BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for a free subscription with Experian. 
However, after trying to cancel the subscription because I wasnt satisfied with the services and also because it was advertised that i would be able to cancel anytime free of charge, I was unable to because Experian locked me out of my account stating that i will not be able to get back into my account or view my credit report unless I pay the subscription. 
This is clearly a violation of my consumer rights and is also fraud & deceiving.

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 2022-04-20
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/22 and XX/XX/22 i attempted to make purchases online with my Current debit card through a company named XXXX. On XX/XX/22 i attempted a purchase for {$50.00} USD and on XX/XX/22 for {$250.00} but each transaction was declined for unknown reasons. I noted that although my purchase was declined, my account showed those purchase amounts as pending and those funds were deducted from my available balance. 
I spoke with XXXX via chat support and although they did admit to authorizing but ultimately declining the transactions Im question, they also stated that they had immediately cancelled those authorizations, which even in the worst cases, would not take more than 1-3 days for those funds to become available again in my account. XXXX even went as far as giving me the authorization code to give to Current, so that Current support staff could see that XXXX cancelled their request for an authorization/hold of any funds from my account and should feel safe to release those funds back to me. 
I have contacted Current via chat support about ten times since XX/XX/22 and have spent hours of my time attempting to reclaim my money which still sits as pending and unavailable in my account. Current continues to regurgitate the same autoresponses to me, mostly stating that they have a right to hold my funds for 7-10 business days, even though this hold causes a severe financial hardship on me, and continues a long time after the merchant has already confirmed that they no longer need those funds to be held by Current. 
I have {$2.00} available in my account and {$300.00} being held by these authorization/pending charges, which has put me in severe financial distress, as I have no money for food, gasoline, or any other basic need I had intended to use those held funds with Current remains steadfast with their lack of empathy or moral compass and do not see any need to release my funds back to me until XX/XX/22, XXXX full weeks beyond what they and I know was actually necessary. I, my girlfriend, and my cat XXXX wake up hungry every day because Current employees apparently enjoying hearing of others suffering, or are teaching me a lesson because I opened an unrelated transaction dispute around the same time or because I became frustrated and irate with their managers when I could get them on chat support. 
The merchant has done everything they can to try and assist me in getting my funds released but Current will not budge on their stance in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called customer service to have an item purchased by mistake on my Bank of America credit card cancelled, and they took the liberty of stopping my credit card without my permission. I had spent my own money to customize my credit card and now I can't use it because of their self-righteous decision. I am trying to claim the cost of the XXXX XXXX  XXXX card, but the XXXX direct team is forcing me to call them anyway with the excuse that they need my account number information, when all I need to do is send them a check. ( Of course I have not been reimbursed. ) This attitude by Bank of America has been going on for years and I would like to file a class action lawsuit because I am sure there are others out there who have suffered the same thing.Please instruct them to change their coercive and bureaucratic attitude toward their customers and promptly refund the amount of damage I have suffered, {$160.00}. Thank you in advance.

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 2023-05-30
Company: AMERICAN EXPRESS COMPANY
State: CA
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 write in response to a fraudulent American Express account that was opened using my name and social security number. I discovered this account on or about XX/XX/2023 when I went to lease a new vehicle. The dealership ran my credit report and informed me that an American Express card was adversely impacting my credit. I immediately called American Express to file a fraudulent application / account report. I was informed that I would receive correspondence confirming that the account was closed, canceled and removed from my credit report. I did not receive any such correspondence. When I called to follow up on the status of this matter, I was informed that my claim was denied and that I would be responsible for this account because a valid payment had been made on the account. I have never applied for nor had any American Express account. I do not know who made a payment on this account or that if the payment was valid or not. I am hereby demanding that American Express comply with its obligations under the FCRA and to remove this account from my credit report immediately otherwise I will no choice but to proceed with legal action. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: WA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-04-07
Company: Bread Financial Holdings, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: PA
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 have been noticing suspect emails and activity on my credit report and bank accounts. I was exposed in several data breaches that resulted in my personal information being taken by scammers. I am now positive that someone has been using my information to open accounts and or make changes to existing accounts. After reviewing my report I noticed several fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: MoneyLion 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:
You, MONEYLION INC # XXXX, Inc must be a Third-Party DebtCollector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURESTATEMENT and return within 15 days. Failure to respond with the completed CREDITORDISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the penalties of Perjury and verified by your affidavit, you, MONEYLION INC # XXXX, Inc are agreeing to your Commercial Dishonor, exhausting My AdministrativeRemedies. I will accept your Silence as an Acceptance, and your agreement that a Default entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to MONEYLION INC # XXXX, Inc to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with MONEYLION INC # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is showing me two different versions of my credit report. I ordered a 7-day trial of the Equifax XXXX XXXX XXXX which shows me all three bureau reports and scores. I have attached images of what the 3-bureau report is showing me for inquiries, addresses and several other accounts. I then attached images of what the stand-alone Equifax report is showing me for inquiries, addresses and other accounts. This falsification / misconception is preventing me from knowing the truth about my credit report, and if it is not corrected to my specifications, I will litigate in arbitration AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a {$20000.00} deposit from XXXX XXXX for the XXXX XXXX XXXX. On XX/XX/XXXX I went inside the branch to withdraw {$10000.00} the teller discriminated and initiated a fraud alert on my account by contacting the back end office. 

I was told at that time in order for me to receive my funds I would have to email the fraud dept. a copy of my article of incorporation and taxes. On XX/XX/XXXX I provided by email a copy of my office lease, current business phone bill, merchant account billing statement, XXXX & XXXX tax returns, a purchase order statement, and checks cashed by Capital One on my behalf from the business because I write myself checks every week. 

All my accounts were restricted and I was not allowed to withdraw any funds which was totally illegal, at that time Capital One could have exercised their at will ability to close the other accounts but should have NEVER not allowed me access to the other accounts. 

I was told that someone would investigate the documents and get back to me. On XX/XX/XXXX I called to follow up and have being done so ever since by calling and stopping into the branch and no one has been able to assist me. The teller says they can not verify my documents or touch my account because the case has been assigned to an investigator who clearly isn't doing much investigating. 

On XX/XX/XXXX Capital One accepted the 2nd draw of my XXXX loan although they have informed me several times that the account was closed. They should have rejected the deposit, but instead they accepted the deposit and still has me restricted to access my funds. 

Everything that Capital One is doing is illegal. I am legitimate business owner and I get that there are people taking advantage of this loan but there should be measure put in place to investigate and release the funds to consumers and business owners like myself who pay taxes and deserve this relief!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Do not call me with no answers. 

You are about as negligent ( cause of action ) a servicer as I've ever witnessed. 

I sent you certified mailing requesting specific and particular responses and items. 

The audacity of you to simply call with no answers just trying to eliminate a problem then send a password protected message with no password. 

I'm tired of wasting my time with you. Now you need an attorney, and the first two causes of action are and will be Negligence and Breach of Fiduciary duty as well as violations of the XXXX. If Florida Corporations must be represented by counsel in a court of competent jurisdiction. One such bank thought like you and yesterday their CEOChairman stepped down. So let XXXX XXXX know I'm on the way. 

You don't even speak proper English why did you waste my time even ringing my phone with nothing to say. XXXX and XXXX 's as well as XXXX  require answers or they are actionable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I sent 2 request one certified and 1 email requested verification of an account, I also sent documentation of the request to all major credit reporting agency. After 45 days and no response from creditor, but getting notified by credit agency that my dispute was complete and verified as accurate, I filed a complaint with you CFPB the complaint was against the creditor reporting the debt and the creditors all 3 majors. I received response that the company was still working on my concern/complaint that was on XX/XX/XXXX, after speaking with someone at CFPB I was advised that my complaint would be sent over to the FTC for further action. I have submitted over 4 additional disputes in addition to the disputes submitted before I file the complaint, I have still not heard back for the creditor but all the creditor reports have been updated except for XXXX. The creditor held this account for almost 5 months and would not speak with me, the joint applicant filed bankruptcy but we were legally no longer together but I discovered the account was in bankruptcy via my credit report the refuse the balance that was on the account at the time of joint applicants bankruptcy but demanded the added additional fees, change the account type, dates and status several times. removed the joint applicant from the account and made it individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Genesis FS Card Services, Inc.
State: CA
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 my XXXX and XXXX credit reports I have had 4 hard inquiries from two different companies. Both companies inquired on XX/XX/XXXX  and again on XX/XX/ these were not requested by myself. The listed phone number for FEBDESTINY has been disconnected, and the number for CB INDIGO only asks that i input my SSN # The hard inquiries were from the following companies/individuals. 

FEBDESTINY Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual CB INDIGO Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Please let me know what the next step is or the outcome because these have been substantially lowering my credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: ALLY FINANCIAL INC.
State: IL
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:
There are unauthorized businesses 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 explanation
Consumer complaint received 2023-01-31
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a purchase with my Synchrony Bank American EagleXXXX credit card, the order was only partially shipped. The payment was due in XXXX, I called the credit card XXXX and they told me to pay only for the portion that I received and that they would file a dispute for me. I received the bill in XXXX with late fees and interest. I called the credit card company and was told that I didnt have to pay as it was found in my favor and that all charges would be reversed. I received another bill in XXXX and called them again and was told the same thing again. I received a text from the credit card stating that I was late. I called again and spoke to a supervisor and was told that they were resolving the issue for me, I asked them to reach out to the credit bureau to let them know I wasnt late so that it wouldnt go against my credit. I received a letter stating that they reported my payment as late 66 days. The letter was dated XX/XX/2023 and I called on XX/XX/2023. I was lied to on XXXX occasions and was reported to the credit bureau as being late.

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 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
On XX/XX/2021, I went to the dealership looking for a car. I found the car I like. My sales person told me that he was only going to run my credit through XXXX XXXX XXXX XXXX. I ended up with more than 10 hard inquiries 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 explanation
Consumer complaint received 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On XX/XX/2021, I went to the dealership looking for a car. I found the car I like. My sales person told me that he was only going to run my credit through XXXX XXXX XXXX XXXX. I ended up with more than 10 hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: BMW Financial Services NA, LLC
State: CA
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 have a fraudulent account on my credit report, which I reported it to BMW FINANCIAL SERVICES, yet BMW FINANCIAL SERVICES is not removing this fraudulent account. BMW FINANCIAL SERVICES has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BMW FINANCIAL SERVICES Bank has refused to do this. The following is the fraudulent account : BMW FINANCIAL SERVICES XXXX which was open at an address which I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation