BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-24
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : Capital One Bank USA I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : XXXX  XXXX XXXX I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 GC Services, a debt collector, marked my credit as a derogatory account. They bought the debt from XXXX. I had originally disputed the debt of {$140.00} with XXXX through my XXXX XXXX XXXX account, which I had automatic monthly bill payment from XXXX. I won the dispute ... Unscrupulously, XXXX sold my phantom debt account to GC Services. When GC Services marked my credit, naturally, I was damaged and couldn't get a loan and it affected many other things like not being able to get an apartment. 
I then disputed the GC Service derogatory account with the credit bureau and I won the dispute. 
GC Services, knowing the truth now, and having lost the dispute then unscrupulously sold my phantom debt account to XXXX XXXX, who marked my account without notifying me. I disputed the XXXX XXXX  derogatory accounts with the credit bureaus and won those disputes as well ... XXXX XXXX  then sold the debt to XXXX  XXXX  and they marked my accounts with the credit bureaus, and I presently have disputes ... Where does it end?!?! ... This is harassment and all these companies are working with each other!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Experian Information Solutions Inc.
State: NC
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 been disputing the consumer credit reporting agency, Experian for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to Experian. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Experian added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX/XXXX all XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. My last certified letter that I sent Experian was on XXXX XXXX, 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.

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 2020-10-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following account ( XXXX XXXX XXXX ) belongs to someone else with the same or similar name. Please delete.

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 2020-10-19
Company: EQUIFAX, INC.
State: NM
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/200XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX  XXXX Balance XXXX {$140.00} XXXX XXXX XXXX Balance : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Capital One agreed to remove a hard pull Inquiry from XX/XX/2018. They said they would remove from my credit file as I never requested any additional cards or signed any documents asking them to pull my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Viking Client Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XXXX of XXXX I flew into XXXX for a 3 month job. I rented a car upon arrival since I did not have any other transportation. The next day I returned the first car and was charged {$48.00} dollars for it. I then rented a new car under a company contract that same day. I was charged monthly and returned the car on XX/XX/XXXX. After much back and forth I was at last given the final invoice of that car on XX/XX/XXXX and saw it was {$2000.00}. I felt like I was charged more than this so I added up all the charges on my bank statement and realized I was over charged by {$640.00} which was the exact amount of one charge posted to my account on XX/XX/XXXX. I reached put to the XXXX agent assigned to my company and after explaining the issue and being ignored I went to my bank on XX/XX/XXXX and disputed the charge through them. On XX/XX/XXXX they wrote back to me saying the issue was an errant extra month rental that somehow was created. They settled the dispute and awarded me {$560.00}. 

I moved on with my life, took another out of state job, and now that I'm back home I see I have multiple bills from XXXX dated XX/XX/XXXX billing me for the {$560.00} I was awarded and now they say it has moved to a collection agency on XX/XX/XXXX and there is nothing they can do about it now. They are claiming that their records indicate their car was returned on XX/XX/XXXX which is quite impossible. The job I was working on was all about covid safety and required the whole crew to sequester in a hotel for three months. 

I spoke with my bank and they say that when they contacted XXXX about the dispute they never tried to fight the bank on it. I do NOT think this is right and am trying every means to get it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Conn's, 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: Information belongs to someone else

Complaint:
My information was used to open a fraud account with Conns Credit Corp. for the amount of {$1400.00}. I submitted a police report, FTC report for Conns Credit and XXXX. I have been disputing this since XX/XX/2018. XXXX and XXXX   have deleted this claim with all of my proof but XXXX is not cooperating. Please see attachment to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$69.00} XX/XX/XXXX and XX/XX/XXXX for spirit airlines for services that I did not use for that time. I did not authorize these charges and did not use this service. Bank of America failed to resolve the dispute. They claimed it was not fraud and I could dispute the charges. When I tried to call they kept transferring me to different departments and nothing is being resolved.

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 2017-06-20
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) has reported to the credit bureaus that my account is 30 days past due when it is not, nor has it ever been delinquent. I called the customer service number on my latest statement to speak with an agent who confirmed that my account was current. He could not figure it out and sought the help of a supervisor who could not figure out why I was reported delinquent to the bureaus either. 
I have attached the previous three months XXXX credit card statements for year 2017 : XXXX, XXXX, XXXX ; you will see that NONE indicate any past due amounts or fees. Additionally, I have attached the previous three bank statements showing the CFNA payment debits.
Thank you.

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 2020-10-19
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 status incorrect

Complaint:
Dear CFPB, I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off on XX/XX/XXXX and closed. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1.Delete this account, because this account was charged off in XX/XX/XXXX and reports account type OPEN under the Collection 2.Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date. Incorrect information. 


3.Delete this account, because it reports an incorrect amount. Correct amount is {$2900.00} on the credit report shows {$2900.00} 4.Delete this account, because it shows an incomplete account number. Correct account number # XXXX ; on the credit report shows # XXXX 5.Delete this account, because it shows Past Due {$2900.00} a Charge Off/Close Collection Account must show {$0.00} Past Due. 



Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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

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 2018-10-24
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Best Buy Credit Card Services debited my checking account an unauthorized amount of {$1000.00} on XX/XX/18. I called them on XX/XX/18 at XXXX to find out why. They advised me it was a promotional offer that had expired and that interest was added on to my account because I didn't pay off the promo rate. I believe this offer was misrepresented. I advised them that I only authorized them to take out a {$100.00} automatic payment from my checking account each month and I never authorized them to debit my checking account {$1000.00}. They advised me the payment was properly taken out of my checking account based on the minimum payment I owed. I was transferred to a supervisor. She advised me again the amount was properly deducted & that she would expedite a request to send back {$900.00} plus to my checking account in 3 to 4 business days. She also inquired if my address was correct. I advised it was not and I provided the updated address. She then stated that she would remove the interest and allow me til the end of the month to pay off the promo. She also advised she would remove the automatic payment. I called back on XX/XX/18 at XXXX. I was transferred to the Dispute department. I was advised : 1. ) the returned deposit to my checking account was not expedited & still scheduled to take 7 to 10 business days 2. ) my address was never changed like I was advised 3. ) most importantly, my automatic payment was not  cancelled on XX/XX/18 like I was advised ( which would have automatically been taken out again had I not called back ). The specialist on XX/XX/18 advised she would expedite the request to have the funds returned in 3 to 4 business days, she removed the autopay & updated my address. I called back on XX/XX/18 at XXXX to follow up. I was advised that the funds should be deposited in 7-10 business days from the original request date which would be XX/XX/18. I explained that I was advised on two ( 2 ) occasions that it would be expedited. The specialist I spoke to advised me there is no expedited timeframe & it takes 7-10 business days and the request is processed in the order they came in. I requested to speak to a supervisor. She advised me she is a supervisor. I then requested a copy of my automatic withdraw form to confirm that I only authorized a {$100.00} payment out of my checking account each month. The supervisor advised me there is no form because I either requested it online or via the telephone.

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 monetary relief
Consumer complaint received 2018-07-23
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX. Account ID XXXX. I have 3 different disputes with different dates. The investigator put all of the disputes together and denied without looking allowing me to address each of them. The total disputed amount is {$4000.00} and I dont even have have the card anymore, my cell phone was stolen during one of the disputes. I was not given the opportunity to show my proof to defend myself. Received a summary with the decision and claim closed. I cant afford to pay such large amount plus accumulating interest. I need an opportunity to show proof for each occurrence Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TN
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 DEPT OF ED 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 explanation
Consumer complaint received 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX aquired Cabelas, including the Cabelas Club Visa account holders. This involved a handoff of accounts which they fumbled badly. 

I received my Cabelas Club Visa statement and mailed payment in a timely manner to the address on the payment slip ( XXXX, NE ). The payment was due XX/XX/XXXX and I mailed it XX/XX/XXXX. Generally payments mailed from my address in XXXX XXXX Missouri are credited in 3 to 5  days, but to this date ( XX/XX/XXXX ) the payment has not been credited and the check has not been cashed. 

I have called repeatedly and begged them to cash my payment and credit my account. Each time I get a different story about why they haven't done so and what they will do. 

This whole fiasco begs for a class action lawsuit against the banks that were supposed to handle the transfer. I know I'm not the only person who had a Cabelas Club Visa that was being transferred over to Capital One for the XXXX XXXX takeover.

Company response to consumer: Closed with explanation