BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I made an international transfer using moneygram company on XXXX of XXXX and expected date ( on their service websote ) was XXXX of XXXX and now its XXXX of XXXX and i didnt get my money ( i made transfer to myself using my creditcard ). 

everytine i call ( international call from XXXX to XXXX no. costs alot of euros ) and only hear : " sorry, we are investigating '' I need this money for apartment rent here in XXXX where i live and work and moneygram issues is not my issue and they dont even call, just sending mail saying sorry, still investigating. 


Details about moneygram transfer : - reference no. for tansaction tracking used by moneygram : XXXX - Sender and receiver fullname : XXXX XXXX XXXX XXXX- my bank account IBAN : XXXX - escalation/investigation case no. : Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
Dear Sir/Madam, I am writing to dispute the duplicate debt collection account associated with account number [ XXXX ] in the amount of {$1800.00} that Midland Credit Management is attempting to collect. Said debt has been reported as a charge off but the original creditor while also posting as a collection to my credit report. I believe this action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 623 ( a ) ( 2 ), a debt can not be reported more than once for the same delinquency. I have identified two separate entries on my credit report from Midland Credit Management ( comenity capital Bank ) for the same debt, which is a clear violation of this provision. 

I request that you investigate this matter immediately and take corrective actions to remove the duplicate entry from my credit reports. Furthermore, I insist that you provide written confirmation within 30 days that the duplicate entry has been removed, and that you have taken steps to prevent similar violations in the future. 

Failure to rectify this situation may result in legal action to enforce my rights under the FCRA. I trust that Midland Credit Management will handle this matter promptly and in compliance with the law. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: MD
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:
My rights have been violated as a consumer. I sent multiple letters off to XXXX, Equifax XXXX XXXX about this matter and nobody is doing anything about it. The last letter I sent to all three reporting agencies was XX/XX/2023. I was disputing incorrect information that was put on my credit without my consent continuously and repeatedly. All of this without my consent. I never got a letter. If I did it was dated 30 or more day before I received it. So, I wrote dispute letters to XXXX, Equifax XXXX XXXX using the following laws. 15 US Code 1681 b, 15 US Code 1681 c-1 & 15 US Code 1681 c-2. They won't correct the misspelled names or addresses or respect the law. Please help me this is becoming a big inconvenience because I am trying to buy a home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX Binance U.S. 
Operated by BAM Trading Services Inc . 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX. 

Complaint against Binance US On XX/XX/XXXX I notified Binance that I had suspicion that there was fraud present on my account. Binance does not offer any kind of human chat or telephone correspondence. I followed their instructions to file a ticket as they call it. Please see below the number of tickets I generated and the response I have gotten. 

XX/XX/XXXX Original ticket, receipt of acknowledgement XX/XX/XXXX follow up ticket, receipt and notifying me the more tickets I generate the longer the process will take. 
XX/XX/XXXX third ticket requesting them to unlock my account. This ticket was followed up by an electronic response of acknowledgment of receiving the ticket. 
XX/XX/XXXX I tried to gain access to my account by resetting the password but with their block it was unsuccessful. 
XX/XX/XXXX another ticket generated to see if they would at least let me have access to the account. 
XX/XX/XXXX XXXX ticket asking them to just unlock my account so I could get my money and simply close the account. 

Unfortunately, I cant even provide you with an account number as the block they have put on the account will not let me access that information. 


At this point all I want is my money back from my account. At the time they locked my account there was approximately XXXX available. 

Should you have any questions please do not hesitate me immediately. 

Thanks in advance. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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.

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 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 XXXXXXXX has violated my rights. Or list of inquiries 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 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 2023-07-13
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$0.00}.

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 2023-08-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited {$800.00} in cash of XXXX {$20.00} bills the machine turned off, recycled and then turned back on showing right now this atm can not operate on XX/XX/2023 XXXX ; XXXX ; XXXX XXXX  at the XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX, I called the number on the atm and took pictures of the atm, spoke with XXXX at XXXX received a claim number XXXX and them was transferred to another agent and was told the funds would be available until an investigation was completed, then i was informed of a fee reversal. I asked if they could review the video of my transaction and was told they could not. Chase atm stole my {$800.00} cash deposit. Please advise. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: WA
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: Other problem getting your report or credit score

Complaint:
****This will probably be your MOST MAJOR case out of all your investigations and this should be elevated to the highest levels at CFPB.

The synopsis is this : The credit reporting agencies are committing a fraud on the public AND must be investigated by CFPB and this issue must be disclosed to Congress. The credit reporting agencies are selling credit products to the public and providing FALSE credit scores paid for by consumers, yet, at the same time, these same credit reporting agencies are providing a completely different product to lending institutions which list completely different credit scores. So, bottom line, the credit reporting agencies are providing two sets of credit scores - one for the public and one for business. There should ONLY BE ONE uniform credit score. The question becomes, which credit scores are real and which are fake? Can the credit bureaus sell fake information and pass it off as real?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 1234, 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 not furnish a account without my written instructions. 

Fraudulent Inquiries : XXXX XXXX XXXXXXXX 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

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 2023-08-10
Company: FC HoldCo LLC
State: MO
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:
My XXXX XXXX was repossessed on XX/XX/XXXX with out any notice from Flagship. I never got any notification in writing, with emails, or by phone. When they did call they did not leave a message. My husband is on the loan as a co-signer and he was not notified either. When I go onto my online account it says nothing about it being repossessed and or having to make a payment by a certain date. It states that I have until XX/XX/XXXX to make a payment. So now I am left with out a vehicle and no way to work or to get anywhere.

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 2023-01-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent the credit bureau 's letters asking them to verify the debt on my report. They have sent it back that everything is verified correctly. My credit report is still showing inaccuracies.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 consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
See complaint ID XXXX I submitted last month. 

XXXX says that the account went negative on XX/XX/23 and the loan was finalized on XX/XX/23 and they " respecfully disagree '' that any conversation regarding adding the negative amount on to the loan took place. That was it. THIS IS WHAT THE WHOLE COMPLAINT IS BASED OFF OF. 

They have still withheld which employee it was that gave me false information. They also have no produced any phone records that would CLEARLY show which one of us is correct. I feel like these two reason alone is pretty telling. I have asked for this information on multiple different occasions. 

Also in their response they say they attempted to contact me, but could'nt leave a voicemail? I got those messages they sent me but I thought it was in regards to the loan payment! Both very vague messages like " call us when you can '' so when I did call, all that was discussed was the loan! They did not bring up the negative amount once!!!! 

How am I supposed to know that its negative when I am originally told that the account are closed and when I do call in they made no mention of it! 

Their response was baseless, incorrect and insulting. They still did not produce any evidence that they are correct except saying they " respectfully disagree ''.

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 2023-06-13
Company: EQUIFAX, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-09-28
Company: Incomm Holdings Inc.
State: IL
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a gift card from a friend worth {$350.00} and when I opened the card 4 out of 16 digits were erased on the card. I had received a gift receipt for the transaction as well. I contacted XXXX where the card was purchased from and they reached out to Vanilla Gift Card who is the issuer of the gift card but they could not help with it. I tried to contact Vanilla Gift Card and they are saying that they can not help with missing numbers on the card. This is really disappointing since this is their fault and they are not owning upto it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX, XXXXXXXX XXXX  XXXX XXXX  multiple times to dispute these incorrect accounts. I have also disputed them via the 3 credit bureaus multiple times most recently in XX/XX/2023 with no response. These items are detrimental to me providing for my family and my financial well being. I have also asked for my name to be corrected there are several names listed and none of them correct which if they would get back to me they would know these are incorrect accounts just based on the incorrect name alone. Per 15 usc code 1681 they are violating my writes as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2023 I applied online to open a new checking account with PenFed which includes a credit check. After the credit check was completed the very same day I received an e mail from PenFed about loading supporting documents. I went ahead a followed the procedure to upload the documents and after I was done I received a notification to allow 3 to 5 business days to process. On XX/XX/XXXX I got another e mail to upload my documents which I did and did not think nothing of it. On XX/XX/XXXX I got another e mail to upload my documents. Again I did as requested and received a confirmation e mail. Today XX/XX/XXXX I mailed them asking for an update and they claim they can can not find my documents or files. Please investigate. I have all the e mails that I received from them if you need them. It is very concerning that they can not locate my personal documents.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I recently reviewed my credit report and reached out to credit bureau to advise of incorrect accounts on my report. I provided them that dates and information are inaccurate and not my accounts and requested for accounts to be removed. Also, requested documentation on accounts. Not only were accounts not removed but they didn't send any information to confirm how investigation was completed and how they determined accounts were accurate. The deliberately are breaking the law and these accounts are inaccurate and need to be removed asap.

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 2023-09-28
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I had a loan with one main and was charged more interest on add on features. I wanted those taken off and they were not. The loan has now been paid off but the interest for those add ons was unnecessary and caused an increase in payment monthly and with higher interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It's with XXXX. This has gone on for almost 4 years now. I was getting money taken out of my checking account by XXXX. They were not mine. I went to my bank and all the fraudulent ones had weird names through XXXX on them. So my bank and I and XXXX had a 3 way phone call, my bank would tell them the name and the amount of money and everyone of them XXXX would come back a say fraudulent. But I never received any of the money back and my bank told me that since most of them were over 60 days that could not refund my money. I had a heck of a time with XXXX. They turned it over to XXXXXXXX XXXX, who turned it over to Portfolio Recovery Associates , LLC. This whole thing has been a nightmare for me. I lost my husband so I have been dealing with that and dealing with this. I don't understand how someone could just say that you owe them money and they find someone to get it from you and ( Portfolio Recovery ) doesn't even care to look into it to see if it's true or not. They just come after you and they don't care why. 
XXXX XXXX

Company response to consumer: Closed with explanation