BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was notified via email of XXXX transactions on Sunday, XXXX XXXX which I did not authorize. I immediately called Capital One 360 to inform them of the charges. The total had already been removed from my available balance. I was told that I had to wait until XXXX for the charges to post and then I could make a dispute. I was told that it could take up to XXXX hours to complete the dispute and for the funds to be returned. This caused a separate credit card payment to be returned. I filed a police report and called on numerous occasions to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
On XX/XX/XXXX I went to an ATM to get cash from my checking account knowing I had a balance of over {$2000.00} I got XXXX cash and it said my balance was XXXX. I thought it was a mistake so I called my bank XX/XX/XXXX at XXXX XXXX and they told me that XXXX XXXX XXXX XXXX had a jugement on my account for over {$1600.00} that was dated XX/XX/XXXX for Capital One credit card? I currently have XXXX credit cards from Capital one with perfect account standings.I ran credit reports from your website about 4 months ago that were all good and showed nothing of this what so ever. I certainly do n't recall a judgement XX/XX/XXXX 12 years ago of this nature. The last couple months I was getting calls on my cell phone with the caller I.D . blocked and when I answered they would rattle of something credit service and ask for personal information address date of birth social security number and a red flag would go off and I was positive it was a scam because they would n't Identify themselves and wanted my information and they would call twice a day and started threating me so I quit answering the calls. After I talked to my bank and they gave me the company name and phone number I called them and they told me that they had an active judgement against me dated XX/XX/XXXX for Capital one and they were going to contact the courts that I contacted them and they were going to seize my money? I do n't know it this is an actual recovery company but they present themselves like big time scam artists. I also had credit reports ran XX/XX/XXXX when I got a credit card from XXXX 's that was good and showed nothing of this at all. If this company has an active XX/XX/XXXX judgement against me why has n't it ever showed up and if Capital one had a bad account with me why would they issue me XXXX different cards and have had the cards for a long time with no complaints. I did file a complaint with your website on the class action of Capital one kept billing me for account protection that I never signed up for and kept billing me for years and would n't stop and I was awarded somewhere in the {$1600.00} dollar range so I wondered if this was that company that kept billing me without my consent? I am not a wealthy man and it is the first of the month and have bills to pay and now no money to pay them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My great granddaughter ( XXXX ) was left on my doorstep. I needed find out if she was immunized or get her immunized to attend child care. The granddaughter was personally covered by Medicaid. The doctor accepted the Medicaid and informed the lab but the lab sent me the bill I sent XXXX the child 's Medicaid account information and they persisted billing me, Eventually turning it over to collection. I sent a letter to the collection agency ( attached ) they did not respond and filed multiple failure to pay with the various credit reporting agencies. I am not responsible for the debt. I have seen medical providers illegally by pass collecting from Medicare and badger the person to get more more money for the service than Medicare will pay. I believe that was what happened here.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Byrider Franchising, LLC
State: GA
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 have contacted and sent Fraud Affidavits to CNAC. Also, I have disputed this account with all XXXX Credit Agencies who stated that CNAC verified that this account belong to me. I find that hard to believe since I was never able to get a response back from CNAC. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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: Account status incorrect

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX Balance : {$2200.00} Account Number : XXXX Balance : {$4600.00} Account Number : XXXX Account Number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: Fidelity National Information Services, Inc. (FNIS)
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: Personal information incorrect

Complaint:
ChexSystems reported to XXXX XXXX XXXX and Loan that I owed XXXX  XXXX XXXXXXXX XXXX XXXX {$10.00}. The account of XXXX was my granddaughter 's XXXX account when she was a minor and I was on that account, but she closed that account after she was XXXX XXXX XXXX. 
The address on the report is incorrect. I have been at my current address since XXXX. 
I sent to ChexSystems for my credit report. 
My Consumer ID is XXXX dated XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX cell phone Please Correct the address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to XXXX XXXX XXXX, XXXX, CA XXXX, take the reported {$10.00} off my report and Send me a copy of the corrected 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 2016-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had XXXX accounts with khols department store which a rep had closed one of my accounts without my permission which i was never notified by either mail or phone nor email.I have worked with an attorney to help solve the issue which a customer can only have XXXX account I had XXXX which was under my married name and XXXX under my original last name.I have asked them to accommodate me with this issue but nothing was done.I have been denied school loans personal cant purchased a car was denied 3 times for that my attorney at the time reached out 2 times and still no response .They have received a demanded amout that I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card
Issue: APR or interest rate

Complaint:
I am being charged an APR of 29.65 % The advertised rate on the Capital One website shows 23.24 %. I have contacted Capital One several times and no resolution or adjustments have been made. This is total false advertising and I am entitled to a refund of the discrepancy amount from the first day that I noticed this huge error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I recently got married and requested a card for my spouse on my account. The credit card company requested proof, XXXX documents. Drivers License, Passport, Social Security Card ... Some reason, they did n't trust the documents that were emailed to them. The put my account on fraud hold. After waiting for a week, I told them to close the account. Now they think it was all fraud. I had and account in good standing over 20 years with them, but I will not be treated like a criminal. They will not close the account at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off this debt. The vehicle was totaled in 2014. I have documentation that amount financed and I paid all owed. The company is trying to charge me additional money. The company is not taking off for the amount owed at the time car was totaled. They are asking for money that at time of accident but they want to get money that is nothe owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I owe Capital One on my CCD {$650.00} with a minimum payment of {$170.00}. I am behind by three payments ( 3 months ) so far. They have called me 46x ( recorded ) this month alone about the amount owed. I have spoken with them and told them that I am aware but had other pressing matters. I have asked them to only call me once a day at the very least. They have ignored my concerns. I have blocked their number through an app on my phone that records their calls. I would like them to stop calling me. I recognize the debt and am working on paying them. I have already cancelled one card by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Privacy

Complaint:
I spoke to XXXX around XXXX Pacific Time. The call was regarding a missing card that I never received. He asked for my address within the conversation. XXXX stated the address was updated on XXXX/XXXX/2015 around XXXX. However, he would not give me the previous address on file so I can verify if it was my previous address in the past. So I asked for IP address to confirm it actually took place online from me ( In case I changed it and missed some details ). He stated they do not have that on record. My statements for the month of XXXX 2015 have my correct address. So my card was sent to a different address that Capital One does not want to provide to me. I need to know why it was changed, why my card was sent to another location even when my statements are arriving to my current address. I was a victim of the XXXX data breach and I need this to take actions to protect myself and make sure I can contact the Credit Reporting Agency if the address was fetched from their databases. I am including a copy of statements from XXXX 2015 ( prior to the stated address change date ). The statements have my current address and I have been receiving mail successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In my credit report shows the following hard credit inquiries that have never authorized : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Card ( XXXX/XXXX/XXXX ) XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX ( XXXX/XXXX/XXXX ) Please delete all credit inquiries that I do n't authorized.

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 2016-04-13
Company: Innovative Credit Solutions
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They contacted my employer and told them i would be served with a summons at work the next day. They told them i was being sued. When i called they asked for my personal information and hung up when i did n't give them any. They called me the next day and left a message threatening to serve me at my home. I do not know who these people are and they would not tell me what i supposedly owe and to who.

Company response to consumer: Closed
Consumer complaint received 2015-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX has issued a late/missing payment remark on my credit report. The account in question is not mine ; it is my late step father 's. They claim since I was authorized user ( which is news to me-I have my own XXXX XXXX account ), they have the right to put this on my credit report. I think this is extremely unfair! I never signed my name to this account ; plus even XXXX XXXX states an authorized user ( if I was one ) is not liable to pay the account. So why is it alright for them to report my Dad 's account with a derogatory remark on my credit report? I think it is terrible to use my Dad 's passing as an excuse to do this. I would like their remarks removed from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I withdrew {$250.00} directly from the Wells Fargo bank teller on XX/XX/XXXX at around XXXX, and was given XXXX {$100.00} bills and XXXX {$50.00} bill. I needed the cash to exchange for XXXX currency on my upcoming trip to XXXX. When I got to the currency exchange stand in XXXX, I was informed that they could not accept XXXX of the {$100.00} bills because it was counterfeit. They returned it back to me after writing " COPY '' on it. Upon my return to the USA, I took the marked bill to the same Wells Fargo branch where I took out the money and explained what happened. They confirmed that it was counterfeit, but informed me that they could not do anything about it because I had already left the " store '' with the counterfeit money. I asked if they could review tapes or confirm who the teller was, but they said it would not help since I had already left the store. They were condescending and rude. i closed my account immediately and withdrew any remaining monies in the form of a cashier 's check. I took the counterfeit note to the XXXX, as I have learned through my own research is policy. To the best of my knowledge, the bank has not reported the incident nor are they looking into the distribution of fraudulent money. I spoke to the service manager while I was there, but I was not able to speak with the branch manager ( nor was this option offered ). I have also not been able to get a hold of the branch manager by telephone. The Wells Fargo branch I went to is at XXXX XXXX XXXX XXXX XXXX, CA XXXX, and the telephone number of the branch manager is XXXX ( name is 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 2016-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
CapitalOne 360 Bank put a hold on my checking account. I received threatening email that my account would be closed if I do n't call. i had to call security department to get hold lifted, but security dept did not answer my phone call, despite repeated attempts and call transfers from supervisors. Security then called me from number that did not specify the bank 's name, and the operator had heavy XXXX accent, and would not forward me to supervisor despite repeated requests. I am on phone with the bank for over 3 hours and still no resolution. MY CHECKING ACCOUNT IS ON HOLD, and I can not get access to my money. This is taking advantage of me as XXXX. I have been actively trying to get someone to help me, but all my calls get transferred back to the phone que and no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
CAPITAL ONE AUTO FINANCE XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
Sychrony Bank put a 30 day mark on my credit even though I asked a rep if I made by payments on XX/XX/XXXX, I would be in good standing. I tried to make payments on XXXX/XXXX/15 and XXXX/XXXX/15 but the system claimed my bank rejected the payments which is not true. I did not have a returned payments with them. I want the negative credit mark removed because I paid XX/XX/XXXX 's payment on XXXX/XXXX/15 which a rep said I can do. Now I am getting inconsistent information. They claimed they ca n't remove the negative credit mark which the credit bureau advised me that is not true. He state if they want it removed, they can submit a correction with the credit bureaus. I have had several issues making payments with their reps because they clam my bank rejected the payment, this was not true per my bank. I do not think it is fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2016-02-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting 4 calls a day, including Sundays and early mornings, from an automated recording telling me I have debt to pay, then it says a number I need to call to clear the debt. I am behind XXXX payment of {$25.00}!!! I have closed this card due to previous unacceptable behaviors from this company. It is an Old Navy card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.

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 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION CONTINUE TO LET INQUIRIES BE SOUGHT ON MY CREDIT WITHOUT MY PERMISSION. THEY DELETED A SERIES OF INQUIRIES AND NOW THERE ARE SEVERAL MORE SHOWING EVEN THOUGH I HAVE SECURITY FREEZES IN PLACE. THESE ARE A LIST OF UNAUTHORIZED INQUIRIES. I HOPE THEY FIND THESE INQUIRIES UNAUTHORIZED AND REMOVED IN A PROMPT MANNER.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief