BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received a plastic credit card from XXXX not long my bankruptcy had been granted. I called them wanting to know how long was the card good for and how much it was for. The person I talked to took it upon himself to do all of those inquiries.I did not give him permission nor asked about buying a car, ( I just got my drivers license back in XXXX of last year ) .i lost my license almost 20 years ago, why would I attempted to buy an auto if I could n't drive it? After joining XXXX I received several notices about the inquiries and after investigating I found out that the salesman at XXXX had been making all of these inquiries. I immediately called him and asked him what the XXXX was he doing, I did n't want a car I called asking questions and he knew that. As you can tell by the dates of the inquiries they were made on the same day.If you need proof of my license situation I can send you proof. I feel that these inquiries should be removed from my reports because I did not request them nor was I trying to buy anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My husband was going to XXXX for some dental work we opened a finance agreement with them. I paid monthly on time we finished his contract and they closed it. Then they opened another contract without mine or my husband 's consent that showed on my credit report as an opened unpaid account. I called XXXX XXXX we resolved they issue but when it was take off my report it deducted points of my credit. Why is my credit suffering from their mistake?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a bankruptcy filed in 2005 on my report. This bankruptcy was filed by my son XXXX XXXX XXXX not by me. I am XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I bought XXXX auto insurance through XXXX because XXXX gave discount to XXXX executive member, which I have been a XXXX executive member over 10 years. Everything was fine for a few years until I switched my auto insurance company to another auto insurance company. XXXX started sent me letter saying I owed them {$100.00}, I called to find out they said they did not have any record of I was XXXX executive member. I followed the instruction faxing the prove of XXXX executive member to XXXX over 10 times, after I faxed I called to find out if they got my fax, they always said there 's nobody able to see if the fax went through! The customer service DEPT said I should just wait if I got any mail to either confirm or asking for payment. This process was back and fore for over two months and still I kept receiving the bill demanding for the {$100.00}. However, the last statement I received was from collection then I called the collection company, trying to explain my situation. I offered to fax my prove of membership to the collection agency. But they said this was not their responsibility and referring me to contact XXXX to correct it. But XXXX never response if they received my prove of XXXX executive member. The collection agency said their job was to collect the money for XXXX. It became a never ending story.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a XXXX Capital One Credit Card with a {$7500.00} cash advance limit and recently got XXXX checks in the mail with a promotional offer of 0 % for 12 months. That means that I can write out XXXX checks up to {$7500.00} and not pay interest on that {$7500.00} for 12 months! Only catch - the checks have to post by XXXX/XXXX/2016 and there is a 2 % fee for each transaction. FYI - this was all the information that was in large font with the checks. Great deal and just in time for XXXX shopping right!? ... ... ... WRONG! Feeling like this was too good to be true I did some digging online. Let say I had a {$0.00} balance on my card and never used it again during these next 12 months and only owed the {$7500.00} cash advance from the promotional check - all fine an dandy! I would have 12 months interest free to pay off the {$7500.00}! BUT, lets say I did grocery shopping and made an additional {$150.00} purchase after the check has posted to my account ... ... The new purchase would NOT have the 12 month period and would have the regular APR of 23 %. If I were to pay the {$150.00} at the end of the month to pay off the new purchases in full, it would automatically deduct {$150.00} from the {$7500.00} cash advance I took and NOT the new purchases. Meaning, all new purchases would be hit with a 23 % APR until the {$7500.00} cash advance was paid first ... ..If you understand the math this could be devastating if you did n't catch this in time and continue to make purchases on your CC ... You always hear about how Banks are shady but this is truly disgusting - baiting people into a financial trap knowing XXXX well it will be too late once they realize that they got themselves into.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am frequently called by Harris and Harris at my home landline. They leave a vague message of attempting to collect a debt [ no name of who they are attempting to contact ] with instructions to call a number that is a long distance number. Even if I answer the call direct when I am home it is the same recording to call the number back. This has gone on all of 2016 and almost every day of a given week. I initially called the XXXX number to ask to be removed from the system robo-call or whatever it is. The line leaves you on hold incessantly and runs up time and I hang up. I have no debt or owe anything that would be in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed this Bankruptcy information previously and it could n't be verified and was removed from my credit file, I see it has been added back on to my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have been an established customer of Capitol One Bank in XXXX XXXX, NJ. My original interest rate on my account was 1.09 %. Without my knowledge, the bank dropped the rate to .10 % After speaking with XXXX XXXX, she said no problem, I have a lot of customers who complained about the same thing. All you have to do is bring new money in to the bank, open a checking account, and the rate will return to 1.09 % So I presented a check in the amount of {$230000.00} and wanted to proceed with what I was promised. The new manager XXXX XXXX asked me what I am going to use the checking account for and I said some small deposits here and there. He gave me a strange look that made me feel embarrassed, uncomfortable, and like a criminal. Then he refused to open the account. I feel I was discriminated against and was given no reason as to the denial of the account opening. I even escalated to Capitol One corporate. XXXX contacted me and said it is in the rights of the branch manager to decline opening an account. She did however take down more facts about what transpired. Keep in mind their was no heated conversation or bad language. How is it that the bank allows this for some customers and not others? Is it my last name? What is the criteria? I thought ll customers should be treated equally. I am still hurt, puzzled, and felt belittled that day inside of the branch. I feel I deserve an explanation. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Copy of a letter I am sending to Capital One : Former Credit Card I dispute : The same as at least a year ago I got a postal notice and an automatic telephone call probably on the same subject. It was to collect an amount approximately {$120.00}, same as I disputed before. 

I NEVER MADE THIS CHARGE, I discontinued service and destroyed the card at least XXXX years ago. ( I explained this by phone a week ago about, but do not have the account number available anymore. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
Ordered a Large BBQ sandwich for a total of $ XXXXPosted on my account as $ XXXXI specifically did not include a tipThe manager at the business " XXXX XXXX XXXX '' in XXXX , XXXXInsisted it must have been me, other XXXX reviews prove a pattern of theft and fraud. 
I was not the only one with an unauthorized transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Payoff process

Complaint:
I have an XXXX FICO score, XXXX in available credit, and & lt ; {$2000.00} in debt in any given month. 
Today I received an email from Capital One inviting me to do a balance transfer, that appears to be in violation of the Credit Reform Law. 
A section of the email stated : '' If you pay your balance in full each month, you do not pay interest on your purchases. Please note, after you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ". 

This appears to be in violation of the law that states that payments shall be applied to highest interest debt first.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the agreed settlement amount on XXXX XXXX, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( XXXX XXXX ) I spoke with stated that XXXX sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have an account with Capital One, a XXXX credit card. A fraudulent charge has been applied to my account and this was done on XXXX XXXX, 2015. I disputed the charge with Capital One and they sent me some illegible information provided by the company that placed the charge, XXXX. The bottom line is that I never gave XXXX permission to charge to my Capital One account, but Capital One is saying someone gave my credit card number to XXXX. Capital One says it was XXXX, and XXXX says it was Capital One. Again, I never authorized this charge or provided my number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My husband has an automobile financed through Ally Financial in Fliorida.He has missed ( XXXX ) payment! I work at a hospital and they continue to call my job every week after I have asked them mumerous times to not contact me at my employment and even identify themselves as Ally financial to my co wrokers who answer the phone. They have to go through a switch board to have me paged to come to the phone.We are not allowed to recieve personal phone calls through the company phone unless it is an emergency. This is becoming a problem since I am pulled away from seeing patients and doing my job to come to the phone and could cost me my job

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
On or about XXXX my capital one credit card was charged XXXX for lodging that took place somewhere in the USA. I was not in XXXX during this time period ; & provided capital one proof of my time out of the country. My proof included a copy of my passport stamp from that time period, which showed that I was in XXXX during this transaction. 
Capital one gave a temporary credit & subsequently reversed the credit on XXXX. Capital one still has not resolved this issue. I would like your help in resolving this issuethanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Jim Bottin Enterprises, Inc
State: KS
Product: Other financial service
Sub-product: Check cashing
Issue: Unexpected/Other fees

Complaint:
After talking to an XXXX XXXX employee and answering my question in regards to my contract, the employee stated that the contract would end and payments would cease at the end of the agreement. This was over XXXX months ago and I just realized that I 've been paying on a membership I thought had ended. No form of information was handed to me to tell me otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I contacted Transunion over the phone in regards to inquiries in my credit. I advised TransUnion that hard inquiries are to be in my file for 2 years, I was advised it will in in my files one more month. I advised Transunion the allotted tome for inquiries to be in my file has expired and to delete the following inquiries. XXXX XXXX XXXX XXXX/XXXX/2013, XXXX XXXX XXXX XXXX XXXX/XXXX/2013. I was advised the inquiries will not be deleted on their two year anniversary date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I traded my car in on XX/XX/2016. Ally reported that I missed payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For the past three months I have been trying to work with them and XXXX XXXX XXXX to get this corrected. However, they have not made the correction to 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 2016-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
When I opened my checking account I made it clear I did not want overdraft protection, and that the bank should decline charges if there is insufficient funds. Well on XXXX/XXXX/16 by account had insufficient funds, and I was charged an overdraft fee 4 times. Also I was not notified that my account was overdrawn until XXXX/XXXX/16 in my opinion this was as deliberate attempt to collect for fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
My XXXX yrs. old daughter without my permission used my Capital One credit card to purchase XXXX concert tickets valued at {$340.00}, later that day looking at my notifications on my phone I see the charges and called Capital one, they told me I needed to call the police and present charges to my daughter ( needless to say I developed a knot in my stomach ) the agent proceeded to contact the merchant and they did not helped even though I mention that I was within my 3 days to rescind, plus I did not authorize this transaction, I did therefore disputed the transaction today I received a letter from Capital one saying they are charging my account {$340.00} because the merchant showed my daughter made the purchase, mind you this concert is for XXXX/XXXX/15, which is in the futurePlease help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have been a victim of multiple cases of identity theft within the last two years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up Fraud Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This complaint is specifically for TransUnion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
they did n't want to check with the company for an update.. here if my proof the account is settled I would like this removed from my credit report please

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 2016-03-31
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
The first time I sent money from WU to XXXX using my Debit Card, it went through without any issue. A week later when I try to send another money it failed with the error message " Your transaction could n't be completed. '' I called Western Union regarding this error and all the agent told me was " I do n't know what happened, I can not see the error from here '' I asked the agent to get me someone who can tell me what the error means and why it is failing, the agent told me No one in WU can help me regarding this error I should go to an agent location to send the money. I thought this is absurd. Why do you provide me the choice to register an account online and not be able to tell me why the transaction is failing. This is n't the first time. WU has not been helpful in dealing with this and they have very terrible agent who 's mean job I believe is just to get customer 's to stop using WU services

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
It seems like my private student loan interest rate goes up every month or every other month. I have been repaying it on time and even additional principle payments to pay it off faster. I would like you to check why the interest rate keeps climbing for no reason at all. I get letters often that the interest rate went up for no reason. I 'm wondering if this is legal? I am also wondering how I can get them to stop increasing my interest rate so often. It started at 4 % and is up to 5 % in less than a year. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested verification of debt, debt collector and/or attorney stated they did not have to provide me with proper validation of debt the further stated that copies of past statements were validation of debt. I am not disputing that I owe the company money I 'm disputing the amount I have questions about the debt I requested proper validation of the debt as well as the signed contract from the credit card company and signatures of purchases that I personally made with the credit card none of which I have been given except for copies of statements of two plus years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase charged XXXX overdraft fees for XXXX check for {$1200.00} that overdrew the account. The acount has reverse positive pay and the item should have been pending for review before payment.

Company response to consumer: Closed with explanation