BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern : I have been a capital one savor XXXX credit card customer since XX/XX/2022. At the beginning part of my financial journey with capital one, I was employed and utilizing my credit responsibly with on time payments and usage. 
In XXXX, I lost my employment due to ended contract, which left me financially unstable and unable to make sufficient payments. I was in communication with representatives at capital one in attempts to make minimal payments to avoid further negative action ; I was reassured the communication I had would alleviate a consequence of closing of my account. Within XXXX, XXXX, XXXX, and XXXX I was calling XXXX times a month to make payment whenever I could and then around XX/XX/XXXX, I received a letter that my account was closed. The later was dated for XX/XX/2022, and I had just spoken to someone from capital one a couple days prior without any knowledge of potential closing. I understand my account was closed due to returned payments from a closed account ; an account that closed due to my financial issues at that time. I am re opening that checking account and begging for a reopen of this account. 

I spoke with XXXX another representative after finding out the account was closed. I expressed my frustration given the situation and was told to re open another credit card account. I explained to the representative that once you have a closed account, it is not very easy to establish credit again. I proceeded to ask the representative have you ever had a credit card? They responded no. At that time, I realized that the person I was speaking with does not understand the severity of the matter given their lack of experience. I spoke with several representatives from XXXX to XXXX in which there was a form of a language barrier within communication. This is not solely my complaint but it is definitely a part of the reason my issues with payments were not thoroughly documented or communicated appropriately through the Capital one system. 
Therefore, I decided to mail a letter to general correspondence. I attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Update personal Information Dear TransUnion, I am contacting you again in regards to my credit profile and unfortunately I am still seeing that information on my report is still being listed although XXXX inquires was deleted from my credit report from my last dispute on XXXX XXXX XXXX it still shows invalid inquiries and a XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat should have been deleted due to inaccurate personal information that was attached to the account. The name attached is XXXX XXXX XXXX. The correct spelling of my name is XXXX XXXX XXXX XXXX XXXX  This is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy and also is a serious breach of my consumer rights, and U.S.C 1681b ( a ) ( 2 ). Reason why the account is inaccurate is due to the listings of. 
Personal information ( Names, address, Employments, and Telephone numbers ) Opening account dates Closing account dates Last reporting dates Above are the listings of inaccurate items attached to the account XXXX XXXX XXXX XXXX XXXX XXXX  ). This company fraudulently started my account while falsely using my identity and furnished my consumer report under no permissible purpose, which is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Recently after filing a dispute for this matter. TransUnion followed up with a verification message stating that I paid a settlement. The purpose of doing so was to terminate the debt so that the debt would be relieved. Although this was a fraudulent account I figured paying it off will make it go away instead. Paying it under the agreement that it would be terminated off my report the debt collector lied and listed it as a charge off although this was never an account that I gave my permission to start with. With this letter I am also sending enclosed documents with my state and federal personal information, these documents are proof that my name was used incorrectly for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For the prior inquiries that was removed on accounts : 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
Consumer complaint received 2019-10-30
Company: The CMI Group, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Credit management LP ) ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : house of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company

( I.C. Systems ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood
Woman with my God Given name ( XXXX   XXXX  : house of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )

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 2023-06-13
Company: EQUIFAX, INC.
State: MD
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 disputed a letter to the credit bureaus on XXXX XXXX to Equifax, XXXX and XXXX. And My complaints have been ignored. I have sent another round of letters out regarding to the hard inquiries on my report that do not belong to me, however its been well over 45 days and nothing has been done to fix the issue. Here is the provided list below. 


XXXXCreditor : XXXX XXXX XXXX ( Original Creditor : XXXX  ), Account : XXXX XXXXCredit Inquiry from XXXX XXXX  XXXX Inquiry Info : HARD Inquiry : Automotive - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXXXXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Finance - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX , Inquiry Info : HARD Inquiry : Finance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: OH
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA - equifax are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Security Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on or about XXXX 2021, I asked XXXX to send me documentation that the account they had on my credit report for XXXX was mine. 
After many back and forth emails, they never sent the paperwork, I finally received it after I filed a dispute with the credit bureaus '. 
I co-signed a note for my daughter it seem. 
On XX/XX/2021, my daughter received a notice from XXXX that they would settle the account for XXXX. I paid this amount on XX/XX/2021 in full. The person I talked to was XXXX and the confirmation number is XXXX. 
She informed me I should receive an email confirmation with XXXX to XXXX hours from XXXX or XXXX which is the other name they use. 
This never happened and they are still refusing to remove the amount from my credit report. 
There is no reason for this to still be on my report except from the reviews I have read, they seem to feel they don't have to. 
As far as I am concerned, they are stealing my identity and ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: TX
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To whom it may concern : Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the XXXX XXXX XXXX XXXX XXXX XXXX.

The following company does not have a surety bond on file with the XXXX of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail ( received by them on XXXX XX/XX/2019 ) that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 

IC Systems XXXX XXXX XXXX XXXX XXXX, MN. XXXX Should further information regarding this issue be required, please let me know.

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 2023-01-31
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:
As a loan servicer Advantage has not provided the required disclosure that give me the option to opt out of having any information reported about me. If you are using XXXX XXXX XXXX  as your backing then you are 15 USC 1692f false and misleading practices to collect a debt. A consumer report does not include transaction or experiences between the consumer and the person making the report that's a violation of 15 USC 1681b. The Federal Government is backed by the Credit of the people does not say corporations or banks in fact 12 1431 States that banks have the power to borrow. So I need for Advantage to show proof that there was actually a " loan '' because I know for fact that there are no such thing as a " loan '' for a consumer. Failure to do so will result in actual damages and fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
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: Information belongs to someone else

Complaint:
I am trying to open a bank account for my business but a account from XXXX comes up under my info and it's not mine that needs to be disputed

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 2023-02-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is in violation of my rights according to FCRA. They reported on my credit report items as negative,, collections, charge offs without my permission to do so. I have a right to privacy by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$1000.00}. Please correct this immediately. 

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Open Date XXXX Balance {>= $1,000,000} and XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-30
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I previously opened a Target Red credit Card Account with Target in 2012, I paid off my Target Red credit card account ending in XXXX, Target Bill my account {$650.00} in fraudulent late fees. 

Furthermore Target used unfair and deceptive business practices. I have disputed the billing issues numerous times on XXXX and Target responses to XXXX  were The information is correct : default

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
closed my High Yield Savings account with SYNCHRONY BANK on XXXX XXXX, XXXX as of today, XXXX XXXX, I have not received my money. Called the bank several times and apparently the check was sent out on XXXX XXXX. I received a confirmation letter stating the account closed.

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