BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Foris DAX, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello. Sir I met XXXX at XXXX XXXX. HE XXXX  me to do XXXX so I transfer {$200000.00} to XXXX. on XXXX I didn't know about this so just follow him. 
He made me transfer all XXXX to XXXX XXXX on XXXX I did two times betting and he refer me VIP promotion. And they sent me message make XXXX until XXXX. 
He asked me XXXX and he will help me the rest of them. 
He sent me already XXXX. 
But I doubt I got scam at that time. I know it is stupid. 
I saw his picture from XXXX XXXX And same picture from XXXX XXXX XXXX. And picture person is XXXX XXXX XXXXXXXX XXXX post with his picture. Someone used his picture for scam. If mentioned investment, XXXX and XXXX, that is not him. 

XXXX still is working on getting more money from me. 
Now I pretend to be sick from XXXX. 
I don't know what to do. Connect with him to find or disconnect. 
Advise for me. 
I reported at XXXX and XXXX. 
They said if Authorities assistance contact them, they help them XXXX is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can you help me? I hope no more victim. 
Help me please. Anytime contact me please. 
Thanks for spending time. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Credit Collection Service placed account on in my credit file without notifying me. In my previous dispute to them, I advised them that they are in violation of the early warning notice clause of the FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify consumer by mail before placing negative items on their credit reports. Moreover, Credit Collection Service are in violation of FACTA section 623 ( A ) ( 7 ) because they did not remove the items off my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I 've been making payments to Capital One every month through my bank bill pay. My bank can verify payment was made and delivered on time to Captial One, however, Capital One sits on the payment for two weeks after reciept -- causes me to incur late fees. Ex. XXXX XXXX 2016 - XXXX sent my payment of {$200.00} to Capital One. The bill was due XXXX XXXX. I spoke to XXXX XXXX around the XXXX to ask why they have n't cashed my payment. They said they never received it, so I made a payment to avoid getting a late fee. On XXXX XXXX, they cashed the {$200.00} check. I feel I can prove they are purposely sitting on checks and not cashing them on time -- causing consumers to incur high late fees and automatic interest rate increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX continued attempting to charge my account after the policy was cancelled. Then the balance was turned over to Credit Collection service XXXX File XXXX. I contact XXXX XXXX and received confirmation of the error. I also contacted the collection co by emailFrom : XXXXXXXXXXXX : XXXXXXXXXXXX : RE : XXXX XXXX Recurring Charge DeclinedDate : Tue, XXXX XXXX 2015 XXXXYou are correct, I apologize for the error and have sent this to processing to hopefully stop the emails from coming in! 

Best regards, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Conduent Incorporated
State: VA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
My card was fraudulently used for over XXXX worth of transactions without my consent. I opened a dispute with Eppicard on XX/XX/2016. I was advised upon signing and returning the affidavit by XX/XX/2016, that I would receive provisional credit/refund of all charges while the company investigated issue. The company XXXX mailed affidavit to the wrong address, the had to re-maill to me. I mailed the completed affidavit on XX/XX/2016 in which I was told it had yet to be received. Upon speaking with XXXX more customer reps & XXXX level XXXX reps I was advised to fax in affidavit just to be sure it was received by XX/XX/2016. I faxed the paperwork to the # provided by each rep & received confirmation receipt. I then called on XX/XX/2016 and was told by a Rep named XXXX that faxes are not accepted & that I would not be refunded. I then spoke with a XXXX whom stared that faxes are acceptable however they will not refund due faxes take up to 48hrs to process & that will put the paperwork received after XXXX/XXXX/16. I asked her about being escalated to a supervisor or higher up, she refused. I then asked her what can I do to get my money back seeing as I 've done everything I was advised to. XXXX told me I can just wait it out to see if they investigate or get a lawyer & file suit. This card is for my children ( child support ) & eppicards process is completely unacceptable & inconsiderate. The employees are rude and they never seem to give the same or accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: Early Warning Services, LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/22 Posted a listing for my chaise sofa on XXXX for {$1500.00} Within 2 minutes I had 3 responses. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. 
I said I required cash only. 
Two asked if I could do Zelle or XXXX. XXXX did not respond again. 
I said I would prefer not to but I would. 
I was on with a woman XXXX XXXX XXXX for approximately 3 hours. 
I believe it was a scam and I sent {$300.00} to Zelle which I have no way of recouping. I was told to reimburse XXXX using XXXX which would not go through. She then gave me XXXX to use and it went through. XXXX paid the {$300.00} and along with the {$1500.00}. 
Zelle wanted me to send another {$500.00} for a Certificate. I would have to go to a store to purchase a XXXX XXXX. Different email addresses and names were used within XXXX. 
Messenger chat went until about XXXX or XXXX. 


XX/XX/22 XXXX started in again early in the morning. I told her I had to go to work and would get back later in the afternoon. She started again at XXXX I called my bank and they said to call the police which I did call and an officer came to my residence at approximately XXXX XXXX There is nothing I can do and really nothing they can do, bank, police or official Zelle. 
I have blocked XXXX on XXXX as well as the other woman, XXXX XXXX XXXX. And reported them as scammers. Especially after seeing posts on their pages in, I believe, what was XXXX. 

XX/XX/22 Filed a complaint with Zelle. Filed a scam with XXXX. Filed a complaint with Consumer Protection Agency Wisconsin ( XXXX ). 
Other email used from XXXX was : XXXX with the XXXX XXXX. and XXXX  XXXX XXXX logo was displayed in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
I have a credit card with Capital One. They made me a balance transfer offer, 0 % for 18 months. On Tuesday, XXXX/XXXX/16, via their website, I requested a check to be mailed to me rather than enter the information for the account ( elsewhere ) I want to pay off. 

This morning, XXXX, I received an email saying that my loan had been approved and posted to my account. I logged into my account, and saw that indeed my balance had increased by the amount requested. 

But, I have not yet received or deposited the check. It seemed to me that the loan should not be in effect until I deposit the check. Until then, nothing has really happened. 

I contacted CapOne through online chat to try to get them to reverse the charge ( and the clock starting on the intro rate ) until I deposited the check. Their policy turns out to be even worse than I thought. They told me that it can take up to two weeks for the check to be sent out, but that, indeed the balance posts and the clock starts from the day the loan is approved. 

Think about it this way. When I bought my apartment, I applied for a loan. My loan was approved. But my loan was not in effect until the closing, when funds were actually dispersed to the buyer. 

In this case, they are calling it a loan and have started the clock when the check has n't even left their building, let alone disbursed any funds! 

This ca n't possibly be right. Please make them address this abusive policy for all balance transfer customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I complained of a {$650.00} fraud on my AMEX over a former friend using my card to pay some professional registration fee. This complaint was denied multiple times, I escalated the complaint to fraud and AMEX voided my card then never sent me a new car ( although they swear they did ). 
I wasted dozens of hours on their website messenger and speaking to customer service. I've been called back at XXXX and the insulted when complaining because 'AMEX is a global company ' yet nothing has been addressed with my complaint that they gave me multiple promises to recalculate the statement but refuse to follow through. 

I'm tired of being sent threats by txt and email to report my 'failure for payment ' to the credit bureaus... 

Yet XX/XX/2022 a 'supervisor ' acknowledged there was a miscalculation and promised to have the adjustments addressed. This has yet to happen. 

Some AMEX representatives hang up on me, some pass me managers who are unhelpful. Some want to help but tell me conclusions inconsistent with prior conversations. Al of them want me to explain the sam3e story again and again and again. 

I was on auto payments for years covering the monthly expenses to a personal account. I still have no idea why AMEX will not just recalculate and explain how, based on their provided statements, a fictitious {$650.00} just reemerges on my account... 

And that is why IU will never do business with AMEX again. Perhaps the CFPB can hold them accountable, because I need a clear itemization before I believe I owe anything else to this company that clearly doe not value my years of loyal buissness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Unfortunately i just realized that i was paying WELLS FARGO and i have no contract with them. They have sent me the contract of me and dealership multiple times and they have admitted in this letter i am going to attach, that they do not hold the original copy of contract with wet signature of mine and there's. So i am demanding a FULL REFUND OF ALL FUNDS YOU HAVE RECEIVED IN CONNECTION WITH MY SOCIAL SECURITY NUMBER. LAST AND FINAL RESPONSE.

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 2018-05-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XX/XX/2015 This insurance policy was open fraudualtly with XXXX. I never owe a XXXX and a XXXX or the other individual on the policy. I have been goin back and forth for the past 6 month. they will not give me any information because I can not verified the account reason I don't no the address on the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Synovus Bank
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: Account status incorrect

Complaint:
I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since XXXX and it's been a nightmare trying to repair my credit just to be financially stable for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: DE
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:
When I contacted the credit reporting agencies in regards to the prior information still being reported to my credit file, they assured me that the information being reported to my credit file was " verified ''. However, 15 USC 1681 they are intentionally and willfully being neglectful in remedying my affairs l 15 USC 1681e ( b ) assures that that I am due, promised accuracy on my credit report under federal law. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must be removed from my credit file. All of the accounts listed from previous disputes haven't been complete in a thorough reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently applied for a loan modification from Wells Fargo. 
First I was told they would n't accept my application but needed to go through a " re-entry interview '' I complied with that and my application was accepted. 
Then in the space of just 3 days I received 4 letters. 2 letters were dated on XXXX XXXX of this year : one stated that I should submit the required documents, the other stating they received all the documents. A letter from Wells Fargo dated XXXX XXXX stated they reviewed the information and my request was denied as the NPV ( net present value ) evaluation results did not support a modification and that I had already received the maximum number of modifications. No other details were given that could help me understand their decision. 
Finally a letter dated XXXX XXXX stated I was approved to participate in a short sale. 

Going back a bit, in 2013, I was given a loan modification, my only one but with an interest rate of 6.125 %. I accepted those terms at the time but am now unable to afford my payments. I am not earning as much income as I was before and am struggling to keep my home. 

I was also told the investor would not accept additional modification requests but was not informed who the investor was. 

I desperately want to keep my home. I tried calling the assigned relationship manager and was hung up on when I started asking questions. Wells Fargo has been very uncooperative and not very informative about my denial.

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 2022-10-25
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:
TRANSUNION CONSUMER SOLUTION XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date ; XX/XX/XXXX Dear Agency. 
This letter is a formal complaint that you are in direct violation of my privacy rights. 
And LCI Consumer I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy.The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report LCI Consumer as they have stole my information to sell to you as it was never verify or validated directly from the court Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SS # 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 2023-01-29
Company: MOHELA
State: FL
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:
XXXX XXXX XXXX  I mailed a letter to MOHELA about accounts listed on my credit report and I have not received any help or response as of this date. The contents of the letter are as follows : " REQUEST FOR INFORMATION FROM MOHELA I am requesting information for the following accounts : MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX Please provide copies of the following information : All billing statements from the date of account opening A copy of the XXXX cancellation of debt if applicable Date of Last Payment It is my belief that 14 days is a reasonable amount of time to gather this information. I look forward to your complete corporation and compliance. 

Respectfully, XXXX XXXX '' I don't know what else to do or how to get the information as the call center seems to be too overwhelmed or the information is not complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
last month made a payment bringing my total amount owed on my loans to {$160000.00}. Since that time my amount owed has increased to {$160000.00}. Navient has no information in any of the loan accounts documenting where that increase in the amount I owe came from. I have not taken any new loans from navient.

Company response to consumer: Closed with explanation