BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: BOK FINANCIAL CORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made the horrible mistake of opening a XXXX 's XXXX membership. Despite the agreement stating clearly that it was an agreement that could be ended with XXXX day notice prior to the next billing cycle, XXXX 's did their typical behavior and pretended they never got my notice of cancellation. When they charged my card again, I went to the bank and asked them to stop all payments to XXXX 's. They refused and told me that only XXXX 's could stop the withdrawls. I asked to close the account and was told that until XXXX 's ended the withdrawls, they would not close the account. XXXX 's refused to ever acknowledge that I had ever contacted them. I then emptied my bank account and moved to another bank, unable to close this account. XXXX 's kept charging to it, despite having received the letter ending the contractual relationship -- -a copy of which was shown to the branch manager of this bank. Of course, the account was empty, but XXXX 's kept charging. This bank started implementing fees for overdrafts, and I kept complaining and they did nothing. They said they 'd contacted XXXX 's who never responded and since they did n't respond, this was presumed to be an affirmation that the contract was in place and that they 'd allow XXXX 's to keep charging the account. I asked again to close it, and this bank refused to close it and instead kept charging me overdrafts. Ever read XXXX? That is the logic behind this bank 's behavior. 

Now, I left my current bank and now can not get a checking account because this idiotic situation. XXXX has a very very long and established reputation of doing exactly this to people. The local XXXX went under and was bought out by XXXX hour XXXX and nobody will take any responsibility for this, saying that I have to pay hundreds and hundreds for overdrafts caused by a company with a bad reputation and a bank that refuses to help it 's patrons. 

Thank-XXXX I did n't put all of my money into this horrible nightmarish bank. I would absolutely recommend that anyone considering this bank run as fast as they can, and that if you have an account with them, that you close it ASAP and get away from them fast! 

I 'll be happy to testify in any class-action suits, or if you 're an attorney, I 'll happily be your plaintiff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-20
Company: ORG GC GP Buyer, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX has put me in collection and my debt was paid. I was not told I was going into collection as I was not aware of this at all. When I received the paper stating that I was in collections is when I paid the balance of {$430.00}. This was disputed and was suppose to be taken off my credit report as it is not. I just recently purchased a vehicle and it effected my monthly payment as it shows I am in collections. When I had fought this several years ago I was told it would be off and again it is n't and it is effecting anything I need to do in the future. I am not happy with this as XXXX is a big company and was paid with no problem. The collection name on my credit report is called GC Services on XXXX/XXXX/13. I would like this to come off my credit report so it does not effect me purchasing a house in the future, as stated it already has effected me purchasing a vehicle. I do not have any other debt on my accout as I pay everything on time and do not have anything out standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XX/XX/2022 CREDIT REPORT INQUIRE NOT MINE

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 2020-03-27
Company: JPMORGAN CHASE & CO.
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 rewards from credit card

Complaint:
On XX/XX/2020 : Reserved hotel, XXXX XXXX XXXX, in XXXX XXXX, LA for XX/XX/20 - XX/XX/20 with Chase Sapphire points totaling XXXX which is equivalent to {$750.00}. 

On XX/XX/2020 due to COVID19 shelter-in-place restrictions I filled out a Cancellation Form on Chase App, which said it was specifically for COVID19 reasons. Received confirmation email that Chase would cancel the reservation and was given Case ID #. 

On XX/XX/2020 I received no word from Chase and saw on the app that my trip was active. I called Travel Services and was told they would need approval from the hotel to issue the refund, but the hotel was not answering. I was instructed to call back the next day after a 3 hour hold. 

On XX/XX/2020 I called Chase Travel ( was on hold for 3 hours ) again and was informed the hotel marked me as a No Show because I did not cancel the reservation. Therefore, following the hotel 's policy, they can not issue any refund. I informed the travel agent that I filled out a cancellation form the day before the reservation and gave them the Case ID #. They replied, the department that handles those forms are offline and they would ultimately decide if I get a refund, but as of now I did not qualify. Afterwards, I went on Chase 's website and twitter, and filed a complaint. 

On XX/XX/2020 I received an email that Chase follows the policy of the hotel and advocated for a refund, but I was denied. I went back to the original email of the reservation and read the policy of cancellations from the hotel, which stated, " Cancellations or changes made after XXXX XXXX  ( Central Standard Time ( US & XXXX  ) ) onXX/XX/2020 or no shows are subject to a property fee equal to the first nights rate plus taxes and fees. '' If Chase followed the policy and advocated for me as they stated, then I'd get 75 % of my points back, however I am being refunded nothing even after their app made it seem like they were being flexible with travel changes due to COVID19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received my XXXX statement from Walmart charging me interest. My account was supposed to be no interest until XX/XX/XXXX. When I called I was told this was because my account switched from XXXX XXXX   to Capital One. I was not notified of any changes to my account. They said they took over as of XX/XX/XXXX so the purchase made after are subject to interest but I specifically called to verify if a new purchase was still subject to no interest until XX/XX/XXXX prior to using it and I was assured it was which is why I used this card. They are telling me I was misinformed. I never signed anything with Capital One and in fact never even activated the card they sent me. The card I used for the XXXX purchase which they say is now subject to interest charges was the one from XXXX XXXX. My XXXX statement had a message on the top which only said my Walmart card may transfer to Capital One. No where was it stated of any other changes to my account. A copy of that statement is attached as well as my last bill from XXXX showing my promotional end date is XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have mailed package XX/XX/2022 to Equifax with astronomical amounts of incorrect/ inaccurate and incomplete information my credit report. I asked Equifax to correct all the information or delete the accounts. Due to these inaccuracies and incomplete information on my report it leads me to believe that my previous disputes were not address or investigated nor were they validated or verified as it pertains to most of the same accounts disputed. How can Equifax have verified/ validated these accounts when they have inaccurate and incomplete information? This is very concerning to me as I as the consumer are not being taken serious and do so believe that no real investigation has ever been done by Equifax due to the inaccurate information and incomplete information which I determined from Equifax own report that I received. I need these matters to take immediate attention and for these matters to be resolved without delay. I would love to get an answer as to how they investigated/validated/verified these disputes and my previous disputes and what companies they used to do so. I would also like to know how they came to their conclusions when they are reporting inaccurate and incomplete information then wouldn't that mean that their results would be inaccurate and incomplete and therefore in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of this year there are two debts on my credit report. One of XXXX and another of XXXX. This is not my activity. I can not get access to see what company is reporting this. There is also payments posted to these amounts. Creditor reported $ 1+? What can I do?

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 2017-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
My identity was stolen and used to open fraudulent accounts on or around  XXXX / XXXX / 17 . I 've made numerous calls t o Saks Capital One and wa s previously addressed on complaint  XXXX .     The company 's response stated it was not being reported on my credit report and that the inquiry would be removed.     My credit report just updated and fell over  XXXX  points due to the fraudulent account being reported. This is inhibiting my first time home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Social Finance, Inc.
State: PA
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 filed the dispute on XX/XX/XXXX with SoFi credit card of {$30.00} purchase. I was told by XXXX XXXX ( Dispute Operations ) I need to submit some of the documents. I sent her fax, emailed her twice, called her more than 20 times and left her voice messages. She never replied. She sent me a letter on XX/XX/XXXX and said she didn't hear back from me, so she closed the dispute investigation. 
XXXX XXXX Phone number : XXXX extention XXXX. 
email : XXXX Fax : XXXX Then I called SoFi customer service many times, but no one could help with the {$30.00} dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Synchrony Bank Lowe 's Credit Card Promotional Purchases The Lowe's/Synchrony  Bank has a random order process for allocating payments to multiple interest-free promotions. Payments may be applied differently from the order of expiring promotion dates such that both Regular Purchases and/or ending promotions may not be paid ahead of later promotions based on unstated rules. In order to insure that payments are processed such that each promotion gets a portion of the payment based on the remaining months left before reaching the expiration divided into the total purchase price outstanding, they use other unspecified criteria that could cause a customer to be charged late fees and interest payments. In speaking with the Customer Service and the Client Affairs Specialist, controlled allocation mathematically can't be done with the " system '' that they use, which should be a Data Processing Computer programmed for Retail Commerce. In order to allocate funds to each outstanding promotional balance, after making the payment, the customer has to contact a Client Affairs Specialist with specific allocations by promotion. This is an absurd way for any bank to operate because it steals time away from customers to do trivial work best done by computer.

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 2015-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
these inquiries on the bureaus do not belong to me, I have submitted paperwork and they did not remove the inquiries after multiple disputes

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
False information on my credit report regarding the original amount of the loan, the time reported to agency as a late payment. Inaccurate amounts monthly payment amounts. Reported to credit bureau as late after the account was paid in full. The account was paid in full as of XX/XX/XXXX. However, they never sent the car title, when I called them in XX/XX/XXXX, they told me there were fees owed on the account that were from the beginning of the loan in XX/XX/XXXX. I immediately XXXX the misc. fees, I have my receipt of the XXXX sent. They had never contacted me regarding those fees, the only way I discovered the fees was when I never received my car title. As matter of fact they claimed they sent my car title XX/XX/XXXX, they never did and want me to send money to another agency to pay for a car title, that they never sent. The company is deceptive in their practices. I have contacted them on several occasions and they sent me from one department to another and to voice mails. I have disputed this with all credit bureaus and will keep disputing it. Additionally, the original monthly payment was not, {$220.00} for 54 months. The car note was reduced to {$220.00} after I became unemployed and after two years of struggling to pay the note. One agent finally looked at the file and put me in a program to assist me, had they done that from the time of unemployment it would not have taken me seven years to pay it off. However, they are not reporting that, The last car note was paid on XX/XX/XXXX. All information of reporting is inaccurate. Santander has been deceptive in their practices. I paid on that load from XX/XX/XXXX to XX/XX/XXXX. They reported me to credit bureau for misc fees on XX/XX/XXXX as the date of my first delinquency and the account was closed XX/XX/XXXX. They reported to the credit bureau a late payment for the fees I never knew were on the account, after I PAID MY LAST CAR NOTE XX/XX/XXXX. As I stated the only reason, I discovered the fees was because I never received my car title and called them, XX/XX/XXXX, found OUT ABOUT THE FEES AND IMMEDIATELY PAID THEM. I have the copies of my transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: AL
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 filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reportin

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reviewed my credit report from all three bureaus Transunion, XXXX and XXXX. I noticed that the report has credit inquires that I did not authorize. I am new to my credit journey and these inquires are affecting my score negatively. One inquiry from XXXX XXXX XXXX XXXX  made on XX/XX/2022. This was a pre approval I followed via email from the company and my credit was hard pulled. Another made with XXXX XXXX via website on XX/XX/2022, I followed their pre approval application and later was followed up with a phone call to come in and look at vehicle only to find out that my credit was already pulled before even arriving. I notified them of this as I am only looking around but told me it is out of their control. XXXX XXXX also hard pulled my account and even have an inaccuracy on my street address based on my report. I request you to investigate and remove the inquires as soon as possible as I will be applying for a secured pledge loan soon to build credit. Thank you

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 2020-03-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I held a Chase credit card. I was unable to continue to make payments, due to going on XXXX ( SSDI ). I was " offered '' a reduction in the debt payoff amount. I agreed to the arrangement, which was to consist of 6 payments directly/electronically taken on the XXXX of each month, from my Chase checking account. Two of those payments were debited, the last is shown here : XX/XX/2020 CHASE CREDIT CRD EPAY ONUS XXXX TEL ID : XXXX ACH debit {$130.00} {$1300.00} I have suffered another health setback. When I called Chase Customer Service and asked if I could terminate the electronic debit, they said I could not. I asked if I could terminate the electronic debit I have for my phone service - that they were willing to do. This did not seem right to me. I asked if I could negotiate a lower amount per month, over a longer period of time, Customer Service transferred me Credit Card services, and they transferred me to Chase Recovery Services. Chase Recovery Services answered, I asked to terminate the payment arrangement. My call was disconnected. I went through the same process again, two times on Thursday, XX/XX/XXXX, with exactly the same results. If Chase Customer Service could terminate any other electronic debits I was having made, then they should have been able to terminate this one. They have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
i was financed by santander consumer usa. i made XXXX payments, most of it was XXXX per month, there is a lot of costly issues with my car, i asked them to pay XXXX a month since my issues needs to be fix, they would call me all times of the day, sundays and on holidays, sometimes i get angry, because i am paying my loan, now it is intress added to intress, now they want me to pay XXXX a month, or get reposess, can i get some sort of help, the car is worth around XXXX dollars, used the price i payed so far, for them to reposess my car for,XXXX XXXX dollars, is pure bullie in, can i get some help please, i rather give back the car so not to have repo on my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They kept calling me and calling me about this debt I had. I knew I had it I just couldnt pay it times were very hard. But even tho things were still not so great I ended calling the collection agency they told me they would give me a deal and they would delete it from my report if I paid it that day. I did pay it and now they wont remove the collection mark on my report I asked them if they could since that was their promise they told me they cant do that. So Im left with no other choice than to make this complaint. I know it was a collection but I paid it. I paid my dues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Ohio has been trying to collect a debt that I know not to be mine. It has been passed along to various creditors that I have had to dispute each time. Reason given : My name appears under many addresses That I have not resided. The last creditor to take possession of this debt is : ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX XXXX. 
XXXX NC. XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief