BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: FISERV INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PLEASE SEE SUMMARY ATTACHED XXXX XXXX, XXXX, violated XXXX XXXX standards. XXXX  XXXX XXXX claims XXXX XXXX, XXXX. vetted and verified the fraudulent accounts ; however, this was obviously not true. They failed to properly handle the change documents submitted by criminals as well as failed to comply with XXXX XXXX guidelines which caused XXXX XXXX money to be stolen by these criminals. Between the frequency of documentation requesting account changes, incorrect or incomplete information within those account change requests and the bank actually diverting money back to the credit card processing company at one point but then allowing the fraudulent activity to continue, the credit card processing company and XXXX XXXX, XXXX, had plenty of notice and opportunity to protect XXXXXXXX XXXX funds. The credit card processing company, as well as XXXX XXXX, XXXX., failed to follow its own protocols, as well as XXXX XXXX standards. This allowed the fraudsters to steal over XXXX dollars of money that was supposed to be deposited into XXXXXXXX XXXX bank account, but was deposited into accounts not owned by XXXX and not in XXXX XXXX name. If you look at the TRACE numbers and the changes in accounts, there was not one day that an investigation could have taken place. The credit card processing companies chose to place diverted funds into a holding ( escrow ) account, and never informed XXXX of any account issues, deposit failures or funds being held until almost a year later. This was a clear violation of the terms of the agreement. XXXXXXXX XXXX account should have been frozen immediately upon receipt of diverted monies from XXXX XXXX, who clearly knew it was a fraudulent account, according to the bank manager. Please see attached summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Paid off Mortgage Fay Servicing Mortgage XXXX XX/XX/2021 and they have not returned my escrow. Tried calling with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just received a call from Convergent Outsourcing to call them back at XXXX because they are trying to collect a debt I owe. The call was automated. I just refinanced student loans two days ago and am absolutely positive that I do n't have any debt that I am currently behind on. I did a quick XXXX search to see if this entity has emerged in other complaints, and it seems that it has a notorious online presence. There is even a law firm XXXX that has information regarding this entity on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent XXXX, XXXX XXXX Equifax multiple dispute forms about the following issues. Incorrect names, addresses, accounts, etc. On XX/XX/XXXX {$8900.00}, XX/XX/XXXX XXXX & XX/XX/XXXX {$6400.00}. All of the following accounts have been put on my credit report without any correspondence. Therefore, I put these laws in my dispute 15 US Code 1681 B, 15 US Code 1681 C-1, & 15 US Code 1681 C-2. Even after this, they didn't do anything to my credit report. In fact, they added something to my credit report that was taken off already. In short, they do not respect the LAW OF THE LAND AND THEY DEFINITELY DON'T RESPECT THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account. Attached is the FTC Report, Police Report. This has been submitted over to a collection agency which I have no knowledge of CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received numerous alerts from XXXX XXXX regarding a debit to collect account on all three credit reporting agencies. However, I never applied or knew anything about this account in XXXX of XXXX. The debit collection company is Genesis Credit Management dba Columbia Debt Recovery. They have two account numbers with the same amount owed ( {$220.00} ) by this person who used my ID to apply at XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, NJ in XXXX. I have proof that I was already in a committed lease in Ohio from XXXX to XXXX and IL from XXXX to the present during the same time this crime was committed in XXXX. 

For the record, I have never applied for an apartment at this organization ever in my life. The owed charges from XXXX XXXX were sent to their management company ( XXXX ), and then to Genesis Credit Management / Columbia Debt Recovery. I have called XXXX plus Genesis Credit Management / Columbia Debt Recovery to resolve this issue regarding the incorrect information. Both organizations told me to file a police report, take a photocopy of my ID with a notary present and stamped, and file a dispute with FTC. Everything has been done. The police report will be sent to me within 5 -7 business days. In the meantime, the officer said that you can directly call them to verify before the report is completed. All contact information will be on scanned documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Kikoff Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Kickoff advertised a {$200.00} bonus after opening account and having direct deposit for 90 days. Account was opened in XX/XX/XXXX. XXXX dates were XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. The kickoff app confirmed the requirements were complete and kickoff is refusing to give the bonus. I have attached screenshots

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Atlanticus Services Corporation
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied of this card on, When signing up I typed in my po box for my mailing address, and I also put my physical address for the portion where I was required to do so. 

I never received the card, and called about 3 weeks after applying and they said they would send a new card, and I never got it. 

I a called 2 weeks later, and then a week later about the card. 

Then they stated they sent the card to my home address but via my application and my chat messages which I have screenshots of I explained to them, my home address is an apartment, and someone has been stealing mail. 

So I opted to send the card to my po box , and every time I check on the card they keep saying its been sent to my home address. 

However I have informed delivery, which shows you the mail you have coming to your house and at no point and time have I received a notification from them about my a card from this company. 

I applied for others cards, from a company that was recently absorbed and turned into what is now called XXXXXXXX XXXX, so because I never received this card, and the other company I applied for was absorbed I thought it all became one entity. 

I believed that to be the case, because they all use XXXX XXXX, so I thought it was a company wide change. 

Long story short both this card and the other company were reporting a balanced owed on cards I never received. 

From my understanding which I could be wrong is that you have to activate your cards before they can appear on your credit report, and neither company explicitly state that they are essentially secure cards, on their site nor the XXXX XXXX app which is false advertising. 

In addition to that it took basically two months, I have yet to receive my card but its reporting on my credit as if it is activated already. 

Long story short 1. I need them to send the card via the mailing method I gave them. 
2. Their app freezes, and employees prematurely disconnect mid conversation 3. The phone reps are just as terrible, and hang up mid conversations 4. They have no record of prior emails or phone call supposedly 5. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, Wells Fargo Bank changed my and other consumers Custom Management Checking Account to Everyday Checking Account. In so doing, they have closed my oldest financial account ( opened on my XXXX birthday ) and thereby negatively impacted my credit score ; credit rating agencies now report a significantly lower average age of accounts and credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent in a dispute to have social security corrected and have two incorrect collections accounts ( both XXXX XXXX  ) removed from my credit report. The initial dispute was filed on XX/XX/2023 with supporting documents of social security card and Virginia issued Driver 's License. Equifax responded with a stall letter on XX/XX/2023 stating that they required the supporting documents that were already provided. On XX/XX/2023 I called Equifax stating the information requested was previously provided. The Equifax employee on the phone confirmed my correct social security number and after several minutes of debate realized the social and accounts on my report was incorrect. The employee assured me that everything would be corrected and I would receive an e-mail in a weeks time. Instead of correcting the issue, Equifax provided another stall letter on XX/XX/2023 stating they required the previously provided supporting documents. This issue has become detrimental and provided many inconveniences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX  XXXX XXXX, Act Name : XXXX XXXX  Act Name : TXXXX Act Name : XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX  XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Name XXXX XXXX, XXXX Name : XXXX XXXX XXXX, XXXX XXXX, Act Name : XXXX XXXX XXXX, XXXX Name : XXXX Act Name : XXXX XXXX, Act Name : XXXX XXXX, Inquiries : 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I have been paying on equity line of credit for 10 years which was an interest only account I had no idea this I have been paying {$19000.00} and now I still order complete {$50000.00}. 
These in my Pinyan a predatory practices and out unlawful I have tried to reach them by phone and have been sent from phone call to phone call with no response. what they have done should be unlawful. I will have paid {$100000.00} by the time I 'm done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this dispute letter on my own behalf. Please be aware that I am well-informed about my rights, as I have recently studied U.S. laws XXXX I am particularly aware of the provisions in the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), which grant me the right to safeguard my privacy and medical records from third parties. It is important to emphasize that I do not grant permission for any third-party collection agency to access my personal financial information. While I acknowledge that HIPAA allows for limited information disclosure, any such details can only be shared with the patient 's explicit authorization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with TransUnion through arbitration

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation