BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This complaint I am submitting is on equifax. This credit reporting company is reporting wrong incorrect information on my credit file. I just received an e-mail with the results of there so called investigation which took less than 10 days. XXXX acct # XXXX first it reported that my payments are {$4800.00} per month. I disputed that information as that was completely incorrect. Now they are reporting that my balance is {$4800.00} which is still wrong. I had an auto lease opened XX/XX/2013 for 36 months with payments of {$320.00} per month. The lease was up ( I returned the vechile 1 month prior to the 36 months ) and re-leased another vechile from them. The report is showing that they received payments for 28 months that would mean that the car was turned in 8 months prior to the lease expiring. This information is WRONG. I do NOT owe {$4800.00}. XXXX took my last months payment being I turned the car in 1 month early and put it into my new lease. I am very aggravated with equifax as they are just throwing any information on my credit report which is causing my credit score to decrease. I myself contacted XXXX and confirmed that the lease was to full term and paid. I feel equifax is not doing a proper investigation as it would come back to them that this account was PAID in full with NO balance. acct # XXXX. My next complaint is equifax said they completed there investigation and again with acct # XXXX XXXX it was first reporting as a {$380.00} charge off ( which is also wrong because this account was paid in full ) it now it showing a high balance of {$560.00} with a note ( charge off amount XXXX ). Under the comments though it says there was a charge off. This information is completely wrong. XXXX is no longer in business. I was told by a prior rep that they ( equifax ) never received a response from XXXX when I disputed this months ago. I was told by law it is to be deleted. I monitor my credit file very closely as my credit worthiness is extremely important to me. I have been trying to have equifax correct and delete these XXXX accounts as it affects my credit score. I will again be submitting a complaint to the Better Business Bearou again about equifax. This is my credit worthiness not there 's and this credit reporting agency is terrible. I wish to submit this complaint in hopes they will finally correct and delete these XXXX items as they should not be reporting wrong information like this on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo sold a mortgage we had and paid off via bankruptcy to a XXXX Home Loans. I have already filed a complaints with the XXXX which is under the Pennsylvania XXXX Office and the, Pennsylvania XXXX. I have documentation that Wells Fargo filed a satisfaction of mortgage with XXXX County, I have further documentation from the Bankruptcy court records that indicate said mortgage has been satisfied. XXXX Home Loans is currently trying to foreclose on our property, even know documentation has been submitted to them multiple times proving the mortgage has been satisfied, was recorded in XXXX County on XXXX XXXX 2016.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX {$14000.00} also XXXX XXXX XXXX {$18000.00} also XXXX XXXX XXXX {$16000.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-14
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:
Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account below : 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 2016-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently was approved for a credit card from Capital One following a hard inquiry to my credit report. I received it a week later and I answered the previous address security questions accurately. I was told my card was locked due to suspicious fraudulant activity. It has never been used and its already been used illegally by the person it belongs all in a 1 minute time span. I was sent an email for my documentation verifying my identity and it suffice. I sent them again. They now want a bank statement. I give them my account number. They then say id recieve an email. No such luck. They then advised me to go to any local bank while they are on the line then they would talk to the teller inside. XXXX consececutive banks said they have never heard of such a method of verification. Still no activation. Still no replacement card. No other methods of verification. I was pubicly humiliated by the methods instucted by the fraud department. I have now a balance of {$340.00} for money that nobody even spent. It has caused me to be evicted from my home of 14 years because i used that credit line to secure a loan i cant pay back due to Capital One 's erroronous information. I have been civilly violated and I am cognizant enough to know that this is a crime and a Civil Rights lawsuit is my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: AMERICAN EXPRESS COMPANY
State: PA
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: Problem with personal statement of dispute

Complaint:
I had financial issues due to the Covid pandemic, exponentiated by additional familial responsibilities during the pandemic. The company decided not to remove missed payments during this time, because of this, I continue to experience financial difficulties, despite not missing any other credit line or loan payments since the height of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016 I went to XXXX XXXX in XXXX, TX and used the Western Union Terminal to transfer the sum of {$120.00} to XXXX. My MTCN tracking # is XXXX. One issue that came up during the transaction was : did the recipient have an ID. I was not sure and the agent suggested that a test question and answer would suffice. I provided a test question plus an answer. 
A day later the recipient informed me that the Western Union agent bank refused to provide the money because of an expired ID and also denied request to use the test question. 
I went bank to Western Union and wanted to recipient name be changed to another individual that has a valid ID. The agent refused to entertain my request stating that I must call from the home telephone number I listed on the transaction, or go to XXXX and make the request. I went back to XXXX and spoke with an agent. He stated that Western Union would not let them change name but can issue me a refund less the transfer fee of {$9.00}. I refused such refund offer. I went home and called XXXX and after about 30 minutes of speaking with XXXX different individuals I was advised to go back to XXXX and get the {$120.00} refund and the agent would put a request for refund of the fees. She further advised that the {$9.00} would be mailed to my home address. 
I did just that. Two days ago I inquired on the status of the fees refund. The Western Union representative advised me that my request was denied because it was not their fault that the recipient did not have a valid ID. I mentioned that the XXXX agent told me that test question would be used in-lieu of a valid ID. He stated that Western Union policy is that for all international transfer all recipients must have a valid ID. This was the first time I was told of such policy. I wanted to know why such information was not given to me during the initial money transfer transaction, the agent had no answer for me. 

I 'm requesting that my full {$9.00} fee transaction be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: WLCC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
After taking out the loan with XXXX XXXX at the end of XX/XX/XXXX, I made the first payment on XXXX.17 Noticing none of my payment went to the principal, I called to ask why as there was nothing in the loan agreement that stated they could arbitrarily assigned payments as they saw fit. 
I was told it was not in the agreement but on the website. However I could only pull up that page when I applied, so I could not see it again. 
I told them this was a deceptive practice and they basically stated too bad. 
So I looked into them a bit. 
I found out not only are they not licensed in my state, the interest charges are not legal in my state as well. 
They were hesitant to revoke my ACH authorization until I threatened to call the Ohio Attorney General 's office, as the ACH act is Federal Law. 

I offered to pay back what was left of the principal ( XXXX minus the payment made on XX/XX/XXXX of  {$110.00} ) of XXXX and they said they would only accept payment now equaling XXXX. 

Which is still in excess of Ohio 's interest limits. 
They have now locked me out of their system online so I can not see my account or documents. 
If I end up at a collection agency for this I will certainly take them to court. 
They claim they are a Tribal entity and laws do not apply to them. However, they could not tell me one XXXX XXXX who worked there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is attempting to collect on a debit they purchased from Capital One. They claim the account number from Capital One is XXXX I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with Capital One ended in XXXX. I paid the account in full XXXX of 2013. Capital One failed to properly record my payoff. Capital One tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding XXXX of the accounts the true account numbers were reviled when their counsel requested a Motion for Summary Final Judgment. When I presented proof of my payments, the presiding judge denied the motion and immediately faxed copies of my bank statements showing the payments to Capital One 's counsel XXXX and XXXX ( motion was heard via teleconferencing ). Capital One 's counsel motioned for dismissal prior to trial and cased was closed. 

I have disputed the account, presented proof of payment to the courts and yet Capital One sold XXXX of the accounts to XXXX. How many times must I be harassed over a paid account? 
I wrote XXXX after receiving their dunning letter with the facts only to receive an unsigned form letter on some nice stationary that states they have completed their investigation of my dispute and nothing changed. If they did truly review that would have found the account to be paid in full. 
If Capital One 's counsel failed to notify Capital One of the law suits outcome and or Capital One failed to notify Portfolio that is not my problem. 

XXXX has begun a campaign of phone calls to my cell all of which are dead air ( Violation of Federal Law ). They call XXXX day from XXXX XXXX XXXX, TN another day from XXXX XXXX XXXX, VA XXXX XXXX, VA and on and on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I 'm writing to complain about the money-handling practices of Wells-Fargo and its subsidiary Americas Servicing Company. 
On XXXX XXXX, 2015 we completed the sale of our home which had a mortgage through the aforementioned company. At the time of closing, there were funds due back to us from the mortgage company. 
Despite Arizona law requiring the funds be returned to us within XXXX days, Wells-Fargo has not delivered the money as of this writing, XXXX days later, on XXXX XXXX, 2015. 
A telephone inquiry to Wells-Fargo resulted in us being told that the check had not been issued until XXXX XXXX ( XXXX days after close of escrow ), had not been mailed until XXXX XXXX ( 21 days after close of escrow ), and that we should expect first-class mail in the continental United States to take 10 business days ( XXXX weekdays + XXXX weekends = XXXX days or XXXX days after close ). 
It appears that Wells-Fargo is introducing unnecessary delays into the process so they can hold money they do n't own for as long as possible. Their representative claimed that they met the requirements under the law " by issuing the check '' in under XXXX days. Apparently, the company 's definition of " issuing '' does not include putting it into the mail which they claim happened five days later. 
I 'm skeptical about even this, giving two days for first-class delivery, mailing can not have happened as late as XXXX XXXX, or the proceeds would already have arrived. 
I requested that the funds be wired to my account, but the bank claims they have no facilities for such a thing. (! ) In all, I 'm very disappointed and frustrated that this company is not following the law, nor acting ethically in dealing with consumers. ( This after years of never having a mortgage payment to them be even one day late. ) I 'd like to ask for your help in obtaining the money we 're owed from the bank, forthwith, and that you take what action is in your power to have the bank sanctioned until it can operate with honor and integrity, and within the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: LEXISNEXIS
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XXXX I moved back to XXXX after living in XXXX for 2 years.Because I had a company vehicle, I did n't need car insurance, so when I returned in state I again needed insurance so I got XXXX of XXXX.they told me because I had no insurance for the last few years I would need a rider on my policy.I was given no choice in the matter and XXXX chose a person in my household, they told me this was temporary until I established a history with them.every few months I would ask XXXX when could my insurance go down and the rider be removed, but all I got were blank stares and the same response that they could do this and I had no choice in the matter.I tried to change my insurance company on several occasions but they 're rates were to high.after a few years my rider XXXX AAA kept her as my rider for another year, even laughing in my face when I dared ask why she was still my rider.When they finally changed my rider they raised my rates.when I bought a newer vehicle they raised my rates.they raised my premium to {$350.00} a month, despite the fact a had no claims, no accidents, and no tickets.This is when I found out my rates were n't based on my driving record but on my credit.which was good before XXXX of XXXX drove it into the ground.you see XXXX used XXXX of XXXX XXXX to determine how good I drove in XXXX Nexus and XXXX used faulty information to price gouge on car insurance.they even chose for my new rider XXXX XXXX, my room mate even though she was ruled by a court of law to not be able to be in charge of her own finances.I had partial ownership of XXXX properties, yet XXXX said I did not.I 've since lost XXXX houses due to XXXX wrongful billing.I 've been forced to move out of that household and away from my family in order to get affordable car insurance.my friend in addition to losing his wife had to return his vehicle because I 'm no longer there to pay for it, he 's a XXXX vet and he used his vehicle to take other members of his family to there doctors appointments.AAA and Lexus Nexus in addition to screwing up my life has totally screwed up my friends life as well.I personally will never recommend them to anyone.I 'm also highly disturbed that LexusNexus is given carte blanche to do as it pleases with regards to my life without first contacting me and confirming any information they use about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: ACS Education Services
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
As the result of frequent selling of the loans and changes in loan servicers, several of my student loans have unresolved inaccuracies on my credit reports. Please do not forward this to the Department of Education Ombudsman as they were not helpful on a previous complaint on this matter. Here are the details : 1. My XXXX account XXXX continues to inaccurately show as paid 60-days late without the requisite 30-days late payment notation the prior month ( see attached copies of credit report ). 
2. My ACS/XXXX accounts XXXX XXXX, XXXX XXXX and XXXX XXXX continue to inaccurately show as paid 60-days late without the requisite 30-days past due notation the prior month. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
3. My XXXX accounts XXXX, XXXX and XXXX continue to inaccurately show as paid 90-days late without the requisite XXXX and 60-days past due notations the prior months. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
4. Finally, no data in many reporting months is negatively affecting my ratio of number of late payments to number of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
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:
My credit card statement for XX/XX/XXXX stated my total balance due was {$1800.00}, which I paid by check and sent it in well before the XX/XX/2017 deadline. My credit card last four are XXXX. Recently I received another bill stating I owed additional money. When I called the company, Friday XX/XX/17 at XXXX XXXX EST I spoke with XXXX and then a supervisor named XXXX who both stated I owed interest after my payment. They refused to remove the charges. This is clearly misleading billing. 

Please find attached a copy of the disputed monthly bill from FNBO. My point is the bill clearly states the total balance ( New Balance ) due. If I call Customer Service to make a payment by phone, the voice prompt asks if Id like to pay the bill in full ( Statement Balance or Current Balance ), which is identical to the amount shown on the statement. There is not an option on the paper bill or by phone to pay the now claimed higher total amount due. 

It is very unclear where FNBO claims they disclose the total amount due is NOT the balance due on the paper statement or by voice prompt via Customer Service dial in telephone. How, where and why do they disclose that a future payment will be added. I am stating the billing practice is not fairly disclosed and they should not have the right to bill me more after I pay the Amount Due/Statement Balance/Current Balance. In every portal to communicate with the company ( website, paper statement, voice call to recorded machine ), the expected amount due is not listed, but rather the amount due that I paid. 

Lastly, it is not true that the company could not or was unable to post the expected amount due as my balance was very, very predictable and so was my interest charges. 

It is extremely misleading and I feel very unfair. This is fifth grade algebra. Please help me to ensure this misleading billing practice is discontinued.

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