BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Paid XXXX dollars for each check cashed illegally to be researched. 

There was a total of 4. 

They were XXXX each but since lost because money gram refused to cash them, the replacement sent were XXXX. Then were stolen and cashed at XXXX XXXX. 

Totally not my fault. If they would have just cashed them in the beginning, we wouldn't be in this mess. 

They owe me my full amount. Including the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX credit card with XXXX XXXX  changing to XXXX XXXX credit card. My due date is XXXX each month. Upon paying for XX/XX/XXXX which is the day I get ssi. Their site was down XXXX  and XXXX, I tried calling them and no contact number worked. Including for XXXX XXXX car number. They charging late payment and and outrage interest rate in the 30 percent range. I would not have joined if I knew that the card is not XXXX. At the present there is still no way go contact them, other than online mail which I did. Now I am finding lots of consumer abuse and ignoring members. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: HYUNDAI CAPITAL AMERICA
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: Credit inquiries on your report that you don't recognize

Complaint:
Visit local car dealership Hyundai of XXXX XXXX NC gave permission to check my credit and I recently found out they ran it totaled of seven times.Five times on XX/XX/XXXX and once on XX/XX/XXXX call them after receiving letters from different financiaing companies and they reinsure me that they only check it once and the letters were advertisement who they are affiliate with Im seeing if I can dispute the hard Inquiries on my credit report from this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: GA
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:
XXXX, XXXX, & Equifax violated my rights as a consumer pursuant to 15 U.S. Code 1681b. I did not submit written consent to these agencies for them to furnish a report. These agencies can not provide me evidence of a written consent. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX via calling to get everything on the profile deleted. They ignored my request and told me they could not delete my account. I asked them to produce documentation showing my written consent and they said they have no evidence of my written consent but still would not delete the profile. I contacted XXXX on XX/XX/XXXX via calling and told them the laws they violated and the agent disconnected the call. I attempted to speak with Equifax but the call never connected me to an agent. As a consumer I feel extremely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE OR PURPOSE

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 2022-12-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I ask them about the fees and overdraft when this whole time I thought I had protection on my account and I keep getting overdraft fees. And random chargers I know nothing about.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried to request my credit report numerous times over the last 2-3 years and was unsuccessful until very recently. For one reason or another I was blocked completely and couldnt access my own credit report. I am having the same issue with several email accounts, unemployment insurance, and a variety of other very important personal information including my tax returns and IRS 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 non-monetary relief
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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, Everything has to be 100 % accurate on my credit report.

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal.

They violated my rights under the 15 U.S.C. 1681, Section 602 A states I have right to privacy.

15 U.S.C 1681 Section 604 also states that Consumer report agencies can not furnish my account without my permission.

They also violated my Hippa rights. 
I had no knowledge or consent of my medical info being disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XX/XX/XXXX, I opened a XXXX account at Wells Fargo bank with a bonus account offer and funded the account within 30 days over $ XXXX and maintained the balances throughout 90 days holding period which qualify me for earning the {$520.00} bonus offer that I was signed up for at account opening. I'm supposed to receive my account opening bonus within 30 days of earned which should be middle XXXX latest but as of today, after I raised several cases and made numerous phone calls and voice messages, no one from Wells Fargo has been able to help me. The worst thing is I'm unable to move the fund out of this account which only pay XX/XX/XXXX % APY as I need to keep this account open to receive the bonus and in order to avoid account maintenance fee, I have to leave the entire $ XXXX on this almost no interest-bearing savings account. 

What Wells Fargo does is unethical and is a violation of signed agreement as it stipulated on its advertisement. And since I raised a case in middle XXXX, no one has updated me about its status although I was told that the case should be reviewed and resolved within XXXX business days. By end of XXXX, I had to ask the banker to raise another case to executive office but still no response as of today.

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 2023-06-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX/ XXXX - Account # XXXX : has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't 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 items of information Any other adverse item of 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 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX Equifax and on XX/XX/XXXX XXXX reported that i had a missed payment from XXXX  XXXX XXXX  Which caused me to lose XXXX points. XXXX XXXX XXXX  has sent the proof that i never received any late payment but its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian investigation is wrong. XXXX  & XXXX  changed this information.I paid a loan off with XXXX XXXX in XX/XX/XXXX. They reported me as 30 days late in 2020. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.

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 2022-03-17
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, Everything has to be XXXX XXXX accurate on my credit report. 

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal. 

They violated my rights under the XXXX XXXX. XXXXXXXX XXXX XXXX XXXX states I have right to privacy. 
XXXX XXXX XXXX XXXX  XXXX also states that XXXX report agencies can not furnish my account without my permission. 

They also violated my XXXX rights. 
I had no knowledge or consent of my medical info being disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked LVNV FUNDING LLC. multiple times to provide me with validation of debt for this alleged account. They have failed to respond to me or provide me with anything that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: NCP Holdings, L.P.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked for proof of this debt because I know the social security number belonging to the loan doesn't belong to me. 

Therefore I am not responsible for this debt and would it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Information belongs to someone else

Complaint:
Reached out to company in regards to Equifax in regards to fraudulent account on report. Supplied documentation and opened dispute backed in XX/XX/2022. 
Account came back " verified '' without proof & verification of debt that i requested. 
Equifax failed to remove accounts which is a violation of my consumer rights. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Advantage Credit, Inc.
State: MI
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:
A relator from XXXX XXXX XXXX in XXXXXXXX MI  assured me that he would use a credit pull from a previous lender when I gave him my information, he then told me that he would not charge me to run my credit report and then he paid to run my credit report without my permission and then said I told you I wouldn't charge you. His name is XXXX XXXX this happened on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: T.S. Holdings
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account for XXXX XXXX  on my reports, and 2 separate collection firms have marked onto credit reports. 

They are I.q. data international for 2 amounts totaling {$10000.00} Also XXXX XXXX XXXX  is marking for same debt at {$11000.00} Neither firm has submitted proof of the debt owing, nor have they responded to requests showing an itemized list or pictures. And none of the credit bureau have removed collection as required by the FDCPA. 

I am appealing to you to have this removed immediately. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: LOBEL FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Company put a lien on me and additional cost of {$1200.00} towards court fees and additional interest than the balance of the vehicle that I am not entitled to pay which I originally owed was {$1800.00} now the fee is {$3100.00} which my cosigner passed away in 2016 that took a lot of financial responsibilities on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: MI
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : Account numberXXXX Date openedXXXX XXXXXXXX, XXXX Account typeCollectionName XXXX, XXXX. 
Address XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Account numberXXXX Date openedXXXX XXXX, XXXX Account typeCollectio Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) XXXX Account numbeXXXX Date openedXXXX XXXX, XXXX Account typeCollection ame XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right 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 items of information Any other adverse item of 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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TD BANK US HOLDING COMPANY
State: MD
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:
There were XXXX transactions totaling {$2400.00} on my account between XX/XX/XXXX and XX/XX/XXXX, using XXXX, XXXX, and XXXX. 

As soon as I found out those transactions I notified to the bank immediately and closed the card sent me a new one. 

After 2 month they denied my dispute. 

First the bank didnt notified me when they see all that crazy transaction, that called unusual transactions. 

Secondly, they let the fraudulent to use the account over the limit. Who does that? 

Third they messed up my credit for over usages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2019-10-16
Company: South Carolina Student Loan Corp
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a private XXXX 's Loan from SC XXXX XXXXs Student loan,   obtained when all funds were exhausted in XXXX while I was in College studying to become a XXXX. I moved out of SC and had been paying on the loan until losing employment. The loan was placed into either forbearance or Deferment sometime ago but when this expired, I called the private XXXX 's student loan, to request some assistance with making payments. 
Was told that there were no options, as this was not a normal/Federal Student loan. They would not even accept or approve my request for a Hardship consideration, and told me in XXXX, my loan was sold to a collection agency, and not to send any payments to them. 
XXXXWas just contacted yesterday via letter by SC private student loan , threatening to garnish any wages that I have or seize any taxes that our family receives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Google Compare Credit Cards Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is the second complaint I am filing for this issue as my first was closed final with no resolution or response other than " we'll get back to you. '' On XX/XX/2023, Google suspended my Google Payments account suddenly and without warning. This happened not long after I obtained XXXX status on their games account and earned over {$57.00} in rewards that I am now blocked from redeeming or using in any way. I am not able to buy anything using Googles payments service, which is basically anything owned by Google or any apps or games on their store. This prevents me from doing things I normally do all the time. I am also a paying monthly subscriber to some of their services, and I can not access or use some of the perks of being a subscriber even though they are gladly taking my monthly subscription fees. They asked me to fill out a form in order to verify something about my account. That form was asking for information regarding the last gift card I redeemed on my account including dollar amount of the gift card, where it was purchased, etc. I provided this information and later received an email about Google being unable to help me redeem the gift card. However, that is not the issue as the gift card was redeemed successfully and used. I was trying to lift the suspension on my account. I have been back and forth with customer service via live chat, email and phone calls for over a month and a half now and they are leading me in circles and directing me toward the same exact form I already filled out. I filled it out over XXXX times over the past month and a half as well with the same result. The customer service representatives state that they can not divulge any information about this due to privacy concerns even though I am the one affected, nor can they connect me to someone at Google that can help me fix this. I have no way of redeeming earned money in my account and I have no way of redeeming additional gift cards I purchased with my own money that I am still attempting to get refunds for. They have essentially stolen from me.

Company response to consumer: Closed with explanation