BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/2021 : notified CapitalOne XXXX  charged me {$110.00}. I paid but XXXX overcharged me {$61.00}. I sent Capitalone receipt, credit card charge and XXXX  paperwork proving I was overcharged. Capitalone refused to send paperwork toXXXX  that would prove that I was charged {$61.00} too much. I do not care what capitalone thinks, feels, believes about my paperwork. All I am requesting is that they send paperwork to XXXX for a response. Instead capitalone takes the word of XXXX that the charge is correct. And Capitalone refuses to send paperwork XXXX  proving that I was charged incorrectly and charged too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft

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 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
CBNA PULLED CREDIT INQUIRY WITH TRANSUNION XXXX XXXX ON XXXX and XXXX. I did not authorize neither of the inquiries pulled on my TransUnion consumer 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 2021-12-12
Company: Social Finance, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/30 I funded my investment account with {$50000.00} XXXX Took a total of 6 days for me to access the funds as XXXX XXXX. I tried investing XXXX lost {$200.00} so I said to myself this isnt for me. The XXXX XXXX bank account I funded the investment is close so I tried to transfer my funds to another XXXX XXXX account of mine and XXXX  is now telling me for security purposes they restricted me from withdrawing my money. After uploading bank statement of both accounts. Closed and the account I will like to withdrawal too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On several occasions I have reached out to XXXX, Equifax and XXXX  and these people are not doing any investigations whatsoever and we can no longer blame it on COVID.. I need my disputes investigated today because by law they have 30 days to investigate my negative items that I am disputing here ... Please delete. 

XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX-Unverfiied Account XXXX  XXXX  XXXX-XXXX- Not my account XXXX XXXX XXXX-XXXX- Not my account XXXX XXXX  XXXX-XXXX- Unverified account XXXX XXXX XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX  XXXX XXXX-XXXX-Unverified Account XXXX XXXX XXXX- XXXX-Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1980

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony Financial ( parent company of Care Credit ) ATTN : Customer Complaints XXXX, FL XXXX RE : " Holding '' of Funds | Care Credit Cardholder [ XXXX XXXX ] [ XXXX ] The purpose of this message is to alert you to an unfair, possibly illegal action of a financial institution. 

Situation I made a payment to my Care Credit Account on Friday, XXXX XXXX, 2016 ( by phone from XXXX checking account ) ( Confirmation # XXXX ) in the amount of {$1100.00}. The amount was deducted from checking account Monday, XXXX XXXX, 2016. 

I checked online and called Care Credit on Thursday, XXXX XXXX, 2016 to verify the account balance and available credit. To my surprise the {$1100.00} payment was applied to my " available '' credit. 

When I called Card Credit to ask why the {$1100.00} payment was not credited to my " available credit '' I was told that payments in excess of {$1000.00} are " held '' and not applied to available credit for 14-days. 

I spoke to two different phone agents and asked if this " holding '' policy is stated in the terms of use for the credit care. Both said no it was not. I stated that at no time during the payment-by-phone on XXXX XXXX was I informed that my {$1100.00} payment would not be applied to my available credit for 14-days. If this " policy '' had been stated to me I would have just made two separate smaller payments, each of which would have been immediately applied to my " available '' credit. 

Problem It is dishonest for a financial institution to " hold '' my payment of {$1100.00} for 14-days without proper notification, explanation, or warning. To be clear, for 14-days Care Credit ( Synchrony Financial ) generated interests ( profit ) on my {$1100.00} payment while denying me the benefit of this payment ( adjusting " available '' credit ). Why is Care Credit ( Synchrony Financial ) treating a long time honest customer like a criminal? NOTE : *Credit Limit : {$4500.00} *Current Balance : {$800.00}

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 explanation
Consumer complaint received 2022-05-16
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: Was not notified of investigation status or results

Complaint:
A letter was sent early XX/XX/2015 requesting verification. It has been more than 30 days and no response or update with the status of removing invalidated information reported by this agency/company. Unverified debts being reported by company. Investigation status unknown.

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 2021-02-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX LATE PAYMENT INCORRECT REPORTING. I opened this account in XXXX whenIi moved to XXXX XXXX XXXX # XXXX XXXX, NY. A year later I moved to XXXX XXXX XXXX, XXXX NY XXXX and the following year I moved back to the same apartment ( XXXX XXXX XXXX # XXXX XXXX NY XXXX ) during the process of moving back, the XXXX agent wrongly left the account from XXXX XXXX open instead of forwarding my account to the new address. The agent opened a new secondary account on the XXXX XXXX XXXX address leaving me with two open accounts while continuing sending bills to XXXX XXXX XXXX. XXXX NY XXXX. Late in XXXX of XXXX I discovered through my credit report that I have over {$600.00} collection account open with XXXX, despite me paying my bills. After months of investigation and escalations, finally a manager from the executive department apologized for their mistake and told me that if I pay off a balance of around {$270.00}, they would remove the account from my credit. Here is the case number that pertains to the above information, and to the removal of the verizon account. Escalation Case number : XXXX Unfortunately, after following the managers directions and paying the balance, the account is still being listed on my credit report despite my disputes and XXXX promises. Please remove this XXXX account immediately as it is causing unjustified and unreasonable damages to my credit and to my life. XXXX LATE PAYMENT INCORRECT REPORTING.

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 2015-05-19
Company: Viking Client Services
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/15, Viking Client Services contacted me by mail about a " debt '' of {$670.00} from XXXX Car Rental. I know of no such debt. I contacted XXXX who had never told me about anything like this, and XXXX had no information about it. I wrote on XXXX/XXXX/15 to Viking telling them there was no such debt and asking that they drop it or " obtain a verification of the debt or obtain a copy of a judgment and mail to me a copy of such judgment or verification '' as they had indicated they would do so in their XXXX/XXXX/15 letter. They have not done so or responded in any way. On XXXX/XXXX/15, I received a letter dated XXXX/XXXX/15 again referring to this " debt '' and " offering '' me an initial payment plan of {$50.00} per month for XXXX months. 

This entire approach seems fraudulent, predatory and abusive. They have not provided any information on this " debt '' ( as they indicated they would do XXXX. I worry not so much about me, as about other poor individuals whom they must be approaching with similar tactics : official-looking letters, names of big corporations XXXX like XXXX XXXX, and no back-up or information. Just demands for cash payment for so-called " debts. " I am willing to cooperate with the CFPB or any other agency to help stop these predatory, abusive practices. If there is an attempt to collect a " debt, '' the debt collector should at a minimum be required to describe the so-called " debt '' to the debtor.

Company response to consumer: Closed
Consumer complaint received 2015-03-31
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
online collection brought the bill from XXXX XXXX hospital in XXXX XXXX. so XXXX XXXX hospital already got paid for the bill and trying to get paid again. refuse to give a receipt until you pay each different bill of XXXX keeps putting the bill o XXXX on all XXXX credit reports but they are a collection company. they brought the bill. so XXXX got paid and trying to collect again. my insurance paid the bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: MA
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:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my Equifax and XXXX reports as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00} CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am beyond upset and puzzled with how you CRA 's agencies break the law or have no concern with following the procedure required to report information. I've talked to lawyers ( several ) and I've even studied the metro 2 data rules you are supposed to be following as well. So your own reporting standard is violated and then you also violate the FCRA. I spoke with the courthouse and they told me - they do not verify any information with credit reporting agencies ; thus, you are in violation of the FCRA and the spirit of the law. You are even in violation of your own Metro 2 data  standards. Delete this account from my reprt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX mailed check for {$750.00} for XX/XX/XXXX payment. .. On XX/XX/XXXX mortgage company cashed check for {$450.00}. Ive made numerous calls to mortgage company since XXXX no one can tell me or explain what happened & why. Today I call again an automated payment claims I made a payment on XX/XX/XXXX for {$0.00} & owe {$750.00} for XX/XX/XXXX. 
Please help as someone altered my check & now mortgage company claims I owe the full XXXX payment.

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 2019-02-05
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: Investigation took more than 30 days

Complaint:
The account was opened in XXXX and shouldve been close in XX/XX/XXXX and has still not been removed off of my credit! I demand it be removed off my credit as soon as possible 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 explanation
Consumer complaint received 2021-11-22
Company: World Omni Financial Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Currently in federal litigation with XXXXWORLD OMNI FINANCIAL. Consumer reporting agency transferred me over 5 times after they saw the lawsuit. Company didn't honor cease and desist, company didn't validate information, federal lawsuit was done when inaccurate information was posted to my consumer report without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am Mr. Cooper customer since XXXX/XX/XX/XXXX. 
I had borrowed $ XXXX for my property at XXXX AZ at the rate of 2.75 % for 15 years. Loan Maturity wasXX/XX/XXXX. 
During last 15 days - I had three payments towards principal {$150.00} on XXXX XX/XX/XXXX {$15000.00} on XXXX XX/XX/XXXX and $ XXXX on XXXX XX/XX/XXXX. 

But Mr. Cooper is still showing that my loan maturity as old one. 
When i called Mr. Cooper once - they told me that loan maturity remains the same even when the customer is making payment towards principal. I sent one email also to Mr. Cooper 3 days back. Then i talked to Mr. Cooper on Friday ( XX/XX/XXXX ) -  after talking to escalation teams - they said that they may be  sending me a letter explaining revised remortgage statements. 

Ideally after the payment is realized - Mr. Cooper should revise the online account to show the change - not just reducing the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: WESTERN UNION COMPANY, THE
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Team, On XX/XX/XXXX a fraud transaction attempted in my account with Western union money transfer website. I called them and got the case number : XXXX Transfer Amount / Amount of Transfers : XXXX XXXX Transfer Fees / Charges Transfer : XXXX USD Total : XXXX XXXX Transfer Amount / Amount of Transfers : INR XXXX Western Union company couldn't stop the transfer, so I called XXXX XXXX and set a stop payment. So I did not happen this fraud happen. 
The attached mails have more details about the transaction numbers and recepient account. They tried to create a recipient account with my details only by changing the name little bit. 



Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I fell behind on my credit card obligation and when I was able to catch up, I initiated contact on or about with the Walmart Credit Card department. I was able to pay the entire late payment and bring the account current with the agreement of the agent that the account would remain open and current. I also agreed to initiate direct payments to keep the account paid as required. After the agent took my bank account information and set up the payments, all parties were stratified. However what actually happen was, they closed my account and charged it off and the money that was for payment was never applied towards the account and remains unaccounted for. I have a bank statement proving the payment was made. The charge-off was never disclosed to me and what was reported to the CRAs are false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I could not get a loan. I found out that my credit was low do to this. 
Try to contact the company to see if i could pay on it and they said they sold my acct. to a nother compay, So i want to take it off my credit score. becouse they do not owen it.

Company response to consumer: Closed with explanation