BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit 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:
A few merchants made repeated and fraudulent charges to our credit card account with Capital One Bank. Despite multiple dispute filings, phone calls, letters, and good faith efforts by us, Capital One did not resolve the disputes. They did not Block merchants from making repeated fraudulent charges to our account upon our request, and aided merchants to keep billing more fraudulent charges. 

All the details/documents for these disputes were provided to Capital One in XXXX and XXXX. We have paid all legitimate charges that we made to our account in full to Capital One. Yet they did not remove disputed fraudulent charges from our account, They did not Close our account upon our request. 

When we refused to pay disputed fraudulent charges to our account, Capital One kept adding Late Fees and Interest Charges to our account, We also discovered that Capital One fraudulently charges interest on Paid Balances. This is dishonest and unfair practice by Capital One and must be investigated by US Commerce Dept. and US/CA Dept. of Consumer Affairs. 

Their Customer Service Staff is the worst in the industry, The entire balance ( {$1500.00} ) on our account is in dispute with Capital One. We have decided to never do business with Capital One again. 

Please investigate this matter and report it to US/CA Regulatory Authorities , as appropriate. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Thursday XX/XX/2020 at approximately XXXX I received a call from Bank of America attempting to verify a login attempt, I did not verify if over the phone, hung up and proceeded to check my account. I noticed two fraudulent XXXX transfers from my account totaling about {$1800.00} that were still being processed, I immediately called Bank of America and filed a fraud claim. My old account was locked down and a new checking account was opened where the pre-fraud balance of my old account was transferred over to by Bank of America. I was told that within 10 days I should recieve an initial decision by Bank of America about the fraud and that I would be able to call and have my direct deposit paycheck which was going to be deposited the next day ( XX/XX/2020 ) transferred over to the new account as well. I called the numbered provided by Bank of America on XX/XX/2020 looking to transfer my paycheck over to the new account from the locked account and was told since Bank of America had transferred all of the pre-fraud balance over to the new account the old account had become overdrawn due to the fraudulent charges and I would not be able to get my paycheck funds as they went towards the negative balance, I was told that I would need to wait for the 10 day mark at which point Bank of America would make an initial decision about the fraud and either reimburse me the fraud amount and continue investigation or deny my claim. Today XX/XX/2020 I called Bank of America again to check on the status of the claim as it was well past the 10 business day mark for them to make an initial decision and I had not received any correspondence in any way from Bank of America, in the call I was told that evidently an email had been sent to me on XX/XX/2020 stating that Bank of America had denied my claim since an authentication text had been sent to me and used. I do not remember receiving any such text and when I asked what options were available to me I was told the only thing that could be done was have a request for revision of the case which would essentially be just another claim but with a different analyst and would take another two weeks to have anything done. I have checked every folder on my email account and have no evidence of this email and am overall very dissatisfied with the way Bank of America has handled this fraud claim as I did everything in my power to refute the fraudulent charges and yet Bank of America has done nothing nor do they seem to care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-04-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/23, I was called by a courier to verify my identity so that a law suit subpoena could be served to me. I asked for more information and I was given the name of the suitor as XXXX XXXX and the company 's phone number. I called the number and was transferred to a paralegal. The paralegal informed me that I am being sued because of unpaid credit card debt and that I was going to be served the subpoena. Upon asking for more information, I was given a credit card account that I never had, according to my credit report. The amount was for over {$6000.00}. This was probably the third time they've called in as many years. Previously, I contacted the credit card company to inquire about my apparent debt and they had no record of any accounts for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last two years. my score has gone up almost 100 pts., which I have been so happy about. 
I wrote yall back in XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan officer the letter. I've reached out to the credit reporting company several times to get it removed and the loan officer faxed them the letter also but no luck so far. 

The courts have him paying our XXXX a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XXXX of this month and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number one IT consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

XXXX XXXX  XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX  XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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 items of information, other than records of convictions of crime 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 2023-05-12
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me 2 to 3 times a day, every weekday. They also use different numbers so I can't block them all. Received 3 calls just today, this needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
Product: Debt collection
Sub-product: Rental debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
In 2020, the property management company that managed XXXX XXXX XXXX charged me me for something I didn't agree to after I moved out of the apartment. The company proceed to hand the false debt to a collection company, resulting in a massive drop in my credit score. The collection company 's name is Columbia Debt Recovery LLC, dba Genesis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: ALLY FINANCIAL INC.
State: NJ
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:
On XX/XX/2022 several inquiries were done on my credit report from various financing companies for the purpose of an online vehicle purchase. One of the inquiries was done by XXXX XXXX, also know as XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX. XXXX, TN XXXX XXXX. # XXXX. I call the dealership in the month of XXXX a few times leaving messages for the manager. I have not received a call back after leaving messages. These were fraudulent inquiries, as I never tried to buy car online or had any of these companies run my credit.

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 2022-05-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX. As well as unauthorized hard inquiries that were reported as follows XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX i purchased XXXX gyen on XX/XX/XXXX I purchased XXXX XXXX gyen from the exchange coinbase. After i putchesed i tried to remove XXXX XXXX transaction then XXXX canceled after it went through by coinbase because they had an issue with there system then they locked my account for more then 2 weeks and i lost 75 % of my investment intial investment because of there negligence and then they changed my transaction from XXXX XXXX to XXXX XXXX and XXXX XXXX to XXXX XXXX They stolen millions from us i part of a group 2000+ people they did this to also i have all proof prooving

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

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 inructions 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See document attached

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 2023-12-09
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir and Madam, The reason I am sending this complain regarding a company name : XXXX and XXXX XXXX. 

The first time I ever heard from this company is that I received a debt letter over the mail from them claiming I owe them : {$4600.00} around XX/XX/23. 

I have No Business Relationship with XXXX and XXXX ( lack of standing ) or sign any contract agreement with them. 

They did not provide me proof of the debt including validation notice from the XXXX days of the first contact. 

My understanding is that If the collection agency failed to validate the debt, it is not allowed to continue collecting the debt. 

Please see XXXX XXXX XXXX XXXXXXXX After I reply back to them ( XX/XX/23 ) in the 30 days respond under the law term with a Verification of Debt Request, they provide with some documents with lots of missing/lack information. Here is some of the missing info : 1 ) Failure to respond by not providing all document requested from the Verification of Debt request sent to them via priority mail.

2 ) Did not provide proof of license in the state of NYS to collect Debt 3 ) Did not provide or Tell me when the creditor claims this debt became due and when it became delinquent.

4 ) Identify the date of the last payment made on this account with the original creditor.

5 ) Chain of Titles/Chain of Assignments 6 ) The name of the creditor to whom the debt is currently owed ; the account number used by that creditor, and the amount of the debt.

7 ) The amount and age of the debt, including a copy of the last billing statement with date sent to me by the original creditor.

8 ) Provide me with proof of Good Standing under the laws of New York and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Please see also the enclosed copies of letter from them including the response and the verification debt request sent to them. 

Thank you for your consideration in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
They are stating I have missed payments across a few lenders which is incorrect I have provided proof of on-time payments to each lender specifically.

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 2017-02-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I XXXX XXXX file this notice with the Consumer Financial Protection Bureau as a measure to request a federal consumer advocacy agency to oversee a collection matter I believe to be unfair and technically illegal. I have attached a copy of a XXXX XXXX, 2016 letter whereas I stipulated the legal requirements on any vehicle repossession. I would agree to settle this matter with certified funds of {$1000.00} if Credit Acceptance would essentially communicate with me. They have not answered my letters and I believe that my offer is more than reasonable under the circumstances. However, I am 100 % in the right on the requirements on any vehicle repossession. That is a violation under New York State collection guidelines and the national Fair Debt Collection Practices Act. Accordingly, I offer {$1000.00} certified funds to resolve this matter in the best interest of both parties, and I request that settlement offer in written form as soon as possible.

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