BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: VA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX ; XXXX XXXX, O ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
WISE emailed me on XX/XX/2022 that my account has been deactivated and received my appeal to reopen my account. 

After many many emails to their support team, they finally replied to me saying they will give me a refund and have sent my money to my bank details I provided to them. 
The refund stated it will take 3-5 business working days ( this was from the support team sent to me on the XX/XX/2022. 

" XXXX : XXXX XXXX, your money has been refunded. " Find attached the email. 

To my surprise, the refund never arrived. I continued to email and call WISE for assitance and nobody would help me! 

Until XX/XX/XXXX when I received a message saying they will not give me a refund and will not reopen my account!! 
They said they will not give me a reason why and that the money never got refunded on XXXX XXXX. 


I feel scammed and abused and I have very confused also what has happened to my money, the money is around XXXX USD that they have of mine. 

Please help me get Wise to refund me and respond to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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:
XXXX XXXX has 20 inquiries allotted on my credit report that they refuse to remove that was fraudulently used to attempt to put credit in my name. They have allowed companies like XXXX XXXX, XXXX XXXX, put collections on my account

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: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have two purchases on my my account ( 1st XXXX {$280.00} and 16th XXXX {$240.00} ) I tried to contact the merchant and no response.So I started this dispute and citi credit card representative tell me I did not respond them so that the case closed .in the meantime, I did not get the letter, email or telephone call from Citi .

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 2020-08-06
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is currently serviced by SLS. They recently issued a notice of default claiming that {$1600.00} was needed to cure the default. This amount was paid to bring the account current. SLS claims that the account is still in default and proceeding with foreclosure action. SLS has not provided any records to prove up up the overall validity of the debt. 
As defined under Real Estate Settlement Procedures Act ( RESPA ) Fair Debt Collection Practices Act as well as the Fair Debt Collection Practices Act ( FDCPA ), it is required that current creditors hold the necessary documentation granting the authority of servicing rights and all applicable mortgage assignments from one lien holder to the next. These documents have been request in writing by way of a Qualified Written Request ( QWR ). SLS is in violation RESPA and CFPB law for proceeding with foreclosure action on a current loan. Since SLS is ignoring my requests for clarification on this matter, I am seeking your assistance.

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 2017-03-06
Company: LEXISNEXIS
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
LexisNexis Risk & Information Analytics Group , Inc. does not allow opt-out, security freeze or data suppression of it 's Accurint product. When consumers telephone the Lexis-Nexis Privacy Information manager at XXXX they and ask for opt-out and security freeze ( as those terms are defined by federal law ) from Accurint a representative will offer security freeze of their RiskView product or direct consumers to an opt-out page for PeopleWise or KnowX. These products are distinctly different from Accurint, which is regulated by the FCRA. In fact, Lexis-Nexis is aware of this and states on their webpage XXXX that the opt-out procedures stated thereon applies to a " Non-FCRA Opt-out Policy ''. That page invents new undefined terms like " information suppressions '' and conflates the various Lexis-Nexis products without even naming Accurint. It does mention KnowX and PeopleWise but any reasonable person reading the page would think that a person has to be one of " Public and elected officials, including law enforcement officers, and private individuals who are facing a substantial risk of physical harm or who are victims of identity theft. '' However, this is NOT the case for suppression from KnowX and PeopleWise which anyone can opt-out of. The policy involving those classes of consumers applies to Accurint and there is nothing on that page or on the internet which states a clear procedure for opting out of Accurint. 

In fact, one year ago, I requested to opt-out of Accurint and/or place a security freeze on that product. I telephoned the number above and sent in a copy of a report mailed to me from XXXX stating that I was the victim of a security breach. Lexis-Nexis informed me falsely that my information from that database had been suppressed. In fact, Lexis-Nexis only removed me from a product called " RiskView '' by applying a security freeze to that product alone. 

Lexis-Nexis has been sued over its handling of the Accurint product in XXXX XXXX XXXX et al., v. LexisNexis Risk & Information Analytics Group , Inc. et al., Case No. XXXX. In settling this class action suit in 2014 by paying a XXXX class action settlement Lexis-Nexis promised to change its policies and become " a model of the industry ''. Instead, it remains as murky as ever as to how to be removed from Accurint. There is no clear stated policy on Lexis-Nexis ' web pages anywhere as to removal. Instead, Lexis-Nexis conflates its removal policy for various distinctly different products and misleads the public as to what product consumers are being removed from. This is is being even as Lexis-Nexis has just now begun to mail out checks of {$300.00} to class members.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I checked my Bank of America account today and noticed that my account has been charged {$48.00} in XXXX installments since XXXX. I was never notified. I called the account services and they were rude and unhelpful. It is my money, I should be notified before any deductions are made on the account even if policies change. I have had the account for over XXXX years and now starting from XXXX, I have been charged {$12.00} XXXX for maintenance fees. I feel this is rubbing me of my money without notifying me. I will need my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has reported invalidate debt on my credit report the debtor has failed to produce validation of the debt. I requested them to investigate they failed to do so. I've sent out debt validation letters I have yet to receive a response

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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:
XXXX is a collection agency collecting for XXXX XXXX  in the amount of {$150.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

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 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion has illegally refused to investigate the false information on my credit report. I have previously asked them to investigate the false information from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have told them those accounts are reporting false information on my credit report however they have refused to investigate which is a flagrant violation of the Fair Credit Reporting Act. Transunion is illegally refusing to investigate the false information on my credit report which is impacting me greatly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX  is reporting duplicate inquires that I do recognize. Duplicates not authorized at no time do I recognize these duplicate inquiries.

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 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have inquiries on my Transunion report that showed back up on XXXX/XXXX/16. Apparently they had some sort of error in XX/XX/XXXX and they never informed me and now all these inquiries are on my report that should n't be. I called them I keep being told they do n't know what I 'm talking about. I would like those inquiries removed immediately.

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 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX shows me that I opened a home loan in 2011 which is incorrect. I do n't even own my own home and I never have. I 'm only XXXX XXXX XXXX. I would like to get that information pertaining to false home ownership taken off my file. I do n't know where that came from but again, I did n't apply for a home then and I never have apllied for or received a home loan. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Experian reports an account under the name ( XXXX XXXX ) inaccurately. 

Wrong name & address a violation of FCRA rules section 1681 Inaccurate account balance, a violation of FCRA rules Inconsistent reporting with the two major reporting agencies, a violation of FCRA rules Inaccurate payment history, a violation Misleading date of last activity, a violation Inaccurate date of last payment, a violation of FCRA rules.

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 2020-08-06
Company: EQUIFAX, INC.
State: IN
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 XXXX I checked my credit report and notice I had a inquiry on my credit report that I did not authorized or recognize. The inquiry was from a company name XXXX XXXX inquiry date was on XX/XX/2020 there address XXXX XXXX XXXX XXXX, MD XXXX Phone XXXX toll free XXXX. On XX/XX/2020 I contact Equifax to dispute the this inquiry and ask it to be removed off my credit report. Equifax stated they could not remove and to call XXXX XXXX. I call XXXX XXXX and XXXX XXXX told me to call Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am being denied credit because of some information that is no longer correct. 
Case or ID # XXXX Chapter XXXX was discharged on XXXX XXXX 2015. This is still showing up as being filed and needs to be listed as discharged. This is causing issues on my end. Please correct this asap. Thank you .... 
DOCKET # XXXX -- this needs to be removed. it is more than 8 years old ... deleteDOCKET # XXXX -- Needs to be deleted ... I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2022 my online backing was hacked into and removed funds from my savings account. The total amount that was removed was {$1700.00} dollars. I filed a fraud claim and received a letter from the mail 2 weeks after in response my claim was denied. I did not authorization this transaction, my account was hacked.

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 2017-09-08
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:
Equifax has confirmed that my personal information has likely been leaked, along with millions of others via their website http : XXXX They have mishandled my information causing a potential identity theft situation. This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I initiated an online deposit of $ XXXX on XX/XX/20 from another bank 's checking account to the Bank Of America account where we do bill pay from via online banking. After receiving confirmation from the bank that the funds will be available for payment the following day on XX/XX/20, I initiated a bill pay of {$9500.00} for a XXXX credit card bill for XX/XX/20. The XXXX XXXX payment was not due on XX/XX/20 but I like to make my payments several days in advance to ensure that payments are credited by the due date. 

When I went online to the Bank of America account tonight to confirm all the transactions, the status of the deposit was changed to a HOLD until XX/XX/20. At the same time, Bank of America changed the status of the bill pay from scheduled for payment on XX/XX/20 to " in processing ''. I immediately called Bank of America to either delay the bill pay so that it will go out after the funds became available at a later date of XX/XX/20. I was told that because the bill pay was done via online banking and was in process, they couldn't do anything. 

Bank of America couldn't properly explain why they put a hold on the check, aside from some excuse about there were exceptions at times because of large amounts. When I asked to speak to the manager,  XXXX who came on the line as the manager appeared to do some checking, told me that he couldn't do anything with regard to Bill Pay as that was a separate department, immediately forwarded my call to the Bill pay department, whose agent told me that she couldn't do anything because the payment was in process. I told her I wanted to cancel the scheduled bill payment as it wasn't suppose to go out until XX/XX/20. She indicated that because it was in process on XX/XX/XXXX, there was nothing that she can do. I was advised to callXX/XX/XXXXand tell them to return the money that B of A was sending which would have triggered me paying a fee to do so. 

Bottom line, Bank of America left me with zero options but left themselves with the ability to trigger late and return fees. All under the excuse that because all the transactions were completed via Online Banking, they could not do anything to either stop or change the transactions. This was not the first time that they performed this insidious type of financial shenanigan in my account. However, this time, was the last straw. 

I am filing this complaint because I'm sure I am not the only person that this type of criminal action has been taken against. I have taken screen shots of the data as it transpired in the Bank of America 's Online banking APP.

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 2022-02-22
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 {$2500.00} dollars were stolen from my account at COINBASE.COM I called the company immediately but they never answer and only communicate via email, they have no security or protection and guarantees for investors they do not want to accept any responsibility. And they say that when an unauthorized transaction is made it is irreversible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan in XXXX which was sold to XXXX XXXX and apparently paid off in XXXX. This new servicing company called Select Portfolio Servicing , Inc. ( SPS ) is again attempting to collect on a paid off loan. I have sent them the attached information and they have failed to reply.

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