BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: Velocity Portfolio Group
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature.

Name and contact information of the original creditor, if this account was transferred or purchased.

Any other documentation verifying the account is, in fact, mine.

If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports.

Until this matter is cleared up, I firmly request that you stop reporting this account altogether.

Please give this matter your prompt attention.

Thank you so much for your time.

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 2023-06-27
Company: FIRST NATIONAL BANK OF OMAHA
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:
I AM VICTIM OF AN IDENTITY THEFT, I DON'T KNOW WHO BUT SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME, THE CHARGES THE PAYMENTS ARE ALL FRAUDULENT. I NEED THIS ACCOUNT TO BE REMOVED FROM XXXX XXXX CREDIT REPORT AS IT IS ONLY REPORTING ON THAT BUREAU. AGAIN THE CHARGES, THE PAYMENTS NEVER CAME FROM ME. IF THE PAYMENTS CAME FROM A BANK ACCOUNT UNDER MY NAME THAT IS ALSO A FRAUDULENT ACCOUNT. I HAVE SUBMITTED MY FTC REPORT TO XXXX XXXX NUMEROUS TIMES.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This account was opened fraudulently I requested documents for signatures from the company numerous times through a dispute with Experian this is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Problem with personal statement of dispute

Complaint:
XXXX REPORTING FOR LAST TWO MONTHES REPORTING TO OTHER CREDIT BUREAUS WRONG BALANCE ON ONE OF CAPITAL ONE CARDE BEFORE THE CYCLE ENDS. XXXX DONOT FIX THE PROBLEM MONTH AFTER MONTH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2019-06-19
Company: Risecredit, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I want to start by saying that I DID NOT open any account with this company called XXXX XXXX. 

I was checking my credit score on XX/XX/XXXX and I noticed there was a inquiry from a bank/company called XXXX XXXX. I called them and the customer service representative advise me to contact their fraud department. I contacted their fraud department and there was a recording stating that if I was calling to report identity theft I was supposed to create a report with the FTC ( Federal Trade Commission ) and send it to them. I filed the dispute through FTC.gov and also made a police report because this was the second time somebody used my information to get a loan. I sent the FTC report along with the police report. They reached back stating they needed the a screenshot of the confirmation email where it showed I filed the FTC report, which did not make sense because I had already sent them the report. I had deleted that email as I thought it was not important since I had the actual report so they had me filed another one complaint to the FTC and send them the screenshot of email confirmation.

After two weeks of all this hassle they send me and email stating that they did not found any fraud. I of course called the next day asking why they had determined this and XXXX from the fraud department told that they had found that all mi information matched and that is why they decided that is was not fraud. I found this totally incoherent because that is the same reason that I filed the dispute, of course the information is going to match that is why I am contacting you in the first place to report that it is fraud because I DID NOT open that account. Furthermore, the company is basically telling me that I lied on the police report and the FTC report I submitted which, to my knowledge, is a federal crime. 

I proceeded asking him where the funds of the loan where transferred and he informed me that it was transfer to a XXXX XXXX XXXX ( XXXX, I believe ) in XXXX, Florida. I told him that was even worse because I have never lived in XXXX nor I have family there. He then told me that basically there is nothing they can do and I just find impossible that they are not accepting my despite even after filing a police report and a complaint with the FTC which was notarized, of course.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: TX
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:
I filed a complaint on XXXX XXXX. Today I received a call from someone in their call center in XXXX who was using discriminatory statements, laughing about me the costumer not being to make the payment she was requesting {$3000.00} so they would stop reporting the wrong information on me, even though, I have a payment agreement with them and have been paying on time ( automatic payments ) the person on the phone was challenging me to pay XXXX XXXX+ three times what my agreed payment is to see IF from here on they will start reporting correctly, this is out right discrimination, extortion and unlawful that a credit card company reports false information on a customer. They also closed my account several months ago, they reported it to the credit bureaus which hit my credit score substantially, then they filed with the bureaus that my credit card was open and marked my credit with three late payments even on the months that I have paid my agreements. The account shows open in the credit bureaus and on their site is closed. These credit cards are abusers!

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting 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 submitted a dispute request proof of debt on XX/XX/XXXX and XX/XX/2023 XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: Experian Information Solutions Inc.
State: LA
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:
Experian has been reporting inaccurate information on several accounts and refuse to send me the original paper work or contract with my wet ink signature. They have reported XXXX XXXX XXXX act # XXXX inaccurate information on my credit report, they are reporting that the account Date Opened : was on XX/XX/XXXX, which is inaccurate, High Credit : {$12000.00} also inaccurate Date of Last Payment : XX/XX/XXXX which is incorrect. 

Experian is inaccurately Reporting XXXX XXXX act # XXXX date opened XX/XX/XXXX, which is inaccurate, high credit {$0.00}, date last active XX/XX/XXXX, which is inaccurate. 

Experian is inaccurately reporting XXXX XXXX act # XXXX date XXXX, High Credit : {$0.00} Experian is inaccurately reporting XXXX XXXX XXXX account # XXXX inaccurate date open, high balance, amount owed

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 2022-05-18
Company: PNC Bank N.A.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a used XXXX XXXX in late XXXX, with the first payment due for the PNC Bank auto loan in XX/XX/XXXX. Since the very first time I tried to pay online, nothing has worked correctly. I have to call in and spend time on hold every month to make my payment over the phone. Today, it was my external XXXX XXXX account that had an error message on the XXXX website. I suspect PNC is either intentionally not correcting these issues to cause people to set up PNC accounts and deposit funds for payments, or they are intentionally causing the issues for the same reason. XXXX  months is more than enough time to solve software problems, PNC has run out of time and excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Its cash app Im trying to transfer my money from old account to the newer account and theyre been trying trying its not working i I told him to close my account send me a check theyre saying yes and Ive been waiting months already I just talked to them they still didnt do that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear American Express Customer Service, I hope this letter finds you well. I am writing to demand that you reopen my account immediately due to the adverse actions taken against me, which I believe are illegal and fall under the category of security fraud. 


As a long-standing customer of American Express , I have consistently maintained a positive credit history and fulfilled my financial obligations in a responsible manner. However, I was shocked to receive a notification stating that my account has been closed and my credit usage has been denied. 
" Adverse action is defined in the Equal Credit Opportunity Act and the FCRA to include : a denial or revocation of credit. a refusal to grant credit in the amount or terms requested. a negative change in account terms in connection with an unfavorable review of a consumer 's account 15 USC 1681a ( k ) ( 1 ) '' ftc.gov I firmly believe that these adverse actions are unjustified and in violation of my rights as a consumer. Denying me the right to use my credit without any valid reason or explanation is not only unfair but also potentially damaging to my financial well-being. 

I demand that you reopen my account immediately and reinstate my credit usage privileges. It is imperative that you rectify this situation promptly to avoid any further harm to my creditworthiness and financial stability. 

However, I do understand that I have a past due balance of little over {$5000.00}. I'm prepared to make this payment as soon as I receive notification that my card has been reopened and is ready for use. I'm also requesting that all previous monthly statements be sent out to my address on file. I'm aware that you have already sent these out, but they have been misplaced and for that I apologize. 

Please be advised that failure to comply with this demand may result in legal action being taken to protect my rights as a consumer and seek appropriate remedies for the damages caused. I trust that American Express, as a reputable financial institution, will handle this matter with the utmost seriousness and professionalism. 

I kindly request that you acknowledge receipt of this letter within 5 business days and provide a written response addressing my demands and concerns. I expect a prompt resolution to this issue. 

Thank you for your immediate attention to this matter. I look forward to a favorable resolution and the reinstatement of my account. 

Sincerely, XXXX, XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.

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 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In short, the matter is about an unfair decision in my view regarding the closure of my account in 2018, at which time I resorted directly to XXXX XXXX XXXX CEO of Bank of America, as I received a phone call from a member of his office, who indicated that such decisions could never be disclosed, and which left me to guess and I did not come up with a convincing reason, as I have not and will not commit what could be considered a violation of banking rules and customs in any way where they closed my bank accounts in addition to 4 credit card accounts, and I was even asked to take my belongings from the safe that I was renting, which caused a huge loss in addition to moral damage.

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 2020-06-01
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-05-18
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from 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 explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: IN
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 account # XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX XXXX 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 2018-08-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, I am filing this complaint because I am not able to reach certain department of the XXXX XXXX to solve a verification issue which cause my bank account to be on hold. 
I received a email from the Security & Fraud Risk department asking me to call back to solve a issue, with a reference Number XXXX XXXX. I called the number according to their instructions for several times, but its impossible for me to reach this department. I had to hold for more than 2 hours once. 
I need access to this bank account as soon as possible. And XXXX XXXX   should call me as soon as possible to solve this since they failed to provide a way of communication. My phone number is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My promotional account bonus in the amount of {$250.00} for signing up for he account was due on XX/XX/23 and it has not posted. I have had nothing but problems with this account as their was a banking error nearly every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting 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:
CAPITAL ONE - XX/XX/XXXXXX/XX/XXXX I was not aware of the hard inquiries listed above, I am just recently seeing these on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently gotten a copy of my credit report through XXXX XXXX and I have notice there are some collection accounts listed on my credit report that doesn't belong to me. I never applied for any of these accounts. These fraud collection accounts are hindering be from gettin approved for things. I never applied for these loans and fall back on the payment. These accounts don't belong to me and I ask they are remove from my credit report asap. 
ACCOUNT DATE OPENED BALANCE XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$6900.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry -XXXX XXXX

Company response to consumer: Closed with non-monetary relief