BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a formal complaint letter in regards to Capital One Bank, N.A. Whatever action, if any, that your organization chooses to take is entirely up to you. It is certain that whatever punitive action you might take, it will not be satisfactory to me, since I want this corrupt organization to be liquidated and its officers to be incarcerated.

There have been several trangressions on the part of Capital One : unauthorized and unsolicited investigation into my credit history, deliberate tampering with my credit score causing it to be diminished, harassment via predatory marketing activity, possible accessory to identity theft, possible initiation of a credit account for the benefit of a thief using my personal information, and a deliberate refusal to offer legitimate telephone service to persons seeking information and making inquiries. 

I am not, nor ever have been a customer of Capital One. Through an online service called XXXX XXXX, I have discovered that Capital One tampered with my credit history, causing my credit score to go down. I have not attempted to open any credit account or to make a loan through any bank or lender. There is no reason whatsoever for Capital One to be making an investigation into my credit history. 

In just this year alone ( XX/XX/2018), Capital One has used my post office box in an attempt to entice me to open a credit account. Capital One has also engaged in telemarketing to me on my personal phone. On two occasions, I requested of their marketing representatives to remove me from their list of victims they obviously dont intend to leave me alone until I presumably become their customer ( which is clearly not going to happen ). In other words, Capital One wont take No for an answer. 

On XX/XX/XXXX, I called Capital One to inquire as to the possible identity theft and illegitimate account. Because I would not provide my entire social security number, they refused to investigate or cooperate ( after displaying such predatory behavior, what fool would provide them with that information?! ). I should also mention that it took an incredible amount of maneuvering in their automated phone system in order to speak to a live human being if youre not a customer with an account number to provide, youre out of luck. 

Further proof of Capital Ones predatory marketing behavior can be found in light of the fact that they are currently lobbying Congress and the Federal Communications Commission to remove any and all legal barriers so that they ( and others ) can fully indulge in unsolicited Robocalls and message texting. 

Any regulatory, punitive, or disciplinary action you might care to take against Capital One would surely be appreciated, and well-deserved on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 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 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 writing 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 items 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 explanation
Consumer complaint received 2023-03-16
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Acct XXXX was under resurgent for {$830.00} made payments XXXX XXXX amount of XXXX. Collection now belongs Jefferson Capital in amount of XXXX to pay off. Payments made to resurgent were not forwarded. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Global Asset Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm submitting this complaint in reference to GLOBAL ASSETS AGENCY knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: MARINER FINANCE, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
I took a loan from mariner finance and hit hard times. I paid off 70 % of the loan but when I missed a payment they took an aggressive tactic toward me, threatening me, leaving hundreds of calls, and threatening to get me and my XXXX XXXX if I didn't pay them immediately. They also wrongly and falsely reported to my credit report that I was delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: AZ
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX  XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX  XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed in with XXXX and XXXX  to have eastern account system remove from my account and asked for proof of debt never recieved the information. Showing proof of debt. Since I did not have an account with XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, once again, is submitting this CFPB Complaint to request to you to correct my Credit File from erroneous reporting of accounts and information. When I checked my credit record, I discovered that there a lot of billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. I need you to correct and or remove the following erroneous information : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX  XXXX Balance Owed : {$0.00}. Also, you have been claiming that the disputed items have been verified by the creditors themselves and yet you did not send me any copies of proof of verification from your investigation which is a clear violation of my consumer rights under the FCRA. If you did not find any documents to support your claims, please correct the disputed items.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: IA
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2022-12-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Confirmation number from Denial Letter : XXXX I applied for Verizon Visa Credit card through Synchrony Bank around XX/XX/2022 and received a denial letter on XX/XX/2022. The reason for denial on the letter is " Application has risk factors that cause us to be unsure of your identity. '' They confirmed my identity during the application process through multiple means including social security number and other questions about my past history. I called Synchrony Bank on XX/XX/2022 at XXXX XXXX CST and spoke to customer service representative XXXX. She said I had been denied because of low credit score reported by XXXX. I monitor my credit score regularly and as the attached Credit score report from XXXX indicates, I have excellent credit score and history. I believe the denial is in error based on wrong information or some type of prejudice such as race or national origin.

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 2022-10-05
Company: Williams & Fudge, Inc
State: PA
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:
I ( a potential student ) went around to different schools looking to see which one fit my interest. I had showed up to XXXX XXXX on admissions day to see the campus, and was showed how to join classes online by a lady that worked there. I had left the school relalizing that it was not the school I would want to attend. A few months go by and now I am getting a charge in the mail saying that I own XXXX XXXX {$3600.00}. While attending admissions day, the lady who was showing me the online signup must have accidently signed me up for classes for which I did not ask her to do, and made it clear I was just looking at schools and what classes they offered. I have sent appeals and several complaints to the school for this issue but they denied them all and said that it isn't their problem. They sent the debt to a collections agency XXXX Williams & Fudge , Inc ) and as of XX/XX/XXXX, I owe them {$3600.00}. I do not have the money to pay them for a mistake they made and do not want to admit they made one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: AZ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-04-19
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: Their investigation did not fix an error on your report

Complaint:
There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: FL
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2021-01-05
Company: ACIMA CREDIT, LLC
State: CA
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:
XX/XX/XXXX, I submitted an Identity Theft Affidavit to XXXX, because someone had opened up and account with ACIMA CREDIT XXXX XXXX ( Account # XXXX ). I was sure to include my ID and proof of address for identification and residence verification. I never received a response back from XXXX  nor Acima regarding my dispute FCRA 605b ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I looked up my credit report today XX/XX/XXXX and seen that there still has not been an investigation per my right to request an investigation. This has been injurious to me, causing me mental and emotional distress. I was denied credit and opportunity to purchase a vehicle because of something that was not my fault. This is unfair to me as a consumer and a unwarranted defamation of my credit worthiness. I am providing proof that no investigation was conducted in order to correct this inaccurate information being reported about me. 
I AM RESENDING WHAT HAD BEEN SENT ORIGIONALLY BACK IN XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CurrentlyIhavebeenintheprocessofgettingamortgage.IstartedthisprocessbackinXXXXofXXXX.IbeganthesearchoflendersanddiscoveredthatIhadissuestoresolvewithmycreditreport.Idiscovereddiscrepancieswithallthreebureaus.IhadcleanedupmycreditandsettledsomedebtatthesametimeIdeputedsomethingandlettimepasssomyscoreswouldincrease.InXXXXadisputewasonmycreditreport.Ihadthedisputesremovedandmyscoresdroppedtosignificantly.InXX/XX/XXXXIbegantobuildmorecreditandproduce2tradelineswhichappearedinXXXXandinXXXXtakingmyscoresupbetweenallthreebureaus.IhadmycreditreportpulledonXX/XX/XXXXandontheconsumerreportsmycreditscoreswereXXXX,XXXXXXXX,andXXXXtransunion.MylenderpulledmycreditandthedisputesbackinXXXXreappeared.IcalledtohavethemremovedandatthesametimeIhad2tradelinestopost,XXXXincreaseonstudentloanstoappear,removalofthedisputeswhichcausedmyconsumerscorestogodowntoXXXXfortransunionwhichIloss66pointfromanaccountbeingindisputesinceXX/XX/XXXXwhichwasn'tmadeawaretome,XXXXXXXXalossof53pointsthesameXXXXXXXXacctdisputewasremoved,andalossof35pointswithindaysofremovalofthedisputewhichwasplacedonmyacct.backinXXXXcausedextremedamagetomycreditreport.Iamwritingthisdisputebecauseidontthinkitwaslawfulforthebureaustobeabletoimpactmycreditsignificantlywhendisputesaresupposetoberesolvedwithin30days.ThesedisputeswereplacedonmyaccountsinXXXXandremovedinXX/XX/XXXX.Arecreditbureausallowedtodeducted50ormorepointswithnosignificantchangesononesreportsortradelines?Thishasandstilliscausingasignificantproblemformeandmyfamily.Iamnotabletocompletethelendingprocessbecauseoftheinaccuracyreportingbetweenallthreebureaus.

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 2022-12-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation