BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: TransferWise Ltd
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi I am a WISE formerly TRANSFERWISE, customer from the US. I am sending this email because I didn't see any other way to communicate with WISE to get help. I have a lot to say but not enoughtime to get it all out. 

My issue, I can't reach anyone at WISE. My circumstance, my phone was stolen and I am in XXXX, I need to transfer money. I can not because Wise requires me to confirm using my phone. Every time I try to reach a help desk or someone to talk to I am asked to Login.I can login but then I'm asked to verify using my phone which is stolen. I have logged in several times but the only way I can communicate with anyone is by submitting a complaint. 
I just want to transfer money to pay my rent so I don't get evicted. I guess I'll have to use another service. 

Based on my experience there IS NOT a way to contact a representative at WISE though they claim to have customer service staff. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They actually have 4 of my credit cards XXXX for XXXX, XXXX XXXX for XXXX, XXXX for {$2.00}, XXXX and lastly Best Buy for XXXX something and that's the amount that's Im disputing cause my credit report shows XXXX. They are not trying at all to make meaningful settlement negotiations for the other 3 cards and they claim theyre going to " investigate '' the amount of the best buy card but in the meantime they listed it on my credit report when Im trying to fix it they want 1k + a month, I cant do that! they want a lump sum for 40 % off with no monthly payment so they are effectively not working with me.

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 2017-07-29
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: Account status incorrect

Complaint:
I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX XXXX and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX XXXX XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly 80 points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am trying to modify or apply for a forbearance on my home equity loan with Specialized Loan Servicing. I sent all my required documentation to them via mail and uploads. They kept stating that they needed additional documents which I uploaded several times. I was never contacted by them via email or phone which seems strange. The communication with this company is awful and researching them and reading reviews it seems this is their way of dealing with consumers. I wish my loan was never transferred to them. I received a letter for them dated XX/XX/19 stating that they conducted a review of my application for relief options and they are unable to evaluate me. I have sent everything they have requested as I said and they continue to state they do not have all the required documents. I intend to keep my home and would like to have options as to getting help with 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 2017-07-29
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: Account status incorrect

Complaint:
I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly XXXX points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.

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 2017-07-29
Company: EQUIFAX, INC.
State: UT
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 told my Internet provider XXXX XXXX that I wanted my account closed months before my account was actually closed. I had gotten another provider, but they kept charging me even though I was n't using their services. I now have a collection from XXXX XXXX on my credit account that I want removed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Halsted Financial Services, LLC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/22 I have received calls once or twice weekly ( and escalating ) from a company calling themselves Halsted Financial Services at ( XXXX ) XXXX. They use a robo machine to make collection calls and texts using anonymous numbers to avoid screening. Each time I have answered the same woman with a distinctive accent attempts to " verify '' my details before talking about my " debt. '' She immediately begins asking me for personal information and already has the last 4 digits of my Social Security Number. They claim I have a debt with XXXX XXXX, a company I have never had an account with as I have had XXXX XXXX XXXX XXXX for XXXX years. I called XXXX XXXX and verified with XXXX in their billing department that I have never had an account or debt with them. I then called Halsed Financial and the phone was answered by a woman with the exact same distinctive accent. She and her " supervisor '' both said they would take me off the call list with nothing more than my curt insistence that what they were doing was wrong. These people are committing fraud and the " less savvy '' need them to be put out of business. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: C/C Financial
State: TX
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:
On XX/XX/2022 the consumer sent XXXX XXXX a cease and desist pursuant 15USC1692c. Preferred lease has already been paid for the alleged debt. Plus extra monetary. The company replied to complaint # XXXX. Pursuant 15USC1692b The consumer never gave perferred lease written permission to communicate with the consumer or access the consumer report. The Consumer is still being harassed by email and text messages willfully regards to what the federal consumer law says. Preferred Lease is still invading the consumer privacy. Today a default and opportunity to cure was sent to the debt collection company certified mail with return receipt The company still has not responded under perjury and penalty. We hope this matter can come to a resolution soon. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Credit Plus Inc
State: MI
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:
On XX/XX/2020 a finance inquiry was posted to my credit report initiated by Credit Plus This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Credit Plus ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2017-07-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen is sending out default letters and Demand letters on my loan that is in, " Good Standing, '' as I am not 90 days past due on my MHA HAMP Modification agreement. Violating Federal Bankruptcy laws by sending me frivilous demand and default letter. Blocking me, a XXXX person, from receiving government financial assistance from the XXXX XXXX 's Financial Crisis Assistance program. I am XXXX. I suffer from XXXX, XXXX XXXX XXXX, XXXX, XXXX and a myriad of other issues. Ocwen is pushing my XXXX through the roof because of their unwillingness to adhere to my modification, blocking financial assistance which breaks laws under ADA. I am too XXXX and too tired to go into much detail. I will attach a letter I sent to Ocwen today and that I 'm sending to the Florida Attorney General 's Office. I 'll just make some quick points because I ca n't focus for long and trying to write letters give me anxiety attacks to try and concentrate. So, here are some quick bullet points. OK, thank you Excessive fees for property inspections and evaluations, etc. failing to respond to my many inquiries sending false default demand letters when my HAMP Mod is still in Good Standing as I am no 90 days past due. They are trying to trick me out of my modification. Breaking ADA laws Breaking Federal Bankrupcy Laws on a loan that was discharged in chapter XXXX bankruptcy XX/XX/2008 and NOT REAFFIRMED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: UT
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 noticed on my credit report that a medical was on there XXXX, and it was the same medical. The medical was reported by XXXX XXXX for a medical service. The service was on the same day, the amount was the same, but yet they have XXXX medicals for the same debt. They have duplicate trade lines. I have asked XXXX and Equifax to remove the XXXX duplicate tradeline, both in the amount of XXXX dollars. They refuse to do so. I have worked at a credit agency ; the XXXX unpaid XXXX XXXX are the same account : open date the same, amount the same, day of delinquency the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: CMRE Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CMRE Finance, placed on my credit report twice the same amount for the same day ( 1.
CMRE FINANCE N/A Collection/ Chargeoff Learn More {$470.00} XXXX XXXX, 2017 2.
CMRE FINANCE N/A Collection/ Chargeoff Learn More {$470.00} XXXX XXXX, 2017 ) charge off for medical bills. I had called them and told them that I was covered by the XXXX XXXX and XXXX and used providers in the insurance group ... that I was Not responsible for the amount not covered by insurance and according to medicaid I do not owe this, as the hospital and doctors ( under contract ) has agreeded to accept as payment in full from insurance company for the services that were given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
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: Report provided to employer without your written authorization

Complaint:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as Experian. these accounts are with DEPARTMENT OF EDUCATION XXXX XXXX, LOAN SERVICER. this is willful defamation. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OF EDUCATION 'S XXXX XXXX which is ( still reporting )?, Experian has held an investigation longer then 30 days and with willful intentions to keep reporting another FDCPA violation liable for damages. I have peacefully notified all arrived with proof of claim and statement, and have defaulted XXXX XXXX, with a Notice of Default via mail XXXX XXXX. I have not authorized any reporting or information nor should the information be reporting on my reporting due the primary nature of this investigation and complaints of not have any written instructions or " permissible purpose " pursuant to 15 US code 1681 B, also 15 USC 1692, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. Not to mention the XXXX XXXX action suit filed XX/XX/2021 due to predatory lending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Experian Information Solutions Inc.
State: TX
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 have a ton of automobile inquires ranging from XXXX -XXXX and one mortgage inquiry in XXXX that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( XXXX, XXXX, and Experian ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of XXXX told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different cm having to

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 2022-01-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied with AMEX today for a credit card and was denied .My credit is in good standing and never any late payments or issues. This is not the first time that this company has denied me and when I called to find out the reason I was told that was due a card that i had with them back in XXXX? I have looked all over my credit report and only card that i had was with my ex-husband and account was opened in XXXX and closed in XXXX. 
My daughter, tried to add me as an authorized user on her card and they denied me again for the same reasons a year ago .This is insane! I feel i am being discriminated due a bankruptcy that i had to file 18 years ago! The company is giving me the run around and need to get a resolution. Your help will be greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to H & R ACCOUNTS. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AmSher is attempting to collect on a debt that I do not owe. I mailed a certified debt validation letter to their company requesting specific documentation to validate the debt which are a signed contract with my signature binding me to this debt that they are claiming I owe. Also I asked for information regarding how much they paid for the debt, and other important documents which I have not received therefore the debt has not been validated. AmSher only sent an account summary no signed contract. By law the FCRA requires debt validation which has not been done by AmSher they are in violation with the FCRA and I will file a lawsuit if this debt is placed on my credit reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation