BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
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:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX : {$66000.00} ; XXXX XXXX. XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX XXXX XXXX : {$28000.00}

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 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I got a Bank of AmericaXXXX credit card about a year ago, solely to get air miles. 2 weeks ago I called to increase the credit limit from {$2000.00} to {$4000.00} since I planned to purchase XXXX plane tickets. I had a brief telephone interview ( no documentation asked for ), and was shocked to be denied, especially as a XXXX XXXX XXXX who owns her house and has had a XXXX XXXX card with a {$25000.00} limit for years. 
After getting my credit score ( XXXX ) & report, I took these to a local B of A in XXXX with other financial documents ( statements, tax return, retirement accounts etc. ). The associate ( also shocked at the denial ) put me through to another telephone reviewer while in his office. With no document review, the increase was denied again. B of A said my credit score was XXXX in their denial letter. 
I tried one more time online with the same result. So despite a monthly income of {$5000.00} ( PERS retirement and Social security ) supplemented with substitute teaching, & no debt I have been turned down 3x ... no doubt worsening my credit. 
And the reason stated in the B of A letter? Having the card " less than 12 months '' & no financial activity with B of A " or our associates ''. This is outrageous self dealing while ignoring a good credit score, report, history and supporting documents.

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 2023-10-11
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: Credit inquiries on your report that you don't recognize

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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
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:
I recently reviewed my credit report and saw there were late payments being reported which is a violation under the FCRA. 

XXXX XXXX XXXX XXXX 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 I did not give written permission to this company to furnish this information and according to FCRA late payments are transactions and are not to be reported on a consumer report. 

Delete the above late payments on these accounts from my consumer report. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I received a credit card from Capital One where I have never gave my authorization to open accounts. I called them immediately and cancelled the account, but result of closing account, it'll affect my credit record negatively. They have my personal information and I can't verify that they erase my information. ( I told them to delete all my information ) I also asked them to report their fraud department to investigate why and how they send me an unauthorized card. Hopefully Capital One does not sending unauthorized card randomly to capture unaware consumers. I just wanted to report that this kind of fraud could be possible and may need to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital one has shared personal private financial information to a debt buyer in which I have not consented to my information being shared. It is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. Capital one is also reporting incomplete and inaccurate information on the behalf of the consumer violating the consumers protection rights and have not shared the right to opt out of reporting. This debt is disputed and I cease and desist all communication from this company and all other companies who have shared my information which is a result of identity theft. the Gram-Leech Bliley Act requires financial institutions ; companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. I have also never received tax forms 1099-C The reporting status violates which conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
When I made the decision to review my credit report and use my rights under FCRA it was with an eye on challenging any information found in my report that is not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their lack of accuracy or completeness. The claims within my report are wrong. The credit reporting agencies have to follow proper procedures if these claims are in their system and to be used in my credit reports! I challenged the accuracy and fairness of the XXXX credit reporting agencies ( XXXX, XXXX, and Experian ) by demanding evidence before they make any claims and take such drastic measures agains my reputation. I know that they can't just decide which rules apply to their organization, so I won't allow them to report any false claims. It's important to make sure all of the claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demanded documentation / proof proving why the credit reporting agency considers it delinquent or derogatory. They have yet to provide me records documenting how they verified and validated these accounts/ claims. Their proof of each negative claim they placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need the credit reporting agencies to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I gave them 30 days to investigate, that time has now elapsed. I received no response from XXXX and Experian at all! The only response I received from XXXX was a letter questioning if I was the person who sent in the letter..when all my information was clearly included and sent from myself! I am now escalating this matter to you, CFPB, in the 100 % expectation that you will do what you were created for and enforce this matter and protect me the consumer from this blatant neglect and lack of responsibility by XXXX, XXXX, and Experian.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-21
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act. the list of account below has violated my XXXX protected consumer right to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX XXXX # XXXX. 
account name : XXXX XXXX XXXX # XXXX. 
account name : XXXX XXXX XXXX # XXXX. 
Has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy. 

15 U.S.C 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 following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2023-02-14
Company: Credit Systems International, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of identity theft my identity was used to open fraudulent utility accounts in Texas ( I have never lived there ). One of many companies where this occurred was through XXXX XXXX XXXX. There was a {$980.00} balance on the fraudulent XXXX XXXX XXXX account that was sent to collections at Credit Systems International Inc ( CSII ), which negatively impacted my credit score. The credit bureaus did temporarily remove this information when I provided them with proof of the identity theft, and XXXX XXXX XXXX has already sent me a clearance letter absolving me of any fraudulent debt, but I have not received a clearance letter from CSII indicating that : 1 ) I am not responsible for this debt due to identity fraud ; 2 ) any fraudulent debt will not be transferred to another party for collection ; and 3 ) the credit bureaus have been informed of the same. Initially, I was told to mail proof of identity theft to CSII, so I did on XX/XX/2023. USPS tracking is showing that this information was delivered on XX/XX/2023. I called CSII on XX/XX/2023 to confirm they received it, and they claimed that they never did. I then had to create an investigation with the post office. The post office local to CSII told me that the envelope was sitting in CSIIs box in the mail room and that no one had ever picked it up. I then called CSII AGAIN on XX/XX/2023 who once more insisted that they never received it. I was finally given permission to email the records to CSII. They confirmed email receipt when I called on XX/XX/2023 and told me verbally that they contacted the credit bureaus, but I have still not received anything in writing from them. Without this information, I fear that this fraudulent debt could reappear on my credit report or be sent to another party. I also fear that other consumers are sending information to this company in the mail which is just sitting in their mail room box and not being checked by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CORELOGIC INC
State: MD
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:
Credco credit reporting agency is reporting a statement that I did not make. The statement need to be removed from all my credit reports. 

Names : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Work : XXXX Position : XXXX XX/XX/1997 to Present Anything Else is Incorrect

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 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email on XX/XX/XXXX, from Capital One, signifying that someone had updated my phone number with the company. I looked at this as a potential scam or phishing because I have never done business with or worked with Capital One. I received another email on the XX/XX/XXXX, notifying me of a newly created checking account with Capital One 360 checking. Again, I never have done business with Capital One or created any accounts myself with them. 
I called Capital One the XX/XX/XXXX and asked if there was an account in my name. They found an account was opened on XX/XX/XXXX ( that I did not create ). I asked them to close it and provide me the creator 's identity or the details of the creation of the account. They told me that it would take XXXX business days. 
I never heard anything. 
I called today, XX/XX/XXXX to confirm that the account was closed and was told that they can not give me any information due to privacy and security restrictions. I explained to them that this is not what was originally told to me and this is my identity that has been stolen. 
I need to find out who created my account and to take legal action against that party. I have a right to know that information, being as I am the victim. 
After researching online, I am not the only victim of this situation. There is a reoccurring theme of Capital On opening fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting this CFPB Complaint requgarding ther fraudulent accoubts that I have been trying to have removed but up until now, you have done nothing. Let me remind you that under the Fair Credit reporting Act section 605b, you are expected and required to remove any accounts and information that resulted due to identity theft. Also, I have been sending dispute letters with complete attachments of my personal identifying documents as well as the FTC Report I received from the FTC. I have been waiting for you to respond to me letters but I received nothing! You have not provided me with copies of documents supporting your claims that the disputed items belong to me, and yet you continue to report these accounts as if they are verified. In accordance with the Fair Credit reporting Act section 605b, I need you to remove the following accounts off of my Credit File as soon as possible : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/2019. Your inability to respond to my letters or provide me with copies of proof of verification with these accounts should have resulted in the deletion of the disputed accounts off of 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 non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Accounts illegally open in my name I no longer lived at the address and or never lived at the said addresses

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 2022-12-01
Company: Experian Information Solutions 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: 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 confidentially under 15 USC 1681 XXXX XXXX Card services # XXXX, XXXX XXXX Bank 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 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse of information. other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C1681s-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 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-10
Company: MECHANICS BANK
State: CA
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:
XXXX - XX/XX/XXXX TRANSACTIONS IN VARIOUS AMOUNTS TO VARIOUS ONLINE GAMING CASINOS CHARGED THE DEBIT CARD THE SERVICES OF THE PRODUCT BEING A CHECKING ACCT. THE FINANCIAL INSTITUTION ALLOWED TRANSACTIONS TO BEING COVERED BY THE FINANCIAL INSTITUTION EXTENDING FUNDS THAT WERE NOT THERE TO COVER TRANSACTIONS WHEN IT SHOULD HAVE DECLINED BUT DO TO MECHANICS BANK CHOOSING TO DEBIT A XXXX  BALANCE ACCT CAUSING THE ACCOUNT TO BEING OVERDRAFTED WITHOUT THE CONSENT OF MYSELF THE CONSUMER WHO OPTED OUT OF ITS OPTIONAL SERVICES OF OVERDRAFT PROTECTION THE INSTITUTION FORCED THE ACCOUNT TO BEING SUBJECTED TO ITS DESCRETIONAL AMOUNT IT CHOSE TO COVER AND THUS SURPRISE AMOUNT OF FEES ALL FOR THEIR PERSONAL AND OR PRIVATE FINANCIAL GAINS BY ITS UNAUTHORIZED POSITION TO HAVE RIGHT TO COVER WHEN CONSUMER OPTED OUT OF OVERDRAFT DUE TO NOT AUTHORIZING ANY TRANSACTION SHOULD FUNDS NOT BEING AVALIABLE IN SAID ACCT. THE FINANCIAL INSTITUTION CAUSED THIS MATTER TO HAVE OCCURED AND ITS DAMAGES.

Company response to consumer: Closed with explanation