BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: NJ
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 applied for a credit card just now and and was notified by the credit card company that I applied to that they couldn't give me an answer because my Experian credit information was frozen. I have no idea WHY it was frozen because I never requested this. 

They gave me an XXXX # to call Experian and get the credit unfrozen. I have spent the last hour trying to do just that and realized that Experian offers absolutely no option to do so at that number. Also, no way to speak to a representative or human being in order to express this. You can FREEZE your credit at that number, but there is no option to UNFREEZE. I tried choosing every option they make available, and there is none for unfreezing. Also, I kept saying " representative '', but the recording kept repeating back that they would let me speak to a rep only after they figured out how " best '' to direct my call to the proper representative, and then kept offering me the same automated options and did nothing to actually direct me to a representative. After trying this several different times, hanging up each time and redialing and exhausting every option they offer, I went online to see if there was any other customer service number. Of course there isn't! 

I then decided to try and unfreeze it online. I had to go to the trouble of setting up an account, which I tried to do. Then they said they were going to need 2 forms of ID and specified what they were, and said you could either mail them in or call a number to find out how to submit them. Only it turns out the phone number they gave for instructions on submitting them was the same one which I had just been trying to find the proper option on for an hour, and which I was now intimately familiar with, and which I damned well knew didn't have any such option.

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 2022-06-29
Company: EQUIFAX, INC.
State: NV
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 noticed a few inquiries on my report that I don't recognize and I called both XXXX and Equifax to have them verify and/or remove the inquiries. Both bureaus refused to verify and refused to remove the inquiries. 

The inquiries I don't recognize : XXXX XXXX XX/XX/2022 on XXXX XXXX XX/XX/2022 on Equifax XXXX XXXX XXXX XX/XX/2022 on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: TX
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:
15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. accounts XXXX account XXXX, XXXX XXXX XXXX account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
While on business my phone was stolen form my hotel room, along with other valuables. 

I filed a police report with the XXXX XXXX. 

Whilst in the thieves hands, they used my credential to pay themselves money. 

A total of {$300.00} was stolen from my account. 

Cashapp wont even discuss the matter with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Jim Bottin Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX  gym membership. My gym closed. I canceled my membership and it shows inactive on XXXX  website. ABC Fitness Solutions continues to contact me to collect the debt. They deducted from my credit card and I had it overturned. I called them and advised it was canceled months ago but the email me every other day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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: Old information reappears or never goes away

Complaint:
XXXX and XXXX XXXX Account # XXXX {$260.00} I have no knowledge of the account above and currently have a fraud protection on my credit report.. I reached out to the debt collector and tried to dispute the unknown item and did not get any validation stating that I owed the account above.. I received no help item was not removed or verified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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, no one is helping me to remove the transactions from 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 2023-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/23, this debt collector claimed it would cease all communication of this allege debt but it is still reporting it on my credit report. This debt collector has repeatedly committed FDCPA violations and continues to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: BOK FINANCIAL CORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made 4 purchases with my debit card from Bank of texas, on XXXX. 
The merchant never sent the items to my address and never provided any tracking number or more information about the delivery. 
So I opened a charge back request with my bank on XX/XX/XXXX under the claim number, XXXX. I was reqeusted to send the order receipt showing that the goods must be sent by XXXX, and also a letter explaining the situation. 
After a couple of days later I got a letter saying that they cant proceed with the charge back request because was a face to face transaction, but that doesnt matter for chargeback requests. 
I called again to open the chargeback and they denied for second time, even they didnt reach XXXX for the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NM
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 sent a letter on XX/XX/2022 to the three major credit bureaus Experian, XXXX, and XXXX to remove personal information that I do not want on my credit report ( I am attaching the tracking information ). According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

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 2022-08-22
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Since XXXXXXXX XXXX XXXXXXXX XXXX XXXX reported to the 3 credit bureaus a false address - XXXX XXXX XXXX, XXXX XXXX Ca XXXX ( which doesn't exist ) and a suspicious credit card under my name and that affected my credit score for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: FIRST NATIONAL BANK OF OMAHA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX - Opened a XXXX Savings Account XX/XX/XXXX - XXXX in funding to XXXX from XXXXXXXX XXXX XX/XX/XXXX - XXXX in funding to XXXX  from XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX transfer from XXXX XXXX account to XXXX declined. 

XX/XX/XXXX - XXXX transfer from XXXX XXXX  account to milli declined XX/XX/XXXX - Account Restricted. Unable to withdraw any funds. Receive email from XXXX support saying account restricted. They say to contact customer support through in app chat to resolve. 

XX/XX/XXXX - Contact support via in app chat. They say I will get a response in 1-2 business days. 

XX/XX/XXXX - Request Status Update in chat. No response. 

XX/XX/XXXX - Request Status Update in email. No update. 

XX/XX/XXXX - Request Status Update in chat. No response. 

XX/XX/XXXX - Request Status Update in email. No update. 

XX/XX/XXXX- Contact CFPB in an attempt to get access to the funds in my account as no updates are being provided by XXXX of when my account will be 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 2023-08-30
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited {$50000.00} in a saving account on XX/XX/XXXX. It took XXXX business days before I could access this money. Then I find out they put extremely low transaction limitations on my account. 
Mobile Deposits : Daily {$750.00} and Weekly {$1500.00} Sending Money : Daily {$1000.00} and 30 day {$3000.00} These low limits don't work for me so I decided to cancel the account. When I cancelled the account, an interest deposit for {$100.00} was placed in my account and them immediately removed. I also received a paper statement showing interest earned this period of {$100.00}. 
I've contact US Bank on XX/XX/XXXX regarding the interest and they were unable to explain why it doesn't show. I called US Bank on XX/XX/XXXX same result and was told this would be escalated to their Customer Car Unit. I was suppose to receive a communication within 24 hours. Two days later on XX/XX/XXXX I contact US Bank again. Same result, unable to help and suggested I see if anything happens. Communicated that isn't acceptable and said I would be contacting banking regulators to file a complaint.

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 2022-06-29
Company: SG and Associates
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company began calling my cell phone number ( XXXX ) repeatedly leaving voice mails with incorrect mailing address but my correct name in regards to a debt owed. They also began to call my spouse and may be calling my extended family repeatedly throughout the day to try and get a hold of me.

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 2022-06-07
Company: BARCLAYS BANK DELAWARE
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: Overcharged for something you did purchase with the card

Complaint:
I had us bank credit card issue a check for {$8800.00} for a balance transfer from Barclays Card Service. XXXX XXXX XXXX XXXX, PA XXXX I originally had a Barclays card but my account was sold to XXXX XXXX XXXX. 
This balance transfer was made by XXXX XXXX. 
I thought Barclays and XXXX were under the same umbrella. I thought this because I was told that and Barclays would send to XXXX XXXX. I have attached the check copy front and back to show Barclays received and cashed the check.

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 2022-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is my XXXX year with Capital One, I have two cards with them, I wanted to make a payment which is due on XX/XX/XXXX and at XXXX pm. I was already charged {$25.00} on each account ( {$50.00} in total ) I called immediately ( XXXX pm ) and was told they can not waive the late fee, the staffs were not considerate and they all just wanted my money. How can you charge a late fee for the same day, they said I am not eligible for a waive. I will tell all family and friends not to patronize this credit card company since they use every means to rip people off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express attempting to collect during an active reinvestigation, using various mediums, email and text. This was included in the Cease and Desist and the Debt Validation to not collect during this process, and to stop communication ( harassment ) during this process. See attached invoice and exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2022, i attempted to place an order with jcpenney online, an ad stated to apply without hard inquiry you can prequalify, without my consent it followed thru with the application to apply by supplying a link which i did not get to in time, i was denied credit without applying fully, my score over XXXX so i don't think i would have been denied, i only wanted to prequalify, get that result and then decide whether to apply for the credit card, i placed the order anyway using another credit card, i would like this hard inquiry removed from all three credit bureaus as i see that a hard inquiry was made by XXXX today

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 2022-08-22
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me!

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 2022-06-07
Company: Bread Financial Holdings, 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:
On XXXX XXXX, I sent written correspondence via Certified U.S. mail to Comenity Capita/XXXX requesting that they delete 1 inquiry on my credit reports dated XX/XX/2021, considering that I did not authorize anyone employed at Comenity Capital/XXXX  to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to Comenity CapitalXXXX bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CarMax, 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:
On XX/XX/XXXX, I sent written correspondence via Certified U.S. mail to Carmax Auto Finance requesting that they delete inquiries on my credit reports dated XX/XX/XXXX considering that I did not authorize anyone employed at Carmax Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to XXXX XXXX XXXX XXXX bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
net I would like to draw your attention to the XX/XX/XXXX, XXXX I had sent my complaint letter to Crypto.com, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Crypto.com never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
Overview : It is well established that victims with some characteristics of vulnerability may be more likely to fall victim to scams, including misleading online financial advertisement. They may be specifically targeted through unsolicited approaches, more trusting or more likely to be persuaded to disclose personal financial details. 
It is evidently proven that scam victims have relatively little freedom of reactivity, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator under psychologically pressurising circumstances that the perpetrators themselves created to manipulate said victims ( myself in this instance ). Being able to consciously refrain from reacting in accordance with the scammers instructions is extremely difficult and sometimes impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Dear Sir or Madam I am writing to complain regarding double taxes that I am forced to pay on my vehicle lease by Infinity Financial Services. 
On XX/XX/2021 I have signed the vehicle lease agreement for XXXX XXXX XX/XX/XXXX at the XXXX XXXX XXXX in XXXX, New Jersey. 
The lease payments were agreed and fixed at {$460.00} per month. I was making payments as agreed. 
On XX/XX/2021 I have moved from XXXX XXXX  to XXXX and when I called Infinity Financial Services to update my address they adjusted my account and my payment increased by {$32.00} per month. 
When I called their Customer Services they explained to me that this is due to the change of the address and that XXXX collecting Sales Taxes monthly where that XXXX XXXX collects them upfront. This means that I have already fulfilled my obligations in full with the Department of Revenue of the Sate of XXXX XXXX on the Sales Taxes when I obtained a vehicle. 
Therefore, I do not understand why do I have to pay taxes again on the same vehicle. 
I have called XXXX Department of Revenue and representative explained that XXXX give a credit to the taxes paid in full in another state and XXXX XXXX is included. They have also provided me with the document confirming that. 
I have faxed this document to Infiniti Financial Services with request to adjust my account to the agreed amount of {$460.00} per month. 
However Infiniti Financial Services has declined my request without explanation. 
I still don't understand on what grounds they charging me extra taxes for the same vehicle. 
They are unwilling to communicate with me regarding this issue as well as explain their decision. 
Never the less, my second vehicle lease from XXXX XXXX XXXX was adjusted without a big effort, I do not understand why Infiniti Financial Services unwilling to provide satisfactory explanations of their actions and make necessary adjustments to my lease payments.

Company response to consumer: Closed with explanation