BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX i used TransferWise app to transfer XXXX $ XXXX to XXXX. 
When I filled up information such a first, last name if receptionist, I checked currency exchange rates, fee, I realize other company XXXX has a better rate and lower fee. I didn't push the final button to complete this transaction. 
Then I found link on XXXX in group, a link for TransferWise, which is promising to have free international transfer. 
I try to transfer money by this link, it is showed me free transfer, then I proceed and pay with my credit/debit card XXXX XXXX XXXX. 
When I received my bank statement for my surprise I had 3 transactions by TransferWise : 1.XXXX XX/XX/160 $ US XXXX converted to XXXX $ Can 2 XXXX XX/XX/160 $ US which converted to XXXX $ Can. 
3.XXXX  XX/XX/160 $ US which converted to only XXXX $ Can, that it's mean shortage of XXXX $ Can. 
My ticket number for this issue is XXXX. 
I tried to call their number XXXX, nobody answered, automatic voice says- '' this number is unavailable ". 
I contacted them from the app to asked why they didn't refund me full amount, as I didn't proceed first transaction, even I have email confirmation they fully refunded my credit card, but wasn't! 
Confirmation email from XXXX XXXX XXXX : Money refunded ( # XXXX ) Hello XXXX, Your transfer of XXXX USD to UAH has been cancelled. 
So weve refunded XXXX USD back to your card. You should have it in the next 410 working days depending on how quickly your bank or card company processes refunds. 

Refund details Amount refunded : XXXX USD This what they answered on second email : '' Re : Cancellations and refunds XX/XX/2020, XXXX XXXX Hi XXXX XXXX Theres no fee for cancelling and refunding a transfer. Well always refund the full amount you paid us, regardless of the type of transfer you made. 
However, in reviewing your transfer XXXX, I can see you paid using an international card. When you pay using an international card, your bank might charge a fee to convert your money for you which seems to be the case here. You'll need to contact your card company. 
You paid in XXXX USD which is the amount we refunded back to your card. 

Should you have additional questions, let us know. 
Best, XXXX XXXX TransferWise Yesterday I spoke with representative XXXX XXXX XXXX they stated, they do not charge any fee, and suggested me to contact the merchant, what I did so. 
For some reason they can not dispute this transaction. 
I will take another step will go on Monday, XX/XX/XXXX to my local branch, and try to speak with supervisor or manager, will see what they gon na suggest to me. 
In the same time I hope you will help me out. 
Thank you, Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme frustration and impatience with the ongoing presence of fraudulent accounts on my credit report. It has been an unacceptably long time since I first reported these fraudulent entries, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
Account Details : XXXX XXXX  XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXXXXXX -PLEASE DELETE!!!! 
XXXX XXXX  XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. These fraudulent accounts are not mine, and I have never authorized any of the transactions associated with them. To address this issue, I have previously taken the following actions : The continued presence of these fraudulent accounts on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am having difficulties with Bank of America. I paid-off 2 refinancing loans with Bank of America. They gouged me on these loans. I have used their credit cards before. I have paid them vast amounts of cash over what I borrowed. Bank of American has insisted that I am a very good customer. I owe them for 2 credit cards. For neither one would Bank of America establish a re-payment program. They harassed me with many nuisance phone calls. Finally, from a third party vendor, I set-up repayments on the lower card. I have been making payments regularly on this card. For the other card, no payment plan was set-up. They even refused to do a payment plan. Now they are taking legal action against me without ever giving me the opportunity to set-up a payment plan. What type of company operates like this?

Thank you.

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 2021-04-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had many loan servicing companies XXXX XXXX, XXXX, XXXX, XXXX and now Shellpoint ) and again one is sequestering money into the escrow account, only used for property taxes, that isn't needed for property taxes which suddenly disappears and they don't account for it. Though they have paid our property taxes ( {$5300.00} total for the year, XXXX payment was only {$2600.00} XXXX they have not accounted for the additional money that they put into the escrow account ( XXXX YTD total {$14000.00} XXXX which disappeared at the end of the year. 

The second issue is the inaccuracy of the mortgage statement. 
* I did not receive a mortgage statement for XXXX ( and it isn't listed in their online system XXXX. 
* The statements says past due amounts due prior to filing Chapter XXXX are not included in the mortgage statement. My sister and co-owner filed Chapter XXXX in XXXX to forestall foreclosure. Note that I have not missed a payment in over 6 years and have the bank records to prove it. 
XXXX The fact that the past due amounts do not correspond to my monthly payments makes the statements even more non-sensical. I not only called them about this but also wrote letters. One letters dated XXXX, XXXX. 
XXXX No clear accounting is made on the monthly mortgage statement of what amounts are in the suspense account. There are months where the partial payments listed equals a months payment but it isn't applied as a payment. This is also concerning. 

My inability to get them to correct these errors has prevented me from refinancing the loan and I don't trust their accounting of the balance of the mortgage. I currently am working with XXXX XXXX  to refinance and they stated that the only thing I need is a statement stating that the loan is current for them to finish processing my loan at a much lower interest rate. 

Your help with this matter will be greatly appreciated. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am filing a complaint because XXXX XXXX XXXX XXXX, XXXX, Transunion, and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. Thank you!

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 this account has violated my rights. 


XXXX. XXXX, XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that 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 non-monetary relief
Consumer complaint received 2018-12-28
Company: CITIBANK, N.A.
State: NJ
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:
Had an online car rental reservation from XX/XX/XXXX to XX/XX/XXXX for a total of {$180.00} which was paid in full on XX/XX/2018. Attached is a copy of the reservation with terms of agreement.

The rental company put another charge of {$220.00} on my credit card ( XXXX CitiVisa card ) in XX/XX/XXXX/XX/XX/XXXX without explanation. Subsequently filed a dispute on that charge with CitiVisa and they repeatedly made resolution not in my favor for the reason that the card was presented for a charge but can not provide written documentation that I authorized that charge. It was explained to CitiVisa that the present of the card was at the airport when the vehicle was picked up and was told it was for a security deposit hold for the car.There was no mention of that {$220.00} charge at any point until it shown up on my account. If that alleged charge has been part of the rental price, why wasn't that amount reflected upfront when the reservation was made. To me, this charge is a fraud and/or security breach of the use of my card.

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
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have grew tired of submitting Dispute letters and CFPB complaints over and over again and yet the Credit reporting agencies have been doing nothing. I took the advise my legal counsel have given me and I am willing to file a lawsuit against the Credit Reporting agencies for their willful non-compliance with the Federal statute, Fair Credit Reporting act section 605b. I am submitting this CFPB complaint today to inform the Credit Bureaus of my plans. Within the next 15 days, I will be reviewing my Credit File and in the event the Credit Bureaus do not comply with my requests for the immediate removal of the disputed accounts and information completely from my Credit File in accordance with the Fair Credit reporting act, I will be filing the Lawsuit me and my legal team had been preparing for quite a long time. If it is not too much to ask, I need the Credit reporting Agencies to remove the following accounts completely from my Credit File : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/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 2019-06-24
Company: Exeter Finance Corp.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Exeter Finance didnt provide any proof of said claim. Exeter stated they reviewed the calls. They even stated the extended. They didnt say it was applied.

Exeter Finance is using stall tactics to attemp to reprocess the vehicle during the pending situation.

Ive taken steps to prevent that from happening.

Until matter is formally handled

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}, {$6400.00}, {$4100.00}, {$19000.00}, {$36000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of $ XXXX-This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$36000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMSSED 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 2021-07-20
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: Information belongs to someone else

Complaint:
These accounts are not mine and I can not believe that I have them still in my credit profile after few attempts to claim disputes. I am asking you to remove them as soon as possible because they are ruining everything I used to have. I am very responsible person and I have never had something like those accounts. I hope you will help me to dispute them and get read of these fake items. 

Those accounts are : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE!!

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 2020-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I don't know how many times I am suppose to complain and send in documented proof of errors and federal violations to my credit report. The law states if the credit bureau does not respond/resolve a requested issue/dispute in 30 days the item is removed. Where is it legal that a creditor removes and item but the credit bureau determined to keep it on the consumer credit report. At this junction I have no other choice except legal recourse. All credit bureaus where sent certified letters in XXXX and XX/XX/2020 without a response in 30 days. See the attached.

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 2021-08-10
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank requires a person to go to a lobby to wire money or get a cashier 's check. Fair enough. However, in my area ( XXXX Washington state ) all of their lobbies are closed, no one answers the phone to schedule a lobby appointment, and ( understandably ) there is no way to get a wire or cashier 's check from the drive through and ATM. I tried for days to get an appointment to get my money. US Bank 's branches in my area would not respond to me. They don't even answer the phone. Ever.

I am trying to wire or get a cashier 's check for about {$500000.00} to close on a house on a tight time line. US Bank has a XXXX XXXX of my money but won't let me get it. 

Requiring consumer to go to a lobby for a large transaction is certainly reason. However, I believe it is an unfair and deceptive trade practice for a financial institution to require consumers to go to a lobby to get their money - but then not open up lobbies for them to do so. It's like US Bank has the key to my {$500000.00} ( the ability to enter the lobby to conduct a transaction ) but won't give it to me - the net effect is that US Bank has my money and I don't, and they won't let me get it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: The Best Service Co.,Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding XXXX On or around XX/XX/2019, i received a notification from all 3 credit reporting agencies that The Best Service Company reported an item onto my credit for a collection in the amount of {$2200.00} ( per XXXX ) this item reflects XXXX XXXX as the lender / creditor. I attempted to dispute this item as i have not had any accounts with XXXX. The dispute was denied, Best Service Company reported that the dispute is invalid. 

I contacted XXXX XXXX and was advise my name and information does not match, and that it wouldn't be reporting on personal credit since the item is a business loan/account not a personal one. I contacted best service company and was advised that it is a personal obligation and that they will continue to report it, unless i send documentation in to provide the details. This is not resonable as i was asked about a different last name of an individual or business and denied knowing any of those individuals/entites. I requested they review with XXXX and remove the item from my report, to no avail. 

I am requesting they remove this item from my credit immediatly.

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