BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 contacted the XXXX credit bureaus after reviewing my credit reports and noticed inaccurate information in my file. There was an address that is inaccurate and upon calling the credit bureaus, I was told that the information had been verified because it was attached to an account ( Capital One ). I then reached out to Capital One only to be told that an account from XXXX with the XXXX XXXX in question had the same information. I assured them that it was impossible because I am a victim of XXXX XXXX and received my current credentials ( including new identification and social in XXXX ), which included my now social so it was impossible for that number to have been used in XXXX. After requesting for proof of the account, I was denied, even after explaining to them that I had documents ( Soc. Sec. card and my statements from them showing my address which they have correct until XXXX of this year. It is my belief and proof ( as I have recorded calls with both the credit bureaus and the company that they merged an account with similar name and attached it to my account and updated it with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Was trying to link my account to XXXX XXXX and it will not connect. It keep saying that you will not verify my account to link with XXXX XXXX. I am losing out on thousands of dollars because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: ID Analytics, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm XXXX XXXX, XXXX and trying to make things happen for my family back home, but I'm getting denied based on information from a company I have never heard of called XXXX XXXX. I've tried contacting them to get information and apply a freeze on my report, their phone automatically goes to a voicemail and they never call back. I've called 86 times and left 86 messages and they won't call back. As I've never heard of them, I refuse to send PII to them over the mail or by fax. They need a working phone number so that I can apply this credit freeze.

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 2023-04-10
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unauthorized transactions were made on my Frost Bank account XX/XX/ totalling {$3800.00} thru XXXX. After XXXX XXXX notified me of suspicious activity in my account with their bank I immediately took actions that day to call Frost and review my account there as well to see if any unauthorized transactions had happened in that bank as well and there were. I called and emailed them that all the transactions made on this day ( XX/XX/ ) were unauthorized. Frost temporarily credited my account. After the claims case the bank decided not to return the fraudulant unauhorized transactions that were made. I would expect that Frost would return my money being that the bank is FDIC ensured. Further Under Regulation E, I would expect them to return my money, being that the charges were unauthorized and I let them know that within hours of the transactions being made. Further, I filed a police report with the XXXX XXXX XXXX XXXX 's REPORT NUMBER : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Tenaglia & Hunt, PA
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous lawsuit. Consumer Financial Protection Bureau Case No ( s ). : XXXX and XXXX are germane.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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 2023-04-10
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
At the beginning of XXXX I received a letter stating that there was a bill that was owed for an address in XXXX Texas under the name of XXXX XXXX from a company that XXXX XXXX took over. I spoke with the company and explain to them that I have not been XXXX XXXX since XXXX and I have never resided at that address that they are claiming I received services at. I filed a police report as I was instructed to do and I provided it to them. That police report number is XXXX. As of XX/XX/XXXX, they proceeded to send the account to collections and that company is Mercantile Adjustment Bureau and included my address that I have lived at since XX/XX/XXXX. I called a second time to let them know that this was not me when they sent me another letter saying that they could not verify my dispute. I have been dealing with this for over a year and it still isnt resolved. It is now reporting on my credit report and they have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Still have not received $ XXXX withdraw made from coinbase through XXXX account. 

XX/XX/XXXX - Withdraw was made at XXXX for {$50000.00} Confirmation email has estimated arrival date XX/XX/XXXX 

XX/XX/XXXX emailed support case # XXXX Other emails sent XX/XX/XXXX amount still not present in account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/2023 submitted a XXXX XXXX police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The XXXX XXXX XXXX verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. I have a Police and FTC report XXXX deleted it, XXXX and Experian still show it I have been passed back and forth between the credit bureaus and XXXX XXXX each of them blame the other this is very frustrating thanks for your help

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 2023-06-04
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection agency never contacted me by mail, nor phone to give me the required 30 days to dispute the debt. They contacted me 2 years after they claimed they received the debt and demanded payment. They would not give me an option to dispute the debt. A representative named XXXX XXXX Contacted me and demanded payment. When I asked about what the debt was, she went on to tell me they called me 18 times and this was the first time they have ever spoken with me. I made her aware that this was the first time I have received a phone call. She again went forth with demanding the payment, I told her I needed to know what the debt was and wanted to dispute it. She said she was going to go ahead and sue me for the debt and hung up. I called back asking to speak with a manager. I was put on hold and told the manager would have to call me back. I told them they needed to pull the recordings from my conversation with XXXX XXXX at XXXX. They gave me a ref # XXXX. The manager did call me back later that day, and soft spoke to me to calm me down from the past conversation with XXXX XXXX. He didn't offer again a chance for me to dispute the debt, and told me XXXX was just doing her job. I told him I was a bill collector for 3 years and I knew the laws of the FPCPA and my rights under the fair debt protection act that I could dispute the debt before any collection process was done, which included putting the debt onto my credit report. XXXX just walked to smooth things over and said that he would not have XXXX call me back for a while. I have still not received anything in writing about this debt. This debt is now appearing on my XXXX and XXXX credit report without my right to first dispute the debt.

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 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My husband had me to go to ATM with him and told me he had to go in for me to pull the cash then told bank that he didn't get his money and I found out that he said someone stole it to get money back XX/XX/XXXXand that is wrong ... I XXXX XXXX also found out that hey bank account closed by telling bank he did not give three checks to put in bank but he knew that he did not tell truth.. bank of America has given him the money twice that I know of now.. I didn't know that he was telling lies until now but I'm in middle of it so start spying on him and his bank accounts and found out that I am right. He is doing fraud by checks and also has my account flagged now I can't get a bank and just started my own online XXXX XXXX and need a bank and him to stop stealing money his name is XXXX XXXXXX/XX/XXXXas number 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 2023-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery in XXXX calls me at least three times a day over a 7-day period. If I do not answer, they will call from a different number. I have asked to stop the repeated phone calls as I work and they are constantly calling. For the past week, I have received three phone calls a day from Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The calls were from XXXX. The name I was given was XXXX XXXX. They were starting they working with the XXXX district attorneys office and have issued subpoenas and have warrants for my arrest for a unpaid debt for toll roads. I did get suckered into paying over {$400.00} dollars to XXXX that I will have to dispute with my bank. They were extremely aggressive and were pretending to be part of the XXXX Police department as well. I was finally able to get in touch with one of the XXXX detectives and he was able to run my background ( found nothing ) and then attempted to contact these scammers and they would not talk to him and started to hide and not answer their calls or mine. They did have a lot of information about me but they had all my old info from prior to my move.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 2023-12-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, equifax and XXXX all have my personal info wrong and that can possibly result in INACCURATE credit reporting. I need my personal info updated between all XXXX agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Cedars Business Services, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX ( XXXX XX/XX/2021 ) I got contacted by Cedars Business Services via telephone and email. They were trying to collect a debt owed to XXXX. My account with XXXX is up to date and XXXX says I owe them no money and they don't use Cedars to collect debt. XXXX encouraged me to report this as a fraudulent claim. Yet XXXX continued to insist that I had this mysterious debt, and she grew nastier towards me the longer I talked with her. I just want Cedars Business Services, a debt collection service, to respect the truth, that I owe XXXX no money, and leave me alone. They act like vultures, but there's no debt owed in this case. This company has been in business for 24 years, according to the XXXX, so they should know better than to try to collect from people that owe nothing. This company appears to be nothing more than a bunch of scammers hoping to harass people into paying off bogus claims of debt. They should be ashamed, but based on their behavior and the number of complaints against them, I know they aren't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-04
Company: EQUIFAX, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
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 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 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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
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:
n accordance with the Fair Credit Reporting Act XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX noticed so fraud accounts and authorized inquiries on my credit reports. 

Accounts XXXX. XXXX XXXX {$700.00} XXXX. XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$890.00} XXXX. XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$7000.00}

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 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received pre-approved letter for auto financing from CapitalOne. Im this letter that state I would have a limit ranging from {$4000.00} to {$35000.00}. Pursuant To Title 12 U.S. Code 84 banks and financial institutions that are part of the XXXX XXXX  XXXX has not LIMITS ON EXTENSION OF CREDIT BASED OFF OF SOME ONE SURPLUS OR CAPITAL. CapitalOne is also advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 
Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.

My income pay stub and capital/surplus is not a factor is this Consumer Credit Transaction. I also have my 4th amendment right Which states that I have the right to be secured and my security interests is my right to be secured!

Company response to consumer: Closed with explanation