BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: MS
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 disputed a item on my credit report that is not my account also during my disputed all three credit bureau has violated many laws of the Fair Credit Reporting Act i also have sent a disputed letter to the creditor and i receive a letter stating that they no longer has ownership to this account but the credit bureau is reporting under the creditor name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
First, I'd like to say thank you so much for taking the time to read my complaint. My issue is simply this, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX, made a verbal agreement with me to settle a debt for {$500.00} back in XX/XX/XXXX. The original debt was for {$960.00} for a hospital bill to which the obtained my info illegally. To date, I already paid {$100.00}, which was back in XX/XX/XXXX. I did not make any further payments after noticing on their website that our {$500.00} agreement was not listed nor, could I see what the remaining balance was, which struck me as odd. Our verbal agreement had no time limit, dates etc. to which I'd be in default. XXXX XXXX never sent me an actual " stipulation settlement '' agreement via mail, email or otherwise for {$500.00}. I contact XXXX XXXX on a few occasions most recent ; XX/XX/XXXX and today, XX/XX/XXXX regarding default and legal papers that were sent to my home for original debt of " {$960.00} ''. I understand that this debt was to be paid, but I would like to know why I was not sent " stipulation settlement '' for the {$500.00}, and how can I be default of said verbal agreement? It's like it never happened. My concern was that if I paid the total of {$500.00}, I'd still get letter and court judgments for the entire balance. I gave XXXX XXXX my email address and my phone number on a few occasions. So, it's not that I'm trying to get away with not paying a debt, it's the principal of the matter, we had a verbal agreement. And, the fact that each time a debt collection agency makes an agreement with a consumer, there should be a discussion, followed up with written letter as to was the agreement is and what constitutes as being in default of said agreement. The most recent letter I received for a court appearance mentioned nothing of original agreement and still shows a balance of " {$960.00} '', which is still not correct. Any assistance would be greatly appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
XX/XX/18 received a welcome letter from XXXX 's prepaid XXXX. I never applied nor asked for this prepaid card. It has a prepaid card in the welcome letter with activation sticker. I'm worried that this will effect my credit score or was opened by someone else using my information. Tired to call XXXX 's and could not talk to a live person without having to input personal information like social security number etc. I'm not going to do that. There are fees associated with the account. I hope they aren't already charging 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 explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have submitted various complaints about a bankruptcy that is appearing on my credit report. I have asked for an investigation and it comes back verified! How is my bankruptcy being verified with XXXX XXXX when my XXXX XXXX is frozen and suppressed? This information is inaccurate and misleading. According to the FCRA there is no public records and I have a letter from the bankruptcy court stating they do not verify with the bureaus. It is a violation of my consumer rights to have my private information reporting without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: NY
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 and inquires are not my items

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 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 disputed a item on my credit report that is not my account also during my disputed all three credit bureau has violated many laws of the Fair Credit Reporting Act i also have sent a disputed letter to the creditor and i receive a letter stating that they no longer has ownership to this account but the credit bureau is reporting under the creditor name.

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 2019-03-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I alerted USAA of 2 fraudulent charges on my debit card of {$710.00} each ( a total of {$1400.00} ). The rep I spoke with that day assured me repeatedly on a recorded line that USAA would give me a provisional credit in that amount by XX/XX/XXXX. That didnt happen, and I was later told by other reps that that isnt their policy. But the expectation was set. First giant problem. On XX/XX/XXXX I called because a ) I hadnt received the provisional credit, and b ) as a result of the huge fraudulent pending transaction on my account, several payments that had been initiated before the fraudulent activity occurred bounced which resulted in USAA charging me {$140.00} in fees that several reps assured me would be returned to me when the fraud investigation was completed. Regardless, USAA is obligated to return those fees as part of their zero liability fraud policy for debit cards. On XX/XX/XXXX, I finally received an email that the investigation was complete ( because the pending fraudulent charges eventually fell off my account ), so I called for the umpteenth time to find out when I was getting my {$140.00} back. Several more hours were wasted, and I couldnt get a straight answer from anyone in any department. Finally I was told on XX/XX/XXXX that the request was escalated and someone would call me by XX/XX/XXXX ( TODAY ) and that the {$140.00} would be returned on this date as well. It is now XX/XX/XXXX, and I have heard from NO ONE and dont have my {$140.00} back that USAA wrongfully charged me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX accepted a check from my company that was reported lost or stolen. A stop pay had been put on the the check. The XXXX customer closed their account before XXXX   realized the check had a stop pay placed. The XXXX customer is liable for the amount of the check, not my company. The XXXX customer committed fraud.

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 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/2020, I made a purchase on Walmart.com with my Walmart Credit Card/XXXX XXXX. Merchant Name : XXXX XXXX XXXX DATE OF TRANSACTION : XX/XX/2020 Amount of Dispute : XXXX Due to CoVid, I thought purchase a Ultraviolet machine to disinfect. In making an Medical appointment, I mentioned purchasing the machine and told with my health I should not be using it. I immediately logged into my Walmart.com account to cancel the order. The same day XX/XX/2020 Walmart sent me an email stating the third party vendor would contact but did not receive a call nor an email. After not receiving that email, I called to dispute the charge and it was credited back to my Walmart Card. Although I sent cancellation and refund, I continued to monitor because I wasnt confident this company would cancel the order. I found that this company shipped the item a month after cancellation so I sent another email on XX/XX/2020. I asked XXXX why would they ship the item after I cancelled the order. On XX/XX/2020, XXXX finally replied apologizing and ask for more details and if I still do not need to ship it back. This was a delay tactic for the package to be accepted then I would have difficulty sending it back and get my refund. This company purposely waited until XX/XX/2020 to process the order anyway but I intercepted and return to sender. On XX/XX/2020, I received a rebuttal letter from Walmart/XXXX XX/XX/XXXX stating the merchant says he did not receive a cancellation notification from me. XXXX received the item back on XX/XX/2020 @ XXXX XXXX unopened and returned before delivery to me. XXXX added this charge back to my account for some flimsy excuse and should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a 30-year home mortgage with Wells Fargo XXXX We applied to refinance the mortgage to a 20-year mortgage ( with a lower interest rate ). We locked in a lower interest rate. 

We filed our 2021 tax return on time, i.e., by XX/XX/2021. We sent Wells Fargo a copy of the tax return. After that, Wells Fargo said that they needed to verify our tax return directly with the IRS. We authorized the IRS to verify the return directly with Wells Fargo. 

Verifying our tax return was the only thing remaining before our refinancing would be approved. In fact, Wells Fargo designated a " closer '' to close the deal. 

The IRS is so profoundly backlogged, due to Covid, that they still have not " processed '' our tax return. This is a well-known national issue -- there are many news articles about this. As recently as the beginning of XXXX I called the IRS and was told we'd have to wait up to twelve ( 12 ) more weeks for the IRS to process our return! 

I informed Wells Fargo that we'd have to wait until the IRS cleared up its backlog enough to " process '' our return ( so that Wells Fargo could verify that, indeed, we had submitted them a true copy of our tax return ). ( Wells Fargo stated they did not believe we had submitted a fake tax return to them. ) Wells Fargo 's response to my informing them of my call with the IRS was to tell me that they were " canceling '' our refinancing application. 

XXXX XXXX, Wells Fargo 's Home Mortgage Consultant, with whom I had been working for the duration of this refi application, told me on a recorded call that he disagreed 100 % with Wells Fargo 's decision. 

We have spent money and time on this application. Additionally, interest rates have increased. 

We have not been dealt with in good faith by Wells Fargo.

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 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
RE : XXXX Capital One bank is reporting a late on my credit file for the month of XX/XX/2020. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: FL
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-24
Company: Experian Information Solutions Inc.
State: FL
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 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 2020-09-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went to ( XXXX XXXX ) on SepteXX/XX/2020 to acquire a 2020 XXXX XXXX limited for {$34000.00}. I was informed that the so called lender couldn't not finance the entire transaction ( XXXX XXXX XXXX ) but only partially. From my understanding as a consumer and creditor to the account, the approval of credit transaction comes directly from me, given my right as creditor to defer payment, my security interest given in the contract, And my status as consumer also clarifies this fact. Live communication was given to explain this to the so called lending institution. The purchase of the security by a third party is in fact a credit sale on my behalf by the dealer ( XXXX XXXX ) to ( XXXX XXXX XXXX ) a third party labeled as a debt collector. In return i should have received my portion of the claim via my security interest given within the contract, and my property being the automobile. Also the companies XXXX  and Experian have inaccurate accounts posted on my report and have yet to furnish my permission of the report or the name of the individual who reported the information to them. This has made my ability to obtain credit extremely difficult.

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 2019-03-28
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past two and half years, XXXX keep saying I owe them {$68.00}. I dont know how, because I dont have no service with them for the past 7years. They said they have fix that .but last week I received a letter from EOS CCA collection agency to collect this same {$68.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-10-01
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, XXXX. Before XXXX, my servicer was XXXX XXXX XXXX XXXX XXXX directly after graduation from the University of XXXX  in 2006. It seems possible that a data entry error could have occurred in the transfers.

I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In XX/XX/2016 I submitted a balance transfer request through my Capital One online portal to pay off my XXXX XXXX XXXX in the amount of {$1600.00}. After a month or so I saw that Capital One added this debt to my account, but my XXXX XXXX XXXX never got paid off. After speaking to Capital One they confirmed the account number they sent the electronic check to, but it went to a XXXX account. I am not a XXXX accountholder nor do I have a XXXX so they sent it to the wrong bank. 

I have tried to resolve this issue with Capital One 's investigation team for over 2 years but they have essentially wiped their hands clean with it and have stated that because the check was cashed by XXXX there is not much else they can do for me. I have a copy of the check that Capital One sent to XXXX, I have copes of all my statements for my XXXX XXXX XXXX showing that there was never a payment of {$1600.00} reflected on the account, and documentation of the letters I sent to Capital One trying to get this resolved. In addition to this, I also have all the call logs of when I tried to rectify this situation with Capital One. I also have the employee IDs of the Capital One representatives who were on the calls. 

In essence I am now paying a double debt and the fact that Capital One has decided to not assist anymore leads me no choice but to try and find resolution in another way. As I can not afford a lawyer to help me with this, I am hoping through this portal I can gain some assistance as well as much needed resolution to a problem that began over 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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