BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This complaint is regarding my WISE account. Wise is an international transfer app. 

My complaint is that WISE will not let me contact them to verify if I have funds in my account. 

Context : I was XXXX and robbed, and during the event my phone was compromised and my assailant transferred money on my WISE app. I became aware of this because there was a charge on my credit card. My credit card reported the fraud and got the transaction reversed. 

Wise then terminated my account. But I believe I had funds in my account. 

When I try to log into WISE, I can't, because my account was terminated. When I try to appeal on their website, I can't, I am told the decision is final. When I try to contact them ( following their directions ), I am consistently brought to their login page to log in first ( but, I can't login because my account was terminated ). 

I believe WISE has my funds and is not giving me the option to return them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
Upon reviewing my credit report, I noticed some unauthorized hard inquiries made to my credit report. I did not give permission to anyone to run 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 2019-06-26
Company: Service Finance Holdings, LLC
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: Account information incorrect

Complaint:
I had an installment loan with Service Finance Company for an air conditioning unit installed at my home. I lost my job and was late on several payments. I paid off the loan fully in XX/XX/2019. I went to re-finance my home mortgage and was informed that Service Finance incorrectly reported the account type to the credit reporting services as a mortgage account which severely impacted my credit score, instead of the proper account type ( unsecured installment loan ). 

I contacted Service America on XX/XX/XXXX to correct the reporting account type to the credit services and they informed me that they can not correct the account type and would issue a letter stating the incorrect account type reported. 

I was informed by my mortgage company that the letter is of little use without correcting the account type with the credit services. I contacted Service Finance again and they are unwilling to correct the account type.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I have reached out to American Express recently and they did not address my issue. American Express is in violation of 15 USC 1666d. I requested my balanced by zeroed out each month per the law, American Express is in violation of my rights as a federally protected consumer. I never stated I wanted my account closed. Now I am demanding that my account be left with a balance of {$1.00} each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER XXXX, XXXX and Equifax XXXX to remove said information even when I mailed them the same info I sent to XXXX XXXX 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was the victim of identity theft. In XXXX of 2022, a XXXX XXXX XXXX checking account was opened in my name. I was able to close this account. XXXX representatives instructed me to contact Chexsystems and place a freeze, which I did in XXXX. I also have freezes with all three credit bureaus. Earlier this week, another XXXX checking account was opened in my name despite all freezes ( Chexsystems and all three credit bureaus ) being active. After speaking with Chexsystems, they informed me XXXX ignored their security freeze. When I spoke to XXXX about this, they informed me that this had happened before regarding Chexsystems and they believe the Chexsystems security freeze is not working properly. They directed me to the FTC and I have made my way here to report my issue with Chexsystems and/or XXXX XXXX  XXXX regarding this issue.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reported on my Credit Report : XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX Balance Owed XXXX {$2400.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-02-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Synchrony bank owes me {$270.00} in refunds on accrued interest payments for mishandling the allocation of my monthly payments towards promotional " no interest '' if PIF purchases. 

Initially I was told via phone that my automatic payments were going to my oldest promotional purchases first. Later I was told over the phone that my monthly automatic payments were not being paid towards my oldest promotional purchases as I had called and requested every month since automatic payments began, but instead distributed across all of my promotional purchases in random amounts. 

This was an intentional act on Synchronys part in order to cause my promotional purchases to default so they could collect interest. 

At no point should any of my promotions have gone into default. Each one was set to be paid in full before the promotions expiration date. Synchrony was willfully negligent in distributing my payments. 

I called Synchrony again to try and resolve the issue on XX/XX/2023. They were uncooperative and said they had no record of phone calls. A supervisor refused to share phone records and told me to subpoena them if I wanted them. I have my cell phone records that show phone calls to their XXXX phone number that last anywhere from 15-30 minutes. These records show outgoing calls I made every month where I request allocation of my payments to older promotions so they would not default. During these calls I was assured each time my payment was being distributed as requested and my promotions were in good standing with no chance of defaulting. 

I have paid my remaining balance to Synchrony bank in full minus the {$270.00} in accrued interest they are requesting. 

Synchrony broke their agreement to distribute my payments to the promotions I requested and is obligated to remove any interest accrued on this account.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
Dear XXXX, XXXX, and Experian, I hope this message finds you well. I am writing to follow up on previous disputes I've submitted regarding inaccurate information on my credit report. Enclosed are copies of the letters sent for your reference.

I previously submitted disputes for several items on my credit report that I believe to be inaccurate. These disputes were submitted to you over 60 days ago, outlining specific accounts and detailing the violations of my consumer rights due to inaccurate reporting.

Despite the stipulated period under the Fair Credit Reporting Act ( FCRA ) requiring an investigation and response within 30 days, I have not received any communication or resolution regarding these disputes.

As a consumer, I am concerned about the accuracy and fairness of my credit report. The lack of response is causing undue distress and affecting my financial well-being.

I kindly request an immediate and thorough investigation into the disputes I've raised. It's essential to rectify these inaccuracies promptly to ensure the integrity of my credit report.

I urge you to provide a detailed update on the status of these disputes and a resolution plan at your earliest convenience. Your prompt attention to this matter is greatly appreciated. 

Thank you for your immediate action on this pressing issue.

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 2021-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On around XX/XX/2021 someone opened up an online account using my personal information with Capital One. I called several times in attempt to get help with this and was told an investigation would be conducted but I never received any correspondence with this company until I made an report. The company claimed that the account was mines due to them matching my address with the same address that was on file to open the card. I recently contacted the FTC and obtained my Identity theft report which I call today to give to Capital One. I was transferred to several departments before the phone hung up on me not getting any assistance with this matter. I am demanding that Capital One does a reinvestigation of this account and deleted all negative information from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have followed the guidelines in disputing incorrect account information on my credit report. The credit bureaus have not responded in a timely fashion, which is against the law. I am now exercising my rights to demand the deletion of the unverified accounts listed in the letter I sent them. This has hurt my ability to obtain credit and need this completed as soon as possible.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: AL
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 have made uncountable complaints with XXXX XXXX  XXXX XXXX, filed disputes with credit reporting agencies, and to no avail have anything been corrected. I have provided documentation and still no proper investigation or correction to all major credit reporting agencies. XXXXXXXX XXXX  XXXX XXXX explained how my account was reported in error as being 60 days late, and the payment for XXXX is not due yet, and it is reported as late 30 days too. I am really disappointed with the lack of assistance and XXXXXXXX XXXXk taking accountability for their errors in reporting my account late 60 days. I have never been over XXXX days late since the account was open. This problem didnt occur until my account was transferred to this company and they are refusing to update reports with all credit reporting agencies and the credit reporting agencies are not investigating as should be to request proper data to validate the false reporting.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently opened a XXXX with XXXX XXXX XXXX XXXX ( Account XXXX ). The Bank never sent me any statement, nor they e-mailed these. When I found out that I was 60 days late on my payment from the Credit Bureaus, I contacted the Bank. They informed me that these statements had been deposited to my online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by XXXX  and they were still transitioning through their new XXXX. Suffice to say that I paid the balance and put the future payments to Auto-debit. 

I have thus far contacted the Bank, and even my relationship XXXX, XXXX XXXX, to no avail. I have never been late or defaulted on my obligations, and I find this instance and lack of their response rather malicious.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 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 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 response to consumer: In progress
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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