BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: TransferWise Ltd
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, XXXX  I attempted to use WISE to transfer {$60.00} euros to XXXX  a XXXX insurance company, to cover a co-pay for my deceased brother-in-law. I erroneously put his name and date of service in the purpose line so XXXX  immediately returned the payment to WISE on XXXX XXXX, XXXX  because they did not know where to credit the payment. WISE then sent the money to an unknown account on XX/XX/XXXX. XXXX has assured me that they did not receive a payment on XX/XX/XXXX. WISE refuses to provide me with the account number to which they sent the payment but have shared that the address is in XXXX. XXXX is located in XXXX. I am attaching the document that WISE gave me with details of the transaction on XX/XX/XXXX. It seems that they sent the money to the wrong bank. ( See details in the first email chain that I am attaching. ) I have asked them for a refund but they have replied that they have asked the bank for a refund but that this process takes time and is at the discretion of the receiving bank. I have been asking for this refund since XXXXXXXX XXXX XXXX XXXX. I will also attach their latest email to me after one month without hearing from them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a BJ 's Mastercard issued by Comenity Bank. Comenity Bank has been having issues with their website and they are not taking calls. Approximately 2 weeks ago I tried accessing my account and the website was down. I called and the automated system said they're having problems from an upgrade and to call back later. My call was disconnected. Earlier today I was able to log into my account and wanted to see my XXXX statement which should have closed approximately 2 weeks ago but the last statement available on the website is the XXXX statement. Again I called. The automated system said my statement was mailed to me on XX/XX/19. I never received it and I turned off paper statements 2 years ago. Again I tried to talk to customer service and got the same message and was hung up on as previously described. The internet has many reports of others having similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/22 contacted XXXX XXXX of PennyMac regarding a streamline refinancing. He discussed the requirements and took application. I informed him wife XXXX need to be on application because we were joint tenants. On XXXX I again sent message stating wife needs to be on loan. On XXXX I was called by closer XXXX XXXX XXXX and she stated she needed my wife 's information. I provided and vented about the process. I asked why the company did not ask for documents up front and not as they go along in the process indicated it was frustrating to the customer. I was told she would schedule closing in the next 48 hours. On XX/XX/22 I sent a request to XXXX XXXX XXXX and asked why was the loan origination over {$6000.00} on a VA XXXX refinance he never answered my question. On XX/XX/22 the loan closer XXXX XXXX called my wife and told her XXXX XXXX XXXX called her and said PennyMac could not do the loan because my wifes 's credit score was too low. I called and questioned XXXX XXXX and asked why performed a credit check and there was not a requirement to do so on a VA XXXX  refinance. He responded PennyMac does not accept loans unless credit score is a at or above XXXX. I asked why was you not upfront and did not state PennyMac had additional requirements to a VA XXXX  refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance if the validation of debt request isnt completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payment. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-07-08
Company: LEXISNEXIS
State: AR
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:
I disputed a bankruptcy that was reported to the credit bureaus on my credit report by LexisNexis. I reached out to the bureau and they said Lexis nexis verified this bankruptcy belonged to me. I in turn reached out to Lexis nexis to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for LexisNexis to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 circled the errors in red, circled errors in yellow also. Sent copies to all 3 bureaus and the CFPB. Nothing is corrected, ever. This has been like this for 2 years.

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 2022-05-18
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX will not remove the account off my report. I'm trying to get a mortgage so I paid the debt. Explained it was not mine. It came back fraudulent from XXXX and XXXX and they deleted it. XXXX will not. I have never been to XXXX. I don't know where it is but I have XXXX collections from there on XXXX. I called XXXX, disputed on phone and online and they still won't show me accurately that it's my collection because it isn't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Having only XXXX credit card in my name, I began researching different reward credit cards to find an offer that was of most value to me. I selected an offer through the XXXX ap for an American Express credit card. The offer was for XXXX XXXX XXXX  as well as a free reward night if I spent {$2000.00} on the card within XXXX months. Upon spending {$2000.00} within XXXX months I contacted American Express to see the status of my free night reward. I communicated with an American Express representative through the chat feature and she explained I would be contacted in a week after researching. I was never contacted and followed up by calling American Express. I spoke with XXXX who is a supervisor and she stated upper management would not be honoring the advertised promotion of the free night. I explained I had proof of the offer and promotion through a screenshot I took during the time I applied for the credit card. I would not have paid and selected a card with a {$95.00} annual fee if I would not be receiving the free night being offered. I believe this is another example of consumer harm. XXXX XXXX has been advocating to end. I would be willing to use my example in showing how credit card companies are harming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I pay all of my bills at the same time every month. I go through a checklist and mark each paid as I go. I have zero late payments on my credit history and am very meticulous about my credit. 

I had a loan with Chrysler Capital for a car lease. I've been with them for almost 6 years and you can see my history with them is impeccable. I'm always on time. 

I'm not sure exactly what happened in XXXX, but I paid my bills like usual and for some reason this payment did not go through. I'm assuming a technical error on their end. It did not have to do with the money in my account as I maintain more than enough in my account to cover XXXX payments. 

I did not notice this happened at the time. I found out when it was reported to a credit bureau and my credit monitoring alerted me. 

In that time, Chrysler Capital did not email me ( even though they email me for everything else ), send me a letter, or call my correct number. I literally changed my number with Chrysler Capital 5 times over the last 5 years. They called my old number that I keep trying to delete, even with them on the phone. They are completely incompetent. 

So they can't do something as simple as call the correct number that I changed 5 times, or email me, even though I have been a loyal customer to them for many years. 

I have called them several times and spoke to several people that were very rude ( I was nice as pie ) that all told me they can not remove this blemish from my report. 

On top of this, I am trying to move my family out of a bad area and buy a new home and now my mortgage rating dropped from this one blemish and I am unable to buy a home. With the new rate because of the drop in my credit score, it is unaffordable. 

Chrysler Capital has been horrendous through this entire process and can care less that they ruined someones life because of an error on their side and their incompetence to inform me of the error and late payment. 

Because of this, I will never purchase a Chrysler, XXXX, XXXX again and I will make it my duty to make sure anyone I know stays away from this terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received my credit report XX/XX/XXXX and I noticed some more inquiries that do not have permissible purpose supposed to be on there. Ive contacted the credit bureaus, and the issue is still not getting resolved and they keep violating my rights under 15usc 1681 b, I also attached the hard inquiries that do not suppose to be on 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 2022-07-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 : Also States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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. Capitalone Spark Business XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 : XXXX XXXX XXXX XXXX has violated my rights and sent me to collections of XXXX 15U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) Section states : no consumer reporting agency can make any reports containing any of the following items of information. Any adverse item or information other than records or conviction to crime which atendates the reporting 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 have any reasonable cause to believe that the information is inaccurate.

Also my hippa law was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
My n ame is XXXX XXXX, and you all have received the complaints that I had from all 3 credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from FAIR COLLECTIONS & OUTSOURCING XXXX of 2021 in response to a debt validation letter I initiated. Upon my research FAIR COLLECTIONS & OUTSOURCING is in violation of sending a copy of the consumer credit contract which is not sufficient to validate the alleged debt per evidenced by XXXX XXXX XXXX XXXX XXXX v. XXXX. As a result, this violation has furnished false and misleading representation per 15 U.S. Code 1692e.

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 2023-08-01
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:
I am writing to lodge a formal complaint regarding a disputed account on my credit report, which is adversely affecting my credit history. The account in question is related to an auto loan with XXXX, and I strongly believe that they are inaccurately reporting a balance despite agreeing to a settlement. 

Account Information : Creditor Name : XXXX Details of Dispute : On XX/XX/2022, I entered into a settlement agreement with XXXX to resolve the outstanding balance on my auto loan. Per the terms of the settlement, I paid the agreed-upon settlement amount, which was accepted and acknowledged by XXXX as XXXX satisfaction of the debt owed. I have copies of all relevant documents, including the settlement agreement and proof of payment, for your reference. 

Despite the settlement and full payment made, I am dismayed to discover that XXXX continues to report a balance on this account. This reporting error is unjustifiably harming my XXXX XXXX and affecting my ability to obtain credit and loans at reasonable terms. It is my understanding that once a settlement has been reached, the balance should reflect as {$0.00} on my credit reports, indicating that the debt has been fully resolved. 

Steps Taken to Resolve the Issue : I have attempted to resolve this matter with XXXX directly by contacting their customer service department on multiple occasions. However, my efforts have been met with unsatisfactory responses, delays, and lack of action. Despite providing evidence of the settlement, they have failed to correct the erroneous reporting on my credit file. 

Request for XXXX : I kindly request the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf. I ask that you ensure XXXX updates their reporting to accurately reflect the settled status of the account and show a balance of {$0.00}. Furthermore, I request that appropriate measures be taken to prevent such inaccuracies from recurring and negatively impacting other consumers. 

Thank you for your assistance in this matter.

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 2021-06-02
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We, XXXX XXXX and XXXX XXXX ( husband and wife ), the borrowers and now the owners of the property purchased on XX/XX/2021, received the mortgage loan from Citibank in connection with the home-purchasing transaction. Prior to the settlement, a closing disclosure was issued to us from City Bank indicating that the mortgage tax in the amount of {$10000.00} would be due and payable at the time of the closing. However, on the day of the settlement, the mortgage tax that had to be paid was actually XXXX and the we were compelled to pay the difference at the time of closing. 
Our real estate lawyer representing us at the closure, has later followed up multiple times to try and resolve the situation. I have personally contacted Citi and was not assisted.

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 monetary relief