BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint to bring to your attention a distressing incident involving the unauthorized opening of a credit card account in my name. The purpose of this complaint is to seek your immediate intervention and assistance in resolving this matter, which has adversely affected my credit score. 

On XXXX, XXXX, XXXX, I discovered that a credit card account was established in my name with Fortiva Credit Card, without any form of authorization from me. I immediately reached out to the credit card company and was given the runaround. The Fortiva rep acknowledged they had not received my consent but refused to delete the credit card and remove the unauthorized credit card from my credit report. 

I must emphasize that I had no prior knowledge of, nor did I provide any consent for, the creation of this credit card account. Initially, I had a loan ( line of {$4000.00} ) with Fortiva, NOT a credit card. After making faithful payments on time, Fortiva decided to illegally issue me a credit card without my consent. 

This unauthorized action has negatively impacted my credit score, as the card is recorded as a new account with no credit history ( despite making payments for 1.5 years ) and a new low credit limit of {$2000.00}, thereby negatively impacting my credit utilization on the account. 

I believe that the unauthorized opening of a credit card account in my name constitutes a serious violation of consumer rights and the Fair Credit Reporting Act ( FCRA ). As a responsible and law-abiding consumer, I have diligently managed my credit and maintained a positive credit history. The unauthorized account created in my name has blemished my financial reputation through no fault of my own, and this issue must be rectified promptly. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and act diligently to protect consumers like me from such unscrupulous practices. I request that you keep me informed about the progress of the investigation and resolution of this matter. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assurances that appropriate measures will be taken to prevent similar incidents in the future. 

Additionally, I've filed a fraud complaint with 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 2022-05-20
Company: EQUIFAX, INC.
State: DE
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. 
XXXX Account # : 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 XXXX XXXX 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 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 2021-05-21
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a collection with Quantum Collection that was for an apartment, XXXX. I moved in and the grounds were in bad shape over flowing dumpsters, trash every were the unit itself looked like it was never clean. It was filthy and gross. I told management that I was not going to fulfill the lease for this reason and that I would be moving out within the week. Which I did, I didn't even unpack my cloths. They kept my deposit and I think they pro rated my rent, but now I have a collection for it. I disputed the collection they were never able to provide me with any information to validate this debt. After pressing the for several months they finally deleted it from my credit report. Now I have another collection agency, XXXX XXXX, trying to collect on this bogus debt. Also, they have increased the original balance from {$620.00} to {$640.00}. This is a fake collection they can not provide any reason for the debt and they just keep selling it to new collection agencies.

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 2022-05-20
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-01-20
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 wit the Fair Credit Reporting act. The List or accounts below was in violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 then 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 thst 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 2022-05-20
Company: Experian Information Solutions Inc.
State: NJ
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 recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information 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 2021-05-21
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 XXXX XXXX XXXX The Federally Protected Consumer Rights has been violated.Trans Union Credit Reporting Agency is in direct violation of 15 USC 1681 a ( 1 ) Accuracy and fairness of credit reporting. I did not benefit nor consent to these accounts being furnished on my report.I value my consumer report & only a natural living person can do that.

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 2022-05-20
Company: EQUIFAX, INC.
State: MI
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:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX : {$4600.00} Date Opened : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Resurgent Capital Services L.P.
State: NJ
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 have recently checked my credit report and have realized that LVNV FUNDING LLC has put a collection account on my credit report and is reporting a past due balance and late payments onto my credit report. In the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. LVNV FUNDING has marked my this account as a late payment on each and every one of those months. This account can not report late payments on my credit report. Last time I checked I didn't have an established due date with this collection therefore how can there be multiple late payments. I have NEVER AGREED to pay this collection. We never signed a contract or a verbal agreement ever. If you dont have a contract or have received an application from me and have not approved me for credit you can not assign me a due date nor a late payment or a past due balance. 
This is a violation of the FAIR DEBT COLLECTIONS PRACTICE ACT- section 807 violation misleading false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$240.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

2. XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-11-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good morning, I hope this message finds you well. My name is XXXX, and I am writing to request the reopening of my credit card account, which was closed due to circumstances that were beyond my control on XX/XX/2022. 

Last year, during a period of intense personal and professional turmoil, I was the victim of a XXXX XXXX scam that had XXXX repercussions on my financial activities. Not only was I defrauded of XXXX in cryptocurrency in the XXXX prior, but my Wells Fargo XXXX account was also exploited as part of this fraud with XXXX  forcing me to give them access to my debit card so they could deposit checks for which they stated generated profit for me. To my surprise, they disappeared after various attempts to deposit checks into my account and I was left with a letter stating my XXXX account and credit card will be closed by wells fargo. As a responsible account holder, I reported these incidents to the XXXX XXXX and the XXXX XXXX XXXX but was left with no answer.. 

The closure of my XXXX XXXX  account was an unintended consequence of these fraudulent activities, which I believe was an unjust consideration of my circumstances. I have always valued my relationship with Wells Fargo and have endeavored to maintain my accounts in good standing. 

Since then, I have taken extensive measures to secure my financial dealings, including my XXXX XXXX lawyer and setting up a XXXX XXXX in another state to protect my information from them. I am fully committed to restoring my account 's integrity and ensuring such discrepancies do not recur. 

I kindly ask for a review of my case and the opportunity to discuss how we can move forward to reinstate my XXXX XXXX account. Reopening my account would not only help me in my financial recovery but also reinforce the trust I have in Wells Fargo to support its customers during unforeseen and challenging times. 

Thank you for considering my request. I am willing to provide any further information required and am looking forward to the opportunity to discuss this matter at your earliest convenience. You may reach me at the email specified in the complaint # 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 2022-05-20
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called the debt collector at least 100 times. If phone records nee to be provided please ask. They refuse to take my calls. I spoke to them early on in the process and asked for a detailed report of where the amount of the debt was coming from. I never received any documentation indicating why this debt was owed, or what exactly it was for. I received a call from my old address that there was a letter for me from the debt collector. I went to retrieve the letter and found that they had sued me, without taking my calls, allowing me to settle the debt, and/or providing me with the detailed list that indicating why exactly I owed the amount disputed. The debt collector is now screening my calls and leaving me in a position where I am unable to defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have called Capital One three times spending approximately an hour each time and missing calls from potential employers, explaining that I have lost my job and would like to delay payments and put them at the end of the loan and extend the loan term. Each time I am told their system will not allow it but it will on the next call and the next call I make it still does not. I feel that I have made an honest effort to work with capital one by explaining my finical situation which is out of my control as I have no control over my previous employers decision to lay me off, I need to delay the next 3 monthly payments and put them to the end of the loan, at which point I hope to have found a job. I have on more than one occasion explained that I understand and that I am okay with extending the term of my  loan. It is unreasonable to expect me to continue calling when I need to devote my time to finding a job so that I can find a job and avoid further financial hardships. 

Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This complaint is to inform the CFPB that Transunion continues to violate procedure in case of disputed accuracy 15 U.S code Section 11681i. 
In a previous complaint filed in regards to XXXX XXXX XXXX, I stated that Transunion has taken more than 30 days to respond to my request to conduct a reasonable investigation. In regards to XXXX XXXX XXXX XXXX partial account number XXXX On XX/XX/XXXX I sent a certified mail with XXXX pages of the lease agreement which did not bare any of my signatures. Along with a letter asking for a reasonable investigation. Included in this correspondence, I included a copy of my state issued drivers license and a copy of my XXXXXXXX XXXX tax return, showing that I did not live in XXXXXXXX XXXX during that time. The written signatures sections on the leasing agreement sent to me by XXXX XXXX is actually blank. 
NO ACTUAL PROOF THAT I SIGNED THE LEASE ADDENDUM. XXXX XXXX then send me a threatening letter informing me that they would not do any investigation on the matter and that the item would remain on my credit file. Which is a violation of 15 U.S.C. 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
As of today, Transunion has just decided to respond to my correspondence. I submitted information regarding this matter on XX/XX/XXXX. I just received a response from the credit reporting agency dated XX/XX/XXXX stating that the item is verified. From XX/XX/XXXX to XX/XX/XXXX is 52 days which is a violation of The Fair Credit Reporting Act. This act allows 30 days to conduct a reasonable investigation. This incorrect information on my credit report has caused me to be denied for a home loan. My next option will be seeking remedies for damages. I have presented more than enough evidence that I did not sign a lease agreement with this company. And Transunion continues to ignore the evidence. I have encountered an overwhelming amount of disrespect from this company in regards to this item on my credit file. This company should be embarrassed to call themselves a consumer reporting agency.

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 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation