BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit 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:
American Express Credit Card is violating my rights as well as their own terms and conditions. 
The scenario is as follows. I made two purchases for the same dollar amount from the same merchant XXXX. Both charges are for the same item in different sizes. I returned BOTH and have 2 separate receipts for each item returned where the merchant promised me a refund. 
The credits however failed to materialize on my Amex credit card account for both charges, where only ONE of the charges was actually credited to my account not two. I proceeded to dispute the case with my bank, American Express, and for months on end they have refused to credit me despite me providing PROOF of both returns. 
This isnt a case of he said she said, its a clear cut case where I do not have the merchandise since the merchant already ACCEPTED it back and promised a refund. 

I tried to go to the merchant which is a huge company and the clerks do not have the power to help me since they already processed the refund on their end. Additionally the merchant later on states that I return too many items and they do not want to help me further to get the money back from Amex. They are not required to accept my return but they ARE required to refund me in the event that they do accept the return as in this case so where is my money. 

Regardless, Amex is the bank and they are the ones who have access to my money which is rightfully owed to me as proven by my receipts. 
Amex however, refuses to give me my money back dragging this along for months spitting back generic robotic communications as to why they will not refund me. Sometimes they even brush me off saying that I already was refunded. This is absurd as I explained to them so clearly that I was refunded only once but not twice as I am supposed to be. 
Again this is a violation of my rights as I provided clear proof from the merchant that owes me the money based on returning both items. 

( I might add that the worst part of this ordeal is how Amex completely disregards me as a customer dragging this on for months and not even communicating with me. Rather they just close the case after several weeks of no communication with a generic response often robotic ). 

The amount in question is {$3400.00} This is an ongoing case since XX/XX/2023. 

I have attached both receipts showing 2 separate invoices for credit. I am due still one more credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells Fargo kept charging me overdraft fees and continued to let the card be used. I told them the account was closed There was no money left yet they kept allowing it to be used and charged a ton of overdraft fees. I complained a lot but they didnt do anything

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 2022-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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 have 2 charges for XXXX on XX/XX/XXXX {$34.00} and a {$10.00} fee for a cash advance although it is a purchase. XX/XX/XXXX same merchant XXXX purchase however Capital One is alleging it is a cash advance which it isnt for {$92.00} and a {$10.00} fee. Per the supervisor I spoke with I was told to dispute both transactions as a purchase not as a cash advance I did that. Capital One comes back alleging they cant help me, the merchant processed it as a purchase. I have done business with this merchant in XX/XX/2022 and prior no issue. I am asking capital one to credit all interest, fees, and the correct amount of the purchase back. I did business with this merchant only as a purchase!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2022-12-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
When first opening my account with Citi Bank I opted-out of overdraught protection, Citi Bank saw a demand for payment enter and paid a company i was doing business with, that asked for {$2500.00}, actually i didn't have nearly that much inside my account for that amount and i would have disagreed with that amount that XXXX company was asking, I would have needed to review it with XXXX XXXX. My bank, Citi Bank without asking or without contacting me, claims that they paid the full amount to XXXX Co. I have not seen any documents that Citi really paid XXXX that amount After many attempts I spoke to a representative in recovery dept of XXXX XXXX Car, the Rep told me yes, they had been paid by my bank, I ask the rep to send me a confirmation to my email, what he sent did not confirm it. Now, my checking account sits in a negative for over XXXX and I can't use it to pay my bill and conduct my business.I would have set up a payment plan with XXXX, but was inform the charges was cleared by Citi Bank.i did not write XXXX a check for the last amount, XXXX just used my credit card number to add to original charges, that i should have reviewed before my pay it. Citi Bank committed a negligence and breached the level of care and concern for me as a client.Citi bank 's omission of of a duty to me, to see a suspicious transaction and first report it to me before paying it.since my checking account has never had a single deposit of over XXXX dollars.Before Abitration I want my account cleared because of the delays in me knowing the truth of Citi bank not really having paid XXXX nothing, and it is an obvious conspiracy to omit the use of my checking account. Citi Bank committed a Fraud act against me account and relationship with Bank. XX/XX/2022 beginning date of fraudent negligence. 

Now, Citi Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
The following inquiries on my reports are unauthorized and not mine : XXXXXXXX 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XXXX of 2023, after reviewing my credit report due to identity theft with a fraudulent XXXX XXXX XXXX account, I discovered a Capital One credit card under my name with an outstanding balance of over {$3000.00}. I called Capital One to request information about the account and they gave me no information. I started a fraud investigation with capital one and they closed the account. I also added a fraud alert to my credit report and filed a police report. Capital one denied the fraudulent account investigation and reported my bill as past due. They would not give me any information as to why they denied the investigation. I disputed the results, and later received a form letter stating they denied the account was fraudulent again. Capital One then sent me a bill for a past due balance but has not previously sent me any other bills or statements. I will not pay a bill if I do not know what the charges are for and they refuse to send me a statement. I called and they would give me no more information. I started a dispute via XXXX. This account is fraudulent, I did not apply for or authorize the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
my car has been repo 2 days ago due to non payment in 8 months but from my understanding was that repo comes after your car within 2-3 months i have checked my wells Fargo account and the money has been withdrawn monthly from my account but the finance company for my vehicle is XXXX XXXX XXXX states they have not received payment in 8 months. the money is not in my account. the money was not received towards the car payment. where is my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have a XXXX yr CD that has reached maturity with Synchrony Bank and they are telling me they have a policy that will take XXXX or XXXX business days in order to DECIDE whether or not to honor my REQUEST to get my funds sent back to my XXXX bank account via XXXX transfer. Then it will take XXXX XXXX days for the XXXX transfer ... yikes! 

I have read online that Synchrony is under investigation for false claims and " flagging '' CD accounts as FRAUD in order to keep people 's money for months ... interest free ... instead of returning people 's money to them... 

I called CFPB about this and was told to call XXXX Rules which I did. THEY told me to call FDIC, which I did and was told to call CFPB! 

So, I don't know what to do. There doesn't seem to be any kind of XXXX XXXX or tracking of XXXX transfers, and I am afraid my account still shows that it is in the grace period and not closed and NOT on its way back to me! 

This scares me because this money IS my retirement!

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 2023-06-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I have filed many letters to XXXX, XXXX and Equifax about the inquiries on my credit report that I dont recognize as well as filed ftc reports. They have not responded to my dispute letters in timely manner nor responded to my follow up letters in compliance with the FCRA and are sabotaging my credit report which is keeping me from buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: TN
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 credit bureau has violated my rights 15USC1681 section 602 A states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX XXXX XXXX XXXX, Account name : 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 XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-22
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX I submitted a dispute. The dispute came back as verified. I then wrote the bureau and asked for a reinvestigation. I went to check the status of the reinvestigation and could not see the results. My letter for reinvestigation was received on XX/XX/XXXX... The bureau submitted my dispute on XX/XX/XXXX ... and the results were ready by XX/XX/XXXX. on XX/XX/XXXX after waiting weeks to see the results of the dispute i called the bureau to find out why the dispute was completed without me seeing the results/outcome. I was told by a representative that the account i disputed would remain on my report even though i was never provided results or what i initially asked for in the reinvestigation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent several disputes to all three consumer reporting companies, XXXX, XXXX, and Equifax for well over 4 years now. I have sent supporting documents that these are not my account all related to identity theft. I have been classified as having a mixed file for over 10 years, however they take the accounts off and then put them back on my report without legally notify me before doing so. These companies are only out for the creditors they do absolute nothing to help the consumer even after you send in supporting documents that they ask you yo send in. I would respectfully like them to do more research before assuming the consumer is wrong. I have requested documents stating how they verify the account but have not received the information, and verify the address, name matches isn't variable documents. I need the original agreement, contract and a copy of my legal signature, in which I know they can't provide since the accounts are fraudulent. I also contacted each creditor and have not received responses from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Good evening, I'm writing to you because Equifax is breaking the FCRA laws. 
I was a victim of Identity Theft and I have shown them an overwhelming amount of evidence to prove that these accounts were not opened by me.

They always say something different or give me the run around.

They deny my block of Reporting Identity Theft accounts because they claim to have verified the information with the furnisher but haven't sent me a detailed description of their procedures which breaks FCRA 611 - 15 U.S.C. 1681i.

These accounts were the only thing holding me back from obtaining a loan to save myself eviction.

There are so many violations and it just isn't fair!

I should get some type of compensation for this because Equifax clearly is just getting away with too much. 
Please make sure you deal with them promptly. I have attached my recent letter to Equifax asking for proof and even discrediting their investigation and still they deny it. 
Please help me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: MS
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:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo Card Services was paid in full in 2017, regarding and alleged account ending in XXXX, they are harassing me by continuing to report a damaging account on my consumer report and it has caused me damages and denials of credit, they are in violation of 15 USC 1692d harassment or abuse. In accordance with 15 USC 1692a the term creditor is a natural person and thats the law. I am enforcing my rights according to 15 USC 1640 civil liability for the amount of {$2000.00} from Wells Fargo Card Services for damages

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Sir/Madam, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed on my account by mistake, and I would like to appeal this decision. 

First and foremost, I would like to emphasize that I have not violated any PayPal policy. I have always used my account in compliance with the terms and conditions outlined by PayPal, and I have never engaged in any activities that could be deemed inappropriate or fraudulent. Therefore, I believe that the permanent limitation placed on my account is unjustified and unwarranted. 

I would like to kindly request that PayPal re-investigates my case thoroughly and restores my account if possible. I am confident that upon review of my account history, PayPal will come to the conclusion that the limitation was placed by mistake. 

I understand that PayPal takes its policies and procedures seriously, and I fully respect the need for security and compliance in online financial transactions. However, I would like to point out that the limitation placed on my account has caused significant inconvenience and has negatively impacted my ability to conduct my personal and professional affairs. 

I sincerely hope that PayPal will take my appeal into consideration and will work to resolve this issue in a timely and efficient manner. I thank you in advance for your time and attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation