BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: TransferWise Ltd
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX - I attempted to make an international transfer through Wise to a service provider using an XXXX. Wise sent me a message immediately saying they could only make the transfer using the XXXX XXXX. I responded providing the XXXX details. ( Transaction # XXXX ; amount XXXX XXXX  ) XX/XX/XXXX - I logged into my account to see the transaction was still paused. This transfer had urgency so I contacted customer service via Wises in browser chat to see what was the status. I was informed that there was an error on their end and it would take 5 days to clear. I asked if the agent could cancel the transaction. He said he could. I asked him to. He confirmed the transaction as cancelled. I made the transfer again using alternative XXXX based account details provided by the service provider. The transfer was made instantly and the service provider confirmed. ( Transfer # XXXX, amount XXXX XXXX  ) XX/XX/XXXX - I logged into my account and notice that the transfer that had been cancelled is marked as sent. I immediately contact Wise support via email. I received a response from XXXX XXXX ( Wise  ) with an email saying my transaction had not been cancelled but could be recalled. I replied immediately explaining again that they had provided cancellation confirmation to me, the transaction should not have been sent, and they payment needs to be recalled. 

XXXX - I receive notification that my account is being closed. I file a formal XXXX with Wise  regarding the cancelled transaction. 

XXXX - I receive an email from XXXX XXXX ( Wise ) telling me my transaction has been sent ( It appears they are not reading my messages at all ). I respond with the following immediately : " I realize it was sent. I received confirmation that it was cancelled from you via your support chat and the money was sent twice as a result. You then sent it even though your support told me it was cancelled. You need to return my money for this transaction. '' XXXX - After receiving no reply. I send one more message telling them I will be filing formal complaints with whatever regulatory authorities are relevant. I receive no reply to this message either. 

XX/XX/XXXX - I no longer have access to my account or support.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I sent two payments totaling {$710.00} on loan B of account XXXX on XXXX/XXXX/2016. I specifically asked that the entire amount be applied to loan B. It was instead applied to both loan A and B. I want this to be corrected, and the entire amount applied to loan B carrying an interest rate of 6.8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been having problems with the Amazon Synchrony card for a long while. The card keeps billing me amounts for things that I could not remember ordering. I had a difficult time discovering what I had purchased. 
There was no way to dispute the charges because Synchrony makes it difficult to contact them ; file a question or complaint ; or talk with a person. 
Finally, I was able to move my Amazon XXXX  XXXX  services bills onto my VISA card and I cancelled the Synchrony card. 
I was paying all bills as they came up for many months while I tried to get the problem settled. 
Now, Synchrony has billed me another {$65.00} for nothing. The account is closed, they admit, but I am being billed. 
I do not want any business with Synchrony.

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 monetary relief
Consumer complaint received 2021-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother became terminal in XXXX and I tried to dispute flight tickets for over {$1500.00} with cheap o air. I then disputed it with chase bank and was issued a temporary refund. They then after. Week or two retracted the money back and stated they can not do anything for me.. I supplied them with death cert and all supporting documentation to prove all steps and they still refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was trying to pay a bill with us banks mobile banking application. Upon completing the payment it always asks a security question. Today it asked a question which was not in the set of XXXX I had set for my self which resulted in my account being locked. This is a huge security hole if the questions can be changed by accident a hacker could easily do that to gain accesss to accounts. I have talked to many people who use usbank and this has happened to all of them. They refuse to acknowledge the problem so I do not know what to do aside from getting a new bank which I am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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:
XXXX claims they have a master promissory note with my signature on it. Please send me a copy of a bilateral contract in the form of the master promissory note that shows I am the obligated party for repayment to your company. 

Only the holder of an instrument has the authority to collect on a debt. If you did not sell this instrument you should be able to send me a copy of the original note. 

If you can not provide this contract delete this account from Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: NY
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 didnt authorize anyone or sign a power of attorney or consent in anyway or form for any person to open up a student loan for XXXX $ and another student loan for XXXX $ and a XXXX  XXXX credit card for XXXX $ these are all fraudently and i never had the knowledge or acess to any of these i want it removed off my credit report asap immediately because it does not belong to me and it is not fair i reached out to get help and nobody is tryna help me with this emergency situation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Back in XXXX 2007 I disputed a Tax Lien on my report. Trans Union investigated and removed the incorrect data. Despite verification from the Court that this lien was " EXPENGED '' it has not re-appeared on my credit report as " satisfied or paid. '' which is INACCURATE, FALSE and FRAUDULENT.

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 2016-07-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was going to write this in a written letter but seeing as how I am getting multiple first notices, I will respond through the CFPB. The reason why XXXX never received their payment for the selected dates were that I blocked XXXX from taking out of my account. All domain names were paid for the year and all other services were canceled except for XXXX website that was being paid out of my personal account until I switch everything to a new hosting service. XXXX attempted to charge my company, XXXX XXXX XXXX for over XXXX dollars and my bank will testify to this if they need to. There is no one is n't the world that could have a XXXX dollar bill with XXXX, if anything is reported on my company negatively reguarding this issue, I will sue Complete Payment Recovery Services and XXXX for illegally trying to steal money out of my account and from my company. This is the only warning, cease and desist or I will see you in court.

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 2016-06-08
Company: MS SERVICES LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called and they did not give me much information on the debt at all. after finally doing some research I called them back and decided to pay the debt in full. they would only do a transaction by me giving them my routing number and account number which they would make a check out in my name to pay off the debt. It if very dangerous to give out your routing number and account number. I paid them off in full and then they refused to give me any kind of transaction record or receipt. they claimed they will only send it out by mail only after everything has cleared which can take up to 30 days to receive a mailed receipt. they were very rude and unprofessional. I do not agree with the way they handle business and do not think they should be able to conduct business this way or business at all in the future. all I want is some proof of a transaction since I am giving them my account number and routing number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt in question was paid in XXXX 2014 and is still being reported to the XXXX gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to ChexSystems XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.

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 2022-07-11
Company: Harley Davidson Financial Services Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Acct ending in XXXX was paid in full on XX/XX/XXXX at XXXX am. Confirmation number XXXX for XXXX XXXX in XXXX KY. On that day he signed over and legally notarized the bike to us. As of yet we can not get the Harley fiance department to release the lien. We have called a number of times. They claim they sent a letter XX/XX/XXXX but yet he has not rec 'd anything. He allowed us to talk to the bank and give his permission to release anything to us. We ask that just lien release letter be sent to our BMV  so we can get the proper title. Right now because they refuse to do anything on a bike they no longer have interest in we are forced to take money our of our 401K which we will be hit with serve pentalty at the end of the year, until we get the title correct we have to pay off the entire bike with the loan we have. I want a lien release letter sent to our BMV  and to be refunded any money we lose due to their unwillingness to release the title when we have a legal document showing the bike is ours not. We have 3 days to fix this until we have to take your 401K money out which will cost us {$7700.00} in taxes that I will need refund to me and all the extra interest I am paying!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
Synchrony Bank Amazon Prime Credit Card is outside the norm when it comes to processing payments by check. Every other credit company takes at least 24 hours to process a check payment - including many Synchrony accounts. I schedule my payments 24 hours before my pay is direct deposited to ensure that the money is withdrawn on the day I am paid. Synchrony Bank Amazon Credit Card processes the transfer the same day so that the payment processes 24 hours earlier than normal. This month ( XXXX 2016 ), I scheduled my payment of {$130.00} on the Amazon Prime Store Card for XXXX XXXX so the funds would be withdrawn on XXXX XXXX. The funds were withdrawn on XXXX XXXX instead. This led me to be charged a {$34.00} fee by my bank as my payment was turned back. I will probably also be charged a fee by Amazon Prime Store Card Synchrony Bank for a total of approximately {$70.00}. There is no visible notice on the Amazon Prime Store Card Synchrony Bank payment website about this anomolous practice. I would like any fees I incur as a result of this practice - from both my bank and Synchrony Bank Amazon Card - refunded by Synchrony Bank. Synchrony Bank Amazon Prime Card should also be required to change its practice to be in line with other financial institutions - or be required to prominently post this anomolous practice on its payment website. Finally, unlike other companies with interest free promotions, Synchrony Amazon Credit Card does not automatically post payments to its 0 % promotional balances - customers must actively change. Those customers who are not tech savvy will find themselves paying interest on promotional balances because they may not realize they must change how the payment is allocated or may not be able to figure out how to do so.

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 2022-07-10
Company: Affirm Holdings, Inc
State: NJ
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 have called this company for the past 4 months and told them this is fraud and I have never opened this account and they say they will look into it and get back to me. Well this is going on for 4 months with no answer. My credit reports keeps going down and this is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I bought a water heater from Lowe 's and used a zero percent credit card to finance it. Attached is a spreadsheet that enumerates what was charged to my credit card. The re-billing and crediting was not authorized by me. And, as you can see it does not add up to the total on my credit card. My balance is higher by {$51.00} the exact amount of my direct delivery credit. The store claims that I WAS owed that credit and that I DID get it. 
I have attached the reconciliation and a copy of my most recent statement proving the discrepancy. 

I am tired of being lied to and misdirected. I want this unauthorized change removed from my card. The total interest free period is about to be up and I will NOT pay interest on the {$51.00}, which I have not intention of paying. 

Please help me resolve this issue. I think these people are crooks. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1746 Unsworn declarationsunder penalty of perjury

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 2022-07-10
Company: EQUIFAX, INC.
State: NC
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 AccouRt # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

11.0K 15 USC 1666B : A creditor may nai treat a payment on a credit card XXXX account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by phone at work for a debt that I do not owe. I was contacted by the bottom feeder known as Portfolio Recovery Associates , LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: DISCOVER BANK
State: NJ
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:
I currently was helping my daughter, who lost her job to the Pandemic, pay her car loan ( I had co-signed ) I have a Discover card, they lowered my credit limit due to the car loan. We had been late a few times but have caught up and now only have 5 payments left I am in the closing part if a refinance when Discover Card lowered my credit limit even though Ive never missed a payment to them Even through the pandemic How do I get my credit fixed due to Discover card They are the only card causing a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted customer service And explained Ive been adversely affected for long-term because of covid 19 financially and in addition Im XXXX XXXX XXXX and I am requested a lower interest rate closing in my account and a monthly payment plan that is possible with my dire financial situation. She directly indicated they have nothing they can do to help me in this dire situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Genesis FS Card Services, Inc.
State: KY
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:
On XX/XX/22, XXXX XXXX advertised that Indigo was a High match that I would receive a credit card. it also said on the promotion that this pre qualification will not affect your credit. I have provided a screen shot of what Indigo 's Website actually says. As I proceeded with the application, it states that this will not affect your credit as I gave my information, I immediately got notification that my credit was ran as a hard pull because I have fraud alert on my credit report. I called during business hours the next day to let them no what happened and I was told I would be given a call back. It is now XX/XX/XXXX. I called yesterday XX/XX/XXXX, to get status and they told me that it will not be removed. I refuse to allow this company to take advantage of my credit by unlawfully running a hard inquires WITHOUT my permission. I want this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I have a Walmart Credit Card through Synchrony Bank. My account became past due in XXXX 2016. I went online and chose their option of Pay your full account balance off in installments. I chose 5 monthly installments. All of my payments were paid on the date allowed during the payment arrangement. However, they have continued to charge late fees every month. At the end of the 5 months, I still have a balance on the account due to the late fees and the interest they have continued to charge me on those late fees. When I called them, they were only willing to waive one fee, stating that I knew when my due date was. 

I just do n't understand why they would accept a payment arrangement from me to pay it off and continue to charge me the late fees.

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 monetary relief