BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Dear Sir or Madam, I would like to file a complaint against Bank Of America regarding a a Air Ticket purchase transaction from XXXX XXXX on XX/XX/2022 and the said transaction was declined by Bank Of America at the same time of ticket reservation and as a result of that XXXX XXXX cancelled my reservation and voided my tickets. Later I discovered that Bank Of America placed a charge of {$3100.00} on my credit card for the XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX and they informed me that they never receive the said transaction from Bank Of America and I should contact them to resolve this issue with them. I called Bank Of America on XX/XX/XXXX and spoke with XXXX of their representative who informed me that is a typical process and it can take between XXXX business days to clear the disputed amount from my account. I checked my account today XX/XX/2022 and found that the same transaction still showing at my account with the status of pending. I called Bank Of America and I was informed that XXXX XXXX has to send back the transaction and they are waiting for that and it can take up to XXXX business days and I have to check back with XXXX XXXX. I called XXXX XXXX today XX/XX/2022 at XXXX AM and their representative confirmed that they never receive and transaction for my cancelled tickets from Bank Of America, and they send me an email per my request confirming this statement. I called Bank Of America and spoke with XXXX and his supervisor XXXX who insisted that I have to wait XXXX  days. I am failing this complaint as Bank Of America unjustly posted a transaction never took place of {$3100.00} against my credit card account and unprofessionally justified this action by saying it is their standard procedures.. 

I am forward to you the email from XXXX XXXX confirming that they never receive the said transaction from Bank Of America Thanks XXXX XXXX XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Tuesday, XX/XX/2022, XXXX AM XXXX Subject : RE : Void Ticket XXXX XXXX, We're sorry to inform you that the ticket that you bought was voided for security reasons. It means that the money was never taken by XXXX XXXX. Please, check this information with your bank and inform them that this amount ( XXXX USD ) has to be released to your account. 


Again, We're so sorry for the inconvenience and we hope that you can get your money back. 

Kind regards. 

ref : XXXX : ref

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 2019-07-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Experian to dispute a collection account that I did not identity. At the time my credit score was XXXX. They alerted me that the account was removed and lowered my credit score by XXXX points. This decrease in score moved me from GOOD credit to FAIR and there was no additional activity on my report besides the request I submitted to Experian about the collection account. If consumers are to be penalized for disputing incorrect information on our accounts then I really need to understand the rationale for credit score reporting. What happened to me has jeopardized my credit standing and may keep me from having access to additional credit on my existing accounts as well as more favorable interest rates from as I was downgraded from GOOD to FAIR. I ask that the XXXX points deducted from score be restored and a written reason be provided as to why the action was taken in the first place. A collection account was cited as the reason my score was not higher, yet, once addressed and removed my score dropped ... significantly.

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 2022-01-13
Company: Upstart Holdings, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was denied for a loan on the basis of not being able to provide a copy of my college transcripts. When I called in the representative that I spoke with on the phone told me that it was okay not to have them and that most people are able to provide copies. I believe that I'm being treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased furniture ( custom-made ) from XXXX XXXX for over {$5000.00} utilizing their credit card. The purchase took place on XXXX XXXX, XXXX, however, the merchandise arrived about three months later ( XXXX XXXX, XXXX ), which is later than they promised. During this time, XXXX XXXX charged my store credit card a lump sum, asked for payments, and issued finance charges and a late fee for merchandise that I did n't have yet. I disputed having to make payments and asked for the reversal of the late fee. They took away the minimum payment requirement and refunded the late fee, however, they continued charging me a finance charge. I have not been given an opportunity for even one full statement cycle after finally receiving my merchandise to pay this amount without a finance charge. The card has been paid off, however, I was charged a lot of finance charges ( I did manage to get a portion reversed ). This is absolutely unfair, and this practice must stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-09-13
Company: Ad Astra Recovery Services Inc
State: CA
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 corresponding with you to report a flagrant violation of the FDCPA and XXXX by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, XXXX this company received a letter from me where I disputed the accuracy and validity of this account which is the result of the fraudulent activity which has reported on my credit report and asked that they block the account from my credit report. The company has done nothing and in violation of my rights have kept reporting this account as a valid account on my credit report. This company continued to report this account which is a violation of FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: KEYCORP
State: ME
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:
The past XXXX of Key and the culture of his administration has relied on the motto XXXX XXXX XXXX. Key has increasingly externalized critical transactions such as transfers through anonymous call center personnel in other countries, where records have supposedly vanished and a bankruptcy of accountability prevails where and when expedient. 

Disputes over fees, misc. costs, fines, failure to transfer funds, etc. are deflected in a process where Key requires that these disputes be pursued with the Credit Bureaus and that it should be first processed through Key Bank. Obviously, these disputes are not with the Credit Bureau, which is of course only reporting Keys input. The dispute is with Key that uses Credit Bureau scoring as threats that can damage their clients borrowing ability, business line of credit, costs of insurance, etc. When these transactions such as money transfers through call centers in XXXX are contracted, it serves to externalize accountability of Key and masks their documentation of inbound calls, misinterpretation of client instructions and errors as simple as missing the submit button or forgetting to enter a transaction on their computer screen. 

When Keyss XXXX XXXX XXXX in Ohio is confronted with the details including identification of personnel making errors, the dismissive response is to bury the inquiry in XXXX pages of irrelevant white wash. 

If CFPD would like to make a difference, it would find a mother load in Keys exportation of liability to other countries to avoid accountability in Ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Lost {$160.00} from the transaction I sent needed it refunded to my fianc he gave me the money for this transfer and the company wo n't refund us

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: GA
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:
Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: JPMORGAN CHASE & CO.
State: MN
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:
Chase Credit Card Statements Chase continually refuses to provide credit card statements that have a XXXX  balance at the end of the billing period, even though there was a beginning balance and activity during the billing period! I believe 12 CFR 1026.7 requires credit card companies to provide XXXX balance statements as long as there is any activity during the billing period ( e.g. payments, credits, charges, etc. ). 

According to your own web site, I read the following guidelines ; " Otherwise, you should generally receive a statement for every billing cycle in which your account has a credit or charge of more than {$1.00}, or on which a finance charge has been imposed. '' ( see https : //www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-i-dont-receive-my-credit-card-bill-en-43/ ). 

For instance, I did not receive the following periodic statements : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also did not receive other XXXX balance statements from prior years. It appears that they did provide XXXX  balance statements up through XXXX. 

I do receive XXXX balance statements from many other credit card companies, just not Chase. 

When I worked in the financial industry, one of the things we saw that indicated possible fraud on a credit card was a charge and a credit for just {$1.00} or some other small dollar amount ( to test the validity of the account number ). If a customer does not receive a statement, they would likely not even know that there had been suspicious account activity. 

In summary, my complaint is that Chase refuses to provide XXXX balance statements even though there is activity during the billing period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: CO
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 recently disputed information with Experian and they once again refuse to abide by the law. Section XXXX of the FCRA specifically states that I as a consumer have the right to ask for PHYSICAL PROOF to support their verification process and they REFUSE to give me the information that I am asking for. The following items are still be listed on my credit report and they simply send me a new report stating the creditor verified the information. They are liars, frauds and are breaking the law. I am demanding that physical proof be sent to me. The law does not state that I have to contact the original creditor, The credit bureau has to provide the information that I am asking for and they WILL NOT Do it. 

Experian is reporting the following information and refuses to send me Physical Proof to show the account is 100 % compliant with the law meaning it is 100 % verifiable, 100 % complete and 100 % accurate. 
I am also wanting to report a XXXX XXXX Violation as they are not supplying me with full complete line item information. 

XXXX. XXXX XXXX XXXX. Listed with partial account number XXXX and this is a medical collection which is VIOLATING XXXX as no release was signed by me. 
XXXX. XXXX XXXX Services Listed with a partial account number of XXXX They refuse to send me physical proof. The burden of proof is not on me it is on you EXPERIAN to provide physical documentation or remove it. 
XXXX. XXXX XXXX Listed with a partial account number of XXXX they say the account meets the requirements of the FCRA. IT DOES NOT. No physical proof has been supplied to me even when I request it. They are reporting erroneous and inaccurate information against me with this one. XXXX can not provide a signed contract so how can Experian Verify it, they cant!

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 2022-06-14
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to close out my account with XXXX because of the mistreatment and price XXXX was charging. I paid off all my lines and caught up my bill with XXXX XX/XX/XXXX- {$340.00}, XX/XX/XXXX - {$570.00}, {$110.00}, XX/XX/XXXX - {$260.00}. 

I called on XX/XX/XXXX to close out my account because our numbers were ported to another provider, the first gentleman I spoke to told me I couldn't close out until end of billing cycle and to call back later. I called the day before the end of the billing cycle to close out my account the lady I spoke to told me all lines were suspended and that my bill was caught up ( XX/XX/XXXX payment ) and I was good to go. Fast forward two weeks and I got another bill. I called in and spent well over an hour to make sure all accounts were closed and she assured me everything was good and finally closed. Then in the beginning of XXXX I got a bill for {$45.00} I called into XXXX to let them know I have tried to let know I've been trying to close this out for a whole month and no one was helping me that I shouldn't have this charge. It was not my fault that no one was helping actually close my account for a WHOLE MONTH. 

I got a call today from the collection agency ( XX/XX/XXXX ) I explained to them to look through the account notes to see that I was calling in for a whole month to close an account i no longer needed and that the lady said my account was paid in full and that I wasn't paying the {$45.00} they claim still to be owned. He told me to have a nice day and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2022, an unauthorized organization ( USAA Savings Bank ) attempted to access my credit report. I have no affiliation with this organization at all and is unsure how and why my information was provided to them without consent. I received an alert from XXXX XXXX XXXX XXXX XXXX. After looking more into, I took action my making sure my credit report remained locked and was informed to report this to CFPB. I have a screenshot of the action and information regarding the bank who attempted to access my information without permission.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation