BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
During the pandemic an account was opened in my name at Key Bank in XXXX XXXX.supposedly there was an unemployment check deposited into this account without my knowledge or consent. This caused a fraud alert to go out through Key Bank. I only learned of this account being opened because I recently opened an account at XXXX XXXXXXXX XXXX in XXXX, Ohio upon depositing funds into my recently opened savings account there was a freeze on the XXXX XXXX account citing a flag due to someone opening the Key Bank account. I can attest that I did not open this fraudulent account through Key Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX5 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-10-10
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Disputed previously with Trans Union COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed XXXX Originator

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 2018-02-06
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a vehicle from XXXX XXXX in XXXX VA. I had a XXXX XXXX XXXX which I leased from a XXXX Dealership in 2015. I went to XXXX XXXX to trade this vehicle in and purchase a new one. XXXX XXXX staff XXXX XXXX as well as XXXX, XXXX XXXX ( GM ) all made me believe that they would accept the XXXX as a trade in, asked me for my keys and kept the vehicle for almost 2 months. They advised me they would pay the XXXX vehicle off and add the charges/debt to the purchase of my new car loan. It wasnt until XXXX began harassing me for payments for the next 2 following months that I called XXXX XXXX and asked them for proof that they had paid the XXXX vehicle off. They then advised me that I needed to go to the dealership and pick up the XXXX ( without tags ) and take it myself to a XXXX Dealership and turn it in. About 2 days after I reached out to XXXX XXXX to ask if they had paid the vehicle off and they told me that they would only pay for the last 8 months that was left on my lease, but any mile overage along with any late fees, wear and tear usage charges would be my sole responsibility. Here I am now 2 months later due to my own investigation with a damaged credit for late payments since XXXX XXXX has not paid the XXXX off as well as a balance of over {$4000.00} for overage on miles, late fees, etc. I have asked to speak to management with the dealership but they never return my calls. I even reached out to XXXX XXXX in North Carolina via emails which I still have but they have not replied. I also reached out to a supervisor in the Corporate Offices who has also ignored my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: RS Clark and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, a collection that I do not recognize and is not mine was charged to my credit by the company Rs Clark & Associates for XXXX dollars and that debt is not mine. My name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Credit Karma, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was pre-approved for {$1500.00} on CreditKarma.com and so was my husband from XXXX XXXX. We already had a title loan with XXXX XXXX. This was not XXXX XXXX 's fault. It was Credit Karma. It said we both were pre-approved and we applied and got denied and our credit score went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXXthe 2017.my credit was inquired by walmart/XXXX XXXX without my authorization.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: TX
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:
According to XXXX5 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

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 2022-09-10
Company: EGL US, LLC
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 XXXX Account # XXXX, has vioated my rights. 

5 U.S.C 1681 section 602 A. States i have the right to privacy.

5 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 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pen this with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of an FTC report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. The Federal Trade Commission ( FTC ) has recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. I want this account removed from my file : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CITY NATIONAL BANK
State: NY
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:
When I applied for the CNB Crystal Card it was advertised as having a XXXX point bonus offer and I applied by the deadline for the offer. CNB then claimed I am ineligible for the XXXX point offer because they didn't process my application by the deadline for the promotion. They were too slow and that's somehow my fault. I was told not even to bother trying to hit the {$5000.00} spending for XXXX points, because all I would get is XXXX intro points for spending {$3000.00} in 90 days. This was deceptive advertising and should not have been allowed. A company shouldn't be able to delay processing of applications until its terms change to ones more favorable to it. Worse, XXXX XXXX informed me that I would receive the XXXX points once I hit the {$3000.00} in spend and the 90 day mark. Both of these metrics have been hit and they are telling me it will be another 4-6 weeks. In my view, based on these experiences, City National Bank seems to feel as though it doesn't have to honor its promotions, which is incorrect. City National Bank doesn't seem to think they need to advertise the actual product accurately either. I signed up and paid the {$400.00} annual fee only to have many of the most valuable perks stripped from my card mere months after they took their annual fee. CNB should have to provide the product they advertised, or at least wait until the end of the annual fee year to take away benefits that you have paid for. Worse still, they made these changes and are forcing customers who just opened the card to either close the card, which can cause a decline in credit score, or pay the {$400.00} fee again for a product that is significantly less valuable. Previously, employee XXXX XXXX confirmed, you could downgrade the card but they would not allow ME to downgrade it anymore. It's another example of the bank going back on its word. There are even problems using the card 's benefits now. For example, my AU card was registered with Visa for the free in-flight GoGo WiFi passes. The passes didn't even work on a XXXX flight and now CNB is saying it's up to Visa whether to credit the money. This is unacceptable, they should have to make the advertised benefits usable. Lastly, if you look at CNB 's previous responses to my prior CFPB complaints, they seem to be to be snarky and condescending. They do not present themselves as responses from a bank that takes their legal or ethical responsibilities seriously, which is clearly concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I went and applied for a car loan and was told my report would only be ran once, but there are over 10 hard inquires on my report that I did not authorize.Please have these fraudulent inquires removed, I didn't consent to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I set up auto payments on the website. The first payment was due XX/XX/XXXX and wasnt pulled. The website showed I was late on my payment on XX/XX/XXXX. I tried making a manual payment on the website and it wouldnt go through as the website was broken per usual. Finally got someone on the phone and they submitted the payment for me. They reassured me that I wouldnt get charged twice but I ended up getting charged twice. I want a refund for my 2nd payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/23, I received an email from Chase thanking me for requesting a new credit card. I did not request a new credit card. I checked my XXXX  account, and found an inquiry for JPMCB card. I contacted XXXX  to dispute the inquiry, as I did not request it. They said they would flag it as fraud and my report should be updated in 24-72 hours. They told me to contact Chase and have them flag it as fraud. I called chase and was told there was no account with my SSN to flag as fraud and to call back in a couple days, and if there still wasnt an account open to call back in a couple weeks, and if there still wasnt an account open to call back in a month, etc. seemingly for eternity. XXXX also told me to go to ftc.gov and file a police report so that is what I am doing right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : 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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX  XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}

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 2017-06-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX  cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing Per iod Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
XX/XX/2020 {$15000.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: DISCOVER BANK
State: CA
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 carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. DISCOVER BANK XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I contacted the company, with the issue and requested all the paperwork that has to do with my collection and they are yet to send anything to my possession.

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