BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX  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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Reinstate my credit at capital one I make payment well above the minimum more than twice the same month. A payment from capital one bank checking to capital one visa credit card was rejected. Account was funded and no reason to decline and or close account. This was during COVID and during times of financial hardship. 

XXXX trade line had for 3 years and 10 months and the charge ridiculous fees and membership fees. 

XXXX XXXX closed my grandfathered account and holds my secured card that should be eligible for upgrade and hasnt upgraded. I had an auto loan with wells and that was paid off and well kept that should account for something positive in my credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have a checking account with Huntington Bank. On XX/XX/XXXX, Huntington assessed two ATM bank fees that I do not recognize and did not authorize including : 1 ) {$7.00} fee to check balance at ATM ; and 2 ) {$31.00} non-Huntington Bank ATM fee. I did not and would not ever have agreed to or authorize ATM fees this big, and I do not recall being asked to approve these fees. Also, on XX/XX/XXXX, I had a lengthy conference call with a Huntington Bank supervisor where I filed disputes for unauthorized, fraudulent transactions. The supervisor agreed to reverse multiple banking fees assessed in the past month. However, the two fees identified above had not posted yet and therefore were not reversed. So, on Friday, XX/XX/XXXX, I called Huntington again to have these two, newly posted unauthorized fees reversed because they fall within the time period of fees the supervisor agreed to reverse during the XX/XX/XXXX phone call. But, a supervisor named XXXX and his immediate superior XXXX refused to honor the prior supervisor 's promises despite how they reviewed the XX/XX/XXXX internal supervisor notes that confirmed same. Significantly, the disputes I filed on XX/XX/XXXX remain pending. As such, Huntington 's refusal to reverse these unauthorized {$7.00} and {$31.00} ATM fees that I did not know about constitutes a direct violation of Huntington 's own internal written customer protection and disputes policies, as well as the explicit promises made by the prior supervisor on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: First Technology Federal Credit Union
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I requested a currency exchange with First Tech Federal Credit Union XX/XX/2023. They quoted me a value which I assumed to be reasonable ( {$200.00} USD for XXXX XXXX XXXX ), in addition to a exchange fee. I found out shortly after traveling the value they exchanged is roughly 30 % less than the current market exchange rate. Their exchange document which is unsigned, but has a clause which notes any differences in value will be kept, this was not mentioned when I completed the transaction. When requested to explain the discrepancy their response was : " Hello XXXX, just letting you know that our back office investigated it and saw no error with the exchange rate you were given for your currency exchange. The rates are provided to us every morning and they fluctuate daily, also the rate you find on XXXX is not true for all institutions. Individual institutions may have different exchange rates as well. Thank you for your patience with us and hope you have a happy holiday! '' This seems like theft?

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly review the attached documents. I request the bureau to commence an investigation into these accounts, as I have a flawless payment history, yet they are incorrectly reported as late.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim on XX/XX/XXXX - claim # XXXX regarding an unauthorized charge for the sum of {$250.00}, stating that this charges was among a series of fradulent charges from XXXX account that was successfully disputed but XXXX refused to address this particular transaction. I put forth the claim to Capital One from which this amount was withdrawn explaining the very odd circumstances that XXXX ( the merchant in this case ) refused to address so I had to dispute it through my bank. To my utmost disappointment ( but not so surprised ) on XX/XX/XXXX, Capital One responded in an email that the claim has been denied and that they agree with the merchant that the fradulent transaction is valid and that they will send me the documents supporting their decision. I have waited for over XXXX weeks for the so-called document but have received nothing. The reason I said I was so disappointed but not surprised is because Capital One continues to show its incompetence to represent its customer in cases of fradulent charges. Most of the claims I have put to Capital One has never been resolved favorably because they are always quick to jump to conclusions without investigating the case and has the habit of siding with the merchant instead of protecting their customer. It is a shame that Capital One has a team of representatives that are so incompetent and don't know what they are supposed to do. This is a simple case of fraudulent transaction, and if they had only investigated it would have been a simple resolution to have my {$250.00} refunded but as usual they failed to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Inquiry Date : XX/XX/XXXX  Location : XXXX XXXX  XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Action Taken : Social Security Number Unverified BARCLAYS BANK DELAWARE Inquiry Date : XX/XX/XXXX  Location : XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX Action Taken : Called to access the information used and wasn't able to receive.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am reviewing my consumer credit file and noticed a fraudulent unverified account on there by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reporting this fraudulent information is extortion. I demand you verify the credit transaction that was made with me and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to furnish this information on my credit file. Failure to verify that a Credit transaction was made between me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX shall constitute fraud , extortion, blackmail to embezzle labor out of me the consumer which violates 42 U.S.C 1994. And constitute a violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. Furthermore I believe you have 4 business days after receipt of this Notice to remove this fraudulent account from my consumer report, and cease and desist all communication through any mediums including credit reporting agencies after receipt of this notice as required by federal Law.

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 2023-03-23
Company: EQUIFAX, 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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
YOUR COMPLAINT On XX/XX/XXXX, I received an email from Capital One stating that the fraudulent activities I reported in XXXX from XXXX XXXX ( app off XXXX ) CLAIM # XXXX for my checking ending in XXXX was reviewed and the outcome resulted in some of those transactions being labeled as fraudulent and the rest labeled as valid transactions ( listed after this paragraph ). All of these transactions are unauthorized and reported as fraud. I was not aware my information was hacked and being used over and over again. That is why I filed the disputes. I don't understand how some of the claim was denied when all of it was done by the same person and location. It is clear by the investigation that the person who had my information and sent themselves money via XXXX XXXX did so numerous times and from the same IP address. Again, how can Capital One approve part of the claim that was done by this person and then turn around and label the rest of the unauthorized transactions as valid. This is unacceptable. I am not going to be responsible for unauthorized transactions. Also, now I am being contacted about this account since Capital One has decided to close my checking account and charge it off. This will affect my credit score. This is not right that a consumer is responsible for paying for fraudulent activity. I want this to be escalated and handled appropriately. I do not want to allow these hackers to steal my information and get away with it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a account with Wells Fargo in XXXX to XXXX and they closed it after I was a victim of fraud and they acted like it was my fault a hacker hacked my account and then spent XXXX dollars of my money and I tried to get it back and they refused to reimburse me my money after I was supposed to have protection from this stuff

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed a hard inquiry on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
Here is the name of these inquiry : XXXX XXXX XXXX : XXXX. XXXX, 2022 This item must be removed from my report as soon as possible.

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 2020-06-02
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX reporting immediately remove or block XXXX XXXXXXXX XXXXXXXX reporting immediately on the credit reports all charges was done fraudently and illegally and XXXX  police report XXXX. They can cal XXXX for the financial fraud division.

Company response to consumer: Closed with explanation