BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2018 I submitted a bill payment using America Express Serve in the amount of XXXX. XX/XX/2018 it was to be delivered. All went well until, XXXX XXXX XXXX advised to send a money order or pay in cash. They sent/mailed the check back to me. I got it and on XX/XX/2018 I filed a dispute with AMEX serve. 36 reps later, 5 migraines, and I still do not have my {$120.00}. I checked with the payment processing center number on the check they wrote and they couldn't do much to help me but they did say the stop payment was completed on their end. I have to pay my loan with those funds and they are holding them. here is a breakdown of the timeline of me calling : XX/XX/2018 Transaction was made XX/XX/2018 was the date it would be delivered to the merchant XX/XX/2018 the original dispute was requested XX/XX/2018-was told next follow up will be the XXXX XXXX I was told that i would be followed up with the same day. An email was sent to the back office and they responded saying I will be notified when credit is made to the account XXXXanother follow up was sent to the back office and yet no reply XX/XX/2018 advised dispute in process and that i will be notified once an update/advised 10 business days and still no resolution XXXX this is still in process and customer will be notified when the credit is placed on their account still no resolution XXXX Management above back-office would be emailed, today technically is the 10th day. so story changed again still no resolution So what it boils down to is that the back-office still did not provide any response but that " This is still in progress '' and we will notify the customer when it is completed 36 calls were made with no resolution at all. 
I have also written their feedback site, along with tried attorneys and I am not getting any help. Can you guys give me some hope??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my information, which puts me and several hundred thousand other people at  risk. I am listed as a potential victim according to their website, and would like a resolution. They should pay for credit monitoring etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To Whom it May Concern, On XX/XX/2022, I received a call from what appeared to be our electric company XXXX XXXX, or commonly known as XXXX. 

A threat of electric disconnection unless immediate payment was transmitted via XXXX. 

I was provided 2 property addresses of buildings we own including the XXXX account numbers. The accounts were temporary because the units were empty. The electric accounts were in our names as landlord. 

I followed instruction and made 2 electric transfers to 2 XXXX accounts totaling {$860.00}. 

This turned out to be fraudulent. Not a scam but fraud. Somehow the caller had private XXXX account information, property addresses and name on the accounts. Had this info not been provided, I would have never made the electronic payments. 

With XXXX, there is no safety net. Once transmitted, the funds can not be reversed. 

I immediately contact Chase Bank fraud department. Followed up with 1. The IL Commerce Division, 2. The Office of the Comptroller, 3. The IL Attorney General, 4. The Special Financial Crimes Unit of the XXXX Police Department. Your department is the 5th authority pursed concerning this matter.

A 40 minute discussion with the XXXX Police Department Financial Crimes Dept revealed that the police will never prosecute Chase Bank. They simply explained that the man power does not exist. They said, we are lucky that such a small amount was stolen. 

We are not the only citizens to experience both fraud and scams using XXXX electronic payments. 

If XXXX digit is incorrect and funds are transmitted, there is no reversal available to the public. 

Unless a unified effort is garnered to regulate the 5 banks that own XXXX, unknown how many other banks offer XXXX, such financial fraud will continue against the unknowing public. 

We are respectively requesting a unified effort by all agencies to regulate or file litigation against the banks that control XXXX to create a safety net to reverse funds when using XXXX to transmit funds for any payment when fraudulent or a scam. 

The case # for the Office of the Comptroller of the Currency is # XXXX. 

Kindly let us know that this letter was received, if any further investigation is warranted and whether or not litigation against the banks that created and control XXXX electronic transfers would be pursued. 

Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: AR
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:
FOR THE PAST SEVERAL MONTHS EXPERIAN HAS REPORTED SOME FRAUDULENT ACCOUNTS AND ADDRESSES TO MY CREDIT FILE. AFTER TWO FRAUDULENT ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  WERE REMOVED I NOTICED THAT THESE ADDRESSES ARE REAPPEARING ON MY CREDIT REPORT AND SHOULD NOT BE. I'VE NEVER RESIDED OR ESTABLISHED OPENED ANY ACCOUNTS ASSOCIATED WITH THOSE ADDRESSES. I HAVE SENT EXPERIAN SEVERAL NOTICES REGARDING INACCURATE ADDRESSES AND ACCOUNS BUT EXPERIAN CONTINUES TO VIOLATE THE FAIR CREDIT REPORTING ACT AND MY RIGHTS AS A CONSUMER. THIS IS UNACCEPTABLE NOT TO MENTION THE REPORTING OF TWO FRAUD RELATED ACCOUNTS FROM XXXX XXXX AND XXXX XXXX WHICH EXPERIAN HAS RECEIVED A RECENT POLICE REPORT WITH THOSE ACCOUNTS INCLUDED IN THE POLICE REPORT XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Synovus Bank
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my account on XX/XX/2023. I called XX/XX/XXXX to check on my {$200.00} refund. I previously filed a complaint about this experience and completed a written request twice for the {$200.00} refund to be processed quicker than 10 weeks. On XX/XX/XXXX, a response was filed for my complaint that stated a check has already been processed ( which conflicts with information from the customer service agent when I called as he stated no checks were mailed yet as it takes 10 weeks ). I have received 2 statements following my account closure and still no check. My address has been verified and the check has not been sent to me. I would like a new {$200.00} check mailed to me immediately with proof via a tracking number or shipping confirmation that it has been sent. I am well passed 10 weeks from the time of my account closure. Calling has not provided any information as they can not access the department who sends checks. Filing complaints is the only way I have been able to receive ANY response with helpful information. All I want is for my refund to be sent immediately and I will be completely done dealing with this company. Please refund the {$200.00} and provide proof in the response to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Self Financial 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 SELFXXXX XXXX account number:XXXX has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT IS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACOUNT INFORMATION WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: OH
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 date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX   {$2300.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$140.00} I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX XXXX and my address is XXXX XXXX XXXX # XXXX, XXXX OH. XXXX. I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: WELLS FARGO & COMPANY
State: NJ
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:
XX/XX/2018 : Purchased Goods from XXXX XXXX XXXX, {$390.00} ( XXXX XXXX  ). 
XX/XX/2018 : Returned Goods to XXXX XXXX XXXX via XXXX XXXX, tracking numbers collected/saved and can be shared upon request. 
XX/XX/2018 : Opened Dispute with Card Issuer ( Wells Fargo ) for the aforementioned transaction after my return has been processed/confirmed, but the refund has been denied. Dispute Opened for {$390.00} ( XXXX XXXX ). 
XX/XX/2018 : Verbally Notified by Card Issuer ( Wells Fargo ) that the aforementioned dispute has been closed due to an error on their end with the tracking information. Verbally Notified to open a second chargeback via XXXX since Wells Fargo could not fix their mistake. Contacted XXXX to open a second chargeback, provided tracking information. Claim Numbers collected/saved and can be shared upon request. 
XX/XX/2018 : Verbally/In-Writing Notified by XXXX, Wells Fargo has closed the claim in my favor, contact Wells Fargo for a timeline of when my funds will be back into my account. Called Wells Fargo, had no trail of this decision from their end and hung up on me. Continued Calling, same negative response, after contradicting information from the other party. 
XX/XX/2018 : Called Wells Fargo, again. Unable to explain what happened, unable to come up with a solution, unable to inform me with alternative solutions to this occurrence, hung up again. Called XXXX, unable to assist as their hands were tied and the final step of the claim ( my funds being released ) were up to them.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX  slanders and harasses me over a {$1400.00} bill that isn't mine! Refuses to remove from my credit report. I didn't use the account they billed me during the time I was billed and no longer lived at that address I didn't ever get a bill in the mail because I wasn't using that name or address or account and didn't realize it was still open! A person shouldn't get harassed everyday in their car by a group of men who slander and tell everyone they need " taken care of '' for a credit bill of {$1400.00} that is being disputed. I don't need taken care of, I'm a independent woman on my own paying my bills for 17 years!!!! I didn't know there was a bill until it appeared on my credit report!!!!!!!!! Even if it was my bill, which it isn't, I don't have to pay a company that slanders me defames me and XXXX harasses me over a {$1400.00} bill. Who the XXXX XXXX XXXX XXXX XXXX XXXX * do you think you are?????? I don't need a man, I don't need a boyfriend, I don't need other people, what I need is for you to stop sending loan sharks to harass me in my car!!!!!!!!!!!!!!!!

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 2022-09-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OK
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 recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

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 2023-07-26
Company: EQUIFAX, 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2022-09-03
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a prepaid net spend debit card from XXXX XXXX, in the amount of {$45.00} I followed the instructions in order to activate my card. Unfortunately, the card wouldn't allow me to activate, not allow me to have access in usage of the card I spoke with net spend about the issue that was encountering After speaking with more than five representatives, that appeared to be quite incompetent in assisting me I was informed that the card was not only restricted I would be issued out a check for {$39.00} within ten business days It's been over two weeks since this problem has occurred Net spend, or XXXX  XXXX has not refunded my money Kindly rectify this matter please Cell ( XXXX ) XXXX Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pay pal/ Synchrony Financial Bank states that I have a {$4900.00} credit limit account with them. There is a balance {$1400.00} that I supposedly used. I've never signed for that type of card or loan with them nor for that amount. I requested to see the original contract for proof the ownership for that account. They informed me that they don't have a contract to show me. 
The company has also made a payment to themselves on the account XXXX XXXX and stated it was from me in an effort to re-start the status of the account. Ive not made a payment to pay pal in XXXX from any account that I own because Ive been disputing the account since the closing on XX/XX/XXXX when I noticed the account details.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: CA
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:
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 CARD # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX BANK # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # 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. And i have filed police report This is not my accounts They are fraudulent I repeat they are fraudulent accounts

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 2022-09-03
Company: PENTAGON FEDERAL CREDIT UNION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
It or identity was stolen go back as far as XXXXto currently also have my bank account lock out due this situation and it XXXX dollars and didn't receive taxes for XXXX XXXX and miss 3 stimulus checks want my funds in my account release and send out new checks from stimulus

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 2022-09-03
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not received a statement for the months of XX/XX/2022 and XX/XX/2022. This is my third request for the XX/XX/2022 statement. Please forward the XX/XX/2022 and XX/XX/2022 statements. 

Also I still can not access my account online. There is an issue with the system on your end. I can log on but it says my account data could not be verified. Please see the attached screenshot. Thanks

Company response to consumer: Closed with explanation