BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX  by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX did not remove the hard Inquiry that was placed on my credit report with XXXX  XXXX   XXXX  they placed the Inquiry on my credit report on XX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX/XXXX XXXX XXXX XXXX date XX/XX/XXXX that was not autherized by me, and XXXX XXXX XXXX XXXX also pulled my credit report from XXXX on XX/XX/XXXX. I have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
After my previous complaint American Express decreased my credit limit. They said they do a " periodic review '' of customers credit report to make the determination. I have been a member for 15 years, and have not missed any payments. I pay the account on time or before the due date. 

I checked my credit report and there is nothing on there that is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent bankruptcy in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of item which does not belong to me or was opened without my permission. 

XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-04-08
Company: Home Loan Center, 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: Credit inquiries on your report that you don't recognize

Complaint:
I'm subscribed to Lending Tree 's credit monitoring service. After my score went up a few point, they offered to use their pre-qual form to find my offers for personal loans AFFIRMING that it would not affect my credit. After submit this alleged soft-inquiry I then received alerts from other services I use that my there had been several hard pulls on my credit file which is VERY unacceptable. I'm currently working on my credit and would have NEVER submitted the form if I knew they were going to do a hard pull which is counterproductive to what I have going on. This happened at the beginning of XXXX. 

I suspect Lending Tree illegally and without permission sold my information to other creditors. That is the ONLY way these companies would have even had my information for a hard pull. This is a very misleading tactic by Lending Tree and if it is included in their " terms '' it needs to be very clear. 

Lending Tree, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX all had access to my credit information FRAUDULENTLY. I had to suffer a score decrease across two bureaus because of this. I reached out to these companies the same day in an attempt to fix this and see what happened but they all acted clueless and said they would TRY to remove the inquiry and that is not good enough because they were never supposed to have my information in the first place. 

This is the email communcation from one of the companies involved, " XXXX XXXX XXXX XXXX received the application through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, case id XXXX on XX/XX/2020. You may want to contact Lending Tree and XXXX XXXX XXXX to learn more about the handoff steps each took in sharing the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a Cease and desist letter that was certified mail delivered on XX/XX/2021. Since XX/XX/2021 I have received 8 phone calls and 2 emails, in regards to collecting supposedly owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/XXXXXXXX Balance Owed : {$0.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXXXX/XX/XXXX XXXX Balance Owed : {$1500.00} -This account has been sold or transferred but has past due balance instead of XXXX balance, please remove. 

XX/XX/XXXXXXXX* Balance Owed : {$22000.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX XXXX* Balance Owed : {$4200.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XX/XX/XXXXXXXX Balance Owed : {$8200.00} - This account was sold but still reports a balance, please delete this account. 

XX/XX/XXXX XXXX Balance Owed : {$2400.00} - I am not the owner of the account. Remove this account. 

XX/XX/XXXX XXXX Balance Owed : {$3600.00} - I have no knowledge of this account, please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} -This account does not belong to me, please delete this 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 2018-08-04
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, this debt for {$2300.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian 's customer service would not help and take care of the negative inquiries reporting on my credit report. Several certified letter where sent advising that the inquiries where not authorized by me and are listed below. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items 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 following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX* Balance Owed : {$0.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} -This account has been sold or transferred but has past due balance instead of XXXX balance, please remove. 

XXXX XXXX Balance Owed : {$1400.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX Balance Owed : {$22000.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXX XXXX Balance Owed : {$4200.00} - This account was sold but still reports a balance, please delete this account. 

XXXX XXXX Balance Owed : {$8200.00} - I am not the owner of the account. Remove this account. 

XXXX  XXXX Balance Owed : {$5700.00} - I have no knowledge of this account, please delete this account. 

XXXX XXXX  XXXX Balance Owed : {$11000.00} -This account does not belong to me, please delete this account. 

XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX XXXX  Balance Owed : {$3600.00} - Balance Reported incorrectly, you have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX Balance Owed : {$1000.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX  XXXX Balance Owed : {$150.00} - I have no knowledge of this account, please remove this account. 

XXXX XXXX  XXXX Balance Owed : XXXX - This account does not belong to me remove this account as soon as possible. 

XXXX  XXXX Balance Owed : {$4700.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$64.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX Balance Owed : {$2500.00} - Delete this unverified and inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2022, Capital One Auto Finance reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Square Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a CashApp account on or around XX/XX/2020, and deposited {$50.00} to get the account started, and now I can not contact them to have the {$50.00} returned to my bank account! I tried going to their website but received a message saying that page can not be reached!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX  Accounts DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2000.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$5500.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$4500.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred 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 2021-01-13
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Dear Sir / Madam I recently obtained a copy of my credit report from XXXX  It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report.

( 1 ) JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX( 2 ) JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Personal statement ( s ) XXXX & XX/XX/XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
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: Reporting company used your report improperly

Complaint:
Please consider this as my formal complaint to the Transunion for allowing the fraudulent inquiries and for not taking corrections on my credit report. I sent out my dispute letter dated XX/XX/2023, with the identity theft report number XXXX. 

They also allowed the fraudulent accounts to be reported in my credit file with the identity theft number XXXX. 

As I checked my credit report these are unauthorized hard inquiries and fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The address on report I have never lived. XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX. 

Also my name is XXXX XXXX XXXX, not XXXX XXXX, or XXXX XXXXXXXX XXXX, nor 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 2023-02-08
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Lender relabeled a mortgage as a " Home Equity Installment Loan '' and are telling me that, for example, that they are applying {$730.00} for my XX/XX/2023 payment to my Outstanding Principal, yet they show on my XX/XX/2023 account statement that they only applied {$440.00} to my account principal for XX/XX/2023. 

The numbers are wrong and it was supposed to be a mortgage. The difference has amounted to more than {$15000.00} so far. T The lender is PNC BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
I have disputed this account with XXXX and was removed from my credit report only to come back as a collection account by XXXX XXXX, I have never received any validation of debt because I have never lived at the address of the alleged account, leave contacted XXXX to inform them of the collection account I was informed that the account is no longer owned or reported by them I should contact XXXX XXXX for removal and I have been back and forth for the past 4 years. 

Fraudulent unauthorized credit inquiry by XXXX XXXX XXXX card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Square Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The Name of the company is Cash App, On XX/XX/2021, I received an email from Cash App stating that my account was locked and that they received a report of unauthorized activity on the cash card associated with my account. On XX/XX/XXXX the XX/XX/XXXX four unauthorized transactions took place from my account, {$65.00} at XXXX XXXX, {$60.00} at XXXX XXXX, {$55.00} at XXXX XXXX, and {$95.00} at XXXX XXXX. The money was sent from my cash app account by someone else. I did not authorize those transactions nor did I provide anyone with my personal information pertaining to my cash app account. I have reached out to Cash App 20 emails ago. They have been giving me the run around faithfully, and denied my initial dispute. They told the the XX/XX/XXXX that they did not receive any emails from me. Little did they know, I forwarded all the emails to the XXXX XXXX XXXX XXXX. Shortly after that, I received an email that I need to answer the same 6 questions again that I received the initial dispute denial email for. Please see attachment. I reached out to the XXXX XXXX XXXX and after they reviewed my emails and information, they provided me with Consumer Financial Protection Bureau information for assistance with this matter.

Company response to consumer: Closed with explanation