BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
*Initiated a transfer of {$50000.00} USD to the account of a friend in XXXX XXXX XX/XX/XXXX via Transferwise. 
*While the transferwise website indicated that the transfer was complete after 3 days the money did not arrive in my friend 's account *Upon contacting Transferwise, they indicated that the money was being held by their intermediary agent in XXXX was requesting additional documentation on the reason for the transfer. The transfer was to cover costs associated with our construction of a family home so we provided our land title and info regarding the source of funds. 
*After many inquiries and approximately 10 days delay, we received a notification from Transferwise that the money was rejected and returned. The website requested routing and account info to transfer the money back to me. At this time I provided info for the exact same XXXX brokerage account from which the original transfer came. 
*After several days the money did not arrive in the XXXX account and upon inquiring again with Transferwise, I was told that they can not transfer to a brokerage account. 
*Subsequently I provided them information for a bank savings account under my name. 
*I then received a request for documents showing from where the original funds came from, so I provided that even though there own records should have shown that it came from XXXX XXXX 
*Now 3 days have passed and I have bot received the funds back into my XXXX account and customer service is now longer responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the court which has been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last 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 explanation
Consumer complaint received 2021-08-11
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: Account status incorrect

Complaint:
I sent letters to TransUnion Credit Bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts that are still reporting on my Credit Report : XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/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 explanation
Consumer complaint received 2017-10-10
Company: WILSON & ASSOCIATES, PLLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The property mortgage is in XXXX XXXX XXXX who is my deceased mom I am currently residing in the property and I want to maintain ownership of my moms house. I 've submitted several modification request to the current mortgage company after being unsuccessful with them not processing my request a property foreclosure sale date was set for XXXX/XXXX/XXXX. I contacted an attorney and he filed a injunction with chancery court of XXXX XXXX XXXX/XXXX/XXXX. XXXX and XXXX the foreclosure attorney moved forward with the foreclosure XXXX/XXXX/XXXX even though I had a signed order from the court not to foreclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: General Motors Financial Company, Inc.
State: OH
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:
My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX GM Financial - 2 applications on same day! 
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my home was last transferred to Bayview. the last company was XXXX, and was in the process a loan mod. i sent them my documents and they still transferred my loan. i lost my job, business, and had nervous break down. i am now trying to work on a loan mod to save my home. i am better and have means of paying an affordable payment with the rightful for party

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon, I recently checked my credit score through XXXX  and became aware of an account I did not recognize. 
XXXX  reported that I owe {$1700.00} to Midland Credit Management. 
I called Midland Credit Management and informed me that I had an account with XXXX XXXX  XXXX through XXXX XXXX and that they were a collection agency. 
I told the person I spoke to, that I have never opened an account at XXXX XXXX  XXXX therefore I do not recognize this charge and to please remove it immediately from my credit report. This person told me that I had to contact the law firm handling the case and refuse to provide me more information. 
It seems someone XXXX have opened a fraudulent account using my name at Bass XXXX XXXX and I was not aware of it. 
Thank you for your help. 
Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XXXX 2016 while shopping in Macy 's the cashier offered me to open a n XXXX XXXX Macy 's credit card. I accepted and has been approved. The cashier gave me a temporary pass and said that the new card will come in a week. Unfortunally, the cashier did not verified my address which has been changed in the last two years. I never received a card nor a statement. Because of this I missed the payments. I was contacted by debt collector, then I called XXXX Macy 's customer service and explained what happened. They changed my address and sent a new statement with Fees listed. I called the company many times explaining that the late payments were not my fault, I paid in full the balance of the goods I purchased and I am still am harassed by the bills every month, and they did never send me a credit card. I would appreciate the help in this issue. 
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 monetary relief
Consumer complaint received 2017-08-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has consistently verified and reinserted the following accounts on my Equifax credit report. Case # XXXX Case # XXXX The above mentioned accounts were deleted on XXXX XXXX 2016, Equifax confirmation number XXXX. I am demanding that Equifax delete above mentioned cases from my file. I am not asking Equifax not to reinvestigate so they can stall for another 30 days. I have contacted XXXX County Courthouse to speak to them about this matter and they stated they have no recollection or knowledge of Equifax performing an investigation. If these accounts are not deleted, I will pursue any legal remedy at my disposal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received credit alert from my XXXX account that there was an inquiry into my credit for Kohls department store credit card. I did not do this. I called Kohls and they confirmed that someone applied to a credit card using my information but with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( not my address ). I asked Kohls to cancel the card and start a Fraud inquiry. 
I then checked my credit report on XXXX and found this same address was listed for me. I did ask for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
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: Credit inquiries on your report that you don't recognize

Complaint:
Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/XXXX. Secondly, XXXX is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my XXXX report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXX XXXX/XXXX/XXXX, # 2- XXXX XXXX/XXXX/XXXX, # 3-XXXX XXXX XXXX XXXX/XXXX/XXXX, # 4- XXXX XXXX XXXX  XXXX/XXXX/XXXX, # 5- XXXX XXXX XXXX/XXXX/XXXX, # 6- XXXX XXXX XXXX/XXXX/XXXX, # 7XXXX XXXX XXXX XXXX/XXXX/XXXX, # 8- XXXX XXXX XXXX/XXXX/XXXX, # 9- XXXX XXXX XXXX/XXXX/XXXX, # 10-XXXX XXXX XXXX/XXXX/XXXX, # 11XXXX XXXX XXXX/XXXX/XXXX, # 12- XXXX XXXX/XXXX/XXXX, # 13- 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 explanation
Consumer complaint received 2017-08-14
Company: ALLY FINANCIAL INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a truck in XX/XX/XXXX. I bought it thru a dealership, the int. was high even tho I had good credit rating. The finance person assured me repeatedly that I would be able to lower the payment within a year. That was a flat out lie. They sold the contract. The company that purchased it did a terrible job with how they applied the int to the loan taking way more than they should have each month. I stopped making payments until they corrected this situation. They never did. Instead they put two payments to the rear of the loan to get me caught up, I made a double payment, all of which went to int. except a small amount. The credit report constantly shows me late, when in XXXX I caught up and stayed current. they even admitted they missed one of my payments. they wont correct it. very damaging. and still they want thousands more in interest money than they should be getting. the correct amount should be {$13000.00}. they have it as XXXX, and I have paid well over 15,000 with more expected. I have argued til I am blue in the face. they just wont listen to reason. I show I have 8 payments left, they are demanding 12. I refuse to give in to them. I just want this done. I may not have been perfect on this loan, but it is paid and I can pay it off today, if they would come to a real number, and that would be 6 months ahead of schedule.

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 2021-08-11
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Yes I have already called you guys and talked about a recent frad activity but why am i seeing a charge back? is there some sort of mistakes? for this transaction? Posted Transactions XX/XX/21 XX/XX/21 XXXX XXXX XXXX # XXXX {$290.00} this is not mine transaction

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 2021-08-12
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Because of the pandemic I have been unemployed for an extended period of time and the company A.E.S. does not follow the President and Congress ' guidelines for a moratorium on payments and interest. The current moratorium is until XX/XX/2022. The continue to list my account as past due for more than 30 days as this is XX/XX/XXXX and before the President extended payments due was to start on XX/XX/XXXX. None of this makes any sense. They do not respond and if they do it is an unpleasant experience. I have just recently been a victim of identity theft and am working hard to straighten out my credit reports. This loan company has added almost {$100000.00} to the principle of my loans and I am XXXX years old about to retire, there is no way I will ever be able to pay this off. This report makes it impossible for me to get a credit card or to buy anything. If they would just follow the government 's guidelines it would be so much easier. There is almost nothing about their report that is accurate. The State of Louisiana has ended the Pandemic Unemployment benefits early thus making it impossible for thousands of people to pay their bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
I submitted a dispute last month as well as this month in regards to my account with Portfolio recovery I do not agree with the charges and it said it came back verified. This was a secured credit card meaning I self funded it. I increased my limit and the amount due should never been more than the credit limit. I advised XXXX XXXX when the charges originally posted that it was invalid they said they would dispute with the company and next thing I know it was sent to collections for the full balance. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have USAA as my automobile insurance carrier. I had full coverage with vehicle reimbursement up until late 2018. A transaction happened with my ex wife 's vehicle and my vehicle reimbursement was removed without my authorization or my knowledge. USAA records all phone calls, but they can't locate a recording of when my vehicle reimbursement was removed from my policy. I had an accident and USAA has refused to pay for rental reimbursement on my policy like they are obligated to do so. They state that the policy reflects that I don't have rental reimbursement and that's the proof that they have, even though they record all calls, they fail to provide me a phone call recording which took place, but they state that I don't have it, even though I never removed vehicle reimbursement from my policy and I never authorized anyone to remove it. USAA is commiting illegal procedures against it's veteran customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
It appears that an old student loan that I have received confirmation from the original creditor was marked as a paid keeps being resold and I keep having the issue reported on my credit reports. I disputed the validity through the credit reporting agency but the debt collector reported the date was valid. I sent a certified letter to most recent debt collector Weltman Weinberg Reis on XX/XX/2017 requesting information about the alleged debt. They have not replied to my letter and the entries are still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XX/XX/XXXX. Secondly, TRANSUNION is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my transunion report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXXXX/XX/XXXX, # 2- XXXX  XX/XX/XXXX, # 3-XXXX XXXX XXXX XX/XX/XXXX, # 4- XXXX XXXX XXXX   XX/XX/XXXX, # 5- XXXX XXXXXX/XX/XXXX # 6- XXXX XXXX XX/XX/XXXX # 7- XXXX XXXXXX/XX/XXXX, # 8- XXXX XXXX  XX/XX/XXXX, # 9- XXXX XXXX XX/XX/XXXX # 10-XXXX XXXX XX/XX/XXXX, # 11-XXXX XXXXXX/XX/XXXX, # 12- XXXXXX/XX/XXXX, # 13- XXXXXX/XX/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