BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Capital one continues to try to charge me for for charges I did not make. When you tell them the charge they issue a credit then take the credit back the next day. They do no investigation whatsoever. Which is more and more striking as fraud. No credit card company does this. I spike to one of the venders who admitted the errors and apologized, yet capital one is taking back the credits they issued and will see the credit coming back from the venders who recognize the errors.This in itself says something is wrong with capital one. I have no intention of using their card services again ever after this is resolved.

It's one thing for the consumer to say fraud occurred and there to be no proof, but for fraud to occur and a vender admits to it after capital one cited the transaction was accurate, says that Capital one credit is not following federal regulations.

I have attached all the letters from then, in the past 6 days, I've seen them do this so many times, that I want nothing to do with them.

Its ridiculous, there is one from XXXX where uhaul admitted they did not have the machine booked online. charged anyway, then I contacted Capital one, they credited the account then took the credit back, citing as shown they found no dispute or fraud that the charge was valid, yet uhaul admitted they did not have the machine and credited the account back. 

Capital one is engaging in consumer fraud.If the vender admits after the credit was removed it means capital one never investigated anything, and I've seen this too many times with capital one. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Intent to file lawsuit, HIPAA Privacy Violation 2nd Request for Validation of Debt : { FOCUS FINANCIAL SERVIC } Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency and I haven't received validation of the debt { FOCUS FINANCIAL SERVIC } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the collection agency and credit bureau for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Please REMOVE this debt or properly provide VALIDATION and proof that my HIPPA Rights were not violated : Please send me the following items within 15 days : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am seeking remedy and compensation for my previous home at XXXX XXXX XXXX XXXX, FL. XXXX, from Wells Fargo {$2.00} XXXX dollar settlement under Consumer Financial Protection Bureau. 

I had applied for a loan modification for my home with XXXX XXXX XXXX and Wells Fargo Bank and was denied. My attorney filed a complaint with Consumer Financial Protection Bureau, which is the attachment provided. I am a consumer that was harmed by Wells Fargo Bank for illegal activity and wrongful foreclosure of an auction sale of my previous property on XX/XX/2019. 

Please review my compliant, because I think I am eligible for a payment in the settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I've tried to resolve this issue with BANK of America NA concerning a conventional mortgage originated by XXXX  XXXX XXXX that said loan was pooled into a asset backed security called XXXX XXXX XXXX Certificates XXXX XXXX. This was not disclosed by XXXX  or Bank of America NA.

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 2023-04-05
Company: United PanAm Financial Corp.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX United Auto Credit Co has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a formal dispute with the Consumer Financial Protection Bureau regarding a series of violations I have encountered under the Fair Credit Reporting Act ( FCRA ). These violations pertain to unauthorized inquiries, inaccurately reported accounts, and the overall integrity of my credit report. 

As a law-abiding citizen, I take my financial responsibilities seriously and strive to maintain a good credit standing. Unfortunately, the recent incidents involving unauthorized inquiries and unverified accounts have deeply impacted my financial stability and emotional well-being. 

The unauthorized inquiry by XXXX on XX/XX/XXXX, as well as the unauthorized inquiry by XXXX XXXX on XX/XX/XXXX, have caused significant distress. I have no recollection of authorizing these credit pulls, which raises concerns about the security of my personal information and the respect for my consent. 

Moreover, I have discovered several inaccuracies and questionable accounts on my credit report, including the following : XXXX XXXX  - Account Number : XXXX XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XXXX These accounts are either unrecognizable to me or have unclear information associated with them. The lack of accurate reporting has not only damaged my creditworthiness but also caused unwarranted stress and frustration. I firmly believe that these violations not only undermine my financial stability but also violate my rights as a consumer. 

[ Share your personal story here. Describe how the unauthorized inquiries and inaccurate accounts have impacted your life emotionally, financially, and potentially even socially. Be specific and share details to create an emotional connection. ] Given these violations, I kindly request the Consumer Financial Protection Bureau to enforce the legal protections afforded to me under the Fair Credit Reporting Act. I am seeking a resolution that ensures the removal of these unauthorized inquiries and unverified accounts from my credit report. 

I implore you to take swift and decisive action in this matter to rectify the violations and restore the integrity of my credit report. I am committed to responsible financial behavior and deserve the peace of mind that comes with accurate and truthful credit reporting. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will act in the best interest of consumers and uphold the principles of fairness and justice. 

Sincerely, 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 2023-02-05
Company: Experian Information Solutions 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:
You recently stated you did an investigation on information being accurate and just updated the information, but my dispute was about the UNLAWFUL VIOLATIONS THAT HAVE BEEN ALLOWED ON MY CREDIT! This is my last attempt before moving forward with my attorney on filing suit. This is to report the inaccuracies and violations that are on my report, which are grounds for IMMEDIATE DELETION! 
XXXX XXXX  XXXX ) it is AGAINST THE LAW TO REPORT A CHARGE OFF MONTHLY VIOLATION OF 623-15 U.S.C 1681s-2 Duty to provide notice of delinquency of accounts ( No later than 90 days After the furnishing information, notify the agency of the date of delinquency on the account the month in the year. 
XXXX ) the IRS CONSIDERS a Charge off as GROSS OR ORDINARY INCOME, So why is this on the credit report? I have not received a 1099C.? Violation of 15 USC 1681 ACCURACY AND FAIRNESS 3 ) This company has failed To protect my information VIOLATION 15 USC 6801 PROTECTION OF NONPUBLIC INFORMATION 4 ) They are also reporting a past due amount that is higher than the highest balance that is also an accurate reporting, which is also a violation because according to the FCRA everything report, it needs to be 100 % accurate Which are also grounds for dilation 5 ) Another violation is this company is showing that payments were made and then theyre stating that no payments were made and that I owe the full amount of 1756 how is that so if payments were made? They are not reporting correct payments, that is also Not fair and in accurate, Which are also grounds for a deletion 6 ) VIOLATION OF 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLOSE PERSONAL INFORMATION, Which means in accuracy is also grounds for deletion 7 ) also, how can this information be accurately verified when my name is incorrectly spelled in the wrong address is on file, and Ive called on multiple occasions, trying to correct this. Ive also while mailing disputes have sent copies of my drivers license my name should B displayed on my credit report as it is on my drivers license not using a middle initial that is not my name my mother and I have the Exact same first name and if youre using a middle initial, we have the exact same middle initial so our information has been messed up in the past. This is also an accurate 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 2021-05-27
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I was the victim of a telephone phishing scam involving my Citibank account. Over {$2500.00} was unlawfully taken from my account. When I became suspicious, I immediately contacted Citibank about the incident on the same day. On XX/XX/2021, Citibank sent out an email to its customers warning of the scam. After multiple correspondences via phone and mail, Citibank is denying any accountability. I recently sent them a letter XXXX please, see attached ), providing a list of issues that they have not addressed, including Reg E and my XXXX grand larceny report ( please see attached ). Under Reg E, a set of regulations issued by the Federal Reserve that governs all manner of electronic transactions, consumers are offered protections even when they make mistakes, such as responding to a phishers scam. Why should banks be bailed out when they are defrauded, but their customers are not?

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-03-04
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with Coinbase and things seemed okay for almost a week. Then with no explanation, my account access was blocked, and I can not log in. 

I have sent 6 emails, asking for help, and I received one automated email saying they were looking at the cause of the problem. I sent a follow-up email asking for an update, and received a reply saying the case was closed. - However, my account is still locked. 

I opened another case via email, and received the same reply that the problem was going to be reviewed. I have sent 3 additional emails asking for an update, but now I get no reply 's at all. 

At first, I thought perhaps their system was having a problem, but with the lack of customer notification and contact, it is my sincere belief that they allow an account to be opened, and then they freeze the account after crypto positions are purchased, perhaps to ensure the positions can not be sold as the market drives their value lower. 

In one of my emails, I asked they either unfreeze my account, or sell the holdings and send me the proceeds. ( Again no response at all XXXX This company has no customer support by phone, except to report fraud on your account, which causes the account to be shut down. - No one will speak with me. 
At this point, I believe I have been scammed out of nearly {$600.00}. 

Any help you could provide would be most appreciated. I am not unreasonable - If someone from Coinbase could at least explain what the problem or issue is, maybe I would not be feeling like they are a scam company that needs to be investigated. 

My account has been un-accessible Since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reviewed a current copy of my credit report and show incorrect information listed. Account name is XXXX XXXX account number is XXXX. This account has never been paid late and is reporting late payments on account and I attempted to have account reviewd with no reply and past more that 98 days. Please delete this 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Experian Information Solutions 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 explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature.

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 2022-03-07
Company: EQUIFAX, 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation