BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One credit card closed 7 accounts and will not allow us to cash accumulated dollars towards a new XXXX XXXX product

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have no relationship, financial or otherwise, with Kohl 's Department stores. Between XX/XX/XXXX and XX/XX/XXXX, Kohl 's made XXXX separate withdrawals done by EFTs through XXXX from my checking account at XXXX totaling {$1300.00}. This was caused, apparently, because of the transposition of XXXX numbers in the Kohl 's card holder 's checking account that is also with XXXX in XXXX XXXX. The transposition of the XXXX numbers by either Kohl 's or the card holder resulted in the funds being taken from my checking account, obviously without authorization from me. From my perspective, Kohl 's illegally withdrew these funds from my checking account at XXXX. Their failure to correct their error amounts to theft from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My credit score is very low due to identity theft. I am currently in financial ruin and get XXXX XXXX when faced with the reality that my character and credit has been smeared.

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 2017-03-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
My Equifax is stating " Non Reporting '' status. I believe this is why my FICO score for Equifax is showing " not available ". I have paid for the service for credit monitoring but Equifax is not reporting I need this to be changed to reporting and I DEMAND PROOF THAT IT HAS BEEN DONE IN WRITING. I have filed a complaint with the Attorney General Office since Equifax keeps giving me the run around

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Transunion credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus have violated my rights under 15 U.S.C. 1681 section 604 a section 2 The Law clearly states a consumer reporting agency can not furnish a account without my written consent or instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Information belongs to someone else

Complaint:
My credit score is very low due to identity theft. I am currently in financial ruin and get XXXX XXXX when faced with the reality that my character and credit has been smeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received an email from Wells Fargo on XXXX XXXX, 2016 that my overdraft protection Credit Card needs to be activated by XXXX XXXX, 2016 else my overdraft protection will be lost. As I solely use this card for overdraft protection, I never activate it and shred it immediately when I receive it. I called Wells Fargo customer service to try and deal with this issue, and explained to the representative that the card is not stolen/lost. The representative then said he needs my full Social Security number ( which was suspicious ), but I provided, and then he said your new account/card will be mailed to you within XXXX7 business days and immediately hung up. I did not request a new account, and did not give this Wells Fargo representative permission to open a new account, but it appears he did anyways. I am filing a formal complaint with Wells Fargo themselves, but want this type of behavior to stop and would like to file a complaint with the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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:
Hello, I would like to report about unrecognized items in my credit report. I do not know them and I have never had anything with those companies. Its an identity theft for sure. I am sure its a scam or issues in reporting but those mistakes badly influencing my credit reporting. Please investigate and remove them from my credit report. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
Hello, I would like to report about unrecognized items in my credit report. I do not know them and I have never had anything with those companies. Its an identity theft for sure. I am sure its a scam or issues in reporting but those mistakes badly influencing my credit reporting. Please investigate and remove them from my credit report. Thank you in advance

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 2016-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When my credit was pulled on XXXX/XXXX/2016 it showed several accounts, ID information, address and employment information that does not belong to me. When I send the dispute letter I attached my ID, ITIN Letter, and utility bill as proof of identification. I received a letter on XXXX/XXXX/2016 from TransUnion requesting more documentation. I mailed the required documents back on XXXX/XXXX/2016 via certified mail and have not received anything since than. I 'm requesting the accounts and other items to be deleted from my credit report because they do not belong to me. Please see all attached documents. 
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 explanation
Consumer complaint received 2016-02-21
Company: ALLY FINANCIAL INC.
State: IN
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ally Financial lease car returned XX/XX/XXXX. Third party inspection @ XXXX of XXXX dealership noted returned vehicle passing total condition compliance with noting no damage. Ally representative informed me that my balance was {$0.00}. That day, I purchased a new lease through Ally 's sister company, XXXX XXXX, at same dealership. Today, XX/XX/XXXX, I am the primary signer on a new XX/XX/XXXX vehicle purchased at same dealership, with top-bid approval incentives for financing through Ally Financial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX. Company also has NO permission to report ANYTHING using my info pursuant to XXXX XXXX XXXX have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Section XXXX ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it XXXX not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, XXXX If the person does not specify such an address, the FCRA XXXX the person from reporting information to a CRA XXXX the furnisher knows or has reasonable cause to believe that the information is XXXX The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the XXXX Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to XXXX Accuracy means that the information the furnisher provides to a CRA correctly : Identifies XXXX appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the XXXX Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information XXXX be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence XXXX which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 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 explanation
Consumer complaint received 2016-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016, I checked my credit on XXXX and I had a total of XXXX hard inquiries removed from my report. I checked my account on XXXX XXXX and all XXXX hard inquiries were placed back onto my account without sending me a reinsertion letter as required by FCRA section XXXX. I have been calling Transunion ever since and I 've received no help at all. No one will even transfer me to an American representative or the fraud department. Multiple agents have been belligerent, some have told me that they know what happened but it 's basically too bad and I should simply file a complaint because they will not fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I want to know why was my account limited. In my last dispute the case was decided in the favor of the customer before I could submit a reply when I still had 2 days left to respond. I did not violate the user agreement in any way and I'd like to see try to prove that I did. Limiting my account was a mistake and I'll gladly dispute you for the money being held in arbitration. 

I will not be waiting 180 days because I already know I'll get nothing at the end of the 180 day period. You'll make me wait several months but instead of sending any money, exactly a month before the 180th day you'll seize all the money as payment for " damages '' that don't exist. I know your pathetic company 's slimy tactics all too well. This is hardly my first time getting f***ed over by your company. 

I couldn't care less about the limitation. I'm already processing payments with a better company. You can keep me banned but you're not keeping my money. I will give you one chance to pay me the money I'm owed. Deposit the money once they become available to my bank account or you can tell your lawyers I will see them in arbitration with a dispute but I can promise you won't only be for the seized money since it's hardly everything I'm owed. In addition to all money from my most recent PayPal account XXXX I will be coming for every penny previously and just as unjustly seized from other PayPal accounts that I own and used to process payments on my website as well as thousands of dollars in lost revenue due to inactivity resulting from my inability to process payments which is result of the unjust limiting of my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I took out a Wells Fargo " Home Rebate '' credit card to help supplement the payments to my mortgage with Wells Fargo. Their product description can be summarized in this way : Purchasing goods/services with the credit card will automatically add " points '' and said points will be converted into dollars that are deducted automatically from the principle of your mortgage. The product worked as described. HOWEVER : In less than 6 months, Wells Fargo sold my mortgage, rendering the card useless to me. 

Then, without consulting me or without gaining my permission - they simply changed the type of credit card I had. I went to a local branch and was told " There is nothing you can do about it '' - Basically the company scammed me by letting me take out the card and then as soon as I had a significant balance on it sold my mortgage to avoid me saving hundreds if not thousands of dollars through use of the card over time.

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 2016-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Dear CFPB, Since last year I have been actively monitoring my credit report for fraudulent activity and have signed up with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I recently did some loan shopping but only with lenders that guaranteed a " soft pull '' on their website and was confirmed on the phone which guarantees the inquiry is not shared with others and has no effect on your credit score. Recently there have been some hard credit pulls on my file with Experian by companies who are subscribers of which I only recognize XXXX of them and the third is unknown to me. There is some serious lack of transparency by Experian and the agencies who promise and indicate " soft pulls '' and it then shows up as hard inquiry. This is misleading and Experian has shared responsibility in letting this happen since they are making money by supplying the information. I 'm fully aware of the regulations and terms of the FCRA federal regulations and a " soft pull '' that suddenly becomes a " hard pull '' without strict authorization does not contain permissible purpose. I do n't care who they are I demand the immediate removal of these hard inquiries. I have been misled and tricked into hard credit inquiries and hold Experian responsible. The analysts at Experian should develop a method or code which generates a text or email for verification of the hard pull. 
Sincerely, 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 explanation
Consumer complaint received 2016-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
None of the XXXX major credit reporting bureaus have my employment information since 2012 and some do n't have my correct and legal name from my legal social security card which is XXXX XXXX XXXX not 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 explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: LA
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 XXXX  has a debt from XXXX in the amount of {$580.00}. They ( XXXX XXXX  and XXXX  ) are saying they have no knowledge of the tracking information of the return box they sent me when returning my phone. I closed out my XXXX account because I was switching to XXXX. XXXX sent me a return box with a return label ( THEIR TRACKING INFORMATION ). I dropped the phone off at the facility as told to be returned. That location was busy so I just dropped the phone off. WHY CANT XXXX LOCATE THE PHONE THEY ARE THE ONES WHO PROVIDED THE TRACKING AND RETURN INFORMATION! This shouldn't even be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: MI
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

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

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2016-08-03
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get a collection on my credit report for {$81.00} that I do not recognize and what no award of. I never received any communication about this bills and I want this account to be closed and removed from my credit report immediately. I do n't like that anyone can access my credit information and report bills that I do n't even recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Thaxton Investment Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This company sent a live check to me which was cashed and I never applied for nor signed a contract with them. I was and have been unemployed since XX/XX/2015. they have reported to the credit bureas that i owe them XXXX on XXXX seperate lines. I have been harrassed by them coming to my home and communications by phone and mail. I have told them I have no account with them since we have no legal contract or any application. I think this company is some sort of scammer to get people of meager means to commit to them by sending out a live check to you even though they dont qualify for it due to thier finacial state. If you ca n't help me at least look into this type of lending practice

Company response to consumer: Closed with explanation