BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I submitted a transfer request in the amount of {$4300.00} with the company TransferWise, now rebranded as Wise.

There was no communication of any need for verification at the time this company accepted the wire transfer. Thus, the funds were taking from my bank account prior to me having any knowledge of the extra time it would take for it to be delivered.

Once funds were received the company communicated that the transfer would undergo verification. According to them this would take 4 days and the money would be delivered on the XXXX of XXXX. 

Today is the XXXX, marking 15 days since the transfer was requested and the money taking from my account. It has been 11 days since the scheduled delivery date. 

I have called the company 5 times. Each time I was told that they would verify my account and call me back. I have not received any calls from the company. I have also sent emails and messages to their XXXX page. They refuse to give me a straight answer as to a realistic timeline. They refuse to refund me the money. They refuse to deliver the money to the person I sent it to. They refuse to explain what exactly this verification means. 

This company has fraudulently kept my money, not paying interest for having borrowed it, and continues to refuse to deliver on the services I have paid for. 

Had the company communicated clearly the time it would time for the transfer to undergo verification, I would have had to opportunity to make decisions that would minimize the harm caused by it. 
Instead, their lack of communication and transparency has cause extreme difficulty to myself and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have autopay setup through Synchrony 's autopay system for my credit card account with synchrony bank. The auto payment was processed on the due date of XX/XX/XXXX. The funds withdrew from my checking account on XX/XX/2023. However I was marked as past due on the XXXX of XXXX and was accessed a late fee of {$30.00} at the close of business on the XXXX of XXXX. I received an alert from one of my account monitoring apps that I was charged a late fee on the XX/XX/2023. When I contacted Synchrony bank they said it was because I had modified my autopay after the statement closed and that a payment was due. They had no record of the payment that had already withdrawn from my checking account and made no attempt to investigate a payment issue. I was blamed for the payment not processing. After telling them multiple times that money had been withdrawn by Synchrony bank for the amount of the autopayment they advised that the payment will most likely post tomorrow ( XX/XX/2023 ) and the late fee would be roll off. 
After escalating this to an account manager and asked if there was a way to avoid getting a late fee, he stated there is no way and that autopay can only be scheduled to withdraw on the due date and that a late will be charged until the funds completely clear from the bank and is received. I have checked my credit card agreement that is included in my statement and no where does it state that a late fee is the policy until funds are full received and processed. My second issue is that according to the credit card agreement interest is calculated daily based on the balance of the account. The late fee is apart of my balance for 3 days. This means that it is accruing interest for 3 days. I have taken a screenshot of the late fee that is showing as a completed transaction as of XX/XX/2023 and have received zero assurances that this will not cost me interest. This policy which I have been advised I can not avoid by an account manager is an undue burden or at the very least deceptive.

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 2022-08-15
Company: EQUIFAX, INC.
State: MI
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 Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: T.S. Holdings
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom this may concern i have recently gone over my credit report and spoken with an collection agency that is reporting to my report the agent i spoke with is XXXX from IQ DATA INTERNATIONAL, also i have gone over the itemized billing with XXXX and he stated that i was being charged {$3000.00} for a termination fee, which i have in written documentation that it is supposed to be waived, so that is inaccurate also upon checking IQ DATA original amount reporting to my credit report is {$4500.00} of which {$3000.00} as the termination is not supposed to be there. i also received the itemized breakdown from XXXX at XXXX XXXX XXXX which states the same also with the mailed letters that show the itemized breakdown. as per the recorded call majority of my balance is being charged based on a termination fee of which I'm not supposed to be charged for due to moving because of mold in apartment, as per FCRA 15 U.S. Code 1681e ( b ) states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 



which means this collection needs to be removed/deleted from my report due to the inaccuracy of the reporting. please remove Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: OPTUM BANK, INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/, I called Optum Bank, my XXXX and XXXX  provider, and asked for an explanation as to why my and my husband 's new XXXX cards were sent addressed to my husband only, particularly because I am the primary account holder, the account is through my employer, and I am the only one actively managing the account. I expressed concern about how this possibly could have happened and strongly suspect gender bias is integrated into Optum 's systems. It is in our recent history that women were allowed to have bank accounts without the permission of their husbands, and this bypassing of myself could be indicative of wider problems with Optum 's apparent bias and inclusion. I am requesting a written explanation for how this happened and an action plan for how Optum is going to prevent this from happening to myself and other women in the future. I asked to be escalated to a supervisor and am still hold. I've been on hold for over 45 minutes now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Every single week for the past 6 weeks, my direct deposit has gotten later and later and later. I work for a big company where payroll is done the exact same time every week by the same team. 

We are now in a week where I'm being told " Wed appreciate if you'd just wait a bit '' when I inquire about my deposits that were supposed to already have been in my account. 

What is going on over at Chime?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent.

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 2023-05-22
Company: WELLS FARGO & COMPANY
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
Wells Fargo is at it again! 

While I was on vacation in XXXX in XX/XX/2022, my credit card was charged for {$840.00} ( USD ). I did not make such a transaction and therefore I reported it to Wells Fargo ( the bank issuing the credit card ). 

Now it's been 6 months since the report and Wells Fargo refuses to pay me back for this fraudulent transaction on my account. In the meantime, Wells Fargo has passed me between their various departments ( dispute department, fraud department, etc. ). Finally, after 6 months, they have produced the attached receipt from the merchant. There are multiple issues with the receipt : 1. Most importantly, the signature on the receipt is forged ( it's not my signature- not even close- and I did not sign this receipt ). 
2. It is not itemized hence it does not show what was purchased. 
XXXX. It is unclear who the merchant is ( the company XXXX which appears on the receipt seems to be an online billing company not the merchant ). 

In spite of this clearly forged receipt, Wells Fargo refuses to pay me back and has told me that they will not take any further action on this case. 

I can let this go and pay the charges, however, there are perhaps thousands out there who are not as lucky as myself to be financially secure. Wells Fargo is likely refusing to pay those deserving customers as well.

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 2021-07-27
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX I Attended the XXXX XXXX program at XXXX XXXX in XXXX XXXX Florida. here they were making me pay them XXXX a month as a way to pay off my student loans. this school also promised to get me a job in my field after completion. when I completed the schooling in XXXX of XXXX I was not offered a job or offered to be placed in a XXXX instead when I asked them they directed me to the " XXXX  '' website as well as the " XXXX '' website to look for jobs in my field even after me paying them monthly for my student loans and them promising me a job after completion. in XXXX a few months after my completion and as I was still job-hunting the school had to close down all campuses for fraud. this led my job search to be more difficult due to the fact that no job wants to hire me because of the school that i went to. I am currently 7 years after completing the program and have not been able to find a job for this reason. I am currently working for the XXXX XXXX  and I am a part of the union which gives me 2 free years of college but I can not take advantage of this great opportunity due to the fact that my student 's loans are in default and I am still not working the job that I trained and competed for and nobody wants to hire me for this job because of the school that I went to. I am trying to better my life and get back to school so I can have a good-paying job but these student loans from a school that was closed down for fraudulent activity are not letting me continue to try to live a better and more successful life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account is on hold and has been on hold for over a week now. Ive sent in the documents requested, Ive followed every instruction. My account is on hold because I used my own money from my own saving accounts. This has caused a huge inconvenience for me, because I now have money that is still in the account but dont have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: DC
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX- Called the XXXX Doctors office in XXXX to request information of debt and they could not locate the amount owe. Promised to call back with information but never did. 
XX/XX/XXXX - Called XXXX again and this time the operator asked me to leave a voicemail to the financial department since she could not locate the amount I owe. I attempted to make the payment online too from the bill I had received in XX/XX/XXXX but could not process the payment. 

XX/XX/XXXX - Again called XXXX and was informed that charge must have been resolved with the insurance company XX/XX/XXXX - Charge of {$75.00} dollars delinquency appears in Credit Report ( Score was XXXX and now its XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY ALONG WITH MY SOCIAL SECURITY CARD AND PHOTO ID THE OPEN A MORGAGE, UTILITY, CREDIT CARD AND BANK ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCMENT AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XXXX, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To whom this may concern, I am writing this letter because I have tried numerous times to resolve the issue of late payments during hardship that were reported on my credit report. XXXX was called and verbally told that I was unable to pay the credit card debt at the time because I lost my job due to Hurricane Harvey. I was unable to work. They continued to ask if I had a family member or someone who could help me pay, but I did not. At the time, I did not even have a place to live or a car anymore. I am not only taking care of myself but XXXX young children as well. I was also in XXXX at the time. The first representative I spoke to over the phone, who was female, was very nice and understanding. The second representative, that was a man, was very rude. He was disrespectful especially being that I had already told him and the lady before him everything I could. I told them both that I would be able to make a payment by XX/XX/XXXX. He began to get personal and ask me what would change between the time of his call and XX/XX/XXXX. He even asked where I would get this money from. I tried to explain my situation the best I could, but when he raised his voice, I had to hang up the phone. With all that being said, I stayed true to that promise. I was able to make a payment on XX/XX/XXXX and by XX/XX/XXXX, the debt was completely paid off. These representatives did not note my account of me being in a hardship or even provide other options of other routes ( lower monthly payments, lower interest rate, etc. ) to work out an agreement to save my account or protect my credit. Not only was my account closed, but I also had to pay late payments between XX/XX/XXXX and XX/XX/XXXX. 
For the last two months, I have been sending letters and emails in hopes of having these late payments during the dates of XX/XX/XXXX and XX/XX/XXXX removed from all three credit reports. The account is now closed and paid off. I have only received one letter back stating that they could not dispute accurate information, however, this information is not accurate. I do not believe they have done the proper investigation with my account being that I let XXXX know I was unable to pay due to loss of job and home because of Hurricane Harvey. I have attached bill statements to correspond with my promise to pay by XX/XX/XXXX as well as the letters/emails sent for the request of late payment removals. Dates are included on letters. All personal information is blacked out due to privacy.

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 2022-12-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 My XXXX XXXX with Experian was excellent at XXXX, on XX/XX/2020 My XXXX XXXX with Experian went down XXXX POINTS to " good '' XXXX. I have repeatedly contacted Experian, they can not provide a reason for this discrepancy. 
I have NEVER BEEN LATE TO PAY ANYTHING. My scores with XXXX and XXXX remain Excellent in the mid XXXX 's. 
I keep getting requests from Experian to pay them for Experian XXXX, I refuse to have my credit report held XXXX for payment to increase my score.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: NV
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:
I have asked all three credit bureau 's to remove any address that is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX 

I have asked repeatedly that every name except XXXX XXXX XXXX be removed. i do not have aliases. 

I have repeatedly asked that any employment be removed besides XXXX XXXX XXXX be removed from my profile. 

Under 15 U.S. Code 1679c irt is unlawful to continue to report invalid information.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. I noticed several inquiries had been made and where not for permissible purposes which is a violation of FTC law XXXX [ XXXX ] and therefore should be removed immediately. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ONLY XXXX IS XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE AND UPATE ALL OTHER ADDRESS XXXX 

AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.

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