BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Kohl 's is canceling my store Kohl 's charge card I have had for years, and issuing me a Capital One Visa credit card, without my permission! I was not sent an application to apply for the Capital One Visa credit card. I was notified by mail it was going to happen. I did not request this to happen. I did not authorize them to pull my credit score, thereby damaging my rating my doing this. Also, by canceling the Kohl 's store credit card and opening a new Capital One Visa it will hurt by credit score. 

I notified them immediately by phone that I did not want the Capital One Visa credit card, and was told they would cancel the process, however that did not happen. Kohl 's customer service is overseas and the representatives do not speak good English or understand English well. Very frustrating. Notes on my file must not indicate the conversation that took place that I DID NOT WANT the Capital One Visa card! 

The information I received in the mail did not provide a contact phone number. I had to research on the internet to find a phone number and be transferred just to find a department that knew what was happening to the Kohl 's store credit card for select customers. A month later, ( this week ) I received an email to expect my NEW Capital One Visa credit card by the end of XXXX!! 

I do not want another Visa credit card at 30 % interest! Especially one I did not apply for! A store should not be allowed to make these decisions and hurt a person 's credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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:
IVE BEEN TRYIN REPEATEDLY TO REMOVE AN UNAUTHORIZED ADDRESS FROM MY EXPERIAN AND XXXX CREDIT PROFILE FOR XXXX  YEAR NOW. IVE CONTACTED THEN BY PHONE, LETTER, AND EMAIL STILL NO POSITIVE RESULTS. I ALSO HAVE UNAUTHORIZED INQUIRIES.

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 2022-10-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 XXXX XXXXXXXX

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 2022-10-19
Company: EQUIFAX, INC.
State: CA
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 recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 XXXXXXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. No investigation was completed within 30dsys of the letters I sent.

( My letters that was sent to the credit bureaus are attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Accounts # - XXXX XXXX # XXXX - XXXX XXXX # XXXXXXXX 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 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 2023-04-04
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan servicer is Great Lakes. The only problem I have with them is that my phone number was potentially released by them to an illegitimate company. I rec 'd a call today, XXXX, and spent an hour on the phone, thinking I was being signed up for loan forgiveness under a new program called, Revised Pay as You Earn. I was asked my email, and they used it to change my password and access my account with Federal Student Aid. I was asked income and employer info. I was told I was eligible to pay {$200.00} a month for the first five months only, then $ XXXX month for 240 months, and then my loan would be forgiven. I was asked for a date I would pay, and then I was asked for a debit or credit card number. I said, You called me, nobody would give you a debit or credit card number! How do I know who you are? He repeated a number that I could call him back : XXXX, ex, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: BARCLAYS BANK DELAWARE
State: PR
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had returned an item that I had purchased at Banana Republic with a Banana Republic gift card and had not been refunded.

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 2022-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was unable to pay for my storage facility and had all my possessions auctioned off because Bank of America reversed a provisional credit the day I deposited money ( XX/XX/22 ) to pay my storage bill. As a result, there was insufficient funds to cover my payment ( XX/XX/22 ) and it went to auction. I thought they had to pay anything for five days if the charge wouldve gone through if not for the reversal? Now my possessions are gone forever.

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 2022-10-19
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:
In accordance with the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Accounts # - 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: American Credit Acceptance, LLC
State: NC
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:
Contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, American credit acceptance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/2023 I was told it has been a mistake on pulling my credit and I do not have any accounts with them at this time. I asked if they can remove my inquiries as well do me being unaware of these companies pullings my credit without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00}

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 2023-04-05
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 I decided to order an internet router that included a trial of 30 days. XX/XX/2022 I decided to cancel the service and proceed with the steps to return the router. I got everything I needed afterwards to do that before time came up short on me. Unfortunately, I left to the XXXX XXXX to attend XXXX XXXX XXXX and left the responsibility to a family member to solve the matter. By that time I was not able to do anything because I was out of town attending training and my family members were out of town too. I did not communicate effectively to be able to fix the issue as I was in XXXX and my time was limited to solve things of my personal life. Months passed and when I came back home my family members briefed me of the current situation. There was a lot of mail cards sent to my name BUT I was never at home and they would not open anything when I'm not there. The router is still in my possession and I would like to return it If the debt can be removed as I can not afford to pay the unfair amount that was put on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 Convergent Account Child support XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 SECTION 602 A State I have 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 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate its lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
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 am interested in processing disputes on my credit report with experian to delete an remove all inaccurate information on my credit report that is invalid an needs to be removed. please review the information filed. this has been a issue for years that has gotten no response an is hindering my file. delete all information processed asap.

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 2023-04-06
Company: CATHAY BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On approximately XX/XX/XXXX I requested to open a business deposit ( checking ) account at Cathay Bank in the XXXX XXXX branch located at XXXX XXXX XXXX XXXX The relationship banker collected all the required documents, which I had on hand and after several back and forths with her management she informed me that I had to wait for the back office to verify if there were any derogatory reportings with XXXX and/or if my business was within their banks acceptable categories. So I was asked to wait for a call. After some time, the banker asked for additional documents- vendor contracts, latest months bank statement with my current institution. Although all of this was starting to ring very unusual I provided everything else requested. I am in the business of interior design and real estate stagings. I've been in business since XXXX and this is the first time a financial institution has brought forth a question with regard to the category of my business. I also was referred to this bank by friends in the same line of work who bank with this bank, so the question of category is not accurate. And as far as XXXX reporting anything negative is also false since I have now verified this after the topic was put forth by the bank. I am hoping this is not a case of discrimination since this bank seems to be predominantly of XXXX decent. I am not XXXX. I would like upper management to be aware of this encounter and put forth better measures to establish new clients. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: CA
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:
In XX/XX/2022 I contacted Experian and started a dispute to correct my personal information. I also started a dispute regarding incorrect information being reported on my consumer file. It is now XXXX and none of the request to remove the incorrect information has been corrected. In fact after speaking to a representative I was told that the information I disputed was certified as correct. I will attach copies of my report prior to the dispute, an updated report according to Experian and my current report I just pulled a few days ago. You will see that the report came back as updated and certified however the information remains the same with no updated information.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: AL
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 USCC 1681. 
XXXX XX/XX/XXXX past due {$190.00} credit limit {$1800.00} Balance {$180.00} XXXX XXXX Bank XX/XX/XXXX XXXX XXXX {$200.00} Credit Limit {$300.00} XXXX {$870.00} XXXX Finance current XX/XX/XXXX credit limit {$2500.00} Balance {$10.00} XXXX Account Portfolio Recovery XX/XX/XXXX open and reported XX/XX/XXXX open Balance {$1700.00} XXXX Account XXXX XXXX System open XX/XX/XXXX reported XX/XX/XXXX open balance {$220.00} XXXX Account/ Eastern Account System, XXXX XXXX  XXXX open XX/XX/XXXX reported XX/XX/XXXX open balance {$200.00} XXXX Account XXXX Account XXXX, XXXX XXXX reported XX/XX/XXXX open balance {$88.00} XXXX Account XXXX  Univers open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$1600.00} XXXX Account XXXX XXXX  Credit open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$3100.00} XXXX XX/XX/XXXX past due {$2200.00} high balance {$2200.00} account XXXX XXXX XX/XX/XXXX past due {$42.00} high balance {$250.00} balance {$210.00} XXXX. XXXX XX/XX/XXXX current high balance {$320.00} XXXX XX/XX/XXXX current {$0.00} XXXX XX/XX/XXXX current high balance {$980.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX reported XX/XX/XXXX closed balance {$1400.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( XXXX ) 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 1681sXXXX ( A ) ( XXXX ) 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 2023-06-30
Company: EQUIFAX, INC.
State: CA
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 XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX have violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions also codes 15 U.S. Code 1666b,15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), 15 USC 6802B these late payments need to be changed to paid on time never late and deleted and accounts removed immediately and {$1000.00} per violation done equaling to {$7000.00} check mailed to my address per UCC & USC laws

Company response to consumer: Closed with non-monetary relief