BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2023 In my complaint today I am addressing ongoing incorrect information on my credit report. I operate a XXXX XXXX and accurate credit reporting is all I am asking for to be corrected. My charity works with veterans on suicide prevention and we rescue wild mustang horses and re-purpose them. 
I am asking for the CFPB to look into the history of not only me but others as there are numerous complaints similar to mine. I feel after my discussion including showing up at the office headquarters in XXXX XXXXXXXX XXXX  I am be retaliated against. I am just not sure of why? 
I am attaching screenshots and multiple proofs including multiple contacts with XXXX XXXX including in person visit please compare my photos attached at their headquarters. I am also attaching screenshots from XXXX XXXX own app and my bank account. I am now being purposely targeted for a discussion that became heated with one of their customer service agents. So they are going out of their way to punish me. I am looking for resolution by either deleting ALL late payments or deleting the account entirely as acceptable. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Please refer to the attachments which show : Statements from XXXX which is where I pay the account From XXXX  XXXX phone app Photos from XXXX  XXXX headquarters Letters and proof of multiple attempts to correct this Multiple IDs verifying my identity I am begging for help. I understand we live in a politically charged world. I am just trying to help our veteran community which is not popular but I am asking for reasonable solutions. 

Respectfully, 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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The advantage XXXX score is the worst system these credit bureaus could come up with! My scores shooting down low even after a {$50.00} increase on one of my cards! Ridiculous!

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 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have reason to believe, and do so believe, that this organization did not loan me anything and I do not have any alleged debt with Capital One. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. As pursuant to 12 USC 1431 ( a ). The power and duties of banks is to be a borrower. I have reason to believe, and do so believe, that Capital One used my credit card to get a loan, and pursuant to 15 USC 1692j ( a ) created and furnished a deceptive form in the attempt to make me the consumer think I got a loan. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response my mail. Capital One has continued to report on my consumer credit report during this time, as well as attempt to communicate with me via telephone or email to collect upon the alleged debt with no regard for federal law nor my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DPT ED/XXXX XXXX Balance : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , OH XXXX ( XXXX ) XXXX THERE IS NO WRITTEN AUTHORIZATION AND NO BUSINESS RELATIONSHIP. 
They requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 ) XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX They requested on XX/XX/XXXX I HAVE NO BUSINESS RELATIONSHIP WITH XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX NO VALID COLLECTION ACCOUNT EXISTS They requested on XX/XX/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 2019-06-05
Company: PNC Bank N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have banked with PNC for 4 1/2 years with direct deposit. I just started to work on my credit and got a prepaid credit card from them with a limit of {$500.00}. My first payment was due on XX/XX/19. I paid it through my virtual wallet through a transfer from checking to the credit card and paid {$400.00} ( minimum was {$25.00} ) on said date at XXXX.It said it will post on XX/XX/19 which is 3 days later but I know that I paid it on the date that it was due. The lady at PNC was very helpful and she said she would normally wave the {$25.00} late fee but she cant so she made a call. After the call she said you did everything right but the lady on the phone wont wave the fee because it wasnt a seasoned account. She said I guess next time make sure you pay it several days before its due. In that case no due date should ever be on a Saturday or Sunday or Holiday because banks arent open then I guess lol

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Notice numerous unauthorized or fraudulent inquiries and accounts on my credit report. XXXX XXXX XXXX attempting to purchase a home. Help

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 2023-03-27
Company: EQUIFAX, INC.
State: AL
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:
n 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 XXXXXXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: SYNCHRONY FINANCIAL
State: PA
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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After  receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to  sue in the mail, because I will have no choice but to take legal action.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



1.XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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. 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 moreover 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 2021-07-19
Company: PCR Group
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX fraudulently reported a collections claim of {$3600.00} to my credit. Their collection team, ACCOUNT ADJUSTMENT BUREA, contacted my ex and myself a month ago, threatening legal action and I explained that the case was closed on their behalf. They asked what my source was and I told them it was https : //public.courts.in.gov/mycase. When I read the case to her over the phone and mentioned dismissed with no prejudice and {$0.00} balance, she proceeded to hang up. Then today I saw it hit my credit report and I called the same number back, same lady answered, and told me that since you refused to provide proof, I pursued further action. I asked if I could get her name and she refused. She placed me on hold to contact corporate and hung up. She called right back and I asked why shed moved forward, knowing it was closed on their behalf, and she hung up again. I suffer with anxiety and cognitive disorders and this is too much. My ex was about to buy a house and now her credit is negatively impacted. My credit has grown the last two years and is also now effected. This is causing a lot of problems and hitting us both during a very tough time. Id surmise this is very illegal, given my source is a public government website. I would like to know what to do and how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 submitted a dispute with the company win XX/XX/2020. The company has failed to respond and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$820.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SCA Collection c/o Consumer Financial Protection Bureau XXXX. XXXXx XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX To whom it may concern : I received an itemized bill from SCA Collection which is a third- party collection agency. SCA collection has violated my HIPPA rights. I did not sign any contractual agreement with SCA Collection for them to have my medical records nor did I signed a medical release form from the hospital for them to obtain my records. 

The laws of HIPPA regulations state that any time you go to the doctor and when you sign that HIPPA form, it states medical information, charts, diagnoses, and other Personal Health Information ( PHI ) is to only be shared with the individual you put down that can have this medical information released to them. The person you put down on that form, is the only person that can receive that information I.e. spouse or family member you designated and that that health care provider in this case XXXX XXXX XXXX. The minute that XXXX XXXX XXXX gave that information to a collection party ( SCA Collection ) showing my PHI is a direct violation of HIPPA. I did not sign a form giving up my PHI to this debt collection agency. 

I demand that this account be closed and return to the creditor. Removed from each of the credit bureaus ( XXXX, XXXX, XXXX ) because it is violating my rights. It is within my rights to sue SCA Collection for violating my rights for the damage that has been done. 



Thank you 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 2023-02-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name XXXX XXXX XXXX XXXX XXXX and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it. 

An agent of Target called me @ XXXX XXXX  PST on XX/XX/2023, however i was unable to answer. I gave them a call back @ XXXX XXXX PST XX/XX/2023 in regards to the call. The agent wanted to verify that I applied for an extension of my own credit when I filled out a credit application. I verbally notified them that I, the consumer and natural person did indeed apply for an extension of my own credit. However I was asked to provide Identification, which I notified them I can provide them with a passport. However an agent of Target advised me that they would only accept a state issued ID. I am not in any possession of a state ID, as the natural right of a natural person I can travel among the land without a License. I do not operate in commerce when in my private automobile. I also have the right to identify myself with my passport. 

Unfortunately for this reason, I was discriminated against for not having an ID, and I, the consumer and natural person, was denied credit by TARGET when I applied for a Credit Card. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by TARGET due to the response I received.

TARGET is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) as defined in 15 USC 1602 ( i ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of TARGET. 

If TARGET fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make TARGET criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 

I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX XXXX XXXX/ [ Agent/Beneficiary ] Without Prejudice, Without Recourse. All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt showing on my credit report by XXXX XXXX XXXX and Capital Accounts LLC are the same debt stemming from a XXXX charge that was incorrectly billed. However, the amount has already been submitted to the bankruptcy court and a claim was never filed. We have notified the creditor and they have failed to take off the debt from my credit file, which is hindering my position to obtain employment with an employer. I have also notified them that this debt surpasses the FDCRA law of 7 years and needs to be removed immediately. I was under the care of my mother at the time this debt occurred and was a minor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection that just appeared on my credit file through MIDWEST RECOVERY SYSTEMS collecting for XXXX XXXX, I have never had an account with XXXX XXXX. this is fraud. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX ( shown as XXXX XXXX ( collector for doctor office ) on bankruptcy paperwork - can match Addresses between credit report & bankruptcy rpt - XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ) is reporting to transunion an account in collection status but account was discharged in bankruptcy XX/XX/2019. Account needs to be removed from collections.

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