BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: TransferWise Ltd
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My checking and savings accounts were compromised with multiple transactions being debited to the Wise company. I was able to contact my bank and stop some of the transactions, but some were still processed and the bank was unable to address it. I contacted the Wise company multiple times. I was unable to access Wise online and when I called them they told me the account had been closed. I was instructed to submit an appeal online, which had to be done through an email link since I didn't have an account to submit it through their appeals process through their website. I received confirmation via email that it had been received and was told it would take up to 20 business days for the case to be addressed. I received this confirmation on XX/XX/2023. I called again after the given time frame and was given the appeal number and was told they would escalate the case. As of XX/XX/2023 I had still not received any correspondence. I called again today ( XX/XX/XXXX ) and was told I had not submitted the appeal properly since I did not use the link -- mind you, I CAN NOT ACCESS THE LINK ) -- and was told I needed to resubmit and it would take up to 30+ business days for this to be addressed. The money being held up in that account is having a severe impact on me, my family, my financials, and my livelihood. The customer service has been poor and reaction times have been atrocious. The amount that I believe is in the account is {$650.00}, although it is difficult to confirm since I am unable to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXXXXXX XXXX  XXXX ACCT # XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXXXXXX ACCT XXXX XXXX These accounts have violated my rights.

15 USC 1681 Section 602 A. 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 an account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-21
Company: KEYCORP
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX a month taken from my account. Changed debit card. Did not help. So closed account to stop the theft. Then got a {$350.00} bill. I should not have a bill over theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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:
Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$840.00}, XXXX XXXX XXXX XXXX Owed : {$7500.00}, XXXX XXXX XXXX Balance Owed : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-19
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, during the months of XXXX XXXX XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before deploying I asked for SCRA benefits at all various credit card companies I had. Comenity at the time did not have an auto pay option at all in their portals for the XXXX XXXX or XXXX XXXX store credit cards. I told Comenity that during my XXXX I could go for awhile without access to Wifi or a computer meaning there was a chance I could miss a payment leading to a late payment. I had 2 late payments and those have negatively affected my credit score. I have tried calling Comenity to explain them about the situation again alongside filing a dispute with one of the 3 credit companies only for no fix to my credit being issued. I do not want something outside of my control to negatively hamper my credit score and remain on for 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EdFinancial Services
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: Account status incorrect

Complaint:
My account has been sold to a different bank Fed loans and Fed loans has sold it to XXXX Ive called multiple times ed financial with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to XXXX theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-25
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was backed up on 2 payments and kept in contact with the company and made a promise to pay. I had told them I would pay on the XXXX but payed on the XXXX of XXXX. I did not have enough funds to pay {$650.00} and paid {$520.00} towards my passed due balance. The payment processed on the XXXX of XXXX and did not think anything of it. I had also told them I was making another payment on the XXXX of XXXX but on the XXXX at XXXX my car was repossessed. I called the same day to see why they repossessed it and said I had to wait 24 hours to get info and what I had to pay. So I called back today XX/XX/23 and asked why it was repossessed after I had made a payment and was told because I was behind on payments. Even though I had already worked it out was going to make the payments and they received my first payment on the XXXX of XXXX they still sent out for my car to be repossessed on the XXXX of XXXX. Im not sure why they did not want to help me or repossessed my car if I was always in contact with them and let them know I would pay and actually made a payment and didnt let me make another payment without speaking to me. I dont believe this company should have repossessed my car if I had made a payment and was always in contact and was going to keep paying.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-29
Company: EQUIFAX, INC.
State: MO
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 been tryong to correct my XXXX XXXX from erroneous information and yet the Credit Bureaus have been negligent of their XXXX responsibility. The letter I sent to the Credit Bureaus last XX/XX/XXXX was to follow up any response from the Credit Bureaus after the 30 days of investigation. As I revived my Credit file, I have noticed that the Accounts previously disputed are reporting as inaccurate and incomplete in information. I am requesting the Credit Bureaus to please conduct another investigation to the following information and send me the notification that the disputed items have been updated or deleted. Here is the list of accounts and information that should be corrected or removed from my Credit File within the time allowed by law : XXXX XXXX Balance Owed : {$65.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed ; {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been banking with Chase at XXXX NJ location for 20 years- both checking and savings accounts. I received a call a couple of days ago, XX/XX/2023, from the bank notifying me that my savings account is inactive due to no activity for over 6 months even though I have an electronic monthly transfer from my checking to savings. I was told that it is not considered an activity. To reactivate the account, I have to go into the bank personally to do it. How stupid are these banks these days. I thought we are all moving towards the electronic era, instead we are moving backwards in terms of banking. This becomes a pain having to manually do transactions on the account periodically even though I have another account that is active and have active transactions ( eg ATM, Deposits and withdrawals ) Call up the bank manager and was told this is the New Jersey State law and this regulation has always been in place. If that's the case, I would have gotten notification on the savings account many years back. Is the bank trying to get their customers to personally go in and at the same time try to market their new products?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Dynamic Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX for my daughter on XXXX XXXX, XXXX. My health Insurance provider paid this medical bill in full in XX/XX/XXXX for the visit and the physicians. XXXX XXXX XXXX has sold this debt to XXXX different collection agencies. Those collection agencies were provided the proof that this medical bill has been paid in full by the health insurance provider XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Once again, I am being harassed by another collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 continues to furnish unauthorized fraudulent inaccurate inconsistent accounts on my Consumer Report. US Department of education accounts begin 5 years ago in Collections and go to OK recently following previous DISPUTES for Deletion of Inaccurate Private Adverse Information. 

DEPARTMENT OF Education Account # s # XXXX & # XXXX Shows multiple inaccurate incomplete inconsistent and excluded Private information FCRA Violations

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 2022-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identity theft ) Has Violated my rights. 
*15 U.S.C . 1681 Section 602 A. : States I have the rights to privacy.

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

*15 U.S.C . 1681c ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following. Any other item of information other than records of convictions of crimes which antedates the report by more than seven years.

*15 U.S.C . 1681 ( s ) 2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any credit reporting agency, if the person knows the information is inaccurate.

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 2023-05-28
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Transferred/Sold my account to Specialized Loan Servicing, which part of computer share group. 

In my attempt to communicate with such company it has failed. I am formally complaining about the following : 1. Mismanaged and appropriation of funds- When making a payment to my Principal Balance, it does not posted on the month when the deduction from my bank account happens. What that means is that they keep my money and when ever they feel like it they posted, which in turn my money is not working for me as every day counts. interest rate does not stop, in my case my mortgages interest is daily therefore my money is not working for me. A recalculation of funds should be done monthly and appropriate credits to account. 
2. They don't allowed for me to pay my home early- I tried paying my house bi-weekly, this did not work. although they were taking the money out my bank account, XXXX did not posted until the amount was due. Therefore it did not make sense to pay 2x month. This is different form making a principal balance payment. 
3. Making it hard to take PMI out- my house had doubled in price, they would not accept my request to removed it. the mortgage balance is halve of what the house is worth. 

I have made my payment on a timely manner from the moment they became my servicer, never have I been late. I must add getting through their auto attendant is a task as they make it impossible to talk to a live representative. the system hangs up on you if it does not like your answer, how about that.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: VA
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:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) original creditor XXXX XXXX ) ( XXXX XXXX XXXX ) original creditorXXXX XXXX XXXX  ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief