BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: TransferWise Ltd
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I made an order to TransferWise on XXXX XXXX, 2019 for converting {$830000.00} XXXX dollars to USA dollars, and transmitted the {$830000.00} XXXX to them. Because of the long time it took them to approve the associated documents, they cancelled my order and requested that I inform them where to send the {$83000.00} refund. They then, without my permission, resurrected the cancelled order and made the transfer any way using the original conversion rate of XXXX XXXX. Since the order was cancelled, they had no right to do this without my permission. I was accordingly prevented from obtaining the refund that the cancellation involved, and using this money for a new order. Since the rate of exchange had improved at the time of the cancellation from what it had been in the original cancelled order ( and has remained improved to this day XXXX, I have incurred a substantial loss, in not having the {$830000.00} available for a new order that I intended to make. I can substantiate these facts in particular from a XXXX XXXX email from Transferwise in which they state concerning the unauthorized resurrection of the order " I believe that a confirmation by yourself would have been necessary before proceeding. I am sorry this did not happen ''. 

In resurrecting the cancelled order, they transferred the {$830000.00} XXXX using the XXXX XXXX rate of XXXX resulting ( after theXXXX % fees ) in XXXX USD, whereas a new order would have employed the improved rate that had become current of XXXX resulting in {$580000.00} USD. So because of the unauthorized transfer I received {$9500.00} USD ( {$580000.00} - {$570000.00} ) less than I would have been able to receive if the unauthorized transfer had not been made and I had been able to use the {$83000.00} in a new order as planned. I accordingly requested transferwise to reimburse me the {$9500.00} loss that I had thereby suffered. Their response was merely a limited offer to waive their commission on a future transfer that I might make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: Navient Solutions, LLC.
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Called multiple relatives and gave detailed loan information including amounts. 

Called my friend on XX/XX/2022 and gave her detailed loan information including amounts and settlement offers. Stated she was a co-signer on the loans when she was not and admitted that it was a mistake and she wasnt a co-signer. They had her social security number and information they shouldnt have. The person on the phone gave her her social security number without verifying who she was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have huntington bank, it is XXXX XXXX  on XX/XX/2019, their website can not be reached through any search engine!! I am very upset, I called, and they have NO CLUE, as ususal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My leased car matured XXXX 2019 and returned the lease document and purchased the same vehicle. 
The Infiniti financial office in XXXX office said the headquarter will send me the lease deposit to my home but never did. 
They were even supposed to pay off my last lease payment but ended up paying the last bill after 2.5 months and my credit score went down by XXXX points too.l I spent countless times getting hold of the rep in the company and tried to get my money back. They always said either they were working on it or sent to my home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: TX
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 submitted a dispute to Equifax on XX/XX/2017 certified with a return receipt. I did receive the return receipt verifying that the dispute was received. The Equifax website has the Dispute confirmation # XXXX, the status still as pending and the dispute date as XX/XX/2017 with and estimated completion date of XX/XX/2017. Today is XX/XX/2017, and I have still not received any response at all, and the status is still showing pending. I have contacted Equifax through their website with no response. The guidelines state 30 days for an investigation, being that the process has taken well over 30 days I would like the items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 trans union to investigate a account on my credit report twice and they refuse to investigate it properly under the fcra guildlines my third go around I talk to a XXXX XXXX XXXX supposedly a supervisor which refuse to also investigate it with a phone call to the crediter.

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 2017-07-24
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!

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 2020-01-06
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 I applied for the fay servicing borrower assistance. I spoke with and corresponded with my account manager, XXXX XXXX, on multiple occasions and provided additional documents as requested in a timely manner. I attempted to contact XXXX XXXX in XX/XX/2019, and when I could not reach her I opted to speak with someone else in the office I was advised they could not speak with me and transferred me back to XXXX XXXX to leave a message if she did not answer. 
On XX/XX/2019, XXXX XXXX returned my call and indicated she had been trying to contact me I asked what number she had called as I did not have any missed calls from her, her response was " Gurll I don't know who I have been calling, I thought you had ghosted me! '' On XX/XX/2019, XXXX XXXX advised me my application was complete and was sent to underwriting for review. At that time XXXX XXXX indicated she would contact me weekly with updates. That was the last time I had contact with XXXX XXXX. I have left voicemail messages and emailed her numerous times. I have never received any decision on my loss mitigation application and as I stated XXXX XXXX is not returning my requests for information. Foreclosure actions have been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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 have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Waterfall Revenue Group
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was involved in a motor vehicle accident XX/XX/XXXX 2013 which resulted in my car being totaled. The other motorist was at fault and the police and ambulance were called. XXXX XXXX XXXX is trying to collect XXXX from me when the bill should have been submitted to my auto insurance. I have contacted XXXX XXXX and they refuse to submit to my insurance. I have contacted all XXXX credit bureaus and XXXX is the only one who refuses to remove this account my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: MidAmerica Mortgage Inc
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was charged an escrow shortage on my Escrow review period XX/XX/XXXX - XX/XX/XXXX of XXXX through the company XXXX, I paid that shortage in one lump sum on XX/XX/XXXX to avoid having a large monthly payment of XXXX. The payments did go up slightly from XXXX to XXXX, but it was to balance the escrow going forward as this was for a new build home and property taxes were severely under estimated. The loan company continued to try to run the auto-payment for the amount shown on the escrow review as if I didn't make the lump sum payment, XXXX. They eventually resolved the amount taken in my autopay, however they charged me fees for the issue which they stated they would credit off my account, but never did. I called and every time they said they are taken care of, but it would appear on each statement. 

The company changed from XXXX to XXXX XXXX. XXXX XXXX sent an escrow review on XX/XX/XXXX. The review was wrong right from the start, as it showed my " current payment '' as XXXX, which was the amount from the last review if I didn't make my shortage payment, which as I stated before, I did make that shortage payment in full. 

It also shows charges for FHA loan and PMI. I do not have an FHA Loan, I have XXXX  XXXX Loan. I do not pay traditional PMI, I pay XXXXMI and those payments were set in my amortization schedule I received with my closing documents. 

The main issue causing the shortage is the difference between PMI I'm being wrongfully charged for XXXX and XXXX MI which was supposed to be XXXX per my amortization schedule. My property taxes also went up slightly XXXX, my homeowner 's hazard insurance with state farm stayed exactly the same. So my shortage should have only been around {$100.00}. 

I have contacted XXXX  XXXX 's customer service who told me the PMI and FHA charges are correct, however I have my loan documents and I not sign for a FHA loan with traditional PMI, my documents specify this is a XXXX  XXXX with XXXX. 

Please review this, I will attach my Escrow review from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Byrider Franchising, LLC
State: OH
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 authorized a hard inquiry from  XXXX    XXXX   XXXX   on  XX/XX/XXXX  for a car. I have notice that since then the same finance company continued to pull my credit report. This company has obtained my credit report  XXXX  more additional times without my permission, adding  XXXX  more hard inquiry 's.  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  were all unauthorized. Also, in addition to affecting my  credit score , this company obtained my information and addresses that were unknown to them with out my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Westlake Services, LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I financed a car through Westlake Financial. I continued to make payments through this company and had to file BK due to illness. WE offered to reaffirm vehicle, received no response.Continued to make payments. Company reported our account as discharged in BK with a XXXX  balance. We requested our title and were sent several letters that it would be forthcoming. In XXXX of 2015 we came home to a repo in process. In CT, you must by law sent a letter of intent and did not. We tried to clear up the issues and called many times during XXXX, XXXX and XXXX. We were treated rudely, often in a derogatory manner, were cursed at and threatened. I have recorded conversations with the bank. We were never given the opportunity to discuss cure of any default and we lost our property. I want monetary reimbursement for the trauma and deceptive practices along with clear FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/XXXX On XX/XX/XXXX, I reported Identity Theft to Equifax ; the unauthorized use of my information remains a serious issue. A police report was filed in XXXX County, case number XXXX where vital information was compromised. Since that time I have had accounts established, inquiries, banking issues that has arisen in my name without authorization, The following Inquiries were made without my authorization, some I have accounts with but I didnt authorized these inquiries. Please delete it immediately and place the fraud alert. There are two XXXX XXXX accounts although paid on time they are not my accounts. All Creditors have been notified. I have credit monitoring with Equifax, Please make the adjustments and rescore my credit accordingly. My attorney has advised me to contact CFPB for further assistance. Your failure to correct the incorrect information is creating more harm. I have notified Equifax a few times about this matter. Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXXFinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Oil And National Credit Cards XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Finance_______________ These Accounts have appeared on my credit, they are not mine and must be Deleted Immediately : XXXX XXXX Account Number XXXX High Limit XXXX and another with a High limit of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since the shelter in place was ordered in Illinois, portfolio recovery XXXX has called my phone 3x A DAY. I shamed one operator for telling me I should borrow money from my mom, who is elderly and especially during a pandemic. I realize this is a debit to be collected on. However, the next phone call was 2 hours later. I told the next operator the same thing. I told her not to call my phone until AFTER everyone could return to work, that my husband is an essential worker and she is not going to get to speak with him. Now that call my phone just about every 3 hours. How to I know its them? After I hit the ignore button I call the number back. When I ask whose calling they either hang up or say theyll call back later. And they do. They clone XXXX numbers and then later call back on a spam line. I told an operator TODAY ( XX/XX/21 ) that their office has been sent a cease and desist. That someone should check their mail. Theyve told me well if you dont pay your bill your going to jail, and you have kids you dont want to be arrested in front of them do you? This is XXXX  XXXX, I paid on that bill for 18 months before they called me and said I was in breach of payment which we never were ( I have the bank statements ) .yes a debit is owed, but this is harassment. During pandemic its illegal. We were in the process of hiring a lawyer to sue portfolio recovery before covid19. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: SLM CORPORATION
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my XXXX XXXX. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone used my bank account ( checking ) and debit card on XX/XX/XXXX. I immediately called the bank and they reversed the charges. On XX/XX/XXXX, they took money from my account stating that they had proof that I made the purchases. They took {$240.00} from me. I was forced to close my account because I was afraid they would take the rest of the money. The charges in XX/XX/XXXX were : XXXX + XXXX. I did not authorize these purchases and I have belonged to this bank for 30 years. I am concerned they are going to steal more money from me. I did not make these purchases and I am angry I had to pay for one of them already. In total 6 purchases were made. These are the two the bank is saying that I owe right now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
EXETER FINANCE You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation