BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have severe health issues and use a lower limit ( Capital One ) Card for my son to order his meals and for a few auto-payments. My son had this card attached to his XXXX account and one of his online friends guessed his password and began using my card to " gift '' XXXX credits. I have never used this card for XXXX purchases and the charges to XXXX began last XXXX and increased in size and frequency. my son makes a lot of small purchases from XXXX XXXX  and I never saw anything other than that when I'd look at the last few purchases from time to time. 
I paid off a XXXX balance last month not realizing that thousands were from fraudulent XXXX purchases. Finally the card got declined and only then did Capitol One reach out to me ( while I was also realizing something was wrong ) at the very end saying there's suspicious activity. 
I explained my health situation ( I have full body Type XXXX XXXX also known as " the XXXX XXXX '' ) I am in constant treatments and often my discomfort and pain is too high for me to read or drive or even talk. I told them about my health situation. I also stressed that by XXXX it would be clear to ANYONE ( the charges began in XXXX ) looking at my statement that there were increasing amounts ( $ XXXX per week ) and I didn't get any alert for this. The total amount taken from me was {$8200.00}. I am being told that they will only reimburse the fraud from the last 120 days so that leaves thousands that I don't get back. 
It is mind boggling that SO many increasingly large charges FROM the same vendor in INCREASING frequency didn't prompt an alert from Capital One. I never have this issue with XXXX XXXX and had this been my XXXX XXXX I would've been notified in plenty of time to catch this. 
When fraud is this clear the Credit Card companies should be liable for their own lack of basic fraud protection to customers. I believe they were negligent as {$300.00} per week spiraled into {$1000.00} and STILL NO alert. Now because of my health issues I have no way to get three months of fraudulent charges back. The frequency and amount were clear indications of fraud. Capitol One has a fiduciary duty to protect me from fraud and they failed but I have to pay. They will never get my business again. Fraud protection should be mandated to at least catch these OBVIOUS EGREGIOUS patterns, and not everyone is able to be vigilant over every account at all times... .while fighting for their life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
Company: DISCOVER BANK
State: MO
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:
I had an open case with Discover because of adispute and while so, Discover was supposed to refrain from charging interest. They charged interest before a decision was made on the dispute.First concern is the interest on the account. On XXXX Discover charged me $ XXXX on a statement ending XX/XX/2023, their decision on thedispute wasn't made until XX/XX/XXXX ( that I was responsible for charges incurred while being literally held up by scammers. I was threatened to purchase gift cards & then read the numbers ) XXXX, XXXX XXXX from the executive office of Discover financial services, stated in her letter dated XX/XX/2023 that quote, " We try to detect scams and decline any potential scam transactions or alertconsumers to potential scams before they occur. " Discover should take responsibility and be accountable for what happened to me because of the lack of scam detection. 
Discover is supposed to decline unusual transactions. Discover should have declined the transactions on a card that belonged to someone that historically does notcharge that large amount of money and in fact, about the same amount is put on thecard every month. I use Discover card mostly for monthly billing accounts and groceries. I pay the Discover bill in full every month. Discover should have declined the transaction when10 gift cards for {$500.00} apiece were being purchased. XXXX XXXXXXXX store in another town would only give me one {$500.00} gift card. I asked him why and he told me because it couldbe a possible gift card scam. He was aware of gift card scams. Had the XXXX store done the same, I would only be out the XXXX gift card. 
I have done some research and found that Discover is aware of gift card scams. When XXXX {$500.00} gift cards are purchased, on a card that does not charge that large amount, a credit card issuer who is aware of such a scam should have questioned the transaction, declinedit. 
I should not be held entirely responsible for this loss of money. 

XXXX made XXXX {$500.00} gift cards for me with neither XXXX or Discover questioning thetransaction. After XXXX, I got scared and didn't want to do it anymore. The amount of money made me mentally & physically sick. The XXXX store was local, it was raining, I was wet and inmy pajamas. I had been crying for hours and no one seemed to notice. 

I am requesting to speak to XXXX XXXX ' superior, please. I would like to get this resolved without Discover just washing their hands of this and it going away. Unfortunately, it won't just go away for me struggling to make payments & interest on {$6000.00}. I am on {$1200.00} SS, {$400.00} pension. I had XXXX and then a XXXX. My son lives with me and he is on XXXX. I just had to charge {$1200.00} to get my car fixed after weeks of waiting. How do they think this is going away. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-07
Company: Experian Information Solutions Inc.
State: AL
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:
I have asked the credit bureaus to do a thorough investigation of accounts on my credit report that have been reported inaccurately. I have not received any verification or the information that I ask for in which would allow them to provide and report the information they have listed. 

They sent correspondence back saying that those accounts have been verified. How were they accounts verified and the information is still being reported inaccurately. The accounts that have been continuously being reported inaccurately are listed below : XXXX XXXX XXXX # XXXX - Reporting Incorrectly In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 I read that it also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-09
Company: Partnerships & Investments, LLC
State: PR
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:
American Leading Finance Car Loan Account has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Dear CFPB Officer, I am writing to dispute several unauthorized hard inquiries on my credit report that I do not recognize. The following inquiries should be removed from my report : XXXX XXXX ( miscellaneous ) on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/2022 XXXX  XXXX on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) sections 611, 609, 605B, and 616, I have the right to dispute inaccurate, incomplete, or outdated information on my credit report. However, I have experienced significant difficulties in attempting to resolve this matter with the credit bureaus. I have been unable to get a timely response to my letters or phone calls, and have even been hung up on due to a difference in dialect. 

I request that these inquiries be promptly removed from my credit report, and that the credit bureaus provide me with a written report of their investigation. Additionally, I request that the credit bureaus take immediate steps to address their customer service practices and ensure that they are able to communicate effectively with all consumers, regardless of their accent or dialect. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2022-11-17
Company: EQUIFAX, INC.
State: IN
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 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 2023-06-12
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX. Account name : XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX, XXXX # XXXX account name : XXXX, XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 an 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

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 2023-03-04
Company: EQUIFAX, INC.
State: FL
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:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 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 Inquiry date : XXXX XXXX XXXX  XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: NY
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 ask them to fix these problems listed below. Please note that this is factual information take directly from credit report and these are blatant inaccuracies. 

This is My Name XXXX XXXX. XXXX all of the other Names you list on my report are wrong. Please Delete ALL Names except For XXXX XXXX. XXXX. I Have attached my ID with my Correct Name, please delete any Names that does not match this one above. 

This is My Address XXXX XXXX XXXX XXXX, NY XXXX all of the other Addresses you list on my credit report are wrong. Please Delete all addresses Below except For XXXX XXXX XXXX XXXX, NY XXXX. I Have attached my ID with my Correct address, please delete any address that does not match this one above. 

Current Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XXXX Delete this for inaccurate Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Delete this for Inaccurate FCRA 15 U.S.C 1681 states Consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by CRAs I let you know that the this information on my consumer credit report is Inaccurate and must be deleted. 

Experian Respond that my personal information Does not impact your score at all. I did not ask if it impact my score, I AM SAYING THAT THIS IS INACCURATE. 

It is the job of the Experian to report accurate.

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 2023-10-12
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to contact this company in regard to this debt not being accurate. They have attempted to collect on this debt fraudulently when another debt collection agency had already had the debt. They opened this account and the debt was paid to the original debt collection agency, XXXX XXXX This company that is attempting to collect the inaccurate debt is claiming my account has been transferred to a lawyers office, and they will sue me if payment is not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notice XXXX XXXX from Barclays of account been closed stating delinquency and revolving balances too high. There source of reference was a independent consumer reporting agency. Which credit reporting agency was not disclosed in the notice. This is also a violation of 15 U.S. Code 1681 ( a ) ( 4 ) a right to privacy and 15 U.S. Code 1681 ( a ) ( 2, disclosure of account information without my instructions.

This adverse action of withholding my rights to credit is discrimination, Securities fraud, violation of the Equal Opportunity Credit & Consumer Credit Protection Acts, RICO Act violation, engaging in dishonest and fraudulent business dealing involving my Securities account. Please rescind my original credit application on record and all associated Securities collateral.

I will file the following IRS and Treasury forms 1099-A, 1099-OID, FS 1048 and SF 95 for recoupment and file charges with the Securities Exchange Commission, for violation of 18 U.S. Code 1349. Section 10 ( b ) of the Securities Exchange Act of 1934, Material Misrepresentation or Omission.

In reviewing the Barclays Form 424 ( b ) ( 5 ) prospectus, Indenture Trustee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that deals with debt securities it is in Barclays to close my account and refuse my tender to maintain the debt ( Receivables ). 
Receivables means all amounts shown on the servicers records as amounts payable by an obligor on any account from time to time, including amounts payable for XXXX XXXX XXXX XXXX XXXX XXXX Receivables that become Defaulted Receivables will cease to be included as Receivables as of the day on which they become Defaulted Receivables. For purposes of the FDIC Rule and GAAP, Receivables are financial assets ( XXXX XXXX I am aware you are trading my securities as a XXXX XXXX XXXX XXXX XXXX XXXX, with the indenture trustee as the nominee with XXXX XXXX XXXX with Barclays acting as the beneficial owner.

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