BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-04
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have notice a fraudulent Macy 's account on my credit report a few months ago, I Immediately called the phone number for the company that was listed on my credit report and mentioned to them that this is a fraudulent account. I told them that this was Identity theft and also notified them that I have filed a police report. Another month later I noticed on my credit report that they have reported me as being late on making a payment, after I told the company this was a fraudulent account, the company did not make any notations or remove this item from my report, or temporarily stop reporting negative history about this fraudulent account until an investigation has been completed, the company clearly violated the FCRA regulations and section 605B of the fair credit reporting act. 

I also made another follow-up call with the company to check why this item is still on my credit report, this time the agent stated to me they did not have any information about a fraudulent account, and the only information they had on file was a reported lost or stolen credit card, I clearly told the agent I reported identity theft and never opened a credit card with this company. the agent was rude and I was not able to clearly understand her. She then hung up the phone call on me. I reported this back to the police again, as well as the ( FTC ) Federal Trade Commission, and the ( BBB ) Better Business Bureau. and the District attorneys office. I also informed the company that my residential mail was also fraudulently placed on hold, and the thief 's used my address to obtain services and was able to pick-up mail without my knowledge,

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 2022-07-18
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
my card was lost/stolen, I immediately locked my card and notified discover. I also noticed there were some charges already made on the card. I have tried several times to dispute the charges all to no avail. They still have not provided me with any proof that they used to validate the purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Factor Trust
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:
On or about XX/XX/21 I submitted a request for XXXX XXXX XXXX XXXX to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

In accordance with the Credit Reporting Act my rights were violated.

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

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
there is a bankruptcy reporting on my credit report, which they have said to received that info from a third party. nonetheless I have contacted them several times to delete the bankruptcy as it is many violations of fraud, infringement of privacy extortion and racketeering which can be considered a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: CITIBANK, N.A.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sent certified letter to Citibank on XXXX asking the following questions : Please provide payment history on these loans. Please provide explanation why payments made over the minimum due were not applied to principal reduction. Please provide information how payments made during deferment were applied. Why were late charges assessed during loan deferment? Who authorized electronic statements and where were they sent? On XXXX requested to be taken off electronic statement. I received 2 paper statements which were paid in full. Never received another statement. Citibank responded on XXXX saying : " Loans XXXX and XXXX were sold to XXXX XXXX and Loan XXXX was transferred to XXXX XXXX. I contacted both XXXX XXXX and XXXX and neither company had any record of the loans and both said I should contact Citibank. I sent a 2nd certified letter to Citibank on XXXX saying neither company had a record of the loans and I should contact Citibank. Citibank did not respond to the 2nd letter. I received a letter dated XXXX from XXXX XXXX XXXX asking me to pay {$9100.00}.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Report Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A. Section 2:11 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
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Report Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A. Section 2:11 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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 writing to dispute the following fraudulent information that appears on my credit report. I previously disputed this account with the credit bureaus stating these accounts are fraudulent. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX XXXX  XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX  Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft 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 non-monetary relief
Consumer complaint received 2022-07-18
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My XXXX XXXX XXXX XXXX  used my personal information and applied for a Discover Card in XX/XX/XXXX. The card was issued to him in XX/XX/XXXX. He subsequently defaulted in making payments. I did not discover this until some time in XX/XX/XXXX when I was advised by my mortgage broker that I had an outstanding debt with Discover Card. I then lodged a dispute through XXXX Credit Bureau and I have also made numerous calls to Discover to remove this debt from my personal records as : 1. I never applied for the card, it was my son who made the application without my knowledge or consent ; 2. I was never contacted by Discover either by telephone, mail or email to verify my information or whether I made such an application ; 3. All the purchases o the card were made by my son without my knowledge or consent. 
Apart from calls, I have also written to Discover on XXXX XX/XX/XXXX a very long and detailed letter explaining the whole issue and requesting that they remove this debt from my financial records as it has adversely affected my Credit Score. Discover replied to my letter on XX/XX/XXXX in which they simply said that the account and balances are " considered valid '' and that they have reported my account to the Consumer Reporting Agencies as a '' disputed account ''. 
I followed up with more phone calls and Discover wrote to me on XXXX XX/XX/XXXX informing me that " unless you have new relevant information to substantiate your claim '' they will continued to report this account as a " disputed account '' to all the Credit Reporting Agencies. How can I produce evidence of a negative fact? Namely that I never applied for the card? Surely the onus is on them to make sure that the person whose name is used in the application for a credit card DID actually make the application? It should not be possible for someone to use another person 's information to get a credit card and one with such a high credit limit. 
I made more calls to them and their representative advised me to get my son to sign a notarised document confirming that he applied for the card using my name, that this was done without my consent or knowledge and that all the charges on the card were made by him. 
I finally managed to get my son to sign such a declaration which I got notarised and sent to Discover on XXXX XX/XX/XXXX. They sent me a reply on XXXX XX/XX/XXXX saying exactly the same thing namely that the '' the account and balance are considered valid '' As you can see, I am not getting anywhere with Discover after XXXX  months going communication both by phone and letters and I am unable to get a mortgage to purchase a house. 
I will not be attaching any documents as all the documents have been submitted to Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am currently in the XXXX XXXX. I opened a credit card with apple. I have tried to have my interest rate modified using The Servicemembers Civil Relief Act. They told me that they can not modify my interest because I opened the account while in the military. They also told me that the modification could only happen if I opened the account before I joined the military.

is what they said to me true? if not, what can I do with apple to have them adjust my credit interest rate using the SCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX credit report is reporting 2 accounts on my report that were to be deleted. The first one is bank of america 2nd one is  XXXX. I have been disputing these accounts for over 6 months now and still nothing is being corrected. However XXXX  did an investigation and it was proven that these 2 accounts be deleted off my report. XXXX should have received the same response from my dispute. I keep getting letters from XXXX that they verified the accounts belong to me and updated. This is completely wrong. I contacted corporate office at bank of america discussed the whole situation that these charges were not made by me. XXXX is out of business but sent me to collection. I 've tried contacting the collection agency and they told me there is no record of me in collection as the account is probably too old. All I no is I PAID in full the XXXX card. I 've disputed these accounts so many times with XXXX and now they will not allow me to re-dispute again unless I submit supporting documenation. This is not right as it is affecting my credit score in a very negative way. I feel XXXX is NOT doing a thourough investigation as if they did they would have received the same response as XXXX did to delete and remove these accounts off my credit report. I have previously uploaded copies from XXXX that these 2 accounts were deleted off my report. XXXX is not doing the right thing and to not allow me to re-dispute is completely wrong. I have 2 things on my report that DO NOT belong on there.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX XXXX reported account # XXXX to a Credit Reporting Agency without my knowledge or permission.

In accordance with the Fair Credit Reporting Act my rights were violated.

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

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

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 2017-09-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
1. I went to XXXX XXXX in New York. I was n't told they were n't an accredited college until a month before my graduation for a XXXX XXXX XXXX. This school did not help me find work which was the only thing they were clear and upfront about in the beginning - " we have great graduate to employment record. You 'll be in a job. '' I graduated in XXXX and did not find a job until XXXX and that was off a program I took in my community that gave good advice. 

2. Capitalization/Subsidizing vs. Unsubsidizing was not explained to me. 

A fraudulent college was working with a greedy lender hand in hand to rob me and many like me blind. 

3. My loan amount was XXXX as of XXXX. I 've been paying loans for 10 years to the amount of XXXX. I still owe over XXXX in loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
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 paid my mortgage in full on XX/XX/XXXX, I disputed to the credit bureaus that the delinquency, and past due balance should be updated to paid and no past due balance because this account was paid in full and I have my title. Vanderbilt Mortgage responded back to XXXX on XX/XX/XXXX that the account was not paid, and there was a past due balance which is incorrect, if this were true how did I receive my title to my mobile home? Vanderbilt reporting incorrect information has caused me to be turned down for credit such as a new home loan. They are reporting that I am 120 plus days past due

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 2017-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made adjustments through the online dashboard to NOT ACCEPT any charges that were going to over draw my account and deny the transaction. 
Capital One 360 decided for me in a credit card dispute and credited my account {$750.00}, then months later they changed their mind over false evidence then attempted to charge me {$750.00}, this sent my account to XXXX. 
I did not authorize this {$750.00} charge, plus the account settings were set to deny any such charge that would send my account negative. Capital One 360 over rode these settings in my account and forced the charge against my will making me a debtor to an un-authorized charge. 

I have never " lost '' any reversals of charges in the past, XXXX was the original owner of the account but Capital One 360 purchased them and made the customer service hostile against customers in an already broken banking industry. I AM NOT paying this or making any deposits. I will go to the cashless society and trade in silver if I have to, I will not take this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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: Account status incorrect

Complaint:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Equifax. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed.

Company response to consumer: Closed with explanation