BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: TransferWise Ltd
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX Transferwise ( wise.com ) took {$700.00} out of my bank account. 
On XX/XX/21 Transferwise ( wise.com ) took {$700.00} out of my bank account. 
I have only approved one of the 2 transactions. 
Transferwise says that they only took {$700.00}, not {$1400.00} but my bank account clearly shows {$1400.00} has been deducted. 
In the Transferwise app, it only shows {$700.00} was taken. 

Transferwise says that they had investigated this and this was their response : " Our payment 's team has investigated this, and we can confirm that only one payment of {$700.00} was taken from your account. 

It looks like two transactions from your history, but the first " deduction '' was our system communicating with your bank to check if your balance can cover the total amount of bank debit transfers over the past 4 business days. The only payment was pulled out on XXXX XXXX XXXX ( UTC ). '' So basically Transferwise is denying having taken {$700.00} on XX/XX/21 when it is clear from my bank that they took {$700.00} that day. 

I am attaching my bank account 's transaction activity showing dates from XX/XX/21 to XX/XX/21. It clearly shows that 2 different {$700.00} amounts were deducted and not refunded ( each transaction also has a different ID # ). 

I am also asking my bank to look into this as Fraud but have not yet received a response since I requested an investigation 12 days ago. 

Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I would like to file a dispute with you in regards of capital one. 

I filed a claim with capital one for unauthorized charges and they did not resolve my dispute. I am including transactions and dates. These charges were unauthorized and they have reversed charges on my account debiting my account almost {$2600.00} Please help me with this as this is a lot of money and Capital one will not help me any further. I think they are in violation of regulation E. 

They sent me documentation that makes no sense to me and does not prove that I made any kind of purchases with this company. 

Thanks for filing claim number XXXX. 

We received your request to reassert an error on the following transaction ( s ). We finished looking into your dispute and didn't find any errors after checking our records. So, we're denying your claim and closing your dispute. 

As requested, here are the attached docs used to make our decision. 

Transaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$100.00} - XXXX   XXXX XX/XX/XXXX - {$110.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$90.00} - XXXX XXXX XX/XX/XXXX - {$23.00} - XXXX XXXX XX/XX/XXXX - {$71.00} - XXXX XXXX   XX/XX/XXXX - {$98.00} - XXXX XXXX XX/XX/XXXX - {$32.00} - XXXX XXXX XX/XX/XXXX - {$40.00} - XXXX XXXX ransaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$150.00} - XXXX XXXX   XX/XX/XXXX - {$140.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$76.00} - XXXX XXXX XX/XX/XXXX - {$120.00} - XXXX XXXX   XX/XX/XXXX - {$95.00} - XXXX XXXX XX/XX/XXXX - {$140.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$50.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$47.00} - XXXX XXXX XX/XX/XXXX - {$45.00} - XXXX XXXX XX/XX/XXXX - {$140.00} - XXXX XXXX   XX/XX/XXXX - {$50.00} - XXXX XXXX XX/XX/XXXX - {$50.00} - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't recognize this account. This is not my account. 
This is false!

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 2021-07-14
Company: Nelnet, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following accounts appear on my credit report, they do not belong to me and are hurting me Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: ZIONS BANCORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 at XXXX i deposited {$280.00} cash to my checking account. The receipt said it's on my account and available. I logged in to my online account and it is not available. After calling in the said I have to wait XXXX hours. They also stated that it was made after cut off time and the business day was over.

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 2021-05-30
Company: Experian Information Solutions Inc.
State: PA
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:
My account was locked Some how its was open when I never opened it someone run my credit and put a hard inquiry on credit reports

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 2022-01-09
Company: Mountain Run Solutions, LLC
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Global client solutions llc tried to make payments and wont except what I can pay started out as owe XXXX now XXXX turned over to a lawyer now calls from them telling me what I have to pay I am on fix income and been XXXX don't no were to turn also a bank called XXXX  XXXX  wants XXXX its a on on thing calling going to turn over lawyer I told all them going in XXXX  XXXX XXXX  said wont except them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my credit report from this company for {$150.00}. It states the original creditor is XXXX. I have service with them so this debt is not correct. I have had multiple companies add an account from XXXX and it is not valid. No letter or anything was sent. Just thrown on my credit with no proof. This error has messed up my home buying process. This is information is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A FRIEND XXXX GOT HACKED, SCAMMER PRETEND TO MY THE PERSON AND TOLD TO INVEST A CERTAIN AMOUNT TO GET 3X THE AMOUNT. AFTER THEY TRIED TO " HELP '' ME, THEY BLOCKED ME, AND I FOUND OUT THE WALLET HAVE OVER XXXX XXXX  IN IT. THE SCAMMERS HAVE MORE THAN ONE IDENTITY. JUST LOOK UP ON XXXX " XXXX ''. MANY HAVE BEEN VICTIMIZE, AS MYSELF DUE TO HOW DESPERATE THE ECONOMY IS RIGHT NOW. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts are not mine. I do not recognize them and I am victim of identity theft. Please take a look at these accounts below and make investigation someone stole my personal data After investigation please delete these accounts from my personal credit profile XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co - XXXX Please help me and remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: KEYCORP
State: CO
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 XX/XX/ I signed up for a new Key Bank XXXX, the web promotion on the application offered a sign up bonus of XXXX points after 5 eligible purchases within the first 60 days redeemable for {$200.00}. On XX/XX/XXXX, I fulfilled the requirements of the promotion, having made 5 purchases. One month later when I did not receive the promised bonus points I contacted the customer support on the back of the card, who assured me that I met the promotional terms and that I would receive the bonus within the next month. When another month passed without the bonus points posting I opened up a support ticket on XX/XX/XXXX and was told I would be credited the points by the end of the month. On XX/XX/XXXX I received the following reply : " After escalating your case it seems that due to not having a checking account the points have not been applied. We understand the fact that you were not advised that a checking account was needed for this reason we need you to refer to your local branch. '' My local branch was unable to help me. I was not advised a checking account was required for the bonus and I find no mention of this requirement in the terms and conditions from the original application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please validate this information with none and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file. XXXX XXXX XX/XX/2019 and XXXX XXXX XX/XX/2019

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 2017-11-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Throughout the last month, Chase Bank has been re-ordering all debits in order to maximize overdraft fees. For example, on XXXX XXXX on my statement, Chase charged me {$68.00} for two overdraft fees totaling XXXX dollars buy putting a {$75.00} check ahead of these, where it should have charged only one fee at {$34.00}, as there were sufficient funds to cover the aforementioned smaller debits. This practice is frustrating. For someone who is living pay check to pay check, Chase is extracting hundreds of dollars in fees. This is usury and it should be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent a request to recast after paying off {$69000.00} off XXXX mortgage since XX/XX/XXXX. Sun Trust came up different reasons to delay the process and changed the criteria of what can be and can't be changed. For example, SunTrust can't get the principal correct in the recast after I have contacted them few times. After few contacts, I decided to send in one additional payment and hope that they will come up with the right principal amount to recast. I was told that we can send in recast request if we pay additional {$5000.00} in the principal but last XX/XX/XXXX they told me that I have to send in at least 10 % of the outstanding loan to request any recast. When I came up with 10 % of the outstanding payment to recast and requested to remove the escrow account at the same time, I was told that I can't remove my escrow account because the investor has changed the criteria of escrow accounts removal. The escrow account can only been removed after opening the account for two years and my account has only been open for one year. I told them that I was told that escrow account can be removed after one year when I first refinanced and was able to do so with my first Sun Trust account before I refinanced. They told me that the investor has changed the rules last XX/XX/XXXX. I asked them why I have never received any information about the changes. Particularly, I sent in the request about XX/XX/XXXX and I have paid off all of taxes for XX/XX/XXXX at the end of XX/XX/XXXX. Sun Trust never bothers to tell me that I can't remove escrow account until I paid off the rest of XX/XX/XXXX taxes and called them back to ask them to apply the escrow amount to the principal. I never got any answer. All they do is asking me to pay additional XXXX for something that I already paid. 

After recast, Suntrust requested me to send in {$4900.00} for XX/XX/XXXX and it also shows that I am past due {$2400.00}. I have contacted SunTrust and asked them to recalculate the payment and also reinstate the fact that I have never received any changes about escrow accounts. They contacted me twice via the phone. When I called back on XX/XX/XXXX around noon, I got cut off. I called them again today ( XX/XX/XXXX ) and got cut off first time after speaking with the first representative. I called back again at the number that was left at my phone and spoke to the second representative. He was not aware of escrow account issue but he told me that they have a lot of information on my account about me not being able to pay and need assistance on my payment. I still can't get any answer about escrow accounts.

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2022-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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

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 2020-11-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and things Ive never seen before on my credit report. Over 45 days late I have not received a response yet. I think that they are ignoring my disputes. Section 611 ( a ), It states that a failure to investigate these items within 30 days constitutes a removal of these items from my credit report. Its been well over 45 days and they should be deleted immediately. My credit was involved in the date breach and some of my information may have gotten been misused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB Staff, I XXXX XXXX am the have been the victim of identity theft for years now. Equifax has repeatedly removed multiple fraudulent accounts from my Credit Report just to allow them back on again within months. Now even though I have resent them the evidence of my identity theft just as before they have not reremoved the following fraudulent accounts from my report! 

1. XXXX XXXX 1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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:
THERE ARE 9 STUDENT ACCOUNTS THAT ARE IN FOREBARENCE AND SHOULD NOT BE SHOWING ON MY REPORT PURSUANT FCRA 623 IM DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 12 CLOSED ACCOUNTS WITH BALANCES THAT ARE SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE PURSUANT TO FCRA 623 I'M DEMANDING THE REMOVAL OF THEM ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called Equifax on XX/XX/2022 and XXXX on XX/XX/XXXX about an account that keeps reappearing on my report after being deleted. Reinsertion goes against FCRA regulations. The account XX/XX/XXXX which reported on XX/XX/2022 is a reinserted account for XXXX. The representatives of both let me know to upload an FTC document in order to get this taken off. It appears that their online uploading tool is not working as the bureaus still keep reporting this account after sending them such documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
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: Old information reappears or never goes away

Complaint:
XXXX refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX. XXXX  stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.

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