BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi, My client sent payment to my account on XX/XX/XXXX via XXXX. It says there will be 1-2 days delay. I've waited but 2 days has passed. Wgen my sender checked the transfer, it shows that the money will be on my account on XX/XX/XXXX. XX/XX/XXXX has also passed and it's still not credited to my account. I started to reach out to XXXX. But their customer service is so slow! And the only response I am receiving from them are generic and they are keep on telling me that they are not disclosing any transfer details to the recipient. That I need to ask my sender directly. My sender reached out to XXXX, but he has not gotten any clear response and updates from XXXX. They already take the money to my client 's account. They just keep on telling people to wait but has no reason why we need to wait for our money. They are saying that they need to do additional checks. We are asking for what and they can not even explain it to us. Additional check from XX/XX/XXXX?? That's too long. They didn't even send updates to inform the customer what's happening to our money! When my sender checked the status of the transfer on XX/XX/XXXX ( the date which XXXX promises that my money will be here ), it shows that they removed the date. Now, me and my sender have no idea where the money is and when will it be credited to my account. They are making fool of people! I have all the screenshots for proof. 

Look at their XXXX page, many people are complainig. There are some that have been waiting from almost a month and haven't received their money. That's horrible! 

I, myself, has a family and kids to feed! I have bills to pay that are already over due and have to pay for penalties for late payments. The amount I am expecting is around XXXX and my husband is expecting to receive around XXXX. Both of our salaries are being held by XXXX! Very disappointing! 

I hope you'll do something about this ASAP. My kids are starting to starve! And WISE DID NOT TAKE THIS MATTER SERIOUSLY! 

Looking forward to your prompt response. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
All 3 credit agencies are reporting debts in collections that are more than 5 years old. Those agencies are XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our XXXX city taxes were not paid by our mortgage company, Mr. Cooper. I was notified by our city dept in XX/XX/XXXX. I worked with Mr. Cooper and on XX/XX/XXXX, Mr. Cooper completed a tax analysis, corrected the tax amounts for both the City of XXXX and XXXX XXXX. The XXXX city taxes, {$550.00}, were then paid correctly. At this time ( XX/XX/XXXX ), they also showed the correct amount for XXXX XXXX, {$1800.00}. On XX/XX/XXXX, I received a new tax analysis that changed both XXXX of XXXX ( {$66.00} ) and XXXX XXXX ( {$220.00} ). These were not the correct amounts. I retreived the XXXX tax statements from both XXXX XXXX ( {$1800.00} ) & the XXXX of XXXX ( {$550.00} ). On XX/XX/XXXX, I sent a message after hours within Mr. Cooper 's secure message system with the tax statements and a request to have them pay the correct amounts to both the City and County. I also asked for them to call me and confirm this was handled. My wife called on XX/XX/XXXX and talked to their XXXX dept. She was told this was being escalated and it would be handled. They said the would follow up once it was resolved. On XX/XX/XXXX, I called Mr. Cooper because I had not received a follow up call. I was assured this would be handled and the taxes would be paid. I called again on XX/XX/XXXX. The agent worked with me to find the correct tax amounts online and entered them into their system. He then worked with the escalation team and they said this would be paid on XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX, neither have been paid and we are getting the same story from Mr. Cooper. The property taxes are now late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
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: Personal information incorrect

Complaint:
There are incorrect personal information and names showing in my 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased my XXXX XXXX in XX/XX/2019. It was a lease with option to purchase at the end of the lease. The dealer mislead me. I was told that my lease payments go towards the purchase price of the car If I choose to buy the car at the end of the lease. It made sense to me because because i could get a new lease or just keep the car and the car would be virtually paid off if I chose to keep it. The opposite happened. I made lease payments for three years and decided to keep the car at the end of the lease expecting too owe less than {$10000.00}. The payoff quote states almost {$20000.00}. I was intentionally lied too. My son who has some intellectual deficits didn't understand the deal they said they were giving me. I myself am a XXXX  citizen. They took advantage of my family and I am very upset. This needs to be corrected as I am considering filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Caliber Home Loans, Inc.
State: NJ
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:
XXXX and XXXX both have my mortgage with Caliber Home Loan as being delinquent. 

I filed a complaint against Caliber Home Loan back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My Caliber loan was closed. 

To my surprise, I checked my credit score and XXXX, XXXX and maybe XXXX now have my account as delinquent. 

I called Caliber and they confirmed I was never delinquent or late.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX  XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2022-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My dispute is with Capital One Bank XXXX XXXX who services my credit account for Saks Fifth Avenue XXXX. I had purchased items in XX/XX/2022 which were later returned the same month within the stores return policy however, Capital One is not honoring the return to the extent of the minimum payment due and has increased my minimum due per the computer system recognizing that I still hold the merchandise thus making me owe more in a minimum payment. 

I have had numerous calls with agents in the customer service depts at Cap One and no one has been able to resolve this matter correctly. My first attempt which was through the Saks customer service team who tried to assist was able to get the minimum payment corrected but I was also on a deferment at the time. The next billing cycle on the monthly statements show a gradual decrease but is nowhere what the minimum payment was before I made these purchases which show on my XXXX statements and now XX/XX/2022. 

I have provided all statements from when I just made the purchases to where the credits were later posted on my account and the minimum payments were never correctly adjusted. I have been told that if my minimum payment was not collected for {$820.00} which I can only pay what the previous past due which was originally in XX/XX/2022 payment that I would be reported to the credit bureaus as 30 days late. I have come to you for assistance and reporting this mishandling of billing since I am unable to resolve this amicably while having the threat of my credit history and file being compromised due to their inability to fix the minimum payment issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian, XXXX XXXX did a *Hard Inquiry '' on my credit and it was supposed to be a soft inquiry not effecting my credit score but it did. 
I went online to file a complaint with Experian and you can not do it there you must call I did and the automated system refuses to allow you to speak with a live person. 
The options i needed to dispute wasn't available so it kept pushing me back into the main menu. 
This happened over and over again. 
I am frustrated XXXX XXXX sent me a " Pre-approval with confirmation number for a XXXX XXXX XXXXXXXX then said a soft inquiry would be done.. 
Not only was i not pre-approved but it wasn't a soft inquiry im now dropped points for a scam.

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 2023-07-22
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit Management was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, Midland Credit Management has not rebutted the affidavit nor have Midland Credit Management sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with Midland Credit Management prior to seeking default judgement, pursuant to XXXX XXXX. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of Midland Credit Management violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/XXXX I was told by Regions Bank I do not get my funds that were wire transferred until next day XX/XX/XXXX as my account was unfortunately overdrawn by {$4.00} although I sold my house and funds were over {$40000.00} wire transferred now I have my XXXX kids and myself can't get a hotel tonight and bank said maybe they will be available at XXXX XX/XX/XXXX bank did not care I am in a hardship with no funds and kids who need to sleep and go to school on XX/XX/XXXX although they have my $ XXXX and this also being a national pandemic COVID-19 that is such a shame for a bank to treat a customer in this manner!!!

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 2023-07-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-07-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For over 15 years i was a client of Sun Trust. Once the bank change and merge with the other bank everything changed, I had an account by myself. My personal account was hacked, I have made that clear to everyone i have spoken to at Truist. 
Someone in XXXX hacked my account, The bank then goes in a freezes my account. 
So no other funds will be compromised. I then find out that Truist goes into my joint account that had NOTHING to do with this and they froze that account and closed it.

They ( Truist ) took {$1400.00} dollars for my joint account. I called and went to the local branch, and they turn around and say that i knew about the fraud!

Them freezing my joint account which was used to pay my normal bills, turned into a complete disaster, The more i pleaded my case with them, the more they did not assist.

My understanding they are insured for this type of issues, along with if there system was working properly it would not have happened. I have submitted complaints on line to the bank and i have recieved XXXX information, besides they do not want us as a customer any longer. I have and will continue to post comments about them on social media until my issue is resolved and my {$1400.00} is returned to me. How can i file a formal complaint and charges against the bank

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 2018-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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:
portfolio recovery associates sent me a letter in response to my dispute regarding the validity of this account XXXX, ALSO two other accounts they have on file with the acct # shown as XXXX, but they sent me a bill WHICH IS NOT VALIDATION AND ONLY VERIFICATION OF AN ACCOUNT, addressed to an address that I have never resided as highlighted on my city of XXXX police department report ( attached ). also attached is the FTC report, and my 2016 tax returns showing my address at the time this account was created please remove this account from my credit report and correct the record, as I have sent several request and followed the law in providing this ID theft packet, which was also sent via certified mail with a return acknowledgement of receipt on your part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: NC
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:
Disputed items on credit report as a result of identity theft / fraud with submitting an Identity theft report from the Federal Trade Commission. Items disputed were XXXX XXXX and XXXXXXXX XXXX XXXX XXXX has been removed but XXXX XXXX is re-appearing. These items have been removed twice now, and the original investigation has exceeded 30 days. If these items are going to continue to be removed, they need to be blocked as the law states. 

Please refer -- 15 U.S. Code 1681c2 states " Block of information resulting from identity theft. A statement by the consumer that the information is not information relating to any transaction by the consumer. '' The law requires the information that is a result of fraud to be blocked. This is the third time I've had to dispute this information. And the investigation process has exceeded thirty days. I will now be filing legal complaints with my state attorney general office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: DE
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

My current correct Address Street Number , Street Name, City, State is XXXX XXXX XXXX XXXX, Delaware XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.

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 2023-04-21
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On a consistent basis Truist continues to take money out of my account in multiple fees per day. I look at my account all day and my account is always 90 per cent of the time in the positive before I go to sleep. When I wake they have stolen hundreds. In XXXX alone I have 25 or more fees. I gave the cash app transactions to show XXXX deposit all money the moment it is overdrawn. I also have the time frame resulting in no reason for the fees. Given the current banking situation I dont keep a lot of cash in the bank sitting but I can always transfer with the touch of a button. Like I say. I have the time of transfer. When night comes they go in and I dont care if I transferred my money at XXXX am. They still give me a fee. Something is not right if one person has 20 or 30 fees a month. Someone is stealing and its not me. I think I am a target. I am crying and broke and not working! They should be ashamed. I am suing them. I have my cash app statements with the times of the deposit. Any one can look and see this is theft. If I was so overdrawn and all the fees are legitimate then how am I staying out of overdraft? How could I pay the amount and the fees? Because I have pawned everything I gave to give to the thieves. I need help asap!!!!

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