BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: TransferWise Ltd
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX XXXX, I am a customer of Wise and my email address on wise is XXXX but Wise is very unfair in for stealing from me This company is fraud and deactivated my account with over XXXX USD inside my account. 

The reason I am complaining here is because I have a USD account with wise and had over {$22000.00} inside my wise account. 

When my wise account deactivated, I previously submitted an appeal but the bank account I submitted was hacked and closed and I have sent in my new bank account details and instructed wise to send my funds to the new bank details, but I haven't heard from Wise and because of this, I am not able to renew my rent because wise is holding my funds. 

My landlord is about to send me out if I do not renew my rent within few days. 

I have explained everything to wise in an email and sent official email to wise with the new bank account details for wise to refund me but wise has not refunded me yet. 

The ticket number of my email to wise with my new account details is XXXX I want wise to refund my money in USD using the routing number and account number I provided to Wise and I also want wise to send transfer receipt to my email upon reading this complaint. 

These are the details in which I want my funds to go to in USD Routing number : XXXX Account number : XXXX Account owner name : XXXX XXXX XXXX I want wise to convert all the money leftover in different currencies in my wise account upon closure to USD and send to me in the USD bank account I provided to Wise in email, and not the Malaysian account I previously submitted to wise during the appeal as the account as been hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. However I have received a collection on my credit report about the debt and the collection company has now reached out to me. I tried to dispute with the creditor, but the debt is now sent to the collections agency who notified my on XX/XX/2021 about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: MAGGUILLI LAW FIRM, PLLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HAD a hospital bill that was paid in full. XXXX XXXX 's XXXX  has no record of a bill in collections and all bills are paid in full. Magguilli law firm continues to harass and add fees to an account THEY have but will not provide specifics for what it is for. It was closed on XXXX because they failed to provide proof of an existing bill from the hospital and continue to add {$1.00} everyday it's not paid. When I asked for specifics what it's for they want to call me back and don't. They are rude and unreasonable. I also filed a complaint with the attorney general and the XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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:
Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX '' XXXX XXXX " late payment XX/XX/XXXX XXXX XXXX XXXX ' late payment XX/XX/XXXX'' XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XXXX XXXX XXXXXXXX " open account of $ XXXX " ( account closed as report states } Fradulent data : all Inquiries XXXX " open account $ XXXX " Transunion, XXXX and XXXX  have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, 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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX 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 2022-02-24
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i Had Credit freeze on my reports. Violation of a credit freeze by transunion. illegally changing of date from on time to XXXX and XXXX late late on my XXXX XXXXXXXX account XX/XX/XXXX thru XX/XX/XXXX XXXX Months And also Us Bank theres XXXX  months in XXXX all 90 days late are incorrect too. these accounts are not open. i had just received my reports today XX/XX/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 2019-07-30
Company: EQUIFAX, INC.
State: ID
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:
* XX/XX/2019, received letter from XXXX XXXX stating I had been unfairly penalized by the application of XXXX charges when I actually had insurance. The letter had a check attached and stated the remaining balance on my car loan would be waived and the credit reporting agencies would be contacted to correct or remove negative reporting. " No further action required from you. '' XX/XX/2019, I was still receiving collection calls from XXXX XXXX. Emailed and faxed a copy of the letter to collections and received confirmation of receipt but no follow up. 

XX/XX/2019, I called and XXXX team transferred me to collections who told me to fax the credit reporting team. I did and had no follow up. 

XX/XX/2019, same as XX/XX/2019. 

XX/XX/2019, received notification a negative mark had been added to my credit report as the loan was reported as charged off, which is not what I was promised. Called XXXX XXXX went through the same transfer from XXXX to collections and then was told to file dispute with collection bureaus ( who told me to call the bank ) and email credit reporting team. 

In short, no one will help me. The people at XXXX XXXX who have the power to fix this won't even though I have it in writing that all collections will cease, all negative remarks will be removed and any amount due forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: GA
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 requested a method of validation on XX/XX/2023. The collection agency has yet to respond correctly. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

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 2023-07-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My name XXXX XXXX My account # XXXX XXXX XXXX XXXX I bought phone XX/XX/ =check in -online and pickup from near me store. It was XXXX Store of XXXX. 
I chose the payment plan, which is more convenient for me. 
This is a 24 month plan for a single payment of XXXX 
I got approved. I went and picked up the phone at the XXXX XXXX, CA. 
I downloaded the application ( aka XXXX XXXX, but it was TD Bank ( as on TD XXXX Card Servises ), linked my debt card And set up auto payment ( as I thought ). 
And forgot about it. BUT- AutoPay and System Notification is not working in your app. 

But I found out about this three months after the purchase. What saddened me. 
In these months of delay, I did not receive either a letter No any emails. No any SMS about missing payments, nothing. 

somehow I became the owner of a XXXX  credit limit. I did not agree to this. I was deliberately misled. I wanted to buy a phone for XXXX. Everything else is the use of official position to sell credit limits. 

I deliberately became a debtor and creditor who is a millimeter away from a drop in credit rating. The bank did not answer the question why I have a limit of XXXX XXXX. 


I want to get rid of obligations to TD Bank ahead of schedule for deliberately misrepresenting a loan product, hushing up the terms of service. This is the worst banking app I've ever used, which has resulted in my credit rating getting worse and incurring unexplained debts. Help get rid of. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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:
XX/XX/2008 a charge off of {$91.00} was added to my credit report from XXXX XXXX XXXX. I have no knowledge of this account and did not open this account. When I have contacted XXXX XXXX XXXX to get this resolved they are stating they see the card was never used and that we dont owe anything. However they have been reporting a fraudulent charge off on my credit for 46 months and state they have no knowledge of this.

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 2022-08-25
Company: AUTOMOTIVE CREDIT CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Automotive Credit Corporation the original lender who I got the auto loan from and their lawyers/debt XXXX XXXX, XXXX & XXXX XXXX XXXX 
On my credit report they have on their records the wrong amount owed which is double or almost triple according to my credit report. 
I have a court settlement for XXXX for which it was agreed upon that I pay XXXX dollars every month till the debt is washed. I have paid this every month on time and have receipts of each transaction. My amount owed hasn't changed and in fact has shown to have increased from when I first started paying XXXX years ago ( XXXX of XXXX  ). On my credit report it shows that I owe {$17000.00} On XXXX, XXXX XXXX XXXX XXXX payment portal ( this is the company I make payments to as per the court and it states total due as XXXX which is false. Both of these companies are working hand and hand together. so I have no understanding why this is so incorrect, these companies are preventing me from getting my credit profile right and getting a proper loan. 
As of today with all of my payments up to date and on time I have paid XXXX if my math is accurate. I should only owe XXXX which is a very different # than what they show me to owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$1400.00}.

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 2023-05-22
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$9200.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5500.00} XX/XX/XXXX SELF/XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX {$21000.00} XX/XX/XXXX XXXX XXXX  XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX {$4000.00} XX/XX/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 2019-05-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
A company called XXXX XXXX contacted me ys from today XX/XX/2019, claiming they could resolve my past credit card accounts issues with my debts and they can lower it to 0 % interest. I told him that someone called me already from the same company offering me this deal and I turn it down a few months back in XX/XX/2019. He replied I could help you reduce all your credit card. I told him no several times on the phone but he was very persistent in helping me. He asked if I can give just 4 the last number of every card has a high balance. I went and gave him what was requested and he gave me the correct amount on each statement. I then asked him you can really remove all this and give me 0 %. He replied all will be wiped out and we will send you a credit card with 0 % and pay off your balance. I asked what was the catch on this only one-time fee to the bank that will send me a new card of {$1500.00}. Well, I said okay and what's next step he replied a verification process and a confirmation for the fee will be given after all done. Well, he called the verification department and I was transferred to a XXXX XXXX, who asked me to repeat my information given to the first representative. I gave her my name, address where to send information and credit card, also my cell and repeat total balance which was {$7400.00} not including the fees of {$1500.00} = {$9000.00} total to be paid and {$120.00} fees to bank for processing this. = {$9200.00}. She said will be giving me a confirmation which she provided afterward ( XXXX ) and that together this amount will be charged one time to a credit card on the file ending in XXXX which belongs my own bank called Compass Bank. I was asked for the bank contact to debiting this fee. I gave her my bank but security seen it as fraud and contacted me on my other line and asked not to do this. I asked the person at my bank why and she said this isn't real and they could be later. I let Mrs. XXXX know to stop all and then was pass to a XXXX who was using verbally profanity because I refused to do this. I asked him to stop all and that I decided not to go with it. He refuses to listen and hung up on me. A few days later I was charged {$4100.00} to my XXXX card which I had to pay. I called the XXXX XXXX XXXX XXXX and had a deputy come and visit me and was provided a case # XXXX. I believe this company needs to be called on there not only unprofessional and lied and deceive others. I believe they need to be closed down according to several website information concerning there complaints already field.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Penn Credit Corporation
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Penny Credit as agents of XXXX who wouldnt remove the hold from my account stating that I needed to pay it to remove the hold forced me to pay Penn Credit Union because I was at the RMV and wanted to pay my registration renewal. They after being paid for the ticket number XXXX which is reference for invoice number XXXX stated that I only owed {$3.00} and despite any collections should have not had a hold on my account because they had sent to collections improperly or were only owed what they sent and is visible on said ticket & invoice respectively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
That comes billing me for the third time Ive been billed by XXXX XXXX who continues to send my bills to a different collection company because they dont know how to build my insurance company and if you go on the portal for XXXX XXXXXXXX that shows I dont have a balance so I dont understand why they keep telling me. 


I think both XXXX and can get their act together and knock it off and stop trying to bill me for something that's either paid or they need to collect new insurance coverage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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