BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TransferWise Ltd
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For years, I previously had accounts for years with Wise ( previously TransferWise ) without substantial issue.

This year, however, Wise has for months failed to resolve and remedy several failings that have been both directly and indirectly damaging for me personally and for my business : 1 ) That Wise has repeatedly held business transfers for weeks without notice and with no responsive means to resolve these hold. In multiple cases these holds were well beyond the stated timeframes for release 2 ) That Wise has for months held one business account in a state of " sanctions review '' despite that business 's having already provided valid, unexpired, up-to-date documentation as required to open the account. Wise continues to exceed the completion times provided for its own internal review it states to undergo in connection with several unresolved complaints I've lodged through email and phone conversations with Wise.

3 ) That Wise has cancelled inbound transactions while also failing to provide timely response regarding this months-long purported internal review.

4 ) That during the years of my use of Wise as a verified account-holder, Wise has demonstrated absent public policy, absent documentation, conflicting documentation, and conflicting accounts between various Wise representatives regarding these matters : - How to create, join, or access a Wise business account when a Wise user already has a Wise personal or business account - How to access, own, or manage multiple business accounts when one or more of the businesses require ( per security & compliance requirements ) accounts be made using email account ( s ) and domain name ( s ) authorized by and specific to that company - To what extent and by what means Wise supports having multiple profiles ( user logins ) given the dearth of clear policy, clear user experience, and accordant systems design around supporting multiple account access that also meets extremely common compliance requirements of client businesses- Wise 's demonstrated inability and/or refusal to reflect validated, approved account changes consistently throughout its services and interactions with customers and third parties - Wise 's demonstrated inability and/or refusal to address customers by their verified legal name ( s ) and or expressed title ( s ) or means of address - Wise 's demonstrated and extended failure to address almost universal misgendering in its customer support operations- Wise 's demonstrated failure to acknowledge the above and other failings and related failure to protect customers from the time-consuming and financially devstating implications of the corporate gaslighting implicit in the failings taken together

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20
Company: Exeter Finance Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Paid {$6000.00} to Exeter for interest and principal. Exeter paid the fees instead. In addition, th credit bureau is reporting XXXX + is still owed. 

XX/XX/2021 XX/XX/2021 Fee Payment Applied Undefined - Undefined - {$50.00} XX/XX/2021 XX/XX/2021 Fee Payment Applied Undefined - Undefined - {$390.00} XX/XX/2021 XX/XX/2021 Payment Applied Agent - ACH - {$2500.00} XXXX XX/XX/2021 XX/XX/2021 Payment Applied Agent - ACH - {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Experian Information Solutions Inc.
State: GA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-01-03
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received notification that XXXX XXXX was transferring my loan to Specialized Loan Servicing on  XX/XX/XXXX. I requested a payoff from my second mortgage XXXX XXXX whom required a wire transfer to pay off my second loan. On XX/XX/XXXX through XXXX XXXX I wire transferred {$450.00} to XXXX XXXX 's account number. The XXXX XXXX clerk listed XXXX XXXX XXXX XXXX as the beneficiary. The tracking number was XXXX. The wire transferred was delivered. XXXX XXXX inadvertently accepted the wire transfer from XXXX XXXX and applied the payment to my mortgage. It is unknown how the payment was applied as neither XXXX XXXX or SLS have provided a payment history. On XX/XX/XXXX my loan was transferred to SLS. The {$450.00}, according to XXXX XXXX was transferred to SLS. SLS has claimed that they had the funds but were not applied to my XX/XX/XXXX payment. According to SLS an investigation regarding the wire transfer was opened. On XX/XX/XXXX, in a phone conversation, I paid the remaining {$780.00} to make my loan current for the month of XXXX. On XX/XX/XXXX I sent a certified letter to SLS regarding the wire transfer and discrepancy in how it was applied to my loan. The letter was to arrive on XX/XX/XXXX. The same day I mailed a check for my XX/XX/XXXX payment in full to a separate XXXX XXXX for SLS ( certified receipt XXXX, confirmed delivery ). The payment was received and SLS rather than depositing my check withdrew the money from my account as an ACH payment. The money was withdrawn on XX/XX/XXXX from my XXXX XXXX   XXXX account ( check number XXXX ) I did not and have not authorized any ACH payments with SLS. I received an email confirmation that the payment was received. On XX/XX/XXXX I contacted SLS again to resolve the status of my loan and address my letter. SLS then told me that my {$450.00} was applied to my XXXX payment ( as an autopost ), but now my {$780.00} payment had been applied to my principal as it was a partial payment ( as a curtailment ). I informed XXXX that the representative never informed me that my payment would be applied to my principal but that we had an in-depth conversation regarding that this payment would make my monthly payment current. I was never requested on informed XXXX XXXX or SLS that I wanted to make an additional payment toward my loan at any point in time. According to my financial records, my XXXX payment should be current and my XXXX payment was paid by check. According to SLS 's online history of my account the XXXX payment in the amount of {$1200.00} has NOT been credited or received by SLS. All payments have been made to both XXXX XXXX and SLS and my account is current. It is my belief that SLS is attempting to foreclose on my home and committing fraudulent acts with criminal intent.

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 2023-12-29
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received an email this morning stating I have a new checking account through M & T bank. It is an M & T EZ Choice Checking account ending in XXXX. This was not opened by me. I have called M & T and they shut the account down immediately. They will be sending me information on how to protect my identity since it was compromised. I have also reached out to XXXX and froze my credit report. There are checks on the way that I will not be charged for as well as debit card that I am to destroy as soon as I receive it.

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 2021-02-01
Company: Bread Financial Holdings, Inc.
State: MA
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
The CFPB allowed the respondent to the consent order ( Wells Fargo ) on administrative proceeding file no. XXXX to dictate the affected consumer 's validity and redress.

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 2023-08-27
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The loan agency reported to the consumer reporting agency without my consent. On XX/XX/23 saying amount owed is {$4000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: U.S. BANCORP
State: SC
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Notice of US Bank Relia Card services provided by the Government of the XXXX XXXX XXXX for Excise Periods XXXX, XXXX, XXXX, and XXXX in-progress ; the selection requests directed to exempt property servicing personal checking eft-direct depositing banking construction E-Filed Agreement periods. 

The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund XXXX transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :

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 2019-03-31
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I wrote to you and my complaint number was XXXX in reference to a line of credit I have with TD bank. You reached out to them and they informed you they were going to work with me by reviewing my tax returns to either reconsider the loan or convert my line of credit to a lower interest rate using a property of mine that is free and clear as collateral. They ( via conference call XXXX XXXX and XXXX XXXX from TD bank the vice president XXXX and XXXX the Manager ) reached out to me on XXXX offering these options and requested my signature to pull my credit and 2 years tax returns. I gave them both XXXX due to the holiday weekend. 
Through a series of emails and phone conversations over a few months, always initiated by me and I have track of them all, they have informed me that the bank did in fact make a mistake that there was no problem with my credit report and in fact the original concern of a XXXX charge off was handled and was not charged off, XXXX removed it from my credit report as it was an error. My credit score was never in question that it was XXXX when the line of credit was opened and has since gone to a XXXX with no deviation in the time frames. 
With that being said they never carried out the options they told me they would as per their response to you in my initial complaint. They told me they could not for whatever the internal reasons were re instate the initial line of credit but would then use my property for collateral. They have not done this. I have no idea what they are doing cause every time I call them or email them there is a delay and I believe they are lying to me. The proof is attached cause they have asked me to sign documents sent to me that is stating my loan is XXXX when it is a line of credit for XXXX. They didn't send this to me until XXXX told me I had to have it signed by XXXX. This banking institution cant possibly be following any guidelines and are totally frustrating me as a consumer.They are even charging me over a {$100.00} a month late fees during this process when I am in fact paying on my account. These fees are incorrect. I feel someone should never have to go through this process. If you notice since my last complaint it has taken them 4 months to send something to me of which I thought was relating to my collateral property and that process and it is the original loan I wrote to you about but now at an even higher rate. I please need someone to work with me along with this bank cause nothing is being resolved and I am still paying my monthly interest installment being patient during this whole process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023, I charged {$4400.00} to my Citi credit card. I already had a {$1500.00} balance at 6.99 %, a {$370.00} balance at 5.99 %, and a {$2600.00} balance at 0.00 %. I accepted an offer to finance the {$4400.00} at an APR lower than the standard APR of 19.24 %, which I believe was 8.99 %. Later, I received an insurance reimbursement for {$4400.00} and wanted to pay off the latest offer. I called Citi, and I was told that they could not direct the payment, but the highest interest rate would be paid off first according to law. Since the balance of {$4400.00} had the highest interest rate at 8.99 %, I thought it would be paid off first. 

Instead, the payment XXXX out {$2600.00} balance transfer at 0 %, the {$370.00} balance at 5.99 %, and the {$1500.00} balance at 6.99 %, leaving behind a balance of {$4100.00} at 8.99 %. I believe Citi has broken the law by paying off the debts with the lowest interest rate.

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 2023-08-26
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is an account that was purchased from Big Lots. I have yet to receive a contract with my Wet signature on it. I asked for this information when XXXX XXXX called me and they never sent it. They call me repeatedly throughout the day from different numbers. This is a form of harassment. 

15 U.S.Code 1692k ( a ) ( 1 ) - Allows for any action of damage.

AFFIDAVIT Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to XXXX XXXX XXXX abusive and deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX or XXXX of 2022, there were fraudulent/ unauthorized charges on my credit card in the amount of {$200.00}. I called my credit card company and filed a dispute for these charges. I was informed the transaction would be investigated and after 30 days would receive the results. After 35 days with no update, I reached out to the company to see what was going on. I was then told that my account would be credited the {$200.00} and that any past due/late fees accrued during this time would be waived. 
Another month passed and I received notice from my credit bureau that the account was delinquent and over the spending limit. My XXXX XXXX dropped significantly due to these claims. I once again reached out to my credit card company and was told that the account should have been credited {$200.00} back in XXXX and the past due and late fees should have dropped off. The representative could not explain to me why the company had not yet processed the credit and removal of any fees. I received a letter in XXXX that my account has been closed " per my request ''. I never requested for my account to be closed and once again, the representative could not give me information as to why the account was closed. The credit bureau is reporting a late/delinquent/closed account for my XXXX XXXX account, all of which is inaccurate and damaging. The company failed to remove my late fees and past due fees the accrued in association with an account credit of {$200.00} that was supposed to be honored. Due to their negligence, my account went past the spending limit due to late/past due fees and no promised credit.

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 2021-10-26
Company: EQUIFAX, INC.
State: GA
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:
ive disputed several times incorrect informatoion on my report from XXXX XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: DISCOVER BANK
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
from : my credit report activity Alert Someone used my credit XXXX2021 Source : XXXX Business Name : Credit Collection Service Balance Amount : {$910.00} Business Information : XXXX XXXX XXXX XXXX, Ma XXXX I contacted XXXX that someone used my credit to remove this bill off my credit report and filled out all the necessary paper work and mailed on Monday XXXX XXXX, 2021 and have not hard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My wallet was lost in XX/XX/XXXX. I was monitoring my credit cards but I continued to make payments to the card without any charges. For the last two months I have been requesting a new card ; however, I never received one. When I called today XX/XX/XXXX, I was told the account was closed. When I inquired why, I have been giving three different answers : first, they stated I closed the account ; incorrect ; second, the bank closed the account after a review, incorrect and third-the account was closed because I never received the requested cards. To reopen the account they have to run a new report which affects my credit. Which I told them Im current on the account and I never closed the 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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