BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I called XXXX the travel site. I booked a hotel rooms for XXXX 2021 through XXXX. The agent charged my USAA debit card ending in XXXX. Upon arriving to the hotel the clerk could not find my reservation. I called XXXX at XXXX XXXX XXXX XXXX and they stated the rep put in the request for XX/XX/2021 through XX/XX/2021. XXXX apologized and stated they would refund my fee and cancel my booking. After leaving the hotel I was assured by XXXX to expect a refund within 3-5 business days. 

After a week I again called XXXX who stated they put in the request to XXXX XXXX to refund my card. I called XXXX XXXX at XXXX the cashier said she would have a supervisor call me back. They never did. 

I called USAA in XXXX. Spoke with a rep. She stated she would institute a Dispute and they would issue a temporary credit. I received a letter on XX/XX/2021 which I will enclose stating they need more information and giving me a due date of XX/XX/2021. 

I enclosed the reservation from XXXX. The cancelled booking from XXXX and proof of the payment via my debit card I provided my bank statement from USAA showing my $ XXXX charge to my card. 

I called the CS rep after to I submitted my documents to speak to the Dispute to both verify that they could see my documents and that this was all I needed. I was informed by the rep that the dispute department DOES not take calls but she would send a message over to them to give me a call if they had any questions or concerns. She was able to look and verify that I did submit documents. 

I heard nothing else but received a letter XX/XX/2021 stated that they either did NOT get my documents or they were not what they needed. This is not true. The copy of the voided receipt was furnished. And the copy of my bank statement was furnished as well. Also I furnished the cancelled booking as well. 
They are saying they are going to reverse the Temp Credit and charge my account on XX/XX/202 for {$310.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: AL
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 15 USC 1681 : 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXX XXXX Account # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 6 XXXX XXXX XXXX XXXX XXXX  # XXXX 7 XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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 explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is in violation of the court order and stipuation agreement signed XXXX22 identified as XXXX 

Wells Fargo refused to offer the restorative orders of the court and failed to take steps after acknowledging that they took " proactice business decisions '' and extending the forbearance without borrowers knowledge and a a result denied a modification request under the XXXX XXXX XXXX under the VA loan progrom for mitigation. Wells fargo failed to offer and present options for home preservation at the end of the inital 3 month forbearance period and every period of extension therafter. 

These actions are directly in line with the reason why the CFPB fined and imposed penalties and restorative order and stipulation agreement against Wells Fargo in the first place. I have been denied a modification based on an illegal forebearance and breach of contract and breach of good faith by Wells Fargo. There is also a pending class actions before the courts for this same action of illegal business practices violating consumer and finance law which stems from the illegal business practices of automatically extending forebearances without the borrowers conscent or knowledge. 

I reached of the XXXX at the mediation line who told me there was no process to further evaluate claims for restitution under the referenced CFPB order and stipulation. XXXX further referenced me to the executive office who I have filed XXXX case files to investigate the illegal practrices of forbearance and loan modicfication denials which is specifically stated in the order as being affected. 

Wells Fargo has failed to put a system in place to identify those affected by the illegal practices identified and agree in the order. Wells fargo ( customer agent in the mediation department to identify those affected ) told me to " had to take other calls '' when I asked to research and investigate and conference with the executive office. I had both the executive office and the mediation person on the phone line established for the pupose of the CFPB order and XXXX refused to conference and investigate the nature of the request for restitution as stated in the order. 

The request for resitution under the CFPB order was also brought to the executive office many times who had no knowledge of the CFPB Order. They subsequented closed all the cases and deemed the case " resolved '' I am requesting that the CFPB investigate Wells Fargo for failure to comply with the Court Order and Stipulation agreement dated XXXX XXXX 2022 and attached hereto.

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 2018-08-22
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: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX Account XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: KY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: CA
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 filed a dispute with eXXXX/Experian on XX/XX/XXXX to close and remove the account for the department of education XXXX XXXX updated the account, but XXXX still has an open account on their report. I called the department of education and they sent me a letter and confirmed to me all accounts have been paid and closed. The department of education says they have a record that XXXX reached out to them and they told them my account is closed. It has been over 45 days and XXXX still has the open account on my record. The XXXX score is XXXX points lower than the XXXX score. XXXX is currently blocking me from locking in an interest rate. XXXX is unfairly keeping my score low when the other credit reporting agencies show a higher score. XXXX says they didnt receive a response from the department of education XXXX but when I called there department of education they confirmed they told XXXX XXXX accounts were closed. XXXX has taken well over 45 days and they still havent resolved my issue. I need to close my house in a month and they have blocked my ability to do that

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2020-08-12
Company: ARS National Services, Inc.
State: CA
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 have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and ARS ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and ARS ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been receiving unwanted credit card applications at my work address from Capitol One since XX/XX/XXXX. I have contacted Capitol One on at least 12 occasions in the past 2 years to get this to stop. In XX/XX/XXXX, I signed up for the PERMANENT OPT OUT list with all credit reporting agencies and still I am receiving these offers. 

In the past 2 years, I contacted Capitol One on the following dates each after I received a unwanted credit card application. On each of these occasions I have been assured my name would be removed from the mailing list. 
I called in XX/XX/XXXX ; I called in XX/XX/XXXX ; In XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX, a supervisor ; XX/XX/XXXX I spoke with XXXX, a supervisor who said I would be removed from their list permanently ; XX/XX/XXXX I spoke with XXXX who provided a case number XXXX ; I called on XX/XX/XXXX ; in XX/XX/XXXX I spoke the XXXX, a manager to get this ti stop and with her supervisor XXXX ; on XX/XX/XXXX I received a letter from XXXX XXXX with Case number XXXX stating I would be removed from the list for 3 years. She suggested the op out registration. 
I received another solicitation in XXXX and called on XX/XX/XXXX and spoke with XXXX ; I registered for the Permanent opt out in XX/XX/XXXX. 
I called again on XX/XX/XXXX and spoke with XXXX ; After receiving another solicitation in the mail on XX/XX/XXXX I decided to file this complaint. I left a voice message for XXXX XXXX informing her I would be filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: ONLINE Information Services, Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I sent out a debt validation letter exercising my rights as a consumer under the FCRA ( Fair Credit Reporting Act Section 809 ) and " XXXX XXXXXXXX, XXXX '' has NOT complied with Federal law and regulations. " ONLINE INFORMATION SERVICE '' failed to respond to my debt validation letter section 809. This is now a federal violation of the Fair Debt Collection Practices Act which I intend to sue for Defamation, wiling financial injury, and FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. 

I've attached proof that I sent " ONLINE INFORMATION SERVICE '' a Debt Validation Letter and that they've received my letter at approximately on XX/XX/XXXX at XXXX XXXX. The Fair Debt Collection Practices Act requires companies to respond within 30 days after receiving a dispute. I intend to sue for the maximum amount which is {$20000.00}. 

I am now located in Texas, and this is the maximum amount that a person can sue for in small claims court. I've been denied housing and jobs because of this collection account so I intend to sue if this account is not removed immediately from my 3 major credit reports. I have all the proper documents to win in small claims court without a reasonable doubt should this account not be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
Please see attached tracking number on last and final request PLEASE NOTE new information/investigation XXXX has XXXX input in computer SS tracker and trying to establish a Nevada residents when I am a California Residents LAST REGISTERED LETTER ASKING HIM TO BE REMOVED AND NOW ASKING THE ATTORNEY GENERAL FOR CRIMINAL ACTION not to mention probably the reason my old Email was compromised and had to shut it down loosing all my case logs

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 2021-07-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing some items on my Cheksystems and XXXX XXXX report consistently for almost six months now and I haven't received any progress or response from them throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any true progress from them on my XXXX account and it's frustrating because I can't make progress towards my goals with this in the way. Something needs to be done.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am looking over my credit report, and my credit age is being reported as only being XXXX months old. I have an account with XXXX XXXX XXXX, that is now closed, but that I had open for nearly XXXX years! With 100 % payment history at that, and I opened that account in XXXX. Screenshots will be attached. Misinformation on my report is hurting my score and leading me to many denials. Please fix this Im sure there is no way my credit age is XXXX months old!

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 2023-08-07
Company: State Collection Service, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I answered a potential risk call and the person said that they were " XXXX '' and need me to verify that I am who she said. I asked that I needed to verify what company or business they were before answering any information. After 5 or 6 attempts to get this she stated they were " State Collection Services. I said ok why are you calling. They said they needed to identify me prior to answering that. I refused to give my dob. She said a street address that I had never heard of amd then a secondary one as well. I said you are incorrect and I verified the her name as XXXX and said that this is clearly a scam and I will be passing the number, name and " business '' name off to authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation