BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been trying to access my FREE TransUnion credit report for weeks now, and the message I get is " we are unable to access your report at this moment '' every time I call I get the same excuse they say " It's under maintenance '' without any other explanation, and they just say they do not have access to it, however, they keep reporting to it. On XX/XX/XXXX a negative account was removed from my report and the score should have increased, instead, it dropped for an unknown reason. The same thing happened on XX/XX/XXXX my credit score dropped a ridiculous 67 points when I checked why the only thing changed was two of my balances DECREASED! this should be a good thing, not a bad thing to have caused my credit score to dropped. I demand an explanation since I do have a good credit history and there should be no reason why my score should have dropped 86 points in less than a month because my balance decreased and a collection account was removed. This is crazy, pathetic, and unheard of. Since they aren't willing to assist and give me a logical explanation as to why my score keeps dropping I am filing a former complaint with Transunion.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: SC
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:
Re : Account # : XXXX XXXX XXXX XXXX { XXXX } To Whom It May Concern. 
I disputed the referenced accounts above on { XX/XX/2021 }. The credit report of { Experian } shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report Thank you, XXXX XXXX XXXX XXXX Include the Following Documents - Drivers License Utility Bill

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account kept growing more and More into the negative. I called the customer service line multiple times to verify if XXXX was off because I didnt want it on to begin with. I was assured everytime that it was off yet more transactions were still going through further making the account more negative and assessed more overdraft fees until my account was forced closed and sent to collections.

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 2020-03-26
Company: Premier Student Loan Center
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX - contacted Premier Student Loan Center to consolidate my student loans and participate in the Public Service Loan Forgiveness Act,  as I was working for a nonprofit XXXX. My federal loans were consolidated at this time and my payment was reduced significantly. 
XX/XX/XXXX - XXXX XXXX XXXX reached out to have me recertify for Public Service Loan Forgiveness ( PSLF ). I filled out the employment certification form and returned it. 
XX/XX/XXXX - Premier Student Loan Center reached out asking me to recertify again, this time requiring recent pay stubs and most recent federal tax return, which I provided. 
XX/XX/XXXX Received email from XXXX informing me that my payment would be increasing from ~ $ XXXX/month to $ XXXX/month. I then called XXXX to discuss this increase and was informed that when I consolidated my loans through Premier Student Loan Center, I was able to get such a low monthly payment because they had claimed 5 dependents on my behalf ( I have zero dependents. ) I placed my loans in forebearance for two months while sorting this out and now have an adequate repayment plan through XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-26
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used the web site Remitly.com to transfer {$100.00} to my father in XXXX. The company deducted from my XXXX XXXX   account {$100.00} ( money to be transfered + fees ) on  XX/XX/2020. The company said that the money would be delivered to my father on XX/XX/2020. On XX/XX/XXXX I  received a text message and an email from Remitly.com saying that the money was delivered, however, I contacted my father and he said he has not received this money so far. On XX/XX/XXXX I sent a complaint email to XXXX asking for help, but they haven't replied me so far. 

The transaction number is XXXX XXXX XXXX XXXX. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Some one made a withdraw on my XXXX Bank of America in the amount of XXXX on XX/XX/2023 the last of my. XXXX payment with out my consent. I have been making claims to Bank of America about 7 times and they keep denying my claims saying im at fault when it wasnt. It was fraud skimmer got a hold of my card information. I ask for proof of the surveillance footage or proof that I did it and they never send me anything. I send them a police report I did and I send them a copy of my I.d to verify me and to verify that it wasnt me. They keep denying my claim. Ive been dealing with this over a month now. The reporting and claims began on XX/XX/2023 that i reported this to Bank of America. Its been more than one time they have closed and denied my claims. They dont want to give me my money back.

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 2023-12-08
Company: TransferWise Ltd
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Transferwise uses XXXX XXXX XXXX Bank as its partner bank. Wise advertises a {$4.00} flat fee for receiving USD from overseas using XXXX. Wise also lists under my USD balance account information that the routing, account, and XXXX numbers are for " my account ''. 

In reality, these transactions are being routed through XXXX using their routing and XXXX numbers, incurring fees that are not published nor disclosed by either XXXX nor by WISE. XXXX does not publish any fees fee information, but that is the subject of a separate complaint. 

As Wise 's chosen XXXX XXXX, Wise is aware of the additional fees that it's clients may incur through their relationship with XXXX. 

Wise has chosen to misrepresent the routing/account/XXXX  numbers as mine and/or theirs, and they have also chosen not to disclose the actual costs associated with using their services - information which is available to them but which is not disclosed on either Wise 's website nor on the website of their partner bank. 

This intentional obfuscation of the actual costs of doing business with Wise led me to choose their service as the more affordable option when, in reality, their price was too good to be true. 

When speaking to a customer service agent, I was told that XXXX transfers pass through many banks with each taking a cut. In this case, the total was exactly {$30.00} - the same amount that my bank would have charged for me to receive the money directly. In addition to this undisclosed cost which both Wise and XXXX chose not to disclose, I also paid Wise {$4.00} for the privilege of receiving the money as well as an additional {$.00} fee for sending the money to my checking account. 

I believe that Wise intentionally misrepresents the costs of doing business with it. They stated repeatedly that XXXX is their partner bank, and as such, there should be full disclosure of the associated costs of using Wise 's services. 

At the heart of my problem is the fact that Wise won't disclose to me - either online or over the phone- whether their partner bank charges for this service. XXXX also does not answer the phone, and I was unable to communicate with anyone there. 

I understand that it would be different if we were talking about an intermediary bank, but in this case, it's represented as a partner, so I find it difficult to accept that Wise would simply not know about potential additional costs. It's even more damning for a company which advertises its " transparent fees '' to partner with a bank which intentionally obfuscates its fees. 

Wise has an obligation to its clients to give a full accounting of the actual costs of using its services, and in this case, it appears that they have tried to do the opposite in order to gain a competitive advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: ACIMA CREDIT, LLC
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:
XXXX XXXX promised to delete the COLLECTION from the credit upon payment. The account was settled on XX/XX/28 and the collection is still reporting on my credit. Please delete the collection in its entirety as promised Also ACIMA CREDIT was settled and yet the company didnt update the account as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and DELETED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 XXXXXXXX

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 2023-05-03
Company: Albert Corporation
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I signed up for Albert several years ago. Since then, my bank ( Simple ) was closed and acquired by XXXX, who then was closed and acquired by XXXXXXXX XXXX Albert will not let me withdraw my funds or close my account without a five-year-old statement ( They are asking for XX/XX/2018 ) from XXXX, with whom , I never had an account. I offered to provide a closing statement for the account, but they refused. The account has {$57.00} in it. 

I would like the account closed and the money from the account provided to me as a check.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been disputing two charges with CapitalOne since last XX/XX/XXXX. ( CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX   ) The dispute regards two Charges : One made XX/XX/XXXX for {$1300.00} and the other made XX/XX/XXXX in the amount of {$1200.00}, Totaling {$2500.00}. The merchant was XXXX XXXX The first charge was made XX/XX/XXXX in the amount of {$1300.00} to XXXX XXXX to purchase a treatment given that day, and future treatments. I disputed this charge because the merchant did not get back to me despite my repeated efforts to schedule future appointments.

The second charge was made XX/XX/XXXX because the merchant called in such a fury that I was intimidated into giving her my credit card again. This time the amount was {$1200.00} because I had sent a check in the amount of {$100.00} to cover the treatment that I had received on XX/XX/XXXX ( {$75.00} plus a {$25.00} tip. ) I provided 30+ pages of emails and letters CapitalOne showing my efforts to either be reimbursed or to receive gift certificates from the merchant. The owner XXXX XXXX even alluded to bringing the certificates for treatments to me in XX/XX/XXXX. There was always a strange excuse for why they were not brought to me, including that she did not know where the place I was working was, despite the fact that this is a very small town and the place was just 3 blocks from her salon, on the same street. Since then, the business is closed and I can not locate the merchant.

I also sent certified letters to the merchant, which were returned, and contacted XXXX XXXX XXXX  ( they received no reply from the merchant ), and sent a friend to the place where I received the treatments ( the business is no longer there. ) During this time I have made every effort with CapitalOne to remove the two charges, but I have had no success. Each time I called, I had to rehash the same story to a different person. I received no services for the two charges which total {$2500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: Bread Financial Holdings, 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: Reporting company used your report improperly

Complaint:
My credit report shows that XXXX points were taken off my credit score on XX/XX/2022, and the last company to run my credit score was XXXX  XXXX XXXX XXXX in XXXX XXXX XXXX  by a manager/salesman through Comenity bank and XXXX and I was denied the financial loan for XXXX rings. I recently got mail from XXXX of the Finance companies ( Comenity Bank ) stating that I was denied for Fraudulent behavior on my XXXX score, letter was dated XX/XX/2022 and my Alert for the XXXX was dropped on XX/XX/2022 per XXXX and XXXX Report. The last company before this occurrence was XXXX XXXX for a credit card I was approved for.This fraudulent activity can only be linked to XXXX  XXXX Jewelry and Comenity bank and/or XXXX. Comenity bank report to XXXX. Me and my has been looking at out credit reports per all three credit bureaus and there are very weird companies and credit runs from around that time as well as, Comenity bank shows up on my wifes soft inquires on XX/XX/2022 and we only was introduced to that finance company on XX/XX/2022 At XXXX XXXX XXXX XXXX. A month after that first soft inquire was dated as. Comenity bank popped up twice on mine for that day XX/XX/2022 on my soft inquires. This Still has not justified the XXXX points taken out on XX/XX/2022. We have noticed alot of soft inquires from various companies on my wifes credit report per XXXX since then. In which per XXXX they have her social security number incorrect as well. We do believe ( not sure ) that this Fraudulent behavior does has to do with the manager/Salesman and the Comenity bank. I would like to open up an investigation on the behalf of this and pursue legal action for this behavior. The XXXX was the one that ran us for the loans, Comenity bank is showing odd behavior with there deny on me and ONLY being on my soft inquires as well as showing up on my wifes credit report a month before they were introduced to us and the XXXX points that are not justified, seeing how I was denied before the date XXXX reported and verified the points were taken off my credit score. Also, I would like to speak with an agent regarding this matter, due to the fact there is more information regarding this matter, personally. This is 100 % fraudulent behavior and needs to be handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have reached out to this phone company and all credit bureau multiple times and even tried disputing this claim off of my credit. This bill was not purchased by me. I never had or have any interest in opening a phone plan with this company. I have contacted the company multiples time and they give me no help. I even given information about me being robbed multiple times and all my information was taken and thats where this problem couldve came from they still dont even allow me to explain myself or even give me any help to get this bill off of my credit that isnt mines

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 2018-04-28
Company: CMRE Financial Services, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This was an ER visit on XX/XX/2016. My still current and active insurance information was submitted for payment. I never received a notice from the ER or XXXX stating that the bill would not be paid. Now 2 years later it shows up on my credit report. I would like to know why this is on my report if XXXX did not deny this claim nor was I notified by the hospital that XXXX did not pay this bill? I would like to see some sort of verification that XXXX denied the claim that was submitted for this ER visit.

Company response to consumer: Closed with explanation