BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went to a local Kohls store In my area of XXXX, XXXX, and watched as a customer in front of me entered her phone number for the rewards program. I had previously used the Kohls cash program online and believed I could enter my phone number to get rewards. When I did so, the associate said that I didnt have a rewards account but she would create me one. She informed me to press the green button to accept the terms of the reward program, and enter my social and date of birth to link to my account. I provided all of this info without receiving any written or verbal notice of this being a credit application. in hindsight it makes sense, but now i feel that i have been taken advantage of. I realized this error when my transaction was completed, and I never used my current credit card. i then explained that this was not what i wanted, and her only source of solution was to tell me to cut up the card when i received it in the mail. I explained this was not what I wanted, and she told me I had read the terms and that I was confused. We looked again at the terms that she told me to hit enter on, and it said that I had received and reviewed the terms of the Program, which i did not in the course of the interaction. She kept insisting that the text on the screen were the terms, but there was nothing written about interest rates, fees, or other terms that would lead someone to associate with a credit card. Calling the online number allowed me to close this new credit line, and I will now have to dispute this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I sent my letter off on XX/XX/2022. I told the credit bureau to " investigate every piece of information '' on the accounts I have listed below. There are still inconsistencies with payment history on these accounts. 

XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Also, I have attached the letter I sent out and the certified mail receipt. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. Transunion has not conducted any such interviews. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % accurately. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts on my credit report. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Absent such proof, you must immediately and permanently delete the accounts in question. 

These accounts are inaccurate, unverified and furnished on my credit report without my consent. This violates my rights. Either provide proof and verification or permanently delete the accounts 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 2023-06-03
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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, MI XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXXBalance : {$3900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XXXX # : XXXX ; XXXX  XXXX XXXX Balance : {$800.00} ; XXXX  XXXX XXXX : {$430.00} ; XXXX  XXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX : {$910.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
About a month ago I applied for XXXX XXXX XXXX XXXX and was approved for $ XXXX limit. I received the card, activated the card and started using it. I tried to register the card for online banking but would always get an error message that such account did not exist. I added the card to my wallets including my XXXX and kept using it. A weeks ago I was buying furniture and were ready to pay the invoice with XXXX when my debit card declined as the amount was over XXXX and debit card had a spending limit of no more than XXXX. XXXX has an option when one card declined it uses the back up option which XXXX algorithm decided to use my XXXXXXXX XXXX XXXXXXXX by XXXX. The card declined again. I called XXXX customer service and explained what had happened and that the transaction was mine. The person was very nice and asked me to get my driver license, social security card and pay stub or W2 notarized and emailed to them. I did it right away and called them in a day only to be told that the account was closed. I paid {$150.00} only to get the papers notarized, let alone the absence from work to get the papers notarized. The person was very rude with XXXX  style attitude and told me that he reserved the right not to even speak to me. And he made it clear that he was doing me a favor by speaking to me.

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 2023-06-08
Company: CITIBANK, N.A.
State: IL
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:
Card Opened in My name - Company XXXX - Date XX/XX/2023 - credit Bureau : XXXX _ Not authorized by me nor did apply to open anything. 

Card Opened in My name - Company CBNA - Date : XX/XX/2023 - Credit Bureau : XXXX Not authorized by me nor did I apply to open anything Company verified by identify without my authorization - company : Citi Costco - Date : XX/XX/2023 I did not authorize this verification

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 2023-06-08
Company: JPMORGAN CHASE & CO.
State: ME
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:
Someone used my identity to try and gain an auto loan at XXXX company 's on XX/XX/23 only XXXX company has been good about removing the inquiry from my credit report. The other have either given me a hard time ( XXXX XXXX ) or they have tried to help but not sure whats going on now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I have a Macy 's account that was put into collections by CitiBank. CitiBank violated the FDCPA by not contacting me with written or verbal notice. Instead of placing my account in collections, CitiBank immediately charged off my account and placed the derogatory charge off on my credit since XX/XX/2021. My family has also been affected by COVID as well during this period.

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 2023-07-10
Company: Receivables Management Partners, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was randomly called about an alleged debt they claimed I have. I didnt know anything about it and asked for time to have this audited and have some information sent to me. I went through the audit process with the hospital and when I was finished I attempted to log back onto my acocunt with XXXX   so that I could address the alleged debt. At that time I could no longer access my account. It says my account could not be found. I have sent about 15 emails to the company XXXX  ( A XXXX XXXX COMPANY ) telling them this and they will not give me any answers. I was sent a reply back once saying that my account is in the legal department and I need to call a specific number but I dont have a working phone right now and can only communicate via email which I have told them over and over again but they refuse to communicate with me and give me any answers regarding this alleged debt so that I can take the appropriate actions on it. ( Also I already made a payment on this account so that I could avoid escalating it but now that they have locked me out of my account I have no way to even know if that went through, whats remaining, or how it affected my account status. If I could get into my account I could make arrangements but they are locking me out of everything and refusing to communicate with me all the while the clock is ticking and I could have my wages garnished and irreversible damage done to my credit if I dont make a payment arrangement. How am I supposed to make a payment arrangement when they havent even sent me anything that explains what this alleged debt is from and why they feel i am responsible for it? How am i supposed to make any kind of arrangement at all when they wont communicate with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXXT Account # : XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXXXXXXXXXXXXXXXXXXXX Account name : XXXX  Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX  XXXX XXXX XXXX Account # : XXXX Account name : XXXX  Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXXccount # : XXXX Account name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # : 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.

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. 

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do not owe theses debts and I am requesting a cease and desist 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 explanation
Consumer complaint received 2023-06-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Received automated email from 5th/3rd regarding a charge to my atm/checking account being suspicious with instructions to call to verify. It was a non authorized usage of the card and I called 5th/3rd as instructed and passed that information on to the representative on XX/XX/XXXX. The representative said she would note my account. I told the representative that ATM account had never been used since issuance and potentially was compromised by a Branch Employee who my wife saw on the prior day. I instructed the representative to cancel the ATM account that had been compromised. 

Today I received my 5th/3rd Bank Statement and the charge that was fraudulent showed up on my Statement even though I called back on XX/XX/XXXX and informed 5th/3rd of the fraudulent use of the ATM card. 

This issue should have been addressed when I called 5th/3rd, responding to their email, and informed them of the fraudulent use of my 5th/3rd account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive been receiving calls from capital one stating I have a outstanding balance of {$6000.00} credit card usage I did not authorize a capital one credit card in my name, and I want this off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: WELLS FARGO & COMPANY
State: WA
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:
Today ( XX/XX/XXXX ) I received a credit card in the mail that has been opened in my name as of XX/XX/XXXX through Wells Fargo. I immediately called Wells Fargo to alert them of this issue and they have suspended the account and are investigating it. I would like to request that this issue be investigated and that my credit be frozen so that no further cards or accounts are opened in my name.

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 2023-02-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Is been about 6 months or so that I been contacting the credit reporting company about this problem. There is a bankruptcy being reported and I spoken to all 3 agencies about this. They told me that XXXX is reporting this as accurate. I spoke to XXXX and they have informed me that they Do Not have a file on me and are not reporting any bankruptcy and Have Not reported to the credit bureau. I been asking them to investigate this and it keep coming back as verified, but by who because XXXX is not reporting like its stated on my credit report. Also I dispute this with XXXX and it's been removed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On or around XX/XX/22 I discovered TransUnion was incorrectly reporting late payments on Target & CrossCountry Mortgage On or around XX/XX/22 I mailed a dispute to TransUnion, see attached. Requesting incorrect information be deleted. 

On or around XX/XX/22 I received a letter, attached, from TransUnion refusing to investigate incorrect reporting of accounts.

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 2022-12-06
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX XXXXXXXX XXXX has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to talk nor write nor drive so its FRAUDULENT and i would like it REMOVED IN XXXX days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached

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 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair Credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 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 2022-12-06
Company: EQUIFAX, INC.
State: NM
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 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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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

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