BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX XXXX, I am a Transferwise Customer with email address XXXX I am reporting this case because wise has refused refunding my money to me. 

My account was deactivated and I had funds on the account. On XXXX XXXX, XXXX  I submitted my bank details to wise for them to send the refunds to but I haven't heard from wise in this issue in which wise said that they were still running some checks However, on XXXX XXXX, XXXX  I received email from wise informing me that they have concluded their checks and would has processed the refund and they said it will take 2-5 business days for funds to hit my Bank.

However, I kept checking my XXXX XXXX I submitted everyday and there is no refund from wise into my bank account. 

I am demanding Wise to explain to me why they have not sent my funds to my XXXX XXXX  details within the 2-5 business days they promised and if they said they did, they should attach a proof to their response to this complaint. 

I need my refund to be sent to my bank My wise email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
Remove these accounts from the 3 bureaus as they are affecting my credit report.

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 2023-01-13
Company: LoanCare, LLC
State: OH
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:
In XXXX, I filed for Forbearance and did the extensions in XXXX. I was XXXX month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. 

Every month LoanCare reported the loan as XXXX  days late in accordance with that missed payment that should have been rolled into the forbearance. 

Every month Loancare accrued interest on that payment and forced collections on it once the forbearance period was over.

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 2020-03-28
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good Day, My mother died of sudden death. I learned she had an outstanding mortgage with XXXX XXXX XXXX. I reached out and sent documentation to discuss the account. However, I just learned the mortgage was transferred over to Faye servicing on XX/XX/XXXX and a foreclosure was processed on the XXXX of XXXX. I spoke with Faye Servicing on the XXXX to postpone foreclosure Sale. I was advised they could not speak with me until I sent over documents, stating I am handling the estate. However, mysteriously someone else name is on documents as the estate representative. ( I learned from one of the representatives at Faye Servicing that they were quite familiar with this name they see it often ). 
I m seeking to retain the property. 

Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX - I submitted an application for rental unit. They reported an eviction on the consumer report. The information I provided shows this case was dismissal without prejudice on XX/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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Based on New information I would like you to reinvestigate complaint # XXXX Please hold them to a higher standard of how they are doing there investigation into this matter Please see attached

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 2023-03-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXBalance XXXX {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}

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 2023-02-18
Company: Cascade Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 : I received a debt collection letter from XXXX XXXX XXXX  and CASCADE CAPITAL FUNDING INC. 

XX/XX/2023 : I mailed a letter to XXXX XXXX XXXX, CASCADE CAPITAL FUNDING INC, disputing the debt and denying that I owe it to CASCADE CAPITAL FUNDING. Also in this letter, I demanded that XXXX XXXX XXXX/CASCADE CAPITAL verify the validity of this debt in writing within 30 days and submit a copy to me at the address below. I also asserted my rights under HIPPA and demanded a copy of the HCFA-1500 used to make decisions on my behalf and made part of my designated record set, within the next 30 days. I further requested these items : 1. Provide a billing statement which matches the balance being claimed.

2. Provide an itemized list of services with the charges that XXXX XXXX XXXX XXXX claims to have provided, that total {$4000.00} OR provide the itemized list of services with their charges and any partial payments my health insurance company and I have already made towards these charges. 

My letter was not returned from sender, so it would have arrived. Further, this company ignored my dispute, provided no documentation to me and recently reported this debt to major credit bureaus without stopping collection and validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CARD Corporation
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had this prepaid debit card for about two years and I had always had suspicious about their reserve system when I had taken my mother out for dinner that costed * {$26.00} and " Card.com '' had taken out nearly {$80.00} which was held for several days. this happens infrequently. I had noticed some unexplained transactions/duplicate withdrawals from my account and asked if they could check into it? ( The SMS service just started working on my phone around two weeks ago ), so they didn't make anything easy to translate. I had even called and gave them a name and address to be referred to. I had changed my password to a near twenty character mixed Caps, symbols, etc a few weeks back and I actually received a similar email that same evening? I explained to them that where I don't have the same provided for my residency and my mobile service since I live outside of XXXX 's signal range. and that I use my family 's WiFi when aI  visit them,,,,, They have never given me any response to my security issues and they have shut down my card three times in the last week or so without any probable cause or explanation. now being XXXX, it's hard to get the XXXX XXXX   and even the XXXX XXXX XXXX materials all weekend after only yesterday telling them not to ever disable my card again unless I called and requested it? It appears that they are committing hate crimes either to avoid any legal responsibility or it is some personal vendetta which would classify it as a hate crime. I have no other income except what is on this card as for when I deposited $ XXXX to it yesterday there were no signs of it being deactivated for that alone speaks volumes. I was struck by a dislodged boulder in WV in XX/XX/XXXX and am in XXXX XXXX as I am seeing a XXXX  ( XXXX  XXXX XXXX ) and getting XXXX   XXXX and seeing a Dr in XXXX ky for my XXXX XXXX. I am supposed to visit her asap due to an XXXX  XXXX  XXXX  on my previous checkup last week but can not go or get anything due to these senseless sabotages of my only source of $ that I have since I've been without any income since XX/XX/XXXX. Again, I have both called and emailed them expressionally advising them not to ever deactivate my card again unless I called them and requested it as this has caused much trouble the other instances it has occurred. tx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this on numerous occasions, and I have called because this is not my account, I have asked them to provide me with proof that this is my account and they could not because it is not my account, all I am asking is that they remove this from my credit report because I did not open this account, and they have yet to do spinster they keep on harassing me about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2022 someone tried to apply for online for a BoFA XXXX XXXX XXXX XXXX XXXX card. 
The person who tried to apply for the card was not able to. 
XXXX I received a letter from BoFA, dated XX/XX/2022, that in order for them to process my application I would need to lift the restriction on with XXXX and XXXX. 
My credit has been frozen with all three bureaus for almost a year now. 
I called today XX/XX/2022 and spoke to XXXX. I gave her the reference number on my letter so she was able to pull up the application. 
I advised her that this application was fraudulent and please report this to their fraud department. 
She stated that the only thing she can do is to close the account due to fraud but they do not send these to their fraud department to investigate. 
Something more has to be done about consumer fraud today!. BoFA is a huge company that needs to do more to protect the consumer. 
I would like someone to appeal to BoFA to look into this matter. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
There is a XXXX XXXX XXXX credit card with a 30-day late payment and seven years of good payment reporting on my credit reports XXXX  keeps on verifying it but not validating it I have spent a minimum of 4 hours on the phone with XXXX  XXXX themselves and they have no record whatsoever of my ever having such an account. It shows closed in good standing with XXXX  balance but the one 30-day late payment they are reporting is damaging my credit report and Reporting negatively being the fact that there is no such proof or record of this account whatsoever at XXXX XXXX I don't understand how they are possibly validating that this is accurate account. 
I have tried disputing it numerous times and I have had numerous XXXX XXXX employees also try to dispute it. 
If XXXX or TransUnion or XXXX can not simply go on there and adjust the one negative payment that the tradeline is reporting then because of the fact that there is no proof of this account or account numbers existence whatsoever I request them that the entire tradeline be deleted from my report. 
Yes they have done nothing but assure me that it is accurate on my reports and every time I call XXXX XXXX and XXXX XXXX assures me the account never existed. I do not know where to go from here but I am very frustrated at this negative payment being reported monthly.

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 2019-07-15
Company: WELLS FARGO & COMPANY
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have had numerous calls from a lady who claims to be calling from an attorney 's office in an attempt to collect an old credit debt sent off to collections. This started last XXXX, when I spoke with the lady she claimed that I needed to pay {$8000.00} by the end of the day, that the interest had accrued that much. When I got off the phone with her after telling her I would see what I could do, I called Wells Fargo. Wells Fargo told me to go into my Wells Fargo bank. The banker made numerous calls and finally was able to find out that the account was in fact charged off and gave me the name of the company and also the number. After I called XXXX XXXX they informed me that the account had been settled and dismissed with prejudice. This company or whoever they are continue to harass me and have now started calling my current employer. I need this to stop.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
please remove fraudulent / unauthorized inquiries off on report from XXXX XXXX on dates 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 2022-01-07
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A agency by the name of Midland Credit Management Inc sent a unknown male individual to my home at night to serve papers. At the time, I am new to the state of Arizona and don't know anybody well enough for them to come to my home at night. I moved away from my previous state due to make stalking and XXXX XXXX by unknown males. This carrier for Midland Credit would not speak clearly so I could understand him no matter how many times I asked. He then forceful say that he have pictures of me. I was shocked! He then proceeded to demand that I show him my ID as he launches for entry to my home. My daughter and minor son was behind the door as I immediately closes my door before he entered. We were in disbelief of the events that just happened. We did not know what provoked this violent event. When I walked my son out the next morning for school I saw a packet of court documents and couldn't imaged all this happened in a very scarry attempt to serve me. I now feel unsafe in my new home. I thought I escaped aggressive men in my old state. I have several police reports of past trauma caused by unknown men that attack my home at night. Please help. I felt safe in Arizona until this happened. I filed a complaint with the attorney general of Arizona concerning this matter. I plan to contact law enforcement and file a report now that I know my rights as a woman. This should not happen to vulnerable women and their families. I now have to install a security system due to this violation against my family and I. Thank you for your help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Cash app they sucks soo much and they are absolutely no help very selfish. Just jerks. XX/XX/2023 at XXXXXXXX XXXX a store clerk from XXXX XXXX  gas station over charged my card TWICE when I only spent a few dollars in store and {$1.00} outside at the pump both times XXXX XXXX was taken off my card. Which was all my money at the time. Not to mention there are two declined charges from the same gas station both for {$40.00} each. Cash app did refund me for one of the stores charges. However the denied the other charge which they still owe me {$37.00}. Instead of paying that back they let the store take my {$40.00} and the {$2.00} I actually owed. Which left me with a negative balance. Cash app has never ever never let me slide and go into the negative before this. So they not only let the gas station rob me for {$42.00}. But now they refuse to stop payment thats going though on a whole different incident. I had all receipts I called the police, and any other necessary proof needed for both of these fraudulent transactions. Yet cash app just keeps letting loss my money over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: SC
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, Account number XXXX, XXXX XXXX XXXX Account number 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 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 explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
check # XXXX writen to XXXX XXXX XXXX XXXX was stolen from post office and the payee was altered and cashed by bank. this was not discovered until XXXX XXXX XXXX XXXX sent me a letter asking for their money.the bank claims too much time had elapsed before I notified them.it was noted on the check that the check was for 2021 taxes.

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