BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I have a XXXX XXXX XXXX company. And I decided to use wise ( formerly known as transferwise ) to transfer {$21000.00} to my overseas supplier for the goods purchased. 

I completed the forms as described, and the disclaimer was informing that it takes 1 business day. I wired money to wise 's XXXX bank account from my XXXX bank account, and they were supposed to wire this money to my overseas supplier ( this is how wise operates in the XXXX ) as soon as they receive the money. 

Then, however, they sent me an email saying 'Weve received money for your transfer of USD to XXXX USD. But we couldnt confirm that it came from you. ' And they asked me to provide additional documents showing I own the bank account the money was sent from. In only 1 minute, I provided all the documents ( wire details, bank statement etc. ) which prove I am the sole owner of the account and my company, I wired the money etc. 

Then they did not take any action, and remove that transaction from my dashboard. It was pending before, now it shows nothing as if I did not send money to transferwise. They were supposed to solve it in 1 day ( as they stated so ), not they are saying it may take up to 3-5 working days to verify the documents. I say if you are not wiring it to my supplier, I want my money back and they are not even answering this request. 

This company keeps giving wrong information, holding my money and blocking my business ' operation. If I can't pay to my supplier today, it will be a late payment and I will fail to make required payment on our debt. 

With their way of fraud, they harm my and my company 's financial and reputational health. I believe CFPB should take an action against such companies, holding our small and family business owners ' money for no reason. They are not verifying the account ownership, they are just ignoring my emails, extending the time and keeping the money in their own bank account. 

They keep providing conflicting information ( 1 working day suddenly becomes 5 working days ). That is why I wanted file a complaint against wise.com. The existence of such companies causes the confidence in the whole sector to be shaken. A financial services institution that constantly provides conflicting information is causing the suffering of its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  ; XXXX  and Transunion should not be reporting lates in XXXX and XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus  Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and  these lates need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2022-11-28
Company: Experian Information Solutions 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 communicated with ( XXXX, XXXX, and Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error, they continue to report this incorrect personal information on my file. Not only is it unfair, but its also illegal. By law, 15 U.S.Code 1681 ( b ) clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. I've had to ask multiple times how each credit agency verified account : XXXX XXXX XXXX XXXX XXXX To my dismay, I have received no clear answer. This week I received a judgment in the mail Stating I don't owe the debt. 

Please see in attachment for further documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: NCB Management Services Inc.
State: MI
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 filed a bankruptcy chapter XXXX that was discharged onXX/XX/XXXX. I checked my credit report and all was fine except NCB Management a debt collector for 12 XXXX XXXX XXXX XXXX. Has my account as bankrupt however they still have it listed as open. I called before the discharge and asked the gentlemen why it was still listed as open, he advised me that he would correct it immediately. I filed a complaint with XXXX  and XXXX  so far I haven't heard back from them, however I decided to call NCB again and the collection agent advised me that they did have it as bankrupt however they by law code 93 of the fair credit reporting law had to keep it open. According to my credit report they last reported this account open on XX/XX/XXXX. I realize that if the account is closed and has been closed for almost two years it should say closed having it a bankrupt is not enough. NCB Management Services XXXX XXXX XXXX XXXX  PA XXXX their phone number is XXXX The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Upgrade, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I simply wanted to change my home address on my account XX/XX/XXXX & XXXX, XXXX. I provided last XXXX of social security, date of birth, phone number, email, old address, new address, front and back of valid driver 's license and valid VA health card and selfie of myself with account numbers. Both of my accounts are in good standing and has been since accounts opened. 

They still refuse to change my address. 

I dont understand why its is so difficult to submit change of address. Not other financial institution i do business require such hoop jumping to simply change address. All billing is paperless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
For Transunion - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.

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 2021-01-15
Company: MECHANICS BANK
State: OH
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:
On XXXX XX/XX/XXXX Mechanics Bank XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ) created an unauthorized credit entry on my credit reports. After noticing the inquiry, I sent them a letter on XXXX XX/XX/XXXX requesting they remove this unauthorized inquiry. The company did not provide me with a document that I singed stating I gave them authorization to run my credit. They requested more information from me via letter on XXXX XX/XX/XXXX. I returned a certified letter with the information they requested on XXXX XX/XX/XXXX. I have not heard from them since. Todays date is XXXX XX/XX/XXXX. I plan to send my next complaint to the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: AMERICAN EXPRESS COMPANY
State: GA
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 dispute the inaccurate reporting status on an individual closed American Express account, which is adversely affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off or Written Off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misrepresenting my credit history and causing harm to my creditworthiness. I want to emphasize that the closed account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is essential for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of this closed individual American Express account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off.I do appreciate your attention to this matter and look forward to a timely resolution. If you require any further information or clarification, please feel free to contact me. 
Thank you for your prompt action in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: SYNCHRONY FINANCIAL
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:
Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days SYNCB/CARE CREDIT XXXX

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 2022-11-14
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2022-11-28
Company: Experian Information Solutions Inc.
State: NY
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:
Experian, XXXX and XXXX are reporting negative items on my consumer file without consent from me. As pursuant to 15 usc 1681b ( a ) ( 2 ) I never gave no company written instruction to furnish anything on my consumer file. I am requesting to remove these negative information from my report immediately this is DEFAMATION OF CHARACTER.

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 2023-11-08
Company: TD BANK US HOLDING COMPANY
State: IL
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:
Today, I am writing this complaint to NORDSTROM/TD BANK USA regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
*** XXXX XXXX Reference # XXXX *** Venmo Dispute Claim ID # XXXX - XXXX XXXX booked XXXX  XXXX on XXXX app with Venmo card. 

- My complaint is 2 part. Here I am complaining about Venmo handling about a dispute. 

- I will complain about XXXX XXXX with CCPA separately. 

XXXX XXXX XXXX XXXX had plumbing issues and never told anyone, also my reservation was non refundable. Next morning before check out I wanted to shower and the hot water would not come out. Only when I called the front desk did they tell me about it and told me We put signs out everywhere stating water problems. Lol how was I supposed to know that? They told me the best that they can do was 10 % discount because a shower is 10 % of the stay experiences. WHAT LOL!!???? WHO WOULD BOOK THAT HOTEL KNOWING THEY DONT HAVE HOT WATER??? 

I contacted Venmo and filed a complaint for refund ( Attached ) about this ridiculous event. They reached out to XXXX XXXX and posted Resolved on my dispute case next day siding with XXXX XXXX. 

My complaint about Venmo is how do they side with a company who admitted their fault and offer a 10 % discount for compensation. How do they come to a decision with the party willing to pay for their error??? Venmo makes too many power decisions without considering the consumer. I have not received any compensation to this date or a clear explanation phone call. Nothing! 

Am I missing something or do I have a clear logical point that addresses the situation accurately. Please help me and advise me what to do. Thank you so much for your time and effort on this matter. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXXXXXX Balance : {$630000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$5200.00}.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX  ID : XXXX Dear Creditor : ***The account appearing on my credit report does not belong to me and was not opened by me. Original Creditor debt was removed from credit bureau reports during prior investiations. *** Per California State XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act I am requesting evidence of the following : 1. A copy of the contract and/or other document/agreement related to original debt.

2. A copy of the contract and/or document evidence of debt agreement.

3. A copy of ALL original debt documents with indicated social security number used to open account.

I did not open the above referenced account. This account was previously disputed with the original creditor and credit bureau XXXX XXXX due to fraud on Report No. ______. XXXX and XXXX deleted the item from my credit report after its investigation. 

The original debt account did not reflect my actual social security number, but instead a variation of my social security number opened by someone other than myself. 

I request that documentation as requested be sent to the address below. I also I request that all XXXX debt entries be removed from my XXXX, XXXX, and TransUnion credit reports as this debt was not initiated nor belongs to me per Fair Credit Reporting Act/California Consumer Credit Reporting Agencies Act . 

KD cc : XXXX, XXXX, TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief