BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-06
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent {$1000.00} USD from XX/XX/XXXXXXXX Wise 's partner ) to my Wise USD account on XX/XX/2021. On XX/XX/2021, XXXX sent me an email saying they were closing my USD account. Wise did not provide a reason why they were closing my account. Wise has said they will be holding my money for a minimum of 60 working days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Square Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX aka Cash App has froze my account XX/XX/2021 with my money on it. I can't send money or buy bitcoin but I can receive money .... I tried contacting via email because there is no live people and there response is my account is frozen and there is no further information they can give me ... I emailed about 20 times and now they will not respond. I can't take my money out I can't close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit score on Monday XX/XX/2019. I noticed a " derogatory remark ''. Apparently a company called XXXX XXXX XXXX XXXX asked a collections agency, to collect {$860.00} from me. This is negatively affecting my credit score. At this time, I have never received any notice nor bill from XXXX XXXX XXXX XXXX or the debt collector. To the best of my knowledge, neither party has tried to contact me with regards to the alleged debt. 

I tried to contact the alleged original creditor, XXXX XXXX XXXX XXXX. However it seems they have no central location and are practically impossible to contact. I managed to contact the billing department of a hospital they are affiliated with, who in turn gave a number to call, but the number is out of service. I received no bill from them, but they're still able to affect my credit score like this? How can a company who claims to improve the public 's quality of life, act with such flagrant disregard for the well-being of the people it's meant to be serving? If their claim is legitimate, why couldn't they get my information from my insurance company like every other health service? Whoever XXXX XXXX XXXX XXXX is using to handle their billing is either incompetent or unscrupulous. Possibly a combination of the two. 

I am a recent college grad, trying to start out my life with my wife. I am currently applying for jobs, apartments, credit cards, etc. The apparent, reckless negligence of XXXX XXXX XXXX XXXX is severely and unfairly, negatively affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CITIBANK, N.A.
State: NC
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:
Dear sirs, My issue is with a XXXX  Visa Credit Card, and Citi Double Cash Card, both issued by Citibank N.A. On XX/XX/XXXXof this year, I attempted to contact Citibank to request assistance in furnishing me with access to view my credit cards online.

On XX/XX/XXXX at approximately XXXX XXXX I was transferred to 'XXXX ' and remained on hold for more than 40 minutes without a response. I was then disconnected.

Later that afternoon at approximately XXXX XXXX I was again transferred to 'XXXX ' and waited on hold for 47 minutes and gave up.

After another 20 minutes, and the assistance of a XXXX  employee, I was connected with a 'Supervisor ' at XXXX. After a lengthy delay, he said that he had performed the actions necessary to grant me access to my account. Unfortunately this was not correct, and he made no changes to my account.

My issue is that the customer support for both the XXXX  Visa Credit Card and the Citibank Double Cash are so poor that any reasonable person would have capitulated, and they effectively do not provide these legally required services.

I am asking the CFPB to investigate the lack of access to credit card information provided by Citibank.

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 2020-05-03
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
DO NOT CLOSE THIS-IT IS NOT A DUPLICATE. I GOT A LETTER FROM US BANK RE : FRAUD THAT WAS COMPLETED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My FCRA is constituency violated with TRANSUNION. I've called to speak to a live rep to assist in a dispute to REMOVE Fraud Alerts. Remove Initial and Extended. The rep keeps telling me he is an outsourced rep in XXXX and can not pull up my info to validate my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Bread Financial 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:
Already reported identity theft this was an item on my credit report these businesses need to be more careful with opening fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: JPMORGAN CHASE & CO.
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 is a JPMCB account reporting on my XXXX and XXXX consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with JPMCB, XXXX and XXXX  and they have failed to remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
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:
I was looking at my credit report and notice there was a collection that does not belong to me. I sent the company and the credit bureaus certified mail telling them that this account does not belong to me. Its been about 4 weeks now, and I have not heard from them, or gotten any letters from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay 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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX and is DOB XXXX please delete the following fraudulent addresses from my credit file : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX PA XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have phone numbers on my credit file that do not belong to me. Please delete the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX i would like a new credit report as soon as possible.

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 2020-11-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been in the hospital for the past few months and just came home yesterday with COVID and on life support. My husband tried calling Victoria Secret to see what COVID protections there were. Since he was not on the account no one would talk to him. Now I have 60 days late on my credit report and who knows how much un fees!!! VS needs to fix this!! They need to remove the late reporting and waive the fees! Send me a bill of what I truly owe so I can find a way to pay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian is blocking and choosing which credit accounts go on my personal profile and they are violating my rights under the Fair Credit Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase Inc. disabled buys and my login without any warning or due cause. Despite numerous emails and calls, no action has been taken and all my assets and money are locked out from me for absolutely no valid reason. They just send me a generic email ( probably generated by a computer bot ) that my case has been " escalated ''. I am not the only one and the internet is full of horror stories of Coinbase which has locked people 's money for no reason.

I have around XXXX  ETH tokens and XXXX BITCOIN Cash tokens that I have been holding with Coinbase. They assigned me a case number # XXXX.

I have been trying to get a reply from them since the XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Amsher Collection Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Didn't receive enough information to verify debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: Was not notified of investigation status or results

Complaint:
Regarding my Equifax and XXXX credit reports, I have previously filed disputes that were resolved regarding a debt with XXXX XXXX XXXX as well as XXXX. These disputes were successfully resolved on my credit reports with Equifax and XXXX but were recently added to my credit file again. 

I filed disputes with Equifax once again regarding the same matters since the previous collections agency that acquired the debts sold those collection accounts to new agencies which were then again added to my credit file. 

Equifax ruled in favor of those collection agencies and the results stayed on my credit file which are preventing me from gainful employment if a government agency. I requested the evidence and supporting documentation from Equifax and they have failed to do so. 

15 U.S.C 1681a I ( 2 ) under the exclusions sections states that a consumer report does not include : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The bureau and creditor is in violation of this FCRA law. 

The previous reports ' confirmation numbers I have made with equifax are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Above may be some successful instances where I have had Equifax remove this information from my credit before, if I have succeeded with previous disputes regarding this information before, the derogatory information should not be re-added to my credit report with different collections agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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 is a XXXX XXXX XXXXXXXX, XXXX. / XXXX account reporting on Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX XXXX and Equifax and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are numerous of accounts that are listed on my credit report. I don't recognize any of them as I was a victim of ID theft. 103 Claims true identity fraud/account fraudulently opened. Please remove this data from my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint ( # XXXX ) against HSBC for unlawfully - and without my knowledge, permission, or consent - revoking an ACH mortgage payment agreement I have had for 14 years. Only I can revoke it and I have not. HSBC 's money is in the bank and it is HSBC 's own fault not to use the ACH agreement to collect the funds. 

I just received via CFPB a response letter from HSBC. It makes no reference to the said complaint number, nor does it address ANY of complaints. HSBC must do so, sooner or later.

In its letter, HSBC states " As you know, on XX/XX/XXXX, you were offered a modification trial plan. Your account was set up to automatically debit ( direct debit ) your monthly mortgage payment. However, since trial plan payments can not be drafted via direct debit, we cancelled your direct debit and subsequently notified you via letter dated XX/XX/XXXX ... " HSBC deceptively implies that I was a party to some trial plans. I was not. I did not accept HSBC 's modification offer, let alone its trail plan. Therefore, HSBC had no right to usurp my rights and illegally revoke my ACH agreement. Only I can revoke it. 

I therefore need HSBC to state what legal authority and justification it had to revoke my ACH agreement without my consent and permission. If it can not, HSBC must fix my credit and compensate me to my satisfaction and respond to my question from the last complaint which I re-state below. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: FREEDOM FINANCIAL NETWORK
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Good morning! 
I am a client of Freedom Debt Relief. I am reaching out to you because yesterday I happened to find out you filed suit against them XX/XX/XXXX. My contract with them started 5 months later. I am reaching out to you because I am experiencing the same issues that are described in your litigation documentation. I signed a contract with Freedom Debt Relief XX/XX/XXXX. Please see the attached documentation. My contract included 3 creditors, total debt {$15000.00}, with a monthly program payment of {$260.00} per month for 4 years. My contract states this will not affect my credit profile. A year and a half later, my credit score has dropped 200 points. From XXXX to XXXX. I was never late with my payments for my credit cards ( or any other bills for that matter ). I was just told that I could pay off these 3 credit cards a lot faster if I enrolled with Freedom Debt Relief. All of my payments have been on time, being automatically taken from my bank account every month. They didn't start negotiating anything until several months later when the first creditor stated they were suing me. I was told that all 3 creditors would be negotiated with at the same time and that's how my payment and the length of my contract would be determined. A year and a half later, Freedom Debt Relief had not even negotiated with the second creditor. They did nothing until I recently received documentation from my credit card company that they were suing me. So now FDR is telling me my payment will be an additional {$290.00} per month. Totalling {$560.00}! The third and last creditor has not even been contacted by FDR. When I complain to the attorney from FDR 's partner XXXX XXXX XXXX XXXX, XXXX XXXX, he says he has had multiple complaints about how FDR is treating their clients and I would need to contact them. When I contact FDR, they say to contact XXXX! I am in a desperate situation. They want me to contact them by today if I agree to pay the extra {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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 was affected by XXXX, XXXX XXXX XXXX  closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX  was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to XXXX and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.

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 2019-09-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019, my Federal student loan ( serviced by Navient ) was paid off in the amount of {$91000.00}. I received an email from Navient on XX/XX/2019 congratulating me about paying off my loan and the posting of this payment. Additionally, on XX/XX/2019, I received another email from Navient congratulating me for paying off my loan. Subsequently, my loans were reported as paid, closed/never late to the credit reporting agencies. 

However, on XX/XX/2019, I received an email from Navient including a monthly statement, requesting a {$240.00} payment. That same day, I called Navient to inquire about this email and was told that Navient made a mistake back in XXXX when calculating my interest payments, though they never contacted me. She told me not to worry about this email, as my loan is paid off, but she sent a request to an investigation department with Navient to address this. Additionally, on XX/XX/2019 I received another payment request email from Navient, with the same due date as the email the day before, but with a new amount of {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect 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