BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between XXXX to XX/XX/2022, I was scammed purchasing clothes from an individual who claimed my package was flagged for 'XXXX XXXX ' by the police and coerced me into sending him continued payments. Attached are conversation logs with the individual as well as the fabricated police report sent to coerce me into payment. I contacted Discover Bank with the same evidence presented below and was not only met with no response from their dispute center for about a week ; but when I had contacted them they said they could not do anything about the dispute and subsequently sent letters claiming that they had contacted the seller and received no response, to which they have justified the transactions. I have further attached a log of the dates and transactions that had been posted to my Discover checkings account. I am appalled that with this level of evidence Discover has shut me out and claimed that I am in the wrong in this situation. I have also contacted XXXX, who not only refused to take my case but did the same for another dispute regarding the scam of {$95.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted fed loan servicing the summer of XXXX requesting a refund of all payments paid during the pandemic. I was told to wait 30 days and I should have the refund. I contacted them again around XX/XX/XXXX and was told that the loan was transferred to XXXX. I was told that they sent the request to refund payments paid since XX/XX/XXXX when my loan was transferred. I requested a payment history. Fedloan said that they do not have it because they transferred everything, including my history. 
I contacted XXXX regarding the refund request and payment history. They told me they could not refund payments were paid prior to the transfer and they do not have the payment history. 
On or around XX/XX/XXXX, I again contacted XXXX. I was told that they did not have a refund request in their system and it would take 90 days. They sent a payment history, 4 of the 7 original loans. 
It is now XX/XX/XXXX and I continue to have unresolved problems with my servicers. I have yet to receive the refund of over $ XXXX owed to me, they have not sent a payment history for all 7 of the loans. Fed loan servicing is no longer in business & I have not received the student loan interest tax document for XXXX. Any help resolving these issues is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: AL
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: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXXXXXX Owed : {$220.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX ; XXXX Balance Owed : {$0.00} XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX XXXX  Bankruptcy Date XXXX Reference # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We, the owners & occupiers, are age XXXX and XXXX, and both U.S. veterans. The mortgage holder is XXXX w/ mortgage being serviced thru US Bank . Whenever we contact the proper division of this bank, we stymied by no answers, no action ( many times ), conflicting info. We are an FHA mortgage, but are told yes, no, yes, no from US Bank. Then, on active applications for assistance, we received letters of approved forebearances, yet at the same time receive threating notices and actual lawsuits filed against us in XX/XX/XXXX for foreclosure. We do everything by the rules, Act 90 ( PA ), forebearance applications, constant contact w/ all proper " personal Bank counselors '' & still we feel we are in " limbo '' On 4 occasions, US Bank could not find our account #, and access is denied when we go on line. We sit here under our doctor 's care with leftover sickness of having XXXX from XX/XX/XXXX, and basically XXXX with XXXX, XXXX, XXXX, XXXX XXXX. We can not move to a retirement homes that have no protection from virus and its Delta variant  and others even having had our vaccines. 

We lost a major portion of our monthly income due to customers not paying what they owe us, citing loss of jobs and income themselves since XXXX. 

US Bank should have a main address to correspond with, but they have several with personnel having to re-route or delay replie that do not come. At one point, they had a malfunctioning appraiser come to our property, but wound up according to the 8x10 photos*, appraising the neighbor 's garage AT {$150000.00}. Thus, they think our home independently appraised in XXXX at {$400000.00} and with actual costs of $ XXXX when built ( every receipt/contract available ) is worth 60 % less than appraised and 77 % less than cost. 

We lived here more than 20 years here, and have no other living arrangements that will accommodate our age and physical condition. In fact, we were of the believe that there was such insurance from FHA to work out a fair agreement. 

*photos in both Bank and our possession

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 2021-07-27
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage with LoanCare company. I paid off the full mortgage amount at the end of XX/XX/2021, however an extra monthly payment for {$1200.00} went thru automatically from bank. LoanCare got the check from my bank and they cashed it ( attached documentation ) however as the account was closed they didn't deposit the money into the escrow account so the money got " lost ''. For over 5 months I'm being trying to get the {$1200.00} refunded with no luck, I have provided proof that the they have cashed the check and received the money, I have escalated this to many of their " management '' team and they just said " we sent you a check '' but no check received. I was asked to talk with XXXX XXXX ( Office of the customer ). the Phone number provided ( XXXX XXXX Ext XXXX ) most of the time get a message to call during regular office hours ( which are the ones I have been calling ). The extension number provided ( XXXX ) is invalid. For couple of times left a message to be contacted back however no one is calling. 
In my view, a financial institution loosing the money is against any financial regulations. The account number is XXXX my name is 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 2023-07-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXXXXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 made a reservation at XXXX  XXXX  on XX/XX/2021 for {$350.00} that was to hold the reservation. The {$350.00} would be applied toward the bill ( I have the message to prove this ). The {$350.00} was not applied towards my bill. I used my credit card twice at XXXX  XXXX  on XX/XX/2021 ; one for the amount of {$640.00} and again for the amount of {$370.00}. The {$350.00} should have been applied to either of those transactions but it was not. When I asked the server about it, I was told the {$350.00} would be returned to my credit card instead. The funds were never returned. I have tried contacting XXXX XXXX several times but I get no response. A dispute for {$350.00} was submitted to Navy Federal Credit Union. The dispute was closed by Navy Federal Credit Union without returning the funds. I have all the documentation to prove the {$350.00} should have been applied to my bill but wasn't and I am not able to reach XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: LA
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 submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I disputed a {$1600.00} I requested that the debt be validated in that request.

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 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I applied a Capital One credit card around XX/XX/XXXX and got approval instantly. Once I set up the app I noticed the {$95.00} annual fee was posted on the 2nd day. Then I realized that the card was suspended and was told that I need to submit additional documents for manual review. I did and after numerous following up I found out in XXXX weeks the account was already closed by a mail dated XX/XX/28. I tried to dispute the decision but they insisted the decision was irreversible. I accepted it although I have every reason to believe it was an unfair treatment and can support with solid document evidence, as I realized how frustrating it was to deal with a company with no customer service at all. 

The problem is the {$95.00} fee was still there, for an account stayed active for only ONE DAY! I contacted them and was told it would be credit back on next statement date. However, instead of reversing/crediting back the annual fee, it started accumulating interest. That totally leaves me speechless. I called again last night and after being transferred many times, a lady claimed to be the highest rank for phone communication section told me it was not reversible and they could do nothing about it. You may choose your customer, but it is not making any sense to charge an annual fee for an new account only existed for one day and closed by the creditor using unsupported reason!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: Information belongs to someone else

Complaint:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX XXXX XXXX XX/XX/2023. 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 non-monetary relief
Consumer complaint received 2021-07-28
Company: WESBANCO BANK, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I was made aware that checks that I wrote from my Wesbanco bank account on behalf of my XXXX XXXX, the XXXX XXXX XXXX, were stolen out of a blue postal service mail box in my neighborhood on XX/XX/XXXX, altered, and cashed for fraudulent amounts. While I have only ever written checks to XXXX XXXX vendors from that account for small amounts ranging from {$5.00} to {$150.00}, the following transactions were approved by XXXX XXXX XXXX XXXX as they were deposited into accounts in that bank : check # XXXX to XXXX XXXX for {$900.00} check # XXXX to XXXX XXXX for {$950.00} check # XXXX to XXXX XXXX for {$950.00} It is very clear from the check images that my original signature was not used and that they were tampered with. I filed a police report with the XXXX Police ( report # XXXX ) and the police confirmed there have been many cases of this fraud happening and I was not a singular case. I also filed a report with the U.S. Postal Service Inspector General, and filled out a fraud/forgery investigation form with the bank. 

The Postal Inspector 's information is below : XXXX XXXX Postal Inspector - Mail Theft U.S. Postal Inspection Service XXXX  Division XXXX ( Desk ) I have asked about the status of having my stolen funding of {$2800.00} refunded back into my account so I can fund my farmers market operations, and Wesbanco keeps informing me that I need to have some further evidence of what the original amounts on the checks had been before XXXX XXXX XXXX XXXX will reimburse Wesbanco, and then Wesbanco would reimburse me. 

I have told Wesbanco that my records show that I wrote the checks in alphabetical order ( 9 were stolen and only 3 were deposited ) and that would mean the original amounts and payees were as follows : XXXX 'XXXX XXXX - {$92.00} - XXXX XXXX XXXX XXXX - {$10.00} - XXXX XXXX XXXX XXXX XXXX - {$10.00} - XXXX All of vendors confirmed that they never got the checks I had originally mailed them. 

But XXXX XXXX XXXX XXXX is telling Wesbanco I need more evidence, which I simply can not produce because I wrote the checks quickly and did not mark them in a check register. 

I need help pushing this forward in order to continue to fund my farmers market operations and it seems to be at a standstill where XXXX XXXX XXXX XXXX does not want to pay for the fraudulent account that they held for XXXX XXXX ( s ). 

I believe other evidence would be to look at all other checks I have written on behalf of the market to review handwriting as well as notes - I have never written a check for " Labor, '' for example, and XXXX XXXX ( s ) is not employeed by the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: SC
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 is my 9th 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} US DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 CPS XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 was advised by a Consumer Rights Attorney, These late payments on my account are against the law and I need them removed as soon as possible. 15 u.s. Code 1681a ( 2 ) ( A ) ( i ) states that my consumer report should not contain information regarding transactions or experiences between me and person making report. A LATE PAYMENT IS A TRANSACTION AND A NEGATIVE EXPERIENCE, therefore this account is illegal. THIS IS MY LAST TIME TRYING TO RESOLVE THIS, A LEGAL COMPLAINT WILL BE FILED IF THIS ISN'T FIXED.

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 2023-07-28
Company: EQUIFAX, 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:
This is my 10th 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 XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$5800.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$1300.00} 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 Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed XXXX {$230.00} 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 2021-07-28
Company: LEXISNEXIS
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted a security freeze and opt-out request to LexisNexis Consumer Center in early XXXX. They responded with a series of conflicting, ambiguous correspondence implying there are multiple files, then a few days later send a letter indicating they can not process my request, but fail to indicate which request. I sent a dispute letter on XX/XX/2021, and they failed to answer the dispute. These companies hold a lot of power and can and do affect the livelihood of consumers with the flip of a switch ; I expect their communication to be timely and unambiguous, and in my opinion, the law requires it.

Company response to consumer: Closed with explanation