BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Atlanticus Services Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had previously filed a complaint on Fortivia to the CFPB your file # XXXX. The company that they are providing financing for XXXX XXXX XXXX, their client did work without licenses, inspections or permits. They are aware that the contract that they are trying to collect on is void. I contacted them on XXXX XXXX letter. Fortivia has failed to remove this amount from my credit and close the account They were notified last year that the card was opened under fraudulent conditions and fortivia has refused to do their due dilligence to relive me from this debt.Fortivia and XXXX XXXX XXXX  are being investigated by State of Ct Dept of Attorney General XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NC
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 XXXX Account # 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 Account Number Date Opened Last Activity Original Creditor Status Type High Balance Unpaid Balance Highest Adverse Rating Most Recent Adverse Rating XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open Individual {$4800.00} {$4800.00} Collection/Charge-off Comments Collection/Charge-off Placed For Collection Account Number Date Opened Last Activity Original Creditor XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$840.00} Unpaid Balance {$840.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Collection/Charge-off Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXS Status Open Type Individual High Balance {$2000.00} Unpaid Balance {$2000.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Consumer Disputes This Account Information, Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account Number XXXX Account Status Open Date Last Activity Type XXXX XXXX XXXX XX/XX/XXXX Days Late Month 's Reviewed Term Source Type High Balance High Credit XXXX Open XX/XX/XXXX XXXX XXXX Credit Card Individual XXXX XXXX Provided {$590.00} {$590.00} Creditor Information XXXX po box XXXX XXXX, XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2016-02-19
Company: Citi Management Group, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Citi Management in XXXX is the problem. I contacted them stating my situation and the transaction was still attempted. I know they received the call because it was confirmed through one of there worker. They also called my job threatening to send some type of action to my job and they spoke with my HR department. I was informed and called them to work out a plan. The first person I spoke with tried to help but then I was transferred to I guess a supervisor by the name of XXXX XXXX and she did not try to help at all. She is terrible and her customer service is even worse. She went in to some explanation that was not what I wanted to know. She even stated I know that is not what you wanted to hear which was correct. I called for help to resolve the situation and she did not attempt to help. The issues that really upset me is calling my employer when in fact they had my email address whereas they could have emailed my because I could not be contacted via telephone and secondly the threat of legal action when they received they call of my situation. I would like some type of legal action taken against them or legal action that I can take against that company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: ONLINE Information Services, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/XXXX, I signed a XXXX year home residential rental agreement XXXX XXXX XXXX, XXXX, FL XXXX. I opened an account with XXXX XXXX at the same time. When my lease expired in XXXX XXXX paid the balance, to close the account, and moved out. Almost XXXX yearslater, XXXX XXXX XXXX sent my closed account to a collection firmwith a balance of {$280.00}. They never sent me a notice although I updatedmy address with XXXX shortly after moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi Team, It is been observed in my today 's report that my credit score is only XXXX. 
I am totally dissatisfied with the current report which is been reflecting on credit score portal. 
Even after maintaining my all the current loans at place where I haven't missed any of my due, Then too it is reflecting so bad credit score which I believe as per my knowledge it is totally incorrect as I am aware that credit score goes down in that scenario where any individual miss out their due 's. 

Wherein I am paying all my ongoing due 's on time since XX/XX/2017 if you will check my XXXX  track records you will never find that I have missed any of my due 's. 

May I know the exact reason on how you people are judging my credit score & on what basis? 
It is so disgusting where today even after maintaining such a good records I am unable to get any further loans where I am totally eligible on basis of what my current track is. 

So request you to kindly cross check your database and please improve or rectify my credit score from pathetic XXXX to more than 750 which I was already having few day 's back.So that I can easily go for further requirements. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half  years I have been paying on this loan I want them to stop reporting that I was late because I was not

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 2020-01-01
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop reporting that I was late  because I was not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I have asked for signed contracts that show my signature validating my XXXX debt. Transunion and XXXX have not been able to do so but continue to report it on my credit report. I want to see a signed contract or please delete.

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 2022-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions. 
Equifax and XXXX Credit bureaus are currently reporting a duplicate time barred account with inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been a homeowner for over 20  years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate 3. Please remove all previous employers and add my current employer XXXX XXXX, XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
See attachments. 

Experian does not have the proof document. They are using tactics to defer and delay. 
They have my personal proof of ID on file. We went over this many times. 
Why are they allowed this? 
Who can I seek out to get help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Experian Information Solutions Inc.
State: IL
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 am requesting the removal of two judgments and four bankruptcies ( below ) on my XXXX and other reports due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. XXXX XXXX XXXX XXXX . I did not know the source of their information on those judgments and bankruptcies and due to this XXXX has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with XXXX XXXX verifying and I contacted them on XXXX and stated it was not. Judgment XXXX AND XXXX Bankruptcies XXXX XXXX XXXX and XXXX

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 2022-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was receiving unemployment Edd and was given an account through BofA. I wasnt aware that there is 2 different ways to sign in to the prepaid website by BofA. One is the app that was encouraged to use and the official website from a desk top. Both of these sights require a Member Id and password for the same account, you have to create different sign ins for 1 account. Anyways I could never sign in well after all was Done with Edd account someone told me to create a different login name and I would be able to see my account. Well thats when I was able to view my account completely, well there are a ton of charges I never did. I questioned a teller at my local BofA to explain to her what I was dealing with that there was tons of charges I didnt do. XXXX the employee of BofA informed me to go home look at and print out my account detail.. well I printed this information out and highlighted every charge that wasnt mine and contacted the bank. She told me they would look into it and let me know in the next week our so. It took 33 days before someone finally would address the issue and this was Verbally on the phone with me hounding them. They said it was deemed not to be foul play and that I waited to long to bring this to there attention and I wouldnt receive anything. Clearly I know where I spend my money and so know I just loose out on money that is rightfully mine.. I dont believe that they should have multiple ways to sign into one account that require different passwords for that same one account. Plus the app only goes back so far so if I looked at it and didnt see that there to be weird activity then why would I be alarmed but there was hanky activity that I just happened to miss when I signed in. All I want is for them atleast investigate and return the funds that are rightfully mine but nobody at BofA would help me with this. I would just like to have whats rightfully mine returned to me..

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 2020-01-01
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
13 months now I've called customer service at Direct Express usdirectexpress to get my card replaced and ran into loopholes and problems every time and they're telling me after about nine months somebody's been trying to fraudulently get the card replaced but the wrong information given to them when I called Direct Express my last three times I know I give me the right information every single time I called Direct Express is denying me a new card around XXXX 2019 I got advocate that works for Direct Express but he has never returned my call I've called that are 10 times gave up The Advocates name is XXXX call on XX/XX/2019 at XXXX XXXX XXXX Pacific Standard Time phone number ( XXXX ) XXXX holding me back at least nine times even gave authorization to XXXX. XXXX. The owner of the mobile phone number that's the voice mail was left on ( XXXX ) XXXX in case I was out you see we got nothing to hide we're not trying to hide or scandalize anybody

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX information is inaccurate XXXX XXXX XXXXXXXX information is inaccurate XXXXXXXX XXXX XXXX information is inaccurate 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 an account without my written instructions

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 2022-01-24
Company: Foris DAX, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied and was approved for a prepaid XXXX card by Crypto.com. It was issued on XX/XX/2021. The company will supposedly update the card status from issued to shipped once they mail out the card. So far it has been 62 days, and there has not been any communication or indication that my card has shipped. The company does offer the card in a virtual form ; however, I can not use my card for purchases that do not have an alternative to physical card transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX can pull your credit report to see if you owe money to other apartment complexes before they will rent to you. This lowers a persons 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 2020-08-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were transactions that were disputed due to the merchant not issuing a refund and the bank will not issue the refund back to my debit card after they said that they would issue a credit

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 2015-08-06
Company: Citi Management Group, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Both my family and I had been receiving threatening phone calls and voicemail to provide my information so that they may contact me about a debt i supposedly owed. After calling them back the man proceeded to tell me i was being sued by XXXX XXXX for a debt i owed them and the only way to differ that was by making a payment. At the time i agreed and made a payment of {$110.00} and set up an arrangement for monthly payments. This month ( XXXX ) the day before they were due to withdraw the money my XXXX year old son got ill and had XXXX. I had to take him to the doctor and as a result had a list of medication i needed to purchase for him. I call the company right after his doctors appointment and they said the payment had already been submitted and there was nothing they could do. Today the payment was declined and a woman called me back in a rage. Asking if I was on probation because they would be suing me and pressing charges and the police were going to show up at my job and arrest me, unless somehow i cam up with {$60.00}. At that moment it made me think. I did some research and I found quite a few people had been through the same thing and that it was a scam. I proceeded to call XXXX XXXX ( the company they said i owed money to ) and was told that they do not use a collection agency by that name nor do i have an active account with them. I immediately called my bank and had them cancel my card and block them from making any other withdraws from my account. The woman from the " collection agency '' called me again to see if I was going to make the {$60.00} payment and i told her i knew it was fraud to never call me again because im filing a claim with the FBI. She again go infuriated and started using fowl language so i hung up and have n't heard back from her since. The telephone numbers they have contacted me from or have had me use to contact them are XXXX and ( XXXX ) XXXX. I was told the company name is Citi Management.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have an account with Tower Loan and got behind making full payments. I am currently employed with a company that is changing the pay cycle and relayed this information in a formal message to the home office ( it is difficult to find a phone number for the home office and you must have an extension number for a specific party for the one you can find ). I told a local representative of the company that payment would be caught up by " next XXXX '', which would be XXXX/XXXX/15, when he called me at work. I asked him not to call my job anymore and, of course, everyday afterward I am told by coworkers that I have been getting calls from someone " desperately '' trying to reach me. I made a payment of {$120.00} today, XXXX/XXXX/15, and will make another on XXXX/XXXX/15. Even after making the payment early this morning I am still getting calls. This company is full of a bunch of harassing bullies. I have paid off a loan with them in the past and did not foresee such poor practice as calling my job everyday. These calls are affecting my work environment and my hours.

Company response to consumer: Closed with explanation