BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I was a victim of credit card fraud of about {$40000.00}. All documents were submitted to Bank of America on XX/XX/XXXX. Bank of America completed their investigation and sent me a letter dated XX/XX/XXXX that the investigation was complete and ruled in my favor. Within a few days all those charges appeared on my new credit card. Bank of America also allowed XXXX Unauthorized credit increase approvals on XX/XX/XXXX for {$38000.00} and in XX/XX/XXXX for {$48000.00}. At the time of initiating the fraudulent activity, Bank of America removed those charges temporarily to investigate. However, they did not carefully investigate the Credit Increase requests that predated the fraud. The last request they received to increase credit was XX/XX/XXXX for $ XXXX but this was declined. All this information is what I gathered from Bank of America Fraud representatives. Now they have reopened the case, they have connected with XXXX, where all the fraud occurred but are unable to remove the $ XXXX from my new Bank of America card, for which I had reduced the credit limit to $ XXXX once the fraud was discovered. So now it appears that I am $ XXXX above my credit limit. They said they couldn't move that money off temporarily but that they would report back to the 3 credit bureaus once this is all rectified and help to repair the credit score. All the transactions were made on a compromised XXXX account. XXXX completed their own investigation and concluded that nearly $ XXXX of charges were Unauthorized. I have attached a detailed letter with multiple specific references from both Bank of America and XXXX. The letter will also be faxed and mailed certified to Bank of America. I called them today, XX/XX/XXXX to let them know that I would also be reporting them to the CFPB since they have completely mishandled investigating this sizable case of fraud. Lastly, I have an excellent XXXX score over 25 years so this episode is entirely inconsistent with my track record and I fully expect Bank of America to resolve this quickly.

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 2020-04-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent the company HRRG a letter below is the letter that I have sent them. 

Healthcare Revenue Recovery Group , LLC XXXX. XXXX XXXX XXXX, FL XXXX To Whom it may concern. 

Please do not call every day. I understand I owe you money but calling me 3-4 days in a row is annoying. Your payment site doesnt allow you to set up weekly payments only single payments. Also, you can not set up future payments on your website. 
The company has not stop calling me. When the company calls, it is recorded message.

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 2019-12-18
Company: Experian Information Solutions 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:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I am sick and tired of dealing with this inaccuracy. All I requested was physical proof which I know is the law per section 609 of the FCRA.

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 2021-06-16
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Amex, XXXX XX/XX/XXXX, my renewal fee was {$95.00}. 
In XXXX of XXXX, Amex discriminated against me by placing a preset limit of {$2000.00} on my account, which I rarely use, after my XXXX XXXX XXXX XXXX account was defrauded/depleted through XXXX, and while XXXX XXXX XXXX XXXX was defrauding me for erroneous insurance fees. 
In XX/XX/XXXX, my renewal fee was {$95.00}. 
In XX/XX/XXXX, per Amexs predatory revenue creation attempts during the XXXX pandemic, my Amex renewal fee jumped to {$150.00} on my account with a preset limit of {$2000.00}, which I rarely use. 
In XX/XX/XXXX, I reported two unapproved transactions, XXXX, and XXXX XXXX, and Amex wanted me to obligate my time to resolve the grievances, while Amex charged me late fees on the unapproved transactions, rather than Amex acknowledge the fact that Amex increased my renewal fee for Amex to direct me to resolve my own grievances as if I were an Amex employee. 
XXXX resolved the unapproved transaction, whereas I had to report the Amex-XXXX grievance to the Consumer Financial Protection Bureau ( CFPB ) ( XXXX ), and I was awarded the sum of the unapproved transaction. 
In XX/XX/XXXX, Amex sent me a paper check for the remaining sum of the credit award, at which time I expressed to the Amex chat representative to return the stolen funds to my account, or close my account, and neither happened. 
XX/XX/XXXX, months after I directed the Amex chat representative to close my account, Amex charged me a renewal fee of {$150.00}. 
Amex continues charging me an inflated renewal fee on my account that I rarely used, and which carries Amexs discriminatory preset spending limit. 
I had to report Amex to the Consumer Financial Protection Bureau ( CFPB ) over erroneous charges and interest fees. 
Amex returned the erroneous fees to my account. 
Amex removed the funds from my account to send me a paper check. 
I told Amex to return the stolen funds to the account or close the account. 
Amex failed to return the funds or close the account. 
Every time Amex creates one of these problems for me, Amex costs me more than the sum by obligating my time, as I stated to the Amex chat representative. 
Amex, close my account, because I have no need for overpriced Amex renewal fees on Amex preset spending limits. 
I will not be paying Amexs {$150.00} renewal fee or any associated late fees as my account was to have been closed in XX/XX/XXXX per my direction to the Amex chat representative. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: BBVA FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Went to a consignment sale. Spent ov er 200. Left. Thought everything was fine. Boy was I WRONG! They  used the credit card machines where everything is done manually. But I was n't too worried. Now I 've spent  XXXX  for  XXXX  worth of merchandise. Recently started banking wi th BBVA COMPASS. Th ey had been great thus far. Then I had the misfortune of getting paired with  XXXX  ... ... she worked my dispute. The first time around she did hardly anything and came back and said she found nothing wrong. I threatened to file a complaint with CFPB and so she said she would reopen the investigation. But ... ... did n't come up with ANYTHING different. And still sided with the other party. I 'm very upset. The info that I used as EVIDENCE that I did NOT make the second purchase ... ... was the info she used to find that I DID! I provided her with my receipt. Explained I only si gned ONE slip. The other one was  done an hour later. I was long gone and heading for home. I did not do the other purchase. And had this been   XXXX   XXXX   XXXX   XXXX  or  XXXX  or  XXXX   XXXX  ... .my word and the info I provided would have been PLENTY to get the charges reversed. I work online for a living. And I deal with a lot of social media and referring. I definitely will be talking about Compass ... ... but it wo n't be a recommendation. Which is sad, because there are wonderful people that work there. Like  XXXX . He was wonderful!!     Anyway, I 'm opening this complaint in the hopes that I can get my money back. I 'm a single mom raising  XXXX  girls.  XXXX  of whom is currently  XXXX   XXXX . So I ca n't afford for there to be a  XXXX  ERROR that is n't resolved. Please help : ( I 'm providing all documents that I have gotten throughout the case. To try to expedite the outcome. And I 'm hopeful that whoever sees this next ... ... .can help to right the wrong. I 'm so upset by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX   XXXX  is supposed to be a closed account you closed it and re opened it and it dropped m y credit score afte r I already filed an complaint and it reported as a closed account that 's charges off what 's the problem it 's closed on both  XXXX  and  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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized.

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 2019-12-18
Company: General Credit Services
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my credit report and noticed a fraudulent unauthorized charge on my account reporting from GENERAL CREDIT SERVICES XXXX, IN XXXX. They claim to report it from a doctor service however, when I contacted the original merchant they have no knowledge of this account or the creditor services and I do not owe this debt that is reporting to my personal credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disrupted all on my credit I did n't recognize on equifax rep ort .I call  them also.Iam a victim of identity theft notified by the  Us  Department of justic e case  #  XXXX  They caught one per son using my information. But equifax told me to file a police report. I have proof that my identity was stolen by the letter from the Department Of Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Chase Bank Credit Card 's dispute service is poor. It is often lack of response and leave the issue unsolved.      I disputed a charge through Chase Freedom Credit Card. After I filed dispute, I was issued a conditional credit. However, without any communication or follow up, Chase rebilled the amount of dispute. I contacted Chase for the explanation, but no   response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-11-19
Company: LEXISNEXIS
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I have been in contact with all major bureaus letting them know that a bankruptcy that appears on my credit file does not belong to me. Two of which have respected my wished and removed the bankruptcy from reporting. However, XXXX and LexisNexis have not. I have sent in paperwork multiple times with proof that the bankruptcy does not belong to me ; I have filed an FTC report and specifically stated for the information to be " blocked off my credit report file pursuant to section 605B of the FCRA, '' to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Duncan Solutions, lnc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a complaint and received a response on XX/XX/18 that the company was still working on my issue, and they have 60 days to respond. My claim account # is XXXX. I received this notice in the mail today. Still no response to my certified letter, asking for proof that this debt belongs to me. I have never lived or drove in XXXX, yet somehow toll fees are attached to my name in XXXX. Please note the notice is " the third attempt to collect ''. I am upset that companies can attach a person to a debt without any explanation, and continue to send notices. I feel this company is harassing me as a consumer. I want this company to stop sending me notices to me until they respond to my complaint. I will not be paying this debt, and will gladly continue to dispute this even if I have to get a lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Professional Debt Mediation, Inc.
State: FL
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 company ( Professional Debt ) has harassed me for years stating that I owe money to XXXX XXXX Apartments. I never lived in these apartments. I repeatedly told them this only to be treated disrespectfully and rudely. Over and over again. I am in the process of taking out a loan and this is showing on my credit report which is delaying my loan approval. I called and spoke to the owner of the company who told me that I do not owe this money but states that he can not give me a letter on letterhead stating that I do not owe this money because his company does not do this. The owner states that XXXX  put this on our credit report. Not him. He refuses to help in anyway to clear this fraudulent charge on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Franklin Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Franklin Service , INC in XX/XX/2022 and was spoken to very rudely asking for my personal information. I inquired who was calling and the caller hung up, I received several more calls that went the same way over the next four weeks. 
I was able to speak with someone after the ninth time that I was contacted and was informed that they were collecting a debt on behalf of XXXX XXXX. 
I informed that person that I spoke with that I had never had service with XXXX XXXX and they simply stated, " ok '' and they hung up. I have never received any information other that the harassing phone calls. 
On XX/XX/XXXX, XXXX my credit report was updated with a collection account from Franklin Service , INC and it is FRAUD. 
I contacted XXXX XXXX and they went through their data base and informed me that they could not find any record of me having an account with them past or present. They informed me that Franklin Service INC was not an authorized collection agency for XXXX XXXX and that I should file a fraud complaint. 
I went to the XXXX  and they have hundreds of complaints against them for this very tactic where consumers verify that they have never been a consumer of XXXX XXXX but are being bullied into a collection dispute with Franklin Service , INC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase has failed to issue 1099 's to consumers, which makes it almost impossible to calculate taxes owed to the IRS. Coinbase says they replied to a case, but they failed to give me my 1099.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed the improper use and reporting and nothing was updated or corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed the improper use and reporting and nothing was updated or corrected

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for months now. When I attempt to log-in to the Transunion website for these tasks, I receive the following message : " We're unable to complete your request online. '' On numerous occasions, spanning from XXXX XXXX to XXXX XXXX, I have reached out to the company to fix this issue, both by phone and on their chat portal. Each time they have responded that they recognize this issue and someone will reach out to me to rectify the problem, nobody has reached out for months now and the problem has not been solved. Transunion does not care and is callously ignoring the problem in a very unprofessional manner, and violating my right to access my credit report. I have a legal right to view my credit report and to dispute items on my credit report and this company is blocking me from doing so.

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 2020-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2019, I have been trying to receive verification of debt from Portfolio Recovery Associates, LLC. All request have been sent registered mail with signature returned. The account that PRA is trying to collect is listed as my legal name and a unknown company name. After repeated request PRA has failed to produce any documents with any signature 's or legal binding information and refuses to close account and remove from all 3 credit reporting agencies. Also have disputed with all 3 major credit bureaus and not one has been able to provide proof of debt from PRA but have failed to remove as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In XX/XX/2019, I made a payment with Capital One. I was told the amount due was {$190.00} by the associate. I was then advised later that the amount due was {$190.00}. I was then reported as 30 days late. This was their error and they will not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: FL
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 am writing to request and initiate a formal complaint against XXXX, XXXX and Experian On XX/XX/2019, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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