BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2020: ( 1 ) BOA notified ( through my cell phone ) suspicious two transactions on my BOA Visa Credit Card ( Account ending in XXXX ) at XXXX  store in XXXX XXXX, CA : {$200.00} ( reference # XXXX XXXX and {$200.00} ( reference # XXXX XXXX. 
( 2 ) BOA also notified ( through my XXXX  cell phone ) suspicious two transactions to her BOA Visa Credit Card at XX/XX/XXXXstore in XXXX XXXX, CA : {$200.00} and {$200.00}. 
( 3 ) I immediately reported that both my credit card and my XXXX credit card were stolen from our automobile while we were hiking. 
( 4 ) We did not report to police since the car were not damage and nothing were missing inside the car except an {$100.00} bill and credit cards. 

XX/XX/2020: ( 1 ) BOA credited the two fraud transactions ( {$200.00} and {$200.00} XXXX to my BOA account. 
( 2 ) BOA also credited the fraud transaction to my wifes BOA account. 

01/14/2021 : ( 1 ) BOA informed me that they were unable to approve your recent fraud claim. ( see attached ). 
( 2 ) BOA did approve my wifes fraud claim. 

XX/XX/2021 : I called BOA credit card office ( after waiting for almost an hour and were transferred to several agents ) to inquire about the case. They were not able to help in resolving the case and insisted that the chip was read, your PIN was entered, and/or your signed for the merchandise or service, which indicates your or someone you allowed to use your card was present. 

XX/XX/2021 : I filed a complained regarding to the case to the Office of the Comptroller of the Currency ( OCC ), Case # XXXX Bank of America , National Association. 

XX/XX/2021 : XX/XX/XXXX of the OCC wrote me that the issue no longer falls under the direct jurisdiction of our office. The case is referred to the Consumer Financial Protection Bureau XXXX CFPB 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 2017-08-01
Company: JPMORGAN CHASE & CO.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My husband 's business card was stolen and so he had to use our chase XXXX card to make payment on XX/XX/XXXX for {$500.00} and then again on XX/XX/XXXX for {$5100.00}. We had n't used our XXXX card for several years prior to this. My husband received his new business card and frankly forgot about the two charges he made on the XXXX card and never used it again. We received no statements from chase XXXX for the charges he made. On XX/XX/XXXX I received a call that our account was several months past due. I had no clue of the charges and thought perhaps they were fraud because they were on a card we never used but I recognized one of the merchant names and said I would talk to my husband and get back to them. My husband confirmed the charges and I called back and said they were ours and I paid them that day. However I did n't feel that the {$320.00} in fees and finance charges was fair because we had n't ever gotten a statement. The customer service rep told me they were being sent electronically to email address XXXXXXXXXXXX which was an old email address that I had no choice in closing several years prior. Also I never requested them to be sent to me electronically I have statemebte sent to our physical address. I asked why statements were n't sent through postal after a couple of months of non- payment because they had my physical address and I was told they do n't do that. How about a phone call I asked because if you look at the history on my account for the seven years we used it, it was paid in full and by the due date every month. She said they do n't do that either. She was willing to remove three late fees but would n't remove any more fees. I do n't feel that it is fair to have my husband 's and my credit ruined because we did n't receive notice for over four months that our account was outstanding. We had a current physical address and phone number on file and should have been contacted prior to $ 300+ in fees accumulating on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today, XX/XX/2019, I was scammed of {$150.00} through XXXX. I tried to buy concert tickets and the person wanted payment through XXXX. I did not think anything bad of it, especially because I have sold tickets the same way. Her name is XXXX XXXX. Phone number XXXX ( XXXX ) XXXX-XXXX  and email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Spoke with customer service yesterday, XX/XX/XXXX, and was told the amount of {$550.00} incorrectly debited from my account while it was frozen due to fraud would be returned on Wednesday to accurately reflect my true account value, XX/XX/XXXX after the system updated. 4 line items were nondescriptly posted to my account as Paid Item listed under the category Other : XX/XX/XXXX {$7.00} {$13.00} XX/XX/XXXX {$10.00} {$520.00} The only individuals who had access to my account at that time to enact debits were Suntrust Bank employees, as the accounts debit ability was disabled as well as online access. Suntrust Bank continues to delay use and possession of my personal property citing internal processes for the fraud and systems for the erroneous debits : an ostensible, rather than veracious reality due to severity, frequency, and consistency. 

Due to this instance, I will submit the requested amended complaint to reflect recent findings, remove XXXXXXXX XXXX from any culpability due to Identity Theft compliance, and add Suntrust Bank due to proven theft. The selected jury in case number XXXX with judge XXXX XXXX XXXX presiding will oversee the proceedings to determine if Suntrust Bank remains an ongoing concern or is demanded to divest, terminate, and dissolve.

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 2018-03-28
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went online on XX/XX/17 to get a loan for {$600.00} from Big Picture Loans. From my understanding I thought I would only have to pay {$180.00} once a month for three months. This would include what I took out plus interest. It was not until the next day the loan was deposited into my bank account that I was emailed the Big Picture Loans payment schedule and saw that I had to pay 12 payments of {$180.00} which add up to {$2200.00}. This is more than what I even borrowed from them. I called to verify and see how I could get out of it but they kept telling me that they would call me back. Other times the hold was so long that no one ever came on the phone. The customer service department has not been helpful. So, far I have paid {$1100.00} and very frustrated on the fact that I have more to pay back because of their very high interest rates. After, reading other people 's complaints I feel it is only right that someone looks into this place. I feel as though they are taking advantage of people. I hope someone can contact me back so that this matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2018 I sent a letter To TransUnion Credit Bureau as well as several times before asking for specific information such as names of persons and exact details on how a bankruptcy is being verified, According to FCRA I have the right to this information However I received letters back that says its being verified through the court. So I reached out to the court that supposedly verified the bankruptcy to obtain in writing as to how they verified the bankruptcy or if they report to any of the credit bureaus. They responded in writing that they DO NOT report anything to credit bureaus. And that its probably being gathered through the XXXX system. So I reached out to XXXX as well and they also DONT contact credit reporting agencies. Im well aware of the FCRA Laws and know that this is a violation of rights. XXXX   and XXXX  has already removed the bankruptcy from my credit file because they were also in violation I would like for TransUnion to follow suit.. I have sent the letter that I received from the court to TransUnion and they still refuse to remove the bankruptcy.

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX XXXX, XXXX I contacted TransUnion about removing an erroneous inquiry, from my credit reporting. I informed TransUnion that I attempted to resolve the issue with the reporting creditor to no avail and was now ( XXXX XXXX ) attempting to file a dispute with them. They gave me the number to the FTC and told me to call. They said I needed to request a letter from the FTC, upon which one would be sent, in support of removal of the inquiry. I would need to send that letter that I would receive from the FTC, plus written correspondence to TransUnions PO Box to have the inquiry removed. I have been unsuccessful finding out or receiving answers to the inquirys removal and TransUnion has misled me with bad information in regard to getting it 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 2017-08-02
Company: Experian Information Solutions Inc.
State: LA
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:
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries.
Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2017-08-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XX/XX/XXXX my car leased through XXXX XXXX was totaled. Insurance covered the claim and the account was closed. In XX/XX/XXXX, I applied for credit and was informed that their was a Serious Delinquency indicator on my credit file, but in reviewing the credit report, there were no delinquencies. After much research, I was able to determine that the indicator was caused by the comments from XXXX XXXX. I contacted Experian, XXXX ( the 2 agencies reporting it ) and XXXX XXXX and asked them to remove the indicator as the account was paid as agreed and closed. Despite saying they have updated the account, the indicator remains on my report. I also contacted FICO and they are claiming that Early Lease Termination is considered a derogatory indicator. This Serious Delinquency Indicator only reflects on certain FICO calculations, not all. While it 's very clear to anyone who actually looks at my credit that there is nothing derogatory on my report and the account was paid as agreed and NEVER delinquent, I can not get any of the companies to correctly update the account and scores. I also want to mention when I was trying to fix this issue with Experian, I spoke with a supervisor ( did not get her name ). She was trying to tell me that my closed credit cards were the problem, but when I pointed out that I only had one derogatory indicator and there were 3 closed credit cards on my report, she told me that she could " fix '' it for me and add 2 more derogatory indicator. I find this beyond unacceptable and think the company should be fined for allowing their employees to treat customers that way. The person was rude, unprofessional, and ignorant. I expect an apology.

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 2019-10-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX My name is XXXX XXXX XXXX I need my security freeze/Block removed from my credit report ASAP!

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 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Billing dispute for services

Complaint:
this was never submitted to insurance to be paid, the company needs to call the insurance company and have them investigate this. I have contacted the company several times, no one has contacted me back. We never received a bill either. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2018 ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I just received an email from Capital One regarding my credit card limit. The email states that because I have only been using a small portion of credit, that they are reducing my credit limit. 

This will impact my credit rating unfairly. 

I called the company, but was told that there was nothing they could do about it. 

In essence, I am being penalized for responsible credit utilization!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: SUNRISE CREDIT SERVICES, 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: Problem with personal statement of dispute

Complaint:
this account is unknown to me, the collector did not verify. Send documentation of proof

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 2018-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Capital One explaining that they were closing my account due to a violation of my credit card agreement. Capital One failed to mention the violation I violated and when I contacted them, they failed to provide me with any information but informed be that I owed an outstanding balance of {$36.00}. I feel the reason they closed my account because they looked at my address and probably assumed the based on the area I lived in that I would not be able to afford or pay the credit card. Capital One have refused to respond to my letter and have not given any information over the telephone and refusing to return my security deposit for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this bill, I contact the 1st party and the collection agency both stated will have disputed and closed out. This is now on my credit reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Kia Motors has charged me taxes for the whole XXXX year for my previous lease with them and are also charging me taxes for the whole year of XXXX for my current lease. I should only be charged for taxes for the amount of months in that year that I owned either car. However they are charging me for the whole year for both. 
I calles them to dispute this, they said I need to pay the full amount and ask for a refund of each extra tax they charged me. They will then process this and refund me. I was given conflicting information about this when i paid the full amount of taxes for the first car, was told that I would only be charged for the prorated amount for the new car. However that was a lie and I am being charged the full amount for both cars. 
I dont think this is right. I shouldnt be charged the whole amount if I didnt lease the car for the whole year. They should only charge a prorated amount no matter what the town charges them for taxes. What about people that are not aware of this process?! They pay Kias taxes for the car that they didnt even lease for the whole year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: IL
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX  XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have 17 hard inquiries from different companies that I never applied with. I called the companies but since I dont have an account with them they cant do anything for me but the credit bureau keeps telling me to contact the company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX needs to be removed from my credit report. I don't owe anything to this company or to XXXX XXXX XXXX All of my debts have been paid in full. 

If this is not removed within 30 days, I intend to file suit.

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