BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX   {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX {$630.00}, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.

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 2019-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called Kohl 's today to have my spouse added as an authorized user as the option is not available online. I was asked if it should be effective today and I agreed. When I provided his name I was told we would need to wait about 3 weeks on a letter, fill it out, send it back, and then he could be added. When I asked why it couldn't be done today I was advised it was because we don't share the same last name. This is discrimination based on marital status. I spoke to an agent, a manager,  and a supervisor but all stated this was company policy. The policy is discriminatory. Because we don't have the same last name we can not receive same day service. If the option is available to some it should be available to all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
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:
Equifax is refusing to investigate claiming that they already have and will not do it again unless I have new information. I have rewritten all of my dispute letters with updated information and they are still refusing to investigate and remove the inaccuracies on my report and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: ALLY FINANCIAL INC.
State: AR
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:
Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have 70 inquires on my XXXX credit score and 40 on my XXXX 50 On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: General Motors Financial Company, Inc.
State: AR
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:
Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have XXXX inquires on my XXXX credit score and XXXX on my XXXX XXXX On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Sir, I dont have right now Amazon Store card. 03 months before I closed card & destroyed which card last # XXXX, because I disputed & you resolved problems Afterthat I never used card because closed & destroyed. 
Now recently Amazon send a bill for {$270.00} which is not purchased anything by me & I called request to CS to send proof Doc for item they fail & could not solved problems. So Please kindly asked them send proof of item purchased, This credit card Co. gave hard time & insults ignore my response. 
Pls kindly settle this unauthorized charge & demands me to paid {$270.00}. 
I will never pay because never buy anything.

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 2021-04-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a person named XXXX XXXX in sending this amount of money XXXX $ through Moneygram in XXXX. The transfer was made on XX/XX/XXXX. I tried to cancel it but it didn't show the cancel option anymore and the company ( money gram ) have a clause saying that you can't get a refund back if the person already picked up the money. I did the payment online. In order for this person to pick up the money she would have to show her ID. The name of the city that she gave me is XXXX, zip code XXXX, phone number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Billing dispute for services

Complaint:
I did not authorize this charge u dont know why or how my card got charged in the first place.

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 2021-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Capitol One credit card was opened frauduntley in my name on XX/XX/XXXX. I was made aware of the account on XX/XX/XXXX when I received a letter from Capitol One claiming that my payment in the amount of {$880.00} was returned by the financial intuition. I called to inquire what the letter was about because I did not have a Capitol One account at that time. I spoke to a representative XXXX, ID # XXXX who claimed to put a freeze on the account and transferred me to the fraud department so I could file a fraud claim where I spoke to XXXX, ID # XXXX. I was told at that time the card would not be approved for any further charges. I then filed a fraud alert with all 3 credit burea 's. Shortly after filing my claim I received a letter from Capital One that they balance and information in their records is correct. I then after filed another fraud claim against this account and thereafter with with every collection agency. Capitol one then proceeded to take me to court in XXXX, XXXX. I filed an answer with the court dening doing business with Capitol One and that the account was opened by someone else and that I have been attempting to make Capitol One aware of this to no avail. On XX/XX/XXXX Capital One Bank by and through its undersigned attorneys voluntarily dismissed the case but Capital One is still reporting the debt as a charge off with credit burea 's

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: CURO Intermediate Holdings
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX about XXXX I logged into my account to check the balance and was shocked to see that it was XXXX to XXXX dollars less than expected. I immediately went to my transaction history page and noticed a card to card transfer to an XXXX XXXX that occurred on XX/XX/XXXX at XXXX for XXXX , I don't know who this is, so XXXX called the customer service line for XXXX XXXX, and while I was going though the process of getting to a customer service rep, a second transaction for XXXX $ went through, the rep told me about it after confirming my account info that was at XXXX and the time stamp on the second transaction is XXXX, it takes longer than that to get thru the automated system and account verification process. I explained to the rep that I hadn't done that, didn't know this person, and had never even done a card to card transfer before, didn't know how. She transfered me to another rep who handled that type of problem. I went through the whole thing again with this lady she immediately canceled my card, told me to change my password on the account. I explained to her that when I send money I use XXXX XXXX or XXXX XXXX  and had no idea this was even possible. She asked me several questions like did I share my password or have it written down to which I said no not at all. Than she asked me if my phone had got lost or stolen, to which I explained that I had two phones and that as a matter of fact, one had come up missing two days before on XX/XX/XXXX during a move. I went online to find my phone and locked and erased the phone or so I thought. that phone number was XXXX XXXX, My main phone number is XXXX XXXX XXXX and that is the one I use primarily. She told me that she would file the necessary paper work and that I should write a letter of dispute and fax it to her, so that they could credit my account, which I did. My account wasn't credited and Than I received a letter say that they found no error and weren't going to give me my money back. I was the victim of a cyber theft, and they know were that money went it is traceable, so how can they just tell me they aren't going to do anything about this criminal activity. I want this XXXX to pay for stealing my money and I want my money back. You can see in my history no other transaction of this type, you can see where they charged me for a new card and shipping, and were I have used XXXX and XXXX XXXX to send money, cause that is the only way I knew how.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They will not communicate by email. Their website " contact site '' says : To email us, log in to your account and access the Email Us feature. I am in my account and there is no such " feature ''. It doesn't exist. 

Repeated calls every 2 hours, never leave a message. 

I am behind. No kidding. It is temporary hopefully. No way to communicate that to them without telephone harassment. 

Also says I owe for XXXX but I don't. I have payment coupons from them that says so. Repeat offender over and over through the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Capital One bank failed it's due dilligence with a checking account I forgot I had. In a process what is called " escheating '' banks are required to turn over funds from the inactive account and close the account after 5 years. I'm enclosing proof that I had an old XXXX checking account from XX/XX/XXXX to XX/XX/XXXX. This is longer than the 5 year period detailed under Florida Statute 717.106. To make matters worse, Capital One kept this account active for over 5 years WITH ONLY A SINGLE CENT IN THE ACCOUNT. Yes, there was only XXXX cent in the account. When I realized this, I closed the account. Capital One failed to act, and as a result they are saying that I'm not entitled to a New Account XXXX XXXX  ( See CFPB complaint XXXX ) because I had this previous account that I was unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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: Information belongs to someone else

Complaint:
After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX   {$630.00}, XXXX  XXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.

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 2019-04-04
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Cooling and Winter, LLC., Whom are representing XXXX XXXX in this case, have executed a judgement against me that was issued in XX/XX/XXXX and began a garnishment of my wages XX/XX/XXXX with an alleged balance owed of {$4300.00}. Through investigation, I learned that the statute of limitations on executing a judgement in GA. is 7 yrs. but can be re-newed forever as long as the request is submitted and granted from the court. After unsuccessful attempts at getting much info or documentation from Cooling and Winter, I contacted XXXX XXXX and was told by guy handling this case that the balance was now {$6800.00} with an explanation of the nearly {$2500.00} difference that accrued in less than 2wks. from the balance that was given on forms sent to my employer to begin garnishment was due to interest and other fees and that a lump sum of {$4000.00} was the best offer available to settle the debt. After this, I searched the court records on-line and found that after the judgement that was issued in XX/XX/XXXX, the next and only other records the court has are the XX/XX/XXXX documents that started the garnishment process. I called immediately and spoke with a representative from the court who confirmed that the documents shown on-line were the only documents recorded. No record of Scire Facias or anything indicating that the judgement was re-newed. She even updated them, adding my middle initial because of high volume of cases that share my same name. A judgement has been illegally executed after the SOL expired, my wages are currently being garnished because of it and through my experience and investigation, have realized this is not uncommon practice for Cooling and Winter and I believe XXXX may have to answer for their role in this as well.

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 2019-04-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX/XXXX   {$630.00}, XXXX XXXXXXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
These are fraud, I didnt benefit, apply for, and authorize these accounts. I want them to be removed. 
XXXXXXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2021 my XXXX Credit Card was transferred to Capital One without my knowledge. I had auto-payments setup for the XXXX Card which were cancelled in XXXX without my knowledge. 

Today I received a statement by mail from Capital One stating that my account is 2 months past due. There is a late fee of {$40.00} charged for XXXX. I presume I was also charged {$40.00} late fee for XXXX. 

Upon reading the statement I also noticed that the account number referenced does not match my credit card. Apparently, Capital One changed the act # and never informed me nor sent a replacement card. 

Upon reading the XX/XX/2021 statement I phoned Capital One. The representative explained that my XXXX  Acct was taken over by Capital One in XXXX and that they received my XXXX payment from XXXX. However, XXXX and XXXX payments were not received. The rep stated that policy was to send a notice to the credit bureau on 30, 60 and 90 day past due accts. 

The Capital One rep informed me that she could not correct any notices to the credit bureau but provided an address to write to for Credit Bureau Disputes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I then closed the account and paid off the balance 0f {$630.00} via bank draft. I have written a letter to the disputes dept.

I am asking your help in getting the following : 1. Letter to all credit agencies negating any late notifications that were sent by Capital One.

2. Refund of all late fees imposed by Capital One. I estimate this to be {$80.00}. 

It is not fair that I did not receive prior notice of the transition from XXXX to Capital One and that may auto payments were not honored for a reasonable grace period ( 60 days ). I have experienced this with my mortgage which changed hands several times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
State: MO
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 noticed that XXXX XXXX  XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX  XXXX and EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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