BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of XXXX I visited a gas station ( XXXX ) in XXXX. I was in a rented car on the way to the airport. Long story short there is a scam ring operating out of this XXXX station and other stations as well. They are good at what they do and there are many stories online about how they have scammed hundreds of tourists. The scam is they tell you the credit card machine is not working very well and tell you it may work and they take your card to try. The pump runs slow ( on purpose ) and they ask if the tank is full. It is not so you say no. They then clear the pump and now the original transaction is cleared. My daughter and I were already suspicious of how this was going down so she photographed the pump. The attendant then starts the pump again and in most cases they add the 2 transactions together adding on an amount that is not true. You have no way to know as the original transaction is cleared. Since they knew we took a picture and were suspicious I believe we paid close to the correct amount for our gas -- {$60.00}. However, prior to paying cash for the gas they bring a credit card machine to your car door and swipe the card. The machine does not work so they ask for cash. As the gas is pumping and the person has your card they run a transaction on a square or similar on their cell phone. Within minutes of driving off from the station I received a text from Capital One asking me if I charged {$1000.00}. I immediately replied that I did not. When I arrived home after landing I called the Capital One Fraud team and explained what happened and thanked them for catching the charge so quickly. Little did I know I would be fighting Capital One 6 months later on this same charge. The scamming vendor who charged sent in a fake invoice with a signature on it. The signature is a forge and I have supplied my signature 3 times to Capital One. The name on the fake invoice is XXXX XXXX which I have no idea who they are. Researching online I believe they may be a restaurant in XXXX  XXXX which I have never been to. The charge is not from XXXX. I have spent countless hours on the phone with Capital One and sent XXXX pages of documentation with numerous stories written by tourists who were scammed. I will continue to fight this fraudulent activity and if you can help it would be great. I see online many banks have stood behind their cardholders who experienced the exact same situation and I am so disappointed that Capital One does not stand behind cardholders at all as I have been using the cards for many years. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Out of the blue I started receiving calls from an unknown number, I called them To find out it is about a credit card debt. I have found out It is my elderly mothers card that I am on and is to be used for Emergency use only. OUR CARDS HAVE AN EXP. OF XXXX! 
My mom said there is No Way SHE has So much charged, We believe a family member got the card and caused this! 
NO ONE WILL TALK TO US AND PROVIDE A LIST OF WHERE THE CHARGES CAME FROM AND WHEN!! We are ALWAYS HUNG UP ON!, And ALL THE COLLECTOR SAYS IS I WANT PAID!, AND ALSO SAID THERE WAS ANOTHER CHARGE AS OF A XXXX DATE? BUT WILL NOT GIVE ANY INFO AND HOW CAN THAT BE WHEN OUR CARDS HAVE EXPIRED?? I NEED SOMEONE TO HELP GIVE ME ANSWERS TO HELP MY MOTHER GET THIS RESOLVED!!

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 2024-01-02
Company: Radius Global Solutions LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have responded to this companys debt collection and ask d them to validate band provide any evidence of indebtedness to which they have a signed contract with me. They have failed to respond and/or furnish any evidence. They have violated my consumer rights and civil rights by making false and negligent claims against my public consumer report. Therefore, I am seeking compensation from Radius Global Solutions. The fact they are third party debt collectors I have not granted or given away any of me permission for public disclosure of my financial information. I dont owe any debt nor am I responsible for payment of any alleged debt owed. 

I want them to remove all reporting in regards to this account 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 explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: TX
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 company keeps reporting 99 days late with a loan from XXXX. I am not late and the accounts are paid in full. I disputed the information on the report and they still keep reporting false information. I have proof the accounts are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NC
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UT XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
misleaded my minimum payment amount from the very beginning! The company has audio recordings of my conversations where I asked to changed the minimum payment balance and they did say it has reduced. BUT now they are acting as if that conversation never happened. 

now they refuse to speak to me when I confronted them about this. They even admitted that it was their mistake and profusely apologized. I asked to speak to their senior manager and they told me to wait and apparently hung my line. 

Now they don't pick up. they put my number on a XXXX list. I have not seen this level of scamming and arrogance in any lending company that operates in the USA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am writing to address the matter concerning an account ending in XXXX, for which Synchrony Bank claims I owe {$1700.00}. I hereby formally dispute the entire amount of {$1700.00} due to the violation of my consumer rights, specifically the misinformation and misrepresentation of information related to the balance owed and the promotional end date. These actions were undertaken with the intent to lure me as a consumer and transition the account into a predatory lending status, to maximize their financial gain from me as a consumer to terms that they manipulated to provide. 

I request the removal of the aforementioned amount and consider it paid in full, without any derogatory comments. This request is based on the fact that the promotional end date was not comprehensively provided to me upon the request of my XX/XX/XXXX statement, hindering my ability to be comprehensively informed to make a full payment. The attached statement, obtained from Synchrony Bank when I requested my XX/XX/XXXX statement, highlights several instances of incorrect information and misinformation provided by the bank : 1. Synchrony Bank incorrectly acknowledged my request for a XXXX billing statement instead of the requested XX/XX/XXXX statement 2. Synchrony Bank claimed an inability to provide a statement for the specified period 3. Synchrony Bank falsely stated that my account had a XXXX balance and no statement was generated during that time The aforementioned errors, misinformation, and misrepresentation of my account 's status form the basis for my dispute and request for corrective action. 
Key points of contention include : XX/XX/XXXX : The month of account initiation, where the statement should have reflected the full initial purchase amount of {$2000.00} further proven SyncBank misinformation XX/XX/XXXX Statement Request : Synchrony Bank failed to provide the requested statement, hindering me from being fully informed about the promotional balance due by XX/XX/XXXX ; this not only hindered my process to pay but it delayed the process and pushed the date past its due date as I requested a second time XXXX Balance and No Statement : Misleadingly indicated a XXXX balance, creating a false impression of no outstanding balance due what-so-ever The manipulation and misrepresentation of my account have caused significant distress. Despite my efforts to obtain accurate information, Synchrony Bank has failed to cooperate, violating my consumer rights under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and relevant state laws.

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 2021-10-12
Company: CCS Financial Services, 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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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: Personal information incorrect

Complaint:
I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 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 explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: GA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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, 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 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 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I tried to modify my home thru bank of america but they never responded with a yes or now. They took the home breaking federal law by not responded. I havea lawyer now and a lawsuit might be in the works

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 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
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 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 explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: Colony Brands, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called Montgomery Wards as soon as I recieved a fraudulent bill for a credit card and told them this was not my bill. I have never applied for a Montgomery Wards account nor did I think they were even in business any longer, They continue to send me statements wanting money. They have not done anything but want money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2022-03-15
Company: U.S. BANCORP
State: WI
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:
" IDENTITY THEF '' XXXX  XXXX, is on my credit report and I, never had a credit card from this institution. 
Dates : ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX, is on my credit report also and I, never filed for a loan/ Date : XX/XX/XXXX XXXX XXXX  XXXX ( AUTO ) Date : XX/XX/XXXX XXXX BANK Is on my credit report and i never used their bank. Date : XX/XX/XXXX XXXX XXXX ( FINANCE ) Date : XX/XX/XXXX All of this is on my credit report and I, don't know how.

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 2023-04-15
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
there are multiple bank accounts that were opened with several financial institutions that are stemming from identity theft these accounts are being reported on my consumer reports with early warning and XXXX XXXX these reports are inaccurate and in violation of my consumer rights and fcra policies ive hired a legal team to persue legal action for several violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: TX
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: FIRST NATIONAL BANK OF OMAHA
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: Account status incorrect

Complaint:
Accounts from XXXX XXXX XXXX XXXX  all show remarks that the account is managed by a debt counciling service. It is not longer managed by them as the account is paid off and the account is closed and paid as agreed.

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 2023-06-12
Company: EQUIFAX, INC.
State: MO
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 explanation