BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/20 I applied for a Capital One Savor credit card. The card offered a {$150.00} sign-up reward. The application was denied and a letter was sent stating that the reason for the denial was " Based on your credit report from one or more of the agencies on the back of this letter, number of bank cards tradelines opened in the last 24 months ''. My credit score at the time was XXXX to XXXX at the 3 different credit bureaus, my income is {$390000.00} per year, and I had 0 to 2 credit inquiries on my credit report. I had 3 credit cards opened in the last 24 months ( 19, 11 and 6 months ago ). My credit scores have been in this range for years. 

I reported to Capital One that I did not understand the rationale for their decision. I was told that a supervisor would call me to review the result with 10 business days. That did happen. They called me and asked me to call back. When I did, they simply told me the application was denied. There was no further explanation. 


I expressed to CapitalOne that I was concerned that my application was denied due to my age or what they may have inferred from my last name, as the decision seemed improbable. Perhaps they did not like that I always paid my balance. They did not respond to this. 

I am asking CFPB to investigate this as a discrimination concern ( age, religion, nationality ). I would like to know the percent of denials for people with similar income, credit scores and credit inquiries irrespective of age, race, religion, or nationality. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

" upon further research I found this company isn't even licensed to collect in my state ''. 
This is the second time i have complain about Eastern Account System of Connecticut they completely ignore my first complaint so i'm resubmitting. here is a copy of their response- I am happy to assist you, additional information is required to accurately locate the account in question. Please provide account number ; if you do not have the account number the amount reporting on your credit as well as the additional creditor. Please verify your date of birth as well. Thank you Please contact me @ XXXX- thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
In accordance with Fair Credit Reporting act XXXX 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 2017-09-18
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
I am a victim of identity theft. My American Express credit card account : XXXX has been compromised. My card is lost/stolen. There is only one authorized and valid charge on my account that belong to me, and that 's from XXXX XXXX, 2017, XXXX XXXX XXXX at XXXX, MN for {$1000.00}, the rest of the transactions are all fraudulent, unauthorized and do n't belong to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: Aargon Agency, Inc.
State: TX
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 asked the credit bureau 's to do a thorough verification of my credit report, they did and stated everything was accurate. I did research myself and found improper inaccuracies still on my credit report even after they did their investigation. 

In accordance with the Fair Credit Reporting Act XXXX XXXX and 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 602 A 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 explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: UT
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:
SOMEONE RENTED A APARTMENT IN MY GOOD NAME USING MY ID FRAUDULENTLY, FTC REPORT ATTACHED. AT XXXX XXXX XXXX IN UTAH USA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}

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 non-monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 2023-06-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Healthcare Receivables Group, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt validation letter was sent the company. The company was given 14 days to respond as of XX/XX/2022 company has not responded. the original letter that was sent is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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 XXXX, Equifax, XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$4900.00}. XXXX and Equifax Account # XXXX has violated my rights on XX/XX/XXXX for {$17000.00}. 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 cant and should not furnish an account without my written instruction so therefore I need these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2023 Portfolio Recovery call cell phone and didnt leave a message. From this number XXXX. On XX/XX/2023 Portfolio Recovery call again from a different number XX/XX/2023 again no message. They have been calling me for several weeks without leaving no message. On today they called my home phone and left a message about filling a judgment against me. I am a XXXX XXXX XXXX and receiving XXXX  from the SSI. Portfolio Recovery Associates LLC are from the XXXX Co office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/XXXX I received an email from Spring Oaks Capital , LLC letting me know Spring Oaks Capital SPV , LLC now owns my WEBBANK account, following by a collection notice in the mail around the next, letter dated XX/XX/XXXX, also stating they are trying to collect a debt now owned by Spring Oaks Capital SPV , LLC. This letter also mention account number XXXX, and that the creditor on XX/XX/XXXX was XXXX XXXX XXXX. The alleged balance is {$10000.00}. On XX/XX/XXXX I sent a certified letter advising Spring Oaks Capital , LLC that I was disputing the debt and request validation, at the same time letter was emailed to XXXX, the letter was received on XX/XX/XXXX, same sate I got another email attempting to collect the debt and asking me to review the account online to explore a variety of flexible options. Still they haven't knowledge my dispute or provide requested validation of the debt. On XX/XX/XXXX I was made aware by XXXX XXXX that a collection account was added to my report by Spring Oaks Capital , LLC, drastically affecting my credit score, so I went ahead and sent another letter by email and regular mail as a reminder that I was disputing the validity of the debt and again requesting evidence stablishing my legal obligation to pay the alleged debt. Today is XX/XX/XXXX, making 60 days of my initial request, the account still on my XXXX XXXX credit report, and they still haven't validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting in XXXX of XXXX I was Eligible for requesting to remove my private mortgage insurance. They received that documentation and request on XX/XX/XXXX as well as payment for the appraisal to determine value on the home. I have called in 4 times now requesting an update on my application since they had received the payment and request and each time I get notified that the PMI team has been notified and will reach out to me within a week. They have no external number and no one to contact. Each time there has been no response by Caliber home loans. The Company has assured me each time that they will get this resolved immediately, yet it has not been. Due to this I have maid 6 payments starting on XX/XX/XXXX and will have paid an additional {$640.00} in private mortgage insurance. With how unresponsive and dismissive the company has been it feels like these delays are intentional to keep me paying Private mortgage insurance indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian REFUSES TO REMOVE 3 old outdated collection accounts. Date of first DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX {$1300.00} XX/XX/2016 and XX/XX/2016 {$780.00} XXXX and XX/XX/2016 {$410.00} 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 2022-12-05
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OF ED/XXXXL ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF ED/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX  XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2022-06-20
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} Chapter XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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 Have submitted a compliant that this is not my account and i advised that the lender, how was this investigated after reviewing the documents from the lender, the signature that on the document are not even my wet signature this is a clear case of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 creditors below, 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX bankruptcy dismissed XXXXXXXX XXXX XXXX bankruptcy discharged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief