BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: TransferWise Ltd
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a transfer from XXXX XXXX XXXX to my mother 's account in XXXX XXXX using the money transfer company, 'Wise ' ( previously known as TransferWise ) on XX/XX/XXXX. I have attached the transfer details to this complaint. The facts are as follows : - I sent {$1200.00} to Wise from XXXX  XXXX XXXX on XX/XX/XXXX - Wise acknowledged receipt on XX/XX/XXXX - The money did not arrive and I called on XX/XX/XXXX to inquire as we discovered that the account I had provided at the receiving bank had been closed ( Without my knowledge ). I sent them evidence of the account closure and they told me I had to wait for the money to " bounce back '' - I called on XX/XX/XXXX again and they said I should keep waiting - On XX/XX/XXXX I spoke to them again and Wise advised that they would initiate a funds recall via their intermediary bank ( XXXX XXXX ), but they said they could not guarantee actually finding the funds, which I found really outrageous - The result of this recall is that I received {$320.00} of the {$1200.00} and on XX/XX/XXXX Wise explained that they could do nothing about it and that they would not be able to investigate anything further. The answer to every question I've asked them in this process is " they don't know '' and they have no way of knowing, which is shocking as costumer entrusting money to them, and not have them be liable for this money. 
To sum up, no service was provided, my recipient didn't receive the money and I lost a considerable amount. 

At this point I have no ability to get these stolen funds and I am seeking CFPB support in having them returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home  XXXX  of  XXXX  for  XXXX . Due to my divorce in  XXXX  I discovered my ex wife did not make mortgage payments for 6 months. I filed a Chapter  XXXX  and caught up with my mortgage payments. Within the last 9 years my mortgage payment never been 30 days late. A few months back I asked  Keybank for a payment history since the life of the loan. Keybank charged me {$30.00} which is illegal! I recently asked KeyBank for a payoff of my home. Keybank sent me a payoff of approximately {$77000.00}! My problem is this, in 18 years of paying Keybank o nly {$3000.00} was applied to my home loan!! This is considered  Predatory Lending in the State  of Ohio. My payoff is {$37000.0 0}!! Keybank also refuses to acknowledge my excellent payment history with all   XXXX   credit reporting agencies. I am enclosing all proof to my claim against Keybank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My accounts were closed without any prior notice to me. I had award balances that were forfeited from my account, with no recourse to claim them.

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 2019-06-07
Company: EQUIFAX, INC.
State: IL
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/19 Initial request sent via postal mail for correction of information contained within Equifax credit report. I included documentation from collection agency. No response received. 

XX/XX/19 Follow up request for correction of information contained within Equifax credit report. Once again, I included documentation from collection agency. Still no response received. 

This credit reporting agency is being allowed to violate several laws! They did not respond in writing via postal mail, which is how I initially made contact with them. They have not removed this derogatory information from my correct ( I have documentation and proof from the collection agency ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XX/XX/2023 DEPT OF ED XX/XX/2023

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 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/2023

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Accounts : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( TRANSUNION ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

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 2017-05-16
Company: FC HoldCo LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Was a victim if fraud in our bank account and due to that had a returned payment. Left messages for the account  manager  and sent emails and no ine has gotten back to me. Everytime i call in they just tell me to pay in full or my car will be repossessed.

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 2017-05-16
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, I am  XXXX  and receive  XXXX  from Social Security. Due to financial hardships as of late, I can no longer paymy car as I use. I am months behind. And I thought I would have been able to be done paying this car loan by now but I have not been able to. The car has developed lots of issues, in which I have been paying to get fix. My  XXXX  source of income is Social Security, in which I get {$1100.00} a month. I pay {$600.00} towards rent and take care of my grandson. I use to have {$260.00} saved every month to put towards my car but for the past month I have been having lots of issues. I have spend over {$3000.00} on fixes on the car, money I do not have but have been borrowing to get the car fixed. I have had to pay this debt. And it maybe in vain since this car payment is so far behind, it has been marked for repossession.     I wrote a complaint before about charges I did n't understand from  Santander an d trying to see where I am in my payments. I do not have acess to online to track my payments etc ... I would like access. I would like to figure out payments and work a deal. This is my only means of transportation. Being that I have no credit or means of getting another car. My birthday is  XXXX   XXXX  this month and I would like that as a gift if we could work something out and I get to keep my car as a gift. As of today, I am so far behind, I know I wo n't be ablt to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX fl XXXX XXXX You are in Direct Violation of The Fair Credit Act { XXXX XXXX and XXXX XXXX XXXX XXXX  } HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602A CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604ASECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRRITTEN CONSENT.

15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE REMOVE THESE LATE PAYMENTS AND UPDATE THESE ACCOUNTS IMMEDIATLEY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Professional Finance Company, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a communication via mail in XXXX XXXX. I called on the XXXX to respond and request debt validation that I am allowed. The bill was for a gas company. A {$400.00} gas bill seems to be completely insane! The residence claimed is a single family home, how could a gas bill get THAT high? There has to be a mistake I originally spoke to a XXXX who was excessively rude to me and when I requested that all communication be written, she told me that meant a cease and desist of all communication. I tried to correct her but she would not listen at all! I requested to speak to her manager but she transferred me to a voice mail. I called back and got a hold of a XXXX who also refused to find a manager for me to speak too. I called back again and got a hold of XXXX who pretended like she had never spoken to me. I finally got a hold of XXXX ( a presumed manager ) on my 4th time of calling in. He talked over me and had an attitude about me requesting that he be polite. He refused to send me debt validation and told me I had to write in. No other collection agency does this. If you call in, they all will send out the required validation as it is a recorded line and it can be proven you request it. I asked him about the type of validation and had no clue what I was referring too. It was clear he does n't know FTC law requiring what consumers are allowed to request. He also tried to force me to admit the debt as mine though again, I havent even received validation! I asked for him to pull the call with XXXX and he just hung up on me. He did n't say he would look into the matter but just hung up rudely. I never raised my voice, but he constantly talked over me as I tried to explain the issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
I pulled my credit report and it is showing multiple inquiries from XXXX XXXX and I don't know why. I have not inquired any new credit or tried to so I am asking for these inquires to be removed from my report. it is inaccurate and needs to be removed according to 15 USC 168 ( 5 ) the following are XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-18
Company: SYNCHRONY FINANCIAL
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an online high yield savings account with Sybchrony Bank. I has some issues with understanding how to do the mobile deposits. My mistake. I finally figured it out and they accepted some money. Ever since then which has been since the beginning of XXXX my account is restricted. It is supposed to be under review. I am to receive a phone call from the security department. I have called them now XXXX  times to find out when this will be fixed and each time the amount of time it will take gets longer. I called this past Wednesday XX/XX/16 he was very nice but even he stated that he didnt know why it was taking so long and he sent them a follow up request. I asked why I cant be transferred to them and he said they dont have a phone numberwhat??? I want to close this account and I want my money back and I cant do anything because of the restriction. It is my money!!! He of course conveniently didnt email me the transcript of this conversation. I am beyond frustrated.

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 2023-05-19
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
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:
XXXX just sold my information after i complained about it on here. This is fraudulent in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XXXX of XXXX I have been unable to place or remove a security freeze from Equifax credit report online or over the phone. I let them know about this issue in XXXX of XXXX and XXXX of XXXX with what turned out to be empty promises that they would correct the problem. 

As a consumer I have been unable to probably protect myself and my identity for more than 6 months due to the negligence exhibited by Equifax. They are in violation of Public Law 115-174

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently became aware of a credit card with   XXXX   XXXX    that was opened in my name by my sister and her husband. The account is past due and affecting  credit score  because both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them. After  2  weeks never heard back from them and called them again to get the status and was put on hold for over  30  minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. 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 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 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