BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX. I joined XXXX ( formally Transferwise ) to send money to my friend in XXXX. When the money was not received, I contacted XXXX and told my account had been deactivated. I was not given a reason why my account was deactivated just a list for possible reasons. I then filled out forms to have my money returned. i have tried many times but when I got to the last page where I prove who I am with a selfie and ID. The company app won't download the photo. XXXX 's help center keeps saying they are busy try later. There is no phone number to contact XXXX and the app is apparently the only way to contact them. They have XXXX dollars of mine which I want back. I was hoping you would be able to help by contacting them. My XXXX  is XXXX and phone is XXXX XXXX XXXX XXXX. I want to Thank you in advance for your help in clearing this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a refund from Navy Federal Credit Union for my mortgage overpayment. The refund was intially sent in the form of a check. My mail was delayed because I was in the process of relocating. I contacted Navy Federal Credit Union and asked them to cancel the check and deposit the amount in my savings account instead. The refund amount of {$370.00} was deposited into my savings account on XX/XX/2022. On XX/XX/2022 Navy Federal Credit transferred this amount to their debt collections department. I never received notification and was never contacted by their debt collection department. I contacted Navy Federal Credit Union this evening to find out why the refund for my mortgage overpayment was transferred from my savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is impossible for a charge off to be an open account, it is being reported as an open charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Late fee

Complaint:
I have an account with Macy 's and am being harassed by them. I have written XXXX letters to their credit department contesting late fee charges which have been charged to my account after I paid the balance. This has happened to me since XX/XX/XXXX. They are now calling multiple times a day. I have caller ID and therefore know who is calling me. 

I want their calls to stop and to have the late fees removed from my bill. It strikes me as an illegal and unethical practice to charge customers a late fee compounded by the next month 's late fee after a payment has been made. My account is paid in full and yet they continue to hound me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/2016, Navy Federal Credit Union stated I have a loan balance with them in the amount of {$1100.00}. with fees added, totaling {$1200.00}. NFCU offered me a settlement of {$630.00}. the settlement was paid in XX/XX/2016. Today, XX/XX/2016, I am reviewing my XXXX credit report and NFCU is reporting that the {$1200.00} has been written off vs paid in settlement. I spoke with NFCU and they claimed there 's nothing they could do to change the " falsely '' reporting information and it is XXXX reporting the information and not NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have requested via telephone I have requested via letter I have requested via the cfpb portal the following THE NAME OF THE CREDITOR WHO REPORTED ON MY PERSONAL CREDIT REPORT IN 2019 and due diligence in the reported fraud address on my personal credit in my name of XXXX XXXX XXXX by unknown entity of XXXX XXXX XXXX XXXX Virginia to the the CFPB FTC AND USDEPT OF JUSTICE and XXXX  and Transunion and XXXX. I HAVE CONTINUED TO REQUEST THE NAME OF THE CREDITOR ... AND THE ADDRESS AND THEIR PHONE NUMBER ... WHO REPORTED THIS ADDRESS..AS I AM ENTITLED TO REQUEST UNDER THE LAWS OF THE FCRA ACT and others. XXXX   TRANSUNION XXXX  FAX ME THE NAME OF THIS CREDITOR IMMEDIATELY. 
so my civil rights do not continue to be denied. My fax number to fax this info to is only XXXX

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 2022-09-05
Company: American First Finance, 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:
AMERICAN FIRST FINANCE XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS XXXX XXXX ( XXXX ) XXXX I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. 
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted my loan company M and T Bank about placing a forbearance on my mortgage payments due to COVID, which are XXXX a month. They agreed to a 6 month forbearance but, when I asked that the payments be placed on the end of my loan, they said they could not do that. I mentioned that was an option under the CARES act, but they only said they could review my situation at the end of the forbearance period. 

When I asked if all my payments would come due at one time at the end of the forbearance, they said yes. I then mentioned that under the CARES act, that I could avoid that, but all they kept saying is that they would review the situation at the end of the six months. 

I am now in a forbearance plan facing an uncertain future about what I will owe at the end of six months, and the consequences of what will happen if I have to pay 6 mos of mortgage at one time. 

Thank you for your assistance in this matter.

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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Today XX/XX/2020 I received an email alert that an account has been reported as delinquent. I am on a program with XXXX  credit card for 3 months. I have made my payment in the amount of {$180.00} to enter into the program I was also told this account would not be reported as delinquent to the credit reporting agencies but it was which caused my credit score to drop. I was offered this program due to my temporary financial situation due to this pandemic that is going on right now. I anticipate this account will be up to date being in the program they offered. I am upset that it is reported when I specifically asked if it will be I was told no because Im in the program and attempting to clear this debt

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 2016-08-27
Company: Seterus, Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I negotiated a Deed in Lieu of Foreclosure with XXXX on XXXX for my property with XXXX XXXX XXXX handling the Deed in Lieu of Foreclosure ( DIL ) paperwork and completing the agreement as the law firm representing the mortgage company. Several months ago, a company called Seterus Inc. started sending me overdue mortgage collections notices for the property I had discharged in the DIL proceedings 4 years earlier. They also knocked my credit rating down over XXXX points by incorrectly reporting that I was over 180 days delinquent in paying my mortgage. They requested paperwork on the DIL agreement which has been sent 3 times now and they still continue to harass me by sending several collections requests per week via mail and continue to call me regarding this mortgage that we discharged in a DIL agreement over 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CITIBANK, N.A.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled this debt in full on XXXX/XXXX/15 after a settlement agreement was reached. I was told the lien would be removed from my home and 42 days layer the lien is still in place and I continue to show a balance with this company. XXXX is the debt collector and Citibank was the original creditor. I will upload receipts and emails and the settlement offer indicating this debt is paid in full

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 2016-09-12
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
We pulled a credit report because we just did a home loan. 
on the report was a card in our name that is not ours.

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 2017-01-09
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
CitiGold Checking Bait and Switch I signed up for a Citigold Checking account as part of a promotion for XXXX XXXX AAdvantage miles after terms and conditions of promo were met. 
Faxed in their form to open the account and fund it with my Citi AAdvantage Credit card. The funding never happened, so I funded it some other way. Confirmed via phone and Secure Message that I had met the terms and conditions of the promo and separately was eligible for the bonus. Well, after I did all that ( and paid the {$30.00} per month for a checking account ) they said I was never eligible for the bonus and would n't even address the original funding problem. I have gone back and forth with them multiple times to pull my calls from their call recordings for proof of the eligibility as well as offered to submit proof of the funding issue, but have gotten nowhere. Front line reps on the phone tell me to call XXXX, and " submit '' a ticket in which case I get a letter 3-5 days later. I can never talk directly to the group that processes it and ca n't submit proof.

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 2017-05-24
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding LLC has tried to collect a debt and I sent out a letter asking them for proof of the debt because the amount they were requesting was higher than the debt. I told them not to contact me via phone and I did not receive any information about the debt they were trying to collect or proof on the amount. I have this on my credit report and I did not get proof as to what the debt being collect or amount was for so I do not know if this is my debt or not. Company did not send me any information therefore I do not believe it should be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: WLCC
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
they sent a fax to the head of HR and accounting at my company with a fake wage garnishment form. luckily she realized it was fraudulent and illegal before sending it through to garnish my wages. I sent them an e-mail, fax, and certified letter telling them to cease and desist all contact with me and my employers. they continue to call and send e-mails to my company e-mail threatening to send another fax to garnish my wages. i received one of those emails agian today. i have included the latest e-mail. i told them to stop this harassment back in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28
Company: CITIBANK, N.A.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was solicited to open a consumer checking account ( The Citibank Account Package ) on XX/XX/2016 with a promise that I will be offered {$400.00} cash bonus, if I deposit {$15000.00} within XXXX days of opening the account ( Exibit # XXXX & XXXX ) I did open the account on the same day and deposited the required {$15000.00}. After opening the account, I double checked the offer terms and whether it was applicable to the newly opened account ( Exibit # XXXX ). Following the XXXX days as per the terms, I again contacted CitiBank to confirmed that my deposit of {$15000.00} qualified for the {$400.00} cash bonus XXXX Exhibit # XXXX & XXXX ). It has been more than XXXX days, I have not yet received the {$4000.00} cash bonus. Citi 's solicitation number # XXXX is outright misleading and I humbly request Citi to deliver on its promise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  I received notice that my credit report had been hit with a collections account. Once I pulled it up it stated that it was  Jefferson  capital which I received no notice what so ever via mail. Which violated my rights to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have multiple fraudulent addreses, fraudulent loan information and multiple false cell phones numbers being reported only by Transunion credit r e porting agency. Also, the agency reports information from 20 years ago illegally. In addition, the agency misreports criminal information records that have dismissed, expunged or commuted. I have disputed these errors multiple times with Transunion but the company keeps reporting the bad information over and over again.. I have believe Transunion has been part of class lawsuit before for misrepresentation.

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 2015-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
My credit union, XXXX, reported late for XX/XX/XXXX 2014. I contacted them and they said they 're not reporting late to the credit reporting agencies. I disputed it with the CRA 's and received a letter from XXXX stating I was not late. I sent in that letter to Transunion ( to be specific ). My credit report was updated to show no lates. A XXXX months later it showed up late again, I disputed it again- it was deleted. I checked my credit this month and it 's showing up late again. I called Transunion to get it straitened out and they are trying to get me to dispute it which will take me another XXXX days- I refused. I 'm filing a complaint because my credit should not be harmed for all these XXXX because they keep letter something pop up late on my report which was proven, at least XXXX it was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I contacted TransUnion after receiving documentation from XXXX that they have removed their listing from my credit file after their investigation. XXXX is the owner of the XXXX/XXXX Account. I contacted Transunion and advised them of this and provided documentation and requested that the XXXX/XXXX account be removed from my credit file. When XXXX/XXXX sold the account, they sold their rights to the account. Previously, they updated the date reported on the account after a previous dispute. I then spoke with the Special Handling department and spoke to supervisors who requested me to fax in the documentation and that they would remove the account upon receipt. They did remove XXXX but they are refusing to remove XXXX/XXXX. I was advised that I needed to get a letter from XXXX advising that they sold the account to XXXX and they sent me one via fax. I have also sent the affidavit that XXXX used to remove their listing as I was told by XXXX a special handling supervisor on a recorded line that that was sufficient and he could get it taken care of in a day and then later did not remove it. This account is too old to be going through all this confusion.

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 2015-09-24
Company: Green Square Company LLC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been contacted multiple times with threats that if I do not respond within the day I will be sued. Called to try to settle on a debt I believe to be paid and when I offered settlement amount just to get them off my back, I was told they would have to check with the 'courts '. Continued to receive a call every hour for the rest of the day. Still never received a 'validation notice ' or a notice of the right to dispute. Just constant threats of legal action.

Company response to consumer: Closed