BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/16 I was charged {$40.00} " ANNUAL MEMBERSHIP FEE '' by my XXXX American Express Card. 

XXXX then quit their partnership with American Express, and the card account was transferred to XXXX where I was promptly charged another annual fee. 

I called XXXX and asked them to refund the {$40.00} I was charged on the American Express card and they said they couldn't because it was charged by American Express. 

I called American Express and asked them to refund the money and they said they couldn't because they no longer held the account. 

I opened a support case with American Express for this ( XXXX ) which was ultimately closed and they refused to reimburse my {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian reported the recent data breach involving millions of Americans. I went to their below website to see if I was affected. URL : https : //www.experian.comXXXX XXXX XXXX XXXX I submitted my email address and waited for their reply email as requested. It has now been three days and no reply. Today I signed up for free with Experian to contact them as I could not find any number or email. There is no email contact I could find. I found their number of XXXX. I was on hold for 13 minutes with no indication of how much longer I would be on hold. I gave up. They make it difficult to contact 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 2019-02-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling my parents home where I have not lived at for over 14 years repeatedly from XXXX-XXXX none stop. My parents have told them various times that i do not live there and they have continued to call from different numbers at all hours of the day.

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 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I am inquiring about the XX/XX/XXXX missed payment on the Band of America Auto Loan. I scheduled an auto-pay on the Bank of America App and the app did not schedule the payment on XX/XX/XXXX to the Auto-loan. I spoke with Bank Of America and was told it may possibly be a systematic error that has occurred, but they have not changed the false record of the missed payment.

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 2020-01-31
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX I purchased a mirror on XXXX from a seller in XXXX. I used PayPal. The total was {$430.00}. 5 minutes after I made payment the XXXX seller contacted me saying his PayPal acct was hacked and my payment didnt get to him. I immediately opened a case with PayPal per the sellers recommendation. He instructed me to submit the case as payment unauthorized. PayPal immediately closed my claim saying it wasnt unauthorized. I informed seller who says because he didnt receive payment that he wont ship mirror. PayPal will not allow me to reopen the claim as item not received nor allow me to escalate. So Im out {$430.00}. Their dispute process is purposefully deceptive. They advised me twice to click a non-existent link on bottom of page in resolution center for the case. Their chat bot will now allow me to talk to an agent, and their resolution center says its closed during a time they publish they are open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: Experian Information Solutions Inc.
State: NC
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:
As notified previously, I have been a victim of identity theft

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 2021-04-29
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was attempting to call XXXX XXXX app and XXXX the XXXX number, called XXXX and was a victim of phishing. They asked for information and gained access to my XXXX XXXX app account. My XXXX XXXX App was compromised on XX/XX/XXXX. I notified XXXX XXXX App and my bank of the breach. An investigation was completed by XXXX XXXX App indicating my account had been compromised and that I should contact my bank to expedite a refund of monies unauthorized. My bank denied my dispute indicating XXXX XXXX App would be responsible for refunding my money on XX/XX/XXXX. I contacted XXXX   App to again refund my funds totaling approximately {$5000.00}. To date I received a response via email, as XXXX App has no live phone support advising my file was being forwarded to the disputes department and someone would be in contact shortly. I have yet to get a response. I have been without my money for 10 days now and this is unimaginable as a mother of XXXX children. My entire account was wiped out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Calvary claim that I owe the debt and hired a law office called XXXX XXXX XXXX XXXX to collect the claimed debt, when I found out I requested with in 30 days to validate the debt using US certified mail from the law office on XX/XX/2021, who referred me to Calvary which I requested to verify the same debt in XX/XX/2021, all I received from them was questionnaire asking me question about the debt, and the only thing they refer to is a revised judgement they took without serving me and when I found out about it I immediately requested to show cause and the judgment was revised. and when I tried to call Calvary to question their behavior, they refer me to the attorney who referred me to a revised default judgement I mention earlier. Also, later on as if they register my number in there system not to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX with my mother s XXXX FAMILY DISCOUNT, MET WITH XXXX XXXX AT XXXX XXXX I SIGNED PAPERS BY MYSELF, THEN WE XXXX XXXX PUT PLATES ON THE CAR THEN DROVE OFF NOT KNOWING HOW MUCH A MONTH THIS CAR MONTHLY PAYMENTS WOULD BE, XXXX XXXX STZTED HE COULD NOT KNOW THE BANK WOULD TELL ME SOON AND DID NOT TELL ME A CONDITION CONTRACT MEANING I COULD NOT MAKE XXXX CAR NOTE WEEKLY PAYMENTS, CAR LATER STOLEN AND WHEN I CALLED TO FIND OUT THEY WOULD NOT TELL ME WHERE THE CAR WAS AND WOULD NOT LET ME PAY FOR ITS RETURN, REASONS WAS ITS NOT MY CAR, ITS XXXX XXXX CAR AND ONLY HER THEY WANT TO TALK TO AND NOW THEY CHASE HAS BEEN ON MY CREDIT REPORT 7 YRS AND I MADE {$100.00} PAYMENT PLAN TO SHOW IM COMMUNICATION WITH THEM EVEN THOUGH THE TREATED ME HORRIBLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CORELOGIC INC
State: NJ
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:
On XXXX XXXX, 2019, CREDCO add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, CREDCO add a hard inquiriy on my credit report per 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 2018-10-16
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I normally receive my direct deposit on Monday mornings since it is supposed to be posted on my account by Sunday night ( sometimes it will post on Sunday sometimes it will post Monday morning ). However, lately my direct deposit has been posting late Monday night and this particular pay period of : XX/XX/18-XX/XX/18 I have not received my direct deposit at all. Ive called Netspend customer care dept. and theyve continued to give me different time periods of when my direct deposit will be posted but I have yet to receive it. I have a car note that was due yesterday and if not paid by today : XX/XX/18, I will be forced to turn my car in which puts a strain on my transportation.

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 2021-02-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 had ordered furniture from Ashley Homestore online in late XXXX of XXXX. That furniture was delivered on XX/XX/XXXX and charged in the amount of {$1400.00} to my Synchrony Account. Ashley then attempted to deliver the same furniture again on XX/XX/XXXX but I told them I already received all of my furniture. Then, a 2nd charge of {$1800.00} was added to my Ashley Furniture Synchrony Account on XX/XX/XXXX. When I noticed this 2nd charge on XX/XX/XXXX and I informed Synchrony that this was not a valid charge. On XX/XX/XXXX, Synchrony informed me that the dispute was resolved, however the charge remained on my account. In the documentation they provided, Ashley used pictures of the furniture that had already been delivered as justification for the 2nd charge. I then contacted the Ashley store referenced in the documentation. She was able to determine the delivery team had stated that I accepted delivery of the 2nd set of furniture even though I did not. Once she realized the error, she informed me that my account would be refunded and I should see it reflected on my account in the next 2-3 statements. After the refund never appeared, I again contacted the same person at Ashley. She told me she didn't know why the refund never went through but that it would shortly. This back and forth continued every few weeks from the XXXX of XXXX until today. I contacted Ashley on XX/XX/XXXX because the open balance was still on my account and negatively affecting my credit. She informed me that corporate was issuing a refund that day and that I would be sent a confirmation email. I again contacted Ashley a week later on XX/XX/XXXX, because I still had not received an email or a refund on my account. She said it could take 7-14 days for the refund to process and she took my email address again and told me that she would make sure I got sent the confirmation email. Synchrony then marked my account as late and began charging me interest and late fees which severely impacted my credit score. I called Synchrony to inform them again that they need to remove any late fees as well as remove and fix the negative marks on my credit score. I told them that a refund should be processing from Ashley but they did not see it on their end yet. It is now XX/XX/XXXXand the refund from Ashley should have been processed however it has not. I have attempted to contact both Ashley and Synchrony and both are hanging up on me.

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 2022-12-03
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had my XXXX Loan deposit into my personal account, I did not know I needed a business Loan for my sole proprietor XXXX XXXX. I tried to withdraw funds from bank this morning and I was told my account was locked until I provided XXXX, XXXX, and tax documents. But those things were not and are not required to get a loan from the XXXX. I want my funds returned to me and account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: TX
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 very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 explanation
Consumer complaint received 2018-04-17
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with XXXX XXXX multiple times over the Spring, Summer and Fall of XX/XX/XXXX regarding an account that was reported to my credit file. I received a letter on XX/XX/XXXX from XXXX XXXX ( listed as Lead Compliance Representative ) stating that the account would be removed from the credit bureaus. The account was in fact removed from XX/XX/XXXXand XX/XX/XXXX, but was not removed from my experian credit file. I have since contacted the debt collector on a number of occasions ( most recently on XX/XX/XXXX ) to attempt to resolve and when I have contacted them I am transferred around multiple times, told that they can't assist me, and/or hung up on. XXXX XXXX is not honoring their promise to remove the account and is not giving me an outlet to resolve the issue.

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 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Case Number : XXXX Account Number XXXX XXXX XXXX billed on XX/XX/2020 for {$1700.00}. 

I bought 2 airline tickets on priceline using my capital one visa card. The airline cancelled the flight and I did not receive the tickets I paid for. XXXX refused to issue a refund. I spoke with XXXX on XX/XX/2020 and most recently on XX/XX/2020. The airline said that I would need to speak with XXXX about refunds ( since I paid them for the tickets ). With no other options available, I disputed the charge and provided evidence that I did not receive the goods and services I paid for. This included a letter from the airline stating they cancelled the flight. I also included US laws from dept of transpotation indicating refunds are required I. This isntance. XXXX falsly claimed in what appeared to be a routine prewritten response that the cutomer cancelled the flight. This was false and I provided evidence to the contrary. Capital One clearly did not review my evidence and simply denied my dispute stating that the. " merchant did not violate operating guidelines. They did not investigate or even address the fact that I did not receive the goods and services I paid for which was the basis for my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: CA
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:
There are several different issues with all the credit reporting agencies. One in particular is XXXX originating out of XXXX XXXX XXXX has numerous inquiries on my credit report. I have NEVER had an account with them but they are constantly inquiring about my address, credit score, and reporting. In addition XXXX XXXX has permission to inquire about my credit standing which I have never approved. The three agencies have reported employment information incorrectly, disputes incorrectly, as well as living residences incorrectly. Also, my name has never been XXXX XXXX and other variations of this but I have only had approved accounts with XXXX XXXX, or XXXX XXXX. XXXX and finally XXXX XXXX XXXX. They wont correct this.

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 2021-04-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are incorrect addresses and misspelled names on my credit report that i asked to be removed well over 30 days ago and yet they still appear there

Company response to consumer: Closed with explanation