BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: Square Inc
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Thursday, XX/XX/2021, I received a " CashApp '' credit card via USPS mail, which was issued by Square , Inc. I did not submit a credit application to Square Inc. or to Cash App for this line of credit, and this account was instead opened fraudulently by someone using my identity. 

Upon receiving the card, I immediately attempted to make contact with Square , Inc. using the Cash App 's support phone number, which would not connect me with any person who could close this fraudulent account. I additionally attempted to contact Square , Inc directly through its support phone number, which also refused to connect me with any representative who could provide assistance. 

I am therefore submitting this complaint to the Consumer Financial Protection Bureau, noting the following additional facts : - As I have a fraud alert currently active on all major consumer credit bureaus, opening a line of credit requires additional verification of identity. This verification was not performed by Square , Inc. 

- Failure to conduct identity verification for individuals with active fraud alerts puts Square , Inc., in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Willful noncompliance with the Act makes Square , Inc. liable for " any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, '' and additionally, " the costs of the action together with reasonable attorneys fees as determined by the court '' in the event of any successful action. 

- Failure to provide reasonable means for individuals to call over telephone to resolve FCRA noncompliance issues constitutes negligence on behalf of Square , Inc. 

- Numerous news reports ( https : XXXX, https : XXXX, https : XXXX ) indicates potentially thousands of individuals have received CashApp cards fraudulently, or have had their CashApp accounts illegally hacked, implicating that Square, Inc. is negligent in managing highly sensitive user data, unwilling to comply with FCRA, or otherwise is acting in bad faith as a creditor and as a business concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Summary : This is a complaint against CitiBank/CitiCards, the administrator of the BestBuy credit  card. I was unable to dispute two {$10.00} fraudulent charges because they indicated that they could not verify my identity. I closed the account as a result, but the two fraudulent charges remain. 

I have been a BestBuy cardholder through CitiBank since XXXX. I have never had as much as a late payment on my account. On Thursday XX/XX/XXXX, I received several alerts that my card had been used to make several large purchases that I did not make. The purchases totaled over {$1000.00}. I live in Michigan and these transactions were conducted in Texas. The perpetrator was attempting to pickup the items at a store in XXXXXXXX TX. 

I immediately cancelled the orders on BestBuy.com and then called the Fraud number to dispute the charges and report the card as stolen. I logged in again the next day and identified 2 more fraudulent transactions ( see screenshot below ). Since the card had been closed, I was no longer able to cancel or dispute the charges online so I called the same number and they told me that they could not verify my identity. I thought I would be able to get registered online again once I received my new card, but I was unable to. So these charges still need to be cancelled ; I officially disputed the charges as of XX/XX/XXXX, well within the regulatory requirement for consumers to report unauthorized transactions. 

I called CitiBank/CitiCards customer service on XX/XX/XXXX to get assistance with activating the replacement card and registering online. They once again told me that they could not verify my identity. I feel as though I was being treated like a criminal, but the actual criminal would have gotten away with huge purchases if I didn't catch it myself. After being unable to help me, I ended up asking the rep to close the account. 

It should have been relatively easy for the fraud department to determine that my account had been taken over by a fraudster simply based on my phone number, address, prior purchase history locations, etc. The email address and store location used by the fraudster were both different from anything aligning with my history. I never made any attempt to change the existing address, phone and email information which would have been a red flag. I am still not sure why this was handled so poorly by such a large financial institution.

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 monetary relief
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: GA
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:
I had a small issue with my bank and my car payments made to wellsfargo were refunded to me over a three month period. Wellsfargo reached out to me and made me aware of this and I immediately paid them back what was taken from them. They ensured me over a recorded line they would not hurt my credit since they got their money back within 48 hours of notifying me. Wellsfargo then destroyed my credit report and maked me as 90 days past due. I was never past due, I paid all my payments on time and when the little hiccup happened I got their money right back to them asap. Now my credit score has dropped XXXX points and I cant even use my credit anymore due to them falsely reported things late after one of their reps even promised me that wouldn't happen or be the case. 
So within 3 days of the incident after I was notified they were paid.

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 2022-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX To : Cfpb ( XXXX, XXXX, equifax ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX From : ( XXXX XXXX ) Address : ( XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & XXXX XXXX and Equifax and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due.

Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

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 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I activated an offer on XXXX  on my credit card for a 10 % cash back ( max. {$45.00} ) at XXXX on XX/XX/2022 and made a purchase using said card directly with the merchant same day. 

Note that the cash back promotion deal only states : " Offer expires XX/XX/2022. Payment must be made directly with the merchant. Offer not valid on third-party services. Payment must be made on or before offer expiration date. '' I inquired with a Bank of America representative about this issue on the evening of XX/XX/XXXX who was unable to resolve my concerns about the deal and told me to call back the following day. I called again on XX/XX/XXXX and the Bank of American representative informed me that I was ineligible for the cash back promotion due to the posted date being a day late despite the transaction date being on XX/XX/2022. 

Please note that the promotion does not specify the date in which the payment needs to be posted by. Only that a payment needs to be made on or before expiration date which should include any pending/processing transactions.

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 monetary relief
Consumer complaint received 2023-09-10
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Credit Collection Services is a known debt buyer and are subject to the FDCPA. 
They have shown great negligence by reporting false and misleading information about me to the CRAs. I have never requested them to create an " account '' in their system for me and yet they have done so without my consent. They have contacted me repeatedly without my consent and they are currently furnishing inaccurate information. Pursuant to 15 USC 1692b they can not allege that I owe a debt however have been reporting so to the CRAs for months with not only one allege accounts but XXXX since XXXX & XXXX. 
These inaccuracies have caused immense damage to my reputation and my mental health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of 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 2022-09-05
Company: Experian Information Solutions Inc.
State: FL
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 was denied a passport, a home loan and a business credit card among other pertinent THINGS THAT WOULD ULTIMATELY HAVE CHANGED MY LIFE FOR THE BETTER based on ALL information illegally reported on my credit report, XXXX, XXXX and Experian. the department of Revenue of California was one of the things on the report that has drastically hindered my ability to receive and use my veterans benefits for things that i am entitled to after my service in the United States armed forces. 

These credit reporting agencies have broken the law by the act of identity theft as I have not ever given written consent to these agencies to report anything about me, the inquiries that appeared on said reports should have been limited to the things that I attempted to acquire to better my quality of life, this has resulted in years of financial mayhem. 
pursuant to the FCRA 15USC 16 81, WHICH STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 ( 604 ) A ( 2 ) HICH ALSO STATES THAT THE CONSUMER REPORTING OR ANY OTHER AGENCY CAN NOT FURNISH ANY INFORMATION ABOUT ME ITHOUT MY WRITTEN CONSENTOR WRITTEN INSTRUCTION TO REPORT ANYTHING. PLEASE HAVE THESE AGENCIES DELETE THESE THINGS IMMEDIATLY OR I WILL BE FORCED TO PURSUE CIVIL SUIT REQUESTING MONETARY RELEIF ON MY BEHALF. THE DATES THAT ACTION WAS TAKEN WAS XXXX  the amounts are over XXXX which are a balance from several so-called creditors none which have provided a copy of a requested contract or signed agreement to me as they have all stated that that information is not available for my records

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 2022-09-05
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-11-30
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2019, I sent a certified letter to IC System requesting the debt being reported to the credit bureaus be validated. 

I specifically requested an itemized statement of the debt owed and other documentation to substantiate the debt. In fact, the collection account date now indicates XX/XX/2019. 

My request has not been granted ; therefore, in compliance with the Fair Credit Reporting Act, I request the error be removed from reporting to XX/XX/XXXX,XX/XX/XXXX and XXXX 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 2023-03-06
Company: National Credit Adjusters, LLC
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:
In accordance with the Fair Credit Reporting act NATIONAL CREDIT ADJUST 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
To Whom It May Concern, I am requesting investigation by the CFPB regarding " Capital One Bank '' refusal to assist me with my three credit card accounts ( acct # 's XXXX, XXXX & XXXX ) I have with them according to the " Rule 5000 ''. https : //www.fdic.gov/XXXXl I have contacted them on multiple occasions via certified letters and phone calls to advise them I have experienced a severe personal medical crisis that has left me XXXX. As a result, I have not been able to make my minimum monthly payments due to not having the same income I once had as I am no longer able to work and now only have social security as my sole income. 
When I have called requesting assistance, I am told by their customer service reps that there are " no options '' available and unfortunately my accounts will eventually " charge off '' to my credit file. All the while, they continue to add fees and interest increasing the balances. 
I understand from reading online that Capital One does indeed have customer assistance plans and have put other customers on these plans to assist them with their accounts. I don't understand why I am being discriminated against with their refusal to help me and would rather " charge off '' my accounts than offer me a plan so I can pay them. 

I humbly ask that the CFPB investigate this issue on my behalf and advise if further complaint 's with any other governing agency 's for this business is recommended at this time. 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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