BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I initiated a trade to sell {$500.00} to buy XXXX using Transferwise. Shortly afterwards, ( they claim hour and a half ), I was able to cancel the trade on thr app. The reason for the cancel is, I realised I held XXXX in my bank account, and traded with Transferwise for XXXX. But I only executed the trade for XXXX only after I was able to cancel the trade for {$500.00} on their app. The reason is I have cancelled in the recent past without incident. I have been unable to cancel on their app after a short timeframe and accept this as reasonable. This time, I was able to cancel and, because of all previous experience, believed there was no problem. In the past, if I tried to cancel, and the transaction was being processes as over 30 minutes or the US amount was already ringfenced, the Transferwise app did not allow it. 
Because Transferwise took XXXX and then tried to take an additional XXXX, my XXXX XXXX has charged me {$29.00} in an NSF fee ; because taking the XXXX would have created an unauthorised overdraft on my bank account. I asked Transferwise to pay the fee as they took the XXXX, and then tried to take the XXXX. I only learned of the fee the following day when I got an email from my XXXX XXXX. I have had to contact Transferwise to try to resolve this every step of the way. I even have to chase them as they do not reply to my emails. Transferwise never contacted me without being chased, and I have had to intiate all contacts to try to resolve the matter. I requested times to justify their argument about cancelling an hour and a half later ( they did not comply ) or explain how I was able to cancel a trade and they still take the funds ( it has never happened before ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: EQUIFAX, 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX {$5400.00} XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$840.00} XXXX XX/XX/XXXX {$4300.00} XXXX   XX/XX/XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Cumulus Funding LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been trying to reach someone at XXXX Align in response to paying off my loan with them. Their billing department appears to be non-existent. I can not find a way to payout the loan in full online, nor can I reach anyone via email or via phone. It goes to a voicemail and the email is not responded to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I asked for a credit limit increase and they denied it, but still reported an inquiry to the credit bureaus which decreased my credit score and will remain on my credit report until 2021.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-06
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:
i had a predatory vehicle loan from XXXX XXXX  and i voluntarily gave them the location of vehicle in exchange for voluntary repo on credit file.. XXXX XXXX  purposely puts comments on my credit report every couple months and it makes my score go down. this is a closed account and the car dealership that sold me the vehicle shut down in the middle of the night due to fraud allegations. they are saying that they sold my vehicle at auction for XXXX when it was a brand new car? i have disputed this account on my credit report since it appeared there and have asked numerous times to be shown proof of sale price at auction for my vehicle the company is rude and will not send me proof of sale amount because that is supposed to be taken off my loan amount. it should also be noted that the company had me sign the loan documents for my husband because he forgot to sign in a couple places. now XXXX XXXX is putting their own statements in my credit report asking anyone looking at my credit report to contact them about my derogatory account.. how is that even possible for them to do and they will not give me any information on the sale of vehicle. this account has been closed now it shows as a balance in my total credit on report.i have disputed numerous times and now they report on credit report every month.,. i am being harassed and my credit report being played with on purpose by XXXX XXXX and the credit bureaus. i bought the car for XXXX and they say i owe XXXX after the proceeds from the auction which is not true. i called XXXX and all they kept asking me was when i was gon na pay my debt still havent recieved anything about the auction .. this is very unprofessional for them, to do and we were tricked by the car dealership also .. the car was sold as a take over payments when i couldnt afford the payments but the guy i sold car to never made a payment and sent me fraudulent copies of money orders showing he paid it every month. thats when i found out and contacted them to tell them where to find vehicle to repo it. that wasnt my fault but they should of done what they promised that showed i helped them recover vehicle.. i am besides myself seeing that they have a comment on my report for anyone to contact about a closed account on my file.. i want to go to the highest level of appeal on this matter as i have stated since day one.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: IL
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:
This is my formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XXXX XXXX XXXX but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: WI
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:
Please remove those inquires from my report as I filed FTC report with an ongoing/past identity theft 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 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 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 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

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 2019-03-22
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX has listed one debt split into two as a new debt for {$260.00} each. A very old medical debt from 6 years ago. I was very ill at the time and had no insurance. A medical debt they are not willing to settle with me and listed on my report almost 6 years now.

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 2022-11-26
Company: EQUIFAX, 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'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Once again, I have sent Experian numerous letters and copies of my credit report showing the inaccuracies of accounts that are reporting incorrectly on my credit file. They continue to respond stating the accounts are accurate or updated however, I have shown proof that their investigation was not properly done. The 1st letter was sent on XXXX showing them the below accounts were reporting inaccurately on all 3 bureaus. I sent a 2nd letter on XX/XX/15 highlighting the same accounts reporting inaccurately and letting them know that even after bringing this to there attention they continue to allow the information to report wrong and this is a violation. These are blatant FCRA violations and need to be addressed immediately. The accounts mentioned in this complaint have different date of last activity and date of last payment dates on all 3 bureaus. Clearly inconsistent information shown to Experian numerous times. Attached are the proof as well as the letters sent to Experian showing they failed to conduct a proper investigation. The previous complaint they stated was not initiated by me which is a lie. I have provided all my personal 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 explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
After reviewing my credit report I see an account that was not authorized by me and a collection that does not belong to me. I have contacted the police and reported this as fraud and was told to follow up with you guys. XXXX XXXX XXXX is on my credit report seeking a {$0.00} collection for an account I have no knowledge of. I have never done business with XXXX XXXX XXXX. The credit report says it was opened on XX/XX/2020, and acct number is XXXX. Also, my XXXX  has a different amount to be collected on it, this is fraud. I request an investigation in writing, and a return receipt requested from the credit agency.

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 2020-07-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Dear Complaints Department : Please refer to my complaint regarding Chase Bank failure to protect consumers and hosting a fraudulent beneficiary company. 

My Case : I was put in touch with a merchant called XXXX from XXXX XXXX who falsely presented the company as a financial investment firm. XXXX was very persuasive and enthusiastic and made a lot of promises about lucrative investment returns at low risk. He was very convincing and friendly so I decided to give it a try. 

I made my first deposit of {$48000.00}, via online banking on XXXX XX/XX/XXXX, to what I believed was a genuine investment to a real investment company which was authorized to operate in the USA. 

This company had provided me with an online passcode to their website to what was allegedly my trading account. 

I made nine transfers to this company from XX/XX/XXXX through XX/XX/XXXX, aggregating a total of XXXX The online software was working well and on paper my account had grown profits. It all started going downhill when XXXX had to go away and put me in touch with his colleague XXXX. XXXX lost almost everything in the account after 10 minutes of him taking over my account!! When I got in touch with XXXX after this, he claimed that XXXX was fired for losing my money. But in the aftermath, I have not gotten my " invested '' money back. Instead, I was told to invest more money. 

I later discovered that the company is not even licensed to operate as a financial institution in any country, rendering their services as a fictitious cyber fraud. 

This money that was lost is 70 % of my savings and was supposed to be for my retirement, causing me XXXX  and XXXX. 

I have been in contact with Chase Bank, the sending bank, many times but they have been very unhelpful they have ignored my pleas for help and did not do their due diligence to their client. Ive been a client with them for well over 25 years and they have totally ignored my please for help. These stolen funds represent a significant part of my future retirement funds and the matter is of the utmost importance ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
on XXXX/XXXX/XXXX I received an email from Bank of America stating my credit line had been decreased. 

I called on XXXX/XXXX/XXXX to understand why, the rationale was completely arbitrary and when speaking with the " underwriter '' she stated they pulled a soft inquiry and evaluated my deposits into my checking account. 

My credit line was decreased {$2000.00}. I have been a credit card holder through Bank of America for 12 years and have never gone delinquent. 

I recently closed 4 accounts ( paying total owed off ) that may be affiliated with Bank of America leaving my only open credit account to be with Bank of America. 

from an income perspective this is my highest income year since I 've had the card. the rationale does not seem to be based in fact. 

please help me understand if this is a fair practice.

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 2017-12-14
Company: AMERICAN EXPRESS COMPANY
State: WA
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 rewards from credit card

Complaint:
In CFPB Ref No : XXXX, Ref : XXXX, your company stated, quote : " We completed the account review on XXXX XXXX, XXXX. As of the date of this letter, you have XXXX XXXX available for redemption '' Unfortunately, the points are still not available for transfers and remain under review, despite what your letter said. 

Can you please double check as promised in your previous communication and remove the usage restrictions. 

I will remind you once again that this account is more than XXXX year old ( over 52 weeks ), and the terms and conditions do not allow for such a long review hold ( the terms and conditions talk about 8 - 12 weeks, while this account is over one year old ). If the terms and conditions talk about reviewing an account that is older than 52 weeks please point them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: 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. 

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 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-05-16
Company: EQUIFAX, INC.
State: IN
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2019-06-17
Company: Experian Information Solutions 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:
today i saw on my credit report inquiries that i did not make. This was done due to identity theft. XXXX, XXXX XXXX, 2 XXXX Inquieries.

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