BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
To Whom It May Concern, I am writing this email to complain a misleading and discriminatory business practice by Capital One.I am in the process of getting a new credit card from Capital One ( https : //applynow.capitalone.com/? XXXX & XXXX ). 

At the first part of the card application, customers like me are required to indicate their citizenship status. To fill out my 2nd citizenship, XXXX ( where I originally came from ) is erroneously labelled as " XXXX, XXXX of XXXX. '' XXXX is neither a part of XXXX nor a province of XXXX. This is against U.S. policy about XXXX 's status. Capital One is violating the U.S. laws ; at the same time, forcing its customers to violate the laws. 

Because it is a pull-down menu, I will be forced to fill out erroneous information about citizens. I am coerced and under virtual duress to provide and confirm this erroneous information about my dual citizenship if I want to get a card from Capital One after completing the application. By doing this, Capital One is also discriminatory against customers from XXXX. XXXX applicants are forced to accept ( and under perjury with legal consequences ) if they select " XXXX, XXXX of XXXX. '' The information is also not true, thus they commit perjury as a result. This type of discriminatory business practice is equivalent to forcing XXXX citizens to select " XXXX '', XXXX applicants to select " XXXX '' or " XXXX '' in the same applications. 

I am writing this email to complain this illegal and discriminatory business practices that Capital One has done and request immediate changes to put XXXX as " XXXX '' only. 

Thanks for your consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: RI
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 Fair Collections and Out Account # 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 explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2021-04-15
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX CRA is reporting an inquiry submitted by SYNC/PayPal for dates XX/XX/XXXX and XX/XX/XXXX. I did not authorize or give permission for SYNC/PayPal to pull my credit for those dates. Therefore, I am requesting that Sync/PayPal to update their system reflecting this information and send to XXXX XXXX to have these inquiries removed 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 information to try an open accounts in my name these accounts listed I didnt apply for.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Trans Union an XXXX continue to accept and report false information from XXXX damaging my XXXX, credit score. Account was closed as a charge-off and was a by=business account. They ignore repeated statements and copies which show its not my account. Also stop reporting false addresses for me. They have been sent numerous times supporting id documents with my correct address. XXXX is using a false address.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent INQUIRIES from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any INQUIRIES listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please note, this is not a duplicate complaint and I'm not using any third party for this matter. I truly believe I'm victim of identity theft and these inquiries have been placed on my report by Fraud : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
I have filed FTC Report for this matter. 
I demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed 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 non-monetary relief
Consumer complaint received 2022-03-05
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debit went into collections with Midland credit Management. The agreement was to pay 50 dollars a month on time, if not paid on time as agreed upon it will no long be valid and further legal action will be taken. The settlement of the agreement was 800 dollars as of XX/XX/2022, because of paying on time. Paid the 800 dollars in full in XXXX of 2022. Filed a dispute and contact the creditor and they stated it was paid in full and did not have to deduct 50 from my account anymore which they didn't which would have came out on XX/XX/XXXX but paid in full with a representative on XX/XX/2022. If account was not settled as agreed upon then why 50 dollars was not deducted from my account. Why because I met the agreement. When check my report they added the remaining amount to my report which is also incorrect would like this matter to be resolved. Have dispute this creditor on two occasions with no solution please look into this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-05
Company: Experian Information Solutions Inc.
State: VA
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 personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a XXXX credit account with a limit of {$500.00} from XXXX XXXX, XXXX was open without my permission and reported on my XXXX and Experian 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 2023-02-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The creditor and XXXX and Experian continues to report numerous of inaccuracies from derogatory remarks, made on the account, remove and then put back on updating the status on the account from current to past due, and the status of the account this needs to be removed or updated immediately without the derogatory remarks, or late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX, Navient settled with canceling and giving restitution on federal and private loans. In XXXX, borrowers received a postcard stating this information all the way up to XXXX of XXXX. Unfortunately I wasn't notified when I clear all the qualifications stated on the www.navientagsettlement.com. 

I took out loans with XXXX XXXX before Navient took over between XXXX and XXXX, was delinquent or on a forbearance at least 8 of the 7 months required before XX/XX/XXXX ( XX/XX/XXXX to XX/XX/XXXX ), went to the XXXX XXXX XXXX XXXX, part of the XXXX. I've contacted my XXXX but was told to contact someone else about it. 

Now, Navient is contacting me asking me to settle 70 % of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: PCR Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Name Is XXXX XXXX, a federally protected consumer, and I am making this complaint against ACCOUNT ADJUSTMENT BUR for committing identity theft I have never given ACCOUNT ADJUSTMENT BUR any permission to use any of my identifying information to commit mail fraud by contacting me about a alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) I am demanding a cease and desist of all illegal activity, and communication and collecting activity, of this and alleged debt until ACCOUNT ADJUSTMENT BUR can provide me with a sufficient documentary evidence that I have any legal obligation to pay them. If the this documentary evidence can not be produced and ACCOUNT ADJUSTMENT BUR continues its collections efforts, I will file for litigation for actual damages caused by ACCOUNT ADJUSTMENT BUR will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: VA
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 personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank XXXX XXXX credit builder was open without my permission and reported to my XXXX, XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: ACIMA CREDIT, LLC
State: AR
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:
ACIMA STATED THAT THEY WERE THE COMPANY THIS ALLEGED DEBT IS OWED TO. ACIMA STATED XXXX XXXX OWES THE ALLEGED DEBT. I XXXX XXXX am in fact a alive breathing natural being AND NOT A CORPORATION OF ANY KIND. 
CORRECTION ACIMA IS THE THIRD PARTY OF SAID DEBT. I XXXX XXXX DO NOT OWE ANY DEBT TO ACIMA. I DID NOT DO BUSINESS WITH ACIMA. 
ACIMA ALSO STATED I WAS NOT THE ORIGINAL CREDITOR OF MY OWN CREDIT. 
PURSUANT TO 15 USC 1692 ( 4 ) I AM IN FACT THE ORIGINAL CREDITOR OF THIS ALLEGED DEBT. ACIMA COULD NOT GIVE ME THE FUNDS TO MAKE TRANSACTATION ( MY SOCIAL SECURITY NUMNER DID AKA CREDIT CARD ) WHICH ALSO BRINGS ME TO 15 USC 1691 ( D ) THE TERM CREDIT MEANS THE RIGHT GRANTED BY A CREDITOR TO A DEBTOR TO defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 
THE TERM DEBT COLLECTOR means any person who uses any instrumentality of XXXX XXXX or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. 
SO ACIMA IS INFACT A DEBT COLLECTOR AND ACIMA IS IN FACT IN VIOLATION OF THE FDCPA. 
Pursuant to 15 usc 1681 ( q ) ACIMA did not have a permissible purpose due to the fact that they never received written consent to report on my CONSUMER report. 
A SIGNED CONSUMER CONTRACT IS NOT SUFFECIENT EVIDENCE OF A DEBT. IT ONLY MEANS A TRANACTION TOOK PLACE. SEE ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: MoneyLion Inc.
State: TN
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:
On or about XX/XX/2022 my MoneyLion checking account was charged about {$170.00} via my debit card linked to this account from a company called XXXX. I contacted MoneyLion and XXXX to advise them I did not initiate these charges indicating I was filing a transaction dispute of these 5 charges adding up to {$170.00} and was requesting the charges be reversed and credited back to my account. Both companies denied there was any kind of error with the charges after I clearly stated I nor anyone I knew had made these transactions and they refused multiple times to reverse the charges and credit my account. XXXX is a ride/delivery merchant, similar to XXXX, that operates on 4 continents, non of which includes the United States . Myself or anyone I know has been in any of the countries served during the times of any of these charges being made. The transactions in question are fraudulent and should be reversed to my MoneyLion account!

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 2015-04-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The IRS withdrew my tax lien but Equifax is showing it on my credit report as " released. '' I requested an investigation but got nowhere. Equifax simply confirmed the incorrect information. A withdrawn lien is supposed to be completely removed from my report altogether!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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