BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: FORD MOTOR CREDIT CO.
State: GA
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:
On XX/XX/21 while reviewing my consumer report furnished by XXXX, I noticed an unauthorized inquiry initiated by FORD MOTOR CREDIT CORP in which I did not authorize or consent to. 

On XX/XX/21 I sent FORD MOTOR CREDIT CORP a letter in which they received on XX/XX/21 notifying them of the unauthorized credit inquiry in which they initiated that is furnished on my consumer report. In that letter, I notified FORD MOTOR CREDIT CORP that I did not authorize anyone employed by their company to view my personal information, They violated the FCRA 15 USC 1681b ( 2 ), and that FORD MOTOR CREDIT CORP isn't entitled to make the inquiry which is a serious breach of my consumer rights. I also requested that FORD MOTOR CREDIT CORP provide a signed copy of the authorization form that gave them the right to initiate a consumer credit transaction on my behalf. 

On XX/XX/21, I received correspondence from FORD MOTOR CREDIT CORP alleging that they are unable to research the issue. 

On XX/XX/21, I sent FORD MOTOR CREDIT CORP a cease and desist whereas I demanded the following : provide an audit trail, deletion from all consumer reports, validation, provide name, address, and phone number of the original creditor, provide name, address, and phone number of all parties that benefitted from this illegal transaction, cease and rescind the use of my intellectual property, my signature, and return all requested documentation so that I can properly assess the validity of this transaction pursuant 15 USC 1692g.

FORD MOTOR CREDIT CORP has been non compliant to my demands. FORD MOTOR CREDIT CORP has failed to respond or send the requested documents. FORD MOTOR CREDIT CORP is violating my consumer right to validate the debt pursuant 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
Good Day, Equifax has these accounts on my credit report that are not. Please remove. 
XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Status XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX was very biased, contemptuous, and highly dismissive towards Myself and my XXXX XXXX. We attempted to open up a XXXX  account for one of our XXXX  called " XXXX XXXX XXXX XXXX today XXXX XXXX 2020. She blatantly lied and said that she could not look up our articles of organization. However, that wasn't the case she simply refused to look up the necessary document needed to open up the XXXX  account. She made us feel very uneasy she also made us feel like we had no right to be in a banking institution based off how we were dressed. XXXX stated that she'll only open up a personal checking account because she did not think our XXXX  was legit since we did not have a hard copy of our articles of organization on hand. She also stated very threateningly that if we did not fund our personal checking account by today that she would close our account. Just because we did not have a hard copy on hand does not mean our XXXX is not legit. She blatantly REFUSED to look up our articles of organization therefore we were unable to move forward with opening up our XXXX  account with FIFTH THIRD BANK. She also did not give us our necessary banking information such as account and routing number for one of our accounts. However, once we left fifth third bank we met with a banker at XXXX XXXX this banker was able to pull up a copy of the articles of organization that we needed to open up the XXXX  account.We happily moved forward with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: GOLDMAN SACHS BANK USA
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:
I ( XXXX XXXX ) am currently in the middle of buying a property, when my lender ran my credit score I came to know of a non-authorize/fradulent account under my name with GS Bank ( Goldman sachs and co ) I tried calling them XX/XX/XXXX and once again today XX/XX/XXXX gave them all the information possible ( phone number, address, ssn, name and date of birth even account number showing on credit report ) and they/Goldman Sachs were still unable to find the account.

They Golsman Sachs did confirmed they will open an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: EQUIFAX, INC.
State: NV
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 just received a credit alert from Equifax that XXXX XXXX XXXX pull my credit, I haven't applied for any auto loan, this is another fraudulent hard inquiry. I have been a victim of identity theft in the past and I have a fraud alert in my credit report but this company XXXX XXXX XXXX never called me to ask me if this application was mine. When I contact them to ask about this matter, they apologize but they didn't remove the fraudulent hard inquiry from my credit report, I got the same result when I called Equifax. Please remove this fraudulent hard inquiry from my credit report XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions 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 noticed open accounts on my credit report that I did not consent I am not sure as to how someone accessed my information but I would like those accounts removed.

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 2018-04-26
Company: DISCOVER BANK
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
On XX/XX/2020, MIDLAND FUNDING LLC add a derogatory mark on my credit report per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2019-12-03
Company: JPMORGAN CHASE & CO.
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:
I have the same name as my father. There are inquiries not mine as well as accounts/tradelines that are there when I was XXXX years old. 

Sometimes items from him get onto my report. I also have had my computer/phone hacked before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
{$35000.00} of fraudulent charges ( from XXXX ) were assessed to my credit card and after several discussions and 2 billing cycles, Bank of America is reflecting me as past due and neglected to add all fraudulent charges to the dispute until today. The credit card was in my safe when the charges were assessed. The bank was notified of fraud after $ XXXX, but incompetence allowed for another $ XXXX. 

I am concerned regarding credit reporting.

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 2021-04-28
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Sunday, XX/XX/2021, when I wake up around XXXX and tried to check email, I could not sign in. Then I checked my coinbase pro account to see the activity, it was also not letting me in. Then I realized my XXXX XXXX service was out, but internet was working through my home Wi-Fi. I tried to reset my XXXX account as well as coinbase pro account. I went to coinbase support and email about the incident. After several attempts, I was able to reset my password for email. Then I realize my t mobile service was back and was able to reset coinbase account. I saw all my virtual currency was stolen and left with approximately {$160.00} cash balance. But after few minutes the coinbase pro account signed out automatically and locked. I emailed coinbase support again about the account transaction. Then I immediately called XXXX XXXX customer service about the incident. XXXX XXXX representative acknowledge that my sim was swapped by an unauthorized person around XXXX in the morning and the fraud department later detect the fraud and redirect the sim back to my phone. During this couple of hours of time frame the hacker was able to get into my email, change the email password, get into my coinbase pro account, change the password, and transfer the virtual currency. Also, the hacker deposit {$1000.00} instantly from my linked bank account to buy more virtual currency and transfer that too. I found that Monday morning when I was checking my bank account. It shows as the transaction to coinbase was in process of transferring from my Bank. Since I called my bank on Sunday to stop all transaction from coinbase, they were able to reverse back that {$1000.00} transaction. I informed this issue to coinbase support too. I got a case number from coinbase, but my account is locked. Try to call coinbase customer support but can not have live person to report. Not sure how coinbase is handling the case. Need help to get my money back. Also, called t mobile several times regarding sim swap, they accept its their fault but not willing to compensate the loss. Do not know where to call or how to get help to get my money back. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have attempted several times to get this matter resolved with Discover but they continue to ignore my request. Discover continues to report damaging negative information about a debt that I do not owe to XXXX, XXXX and XXXX. I did not give Discover my written consent to report information about me to any consumer reporting agency. I informed Discover of the violations that they are committing against me and demanded that they compensate me {$6000.00} for each violation. I sent them an opportunity to cure which they have 14 days from the date the received my certified letter with return receipt. My next step will be to file a complaint in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Citibank was notified many month 's ago that I was a victim of Identity theft. Citibank, Was given an FTC Identity Theft Affidavit, Which clearly explained the crime. I am a victim, not the criminal. Citibank refused to assist with the investigation, even though citibank themselves confirmed that the credit cards they sent out. Went to an Address XXXX XXXX XXXX XXXX XXXX, TX XXXX. Which I have never lived at. Citibank, never provided a response and citibank never investigated nor closed the fraudulent account ( s ).  These were opened by an identity thief using stolen identification documents. Which were in my wallet when they stole my wallet, and then proceeded to use my identifying documents. I reported this to the police, and to the FTC. Which is taking action to find the criminals. However Citibank is now attempting to file a Claim against me in a court of law for a Judgement for Debt that IS NOT MINE. The debt is the same credit card in which citibank was advised was fraudulent. I do not have any accounts, Nor have I ever done business with this banking institution. Per LAW they have to send me confirmation PROVING said debt, if they are attempting a judgement on the fraudulent debt. Again, I never signed any application, I have never received any credit cards from the company at all. I have not received any monetary benefits from said credit cards, bank accounts, nor personal loan or Line of Credit. These are all accounts that CITIBANK ALLOWED TO BE OPENED AND APPLIED FOR, WITHOUT MY CONSENT. The Hard Inquiries, that resulted from these accounts were deleted with the credit bureau, XXXX The Accounts were deleted and blocked from all 4 Credit Bureaus. Yet, Citibank is attempting to collect on the fraudulent debt, KNOWING it was fraudulent debt. I want this company reviewed, as they aren't following the FCRA, They aren't following the FAIR DEBT COLLECTION ACT, They aren't following the laws applicable to the state of Texas. I will report this to the Texas Attorney General as well. This is harassment, they have not even provided me with statements or anything from these accounts. They allowed a Fraudulent Email address XXXX, To OPEN THESE Accounts. I do not have access to their online site because again I DID NOT AUTHORIZE Any Applications, nor accounts with Citibank NA. This is fraudulent debt, and I will not pay said fraudulent debt.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
As a consumer I, XXXX XXXX have rights to privacy and rights have been violated. Pursuantb to fcra 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). i have not given XXXX, XXXX or transunion any permission nor verbally nor written to furnish, sell or give away any of my information. I have opted out of them giving away any of my information and they have not abided by my rights to privacy. XXXX, XXXX or Transunion have verified or updated accounts without proof of what they used to verify them. the accounts in question are 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) these accounts should be removed immediately

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 2020-07-17
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received an email stating that I had been denied for a Lowe 's credit card I did not authorize for anybody to use my information to open up an account nor did I try to open this account they tried opening it up on XX/XX/2020 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 2023-07-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to remove a fraud alert that was placed XX/XX/2022 off my credit report. It's stopping me from progressing in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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 have been reaching out to the credit burrows for a while regarding these inaccuracies on my account they keep giving me automated responses I am a victim of the XXXX  data breach and have already filed my settlement with XXXX XXXX XXXX XXXX  already I'm requesting for Equifax to read my documents and reinvestigate this issue and provide proof of validation In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. My right was violated 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 USC 1681i ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this collection was put on my credit report on XX/XX/16 this is not my debt I have corresponded with this company on several occasions with no avail to remove this account of my consumer credit report it was obtained in fraud and sent to collections for {$72.00}. this has ruined my family 's ability to obtain credit in the future I have been turned downed. and it meets FCRA regulations per my Attorney XXXX and XXXX  already have taken it of there reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: CAC Financial Corp
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have requested over two years ago that CAC Financial Corp provide the legal documentation of what I owe and never provided ( via postal mail ) within the 30 day time period. I was able to get XXXX to remove this, but XXXX will not. CAC Financial Corp has also never disclosed to me that I can dispute the claim.

Company response to consumer: Closed with explanation