BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Reference previous complaint XXXX where your company did an investigation and said to me it is ok to open a New online account. Well again I spent half the day trying to use my new online account only to be told I could not use it. I spoke with supervisors even sent them your letter saying to open a new account. Very rude and was told if I did not like it to make another complaint. Makes me wonder if you said to open a new online account so CFPB would close my complaint? 

STATUS Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2023 CFPB Case Number XXXX MoneyGram Number XXXX Dear XXXX XXXX XXXX MoneyGram has completed the review of your case submitted to the Consumer Financial Protection Bureaus online portal on XX/XX/2023. In the CFPBs Complaint Portal, you indicated that your online account had been closed and requested that it be re-opened. Please be advised that, in order to protect the safety of our customers and ensure compliance with all requirements, MoneyGram actively reviews online profiles and will, from time to time, put restrictions in place to safeguard consumers. We are sorry for any inconvenience that may have been caused due to this occurrence. After investigation, we would like to advise you to create a new online profile in order to continue sending transactions. Please contact us if you encounter any issues when sending using the new account. If you have any questions, you may contact us directly by e-mailing us at XXXX or calling us at XXXX. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence. Sincerely, MoneyGram International Resolution Assurance Department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: HYUNDAI CAPITAL AMERICA
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a Kia XXXX for 3 years, and returned it at the end of the lease on XX/XX/XXXX. 

I received on XX/XX/XXXX an invoice from Kia XXXX for {$2100.00} for the Excess Wear etc. I am not disputing that. 

I sent XXXX XXXX a check on XX/XX/XXXX. 

On XX/XX/XXXX I sent a follow-up letter asking if the check had been received. I did not receive a reply. 

I called on XX/XX/XXXX, and was told the check had not arrived. I immediately paid {$1000.00} by credit card. 

On XX/XX/XXXX I called Kia Finance again and paid by credit card the balance of {$1100.00} Subsequently I went to a Kia dealer to lease a new car, but was told that my credit report showed a delinquent payment to Kia, which reduced my credit rating by 100 points which meant that I was now not eligible to lease or purchase a car.

I write twice to Kia Finance apologizing for my late payment, but I said I honestly do not feel it was entirely my fault. I explained that my payment was late, but I had not realized my payment had not been received in time. I asked them if they could review my case, with a view to restoring my credit rating so I could go ahead and lease/purchase another Kia. They said they were not prepared to change their decision, and the delinquent payment would remain on my credit report. 

Thank you, 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 2021-07-08
Company: Santander Consumer USA Holdings Inc.
State: NH
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 received my credit report and noticed a number of Violations involving Santander reporting and need account removed from all three data furnishers immediately. 

Santander is reporting incomplete informatiion across the board to credit bureaus They were involved in class action lawsuit for predatory lending practices in which I was affected. As well as CFPB ordered the Financial instituion to report accurately therefore need to cease and desist collection efforts as each violation as a consumer im entitled to up to {$1000.00} per violation per FCRA and FDCPA below i attached the class action lawsuit. article published by CFPB that implies santander knowily reported incomplete info to CRA 's as well how it is being reported to XXXX  and XXXX  on my report. 
I am a victim of preadatory lending practices I find this account Violates, TILA, FCRA and FDCPA. 

Under Law any form of fraud voids contracts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: In progress
Consumer complaint received 2021-07-08
Company: Coinbase, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is regarding our crypto trading account on Coinbase ( Pro ) : XX/XX/XXXX : I initiated a deposit of {$3000.00} from our savings account at XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : I got notified from XXXX XXXX XXXX XXXX that an attempt to withdraw {$3000.00} failed with a {$35.00} charge. I deduce Coinbase tried to get the money from XXXX XXXX XXXX XXXX account, due to insufficient funds the {$3000.00} transaction were denied ( bounced ). 
XX/XX/XXXX : I got an email with a link to try again. Ensuring that there were sufficient funds, I transferred the {$3000.00} using the link with the email. 
This transfer was successful. I got an email saying " Funds recovery complete. We have successfully collected the funds from your recent failed transfer. '' XX/XX/XXXX : I got a notification from XXXX XXXX XXXX XXXX that there was a pull that failed and I would be charged {$35.00} again. I deduce that for some reason, again Coinbase tried to get the money from XXXX XXXX XXXX XXXX account. 

XX/XX/XXXX : At XXXX XXXX  I got an email with a link to try again, saying that it was our {$3000.00} request from XX/XX/XXXX that did not work. From the screen shot it shows that at XXXX ..., XXXX withdrawals of {$3000.00} were taken out of our account and one withdrawal of crypto currency of {$3300.00}. At XXXX XXXX  I got an email saying " Funds recovery complete. We have successfully collected the funds from your recent failed transfer. '' I realized the above happenings of XX/XX/XXXX after I logged into my Coinbase account a few hours later and noticed the big drop in portfolio. And also that a new bank account ( XXXX ) had been added to my account without the necessary 2-factor authorization. I removed it and then immediately contacted Coinbase and asked if my account had been hacked. They sent me through their standard procedure of verification. I did all the verification and found that nothing of mine had been hacked. I observed the emails received from Coinbase on XX/XX/XXXX ( {$3000.00} ) amount and the withdrawals from our account all {$3000.00} amounts. I then inquired with Coinbase whether was it possible that these withdrawals were made in error by Coinbase. My account was then frozen and since then no response to repeated requests have been answered. The 6 withdrawals have not been returned, nor do we have access to our account. Dozens of email requests, complaints, tickets, ... have had no response. On XX/XX/XXXX my portfolio prior to the withdrawals had approx {$42000.00}. 
I also submitted a complaint directly to Coinbase on XX/XX/XXXX. On XXXX they said they would need an additional 20 days to look into this. 

Appreciate any help you can provide to resolve this matter. We have been helpless for over a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has violated my consumer protection laws. I am a federally protected consumer. They are saying that I owe them a debt which is false and they are reporting my personal information to the consumer reporting agencies without my consent. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ).

Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit.

Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Affirm Holdings, Inc
State: CT
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:
These accounts from Affirm are fraudulent accounts and are not mine. Please remove ALL fraudulent accounts listed from my credit report. Accounts to be removed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I submitted a payment in full for an account administered by Synchrony Financial for a 0 % APR loan from XXXX ( a company that sells musical instruments ). My account was marked " closed. '' However, I noticed in XXXX that I was still being charged monthly for the account, even though it said it was closed. I contacted customer service and was assured that the account was closed and I was no longer being charged. Today ( XX/XX/XXXX ) I noticed that I have in fact been charged monthly since XXXX, even though the account continues to be marked " closed. '' I contacted customer service today, and they informed me that my payment on XX/XX/XXXX had been rejected. Therefore, they had raised my APR to 29.99 % and begun charging me monthly minimum payments at that rate since then. I was never informed of this decision, and in fact was even reassured by customer service. I also did not agree to make automatic minimum payments on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: JPMORGAN CHASE & CO.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I had my wallet stolen on XX/XX/18 and the person went to several restaurants and a store and a gas station and spent over XXXX dollars. Chase originally refunded me and then almost a month later they charged my account back again. 

1XXXX XXXX XXXX XXXXXXXX {$100.00} 2.XXXXXXXX XXXX XXXX  {$200.00} 3.XXXX XXXX XXXX  {$48.00} 4.XXXX XXXX {$130.00} 5.XXXXXXXX XXXX XXXX {$80.00} 6.XXXXXXXX XXXX {$23.00} 7.XXXX XXXX {$13.00} 8.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Target Card Services provides an option for payment arrangements if you are going through a financial hardship. They say its written in a disclosure provided that it will still charge late fees. However there is no verbal disclosure of the this fee when making the arrangements. The issue here is that it is highly deceptive and financially impacts the consumer in a negative way. My payment arrangements were set to XXXX dollars for XXXX months, I wasnt disclosed this payment wouldnt cover my minimum payments or that it would lead to XXXX dollar late payments for all the months of the payment arrangements. Thats a difference if XXXX dollars that doesnt even make it toward the principle or help me get back on track as they glorified it would. In addition to that, after making payment arrangements I received at least XXXX calls a day reminding me the make the arranged payment amount and every call answered still no one disclosed that I would still be assessed a late fee. Finally, after seeing the late fee on my statement puzzled because Ive been making the payment of my arrangements, speak to a representative and they cant even try to remove my late fees until they receive a minimum payment of XXXX dollars in addition to the payment arrangement payment made just XXXX days prior. This is not fair to any consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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 U.S.C 1681. 

XXXX XXXX XXXX XXXX ( personal loan payment ) has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information 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 15 U.S.C 1666 B my late payment was in fact a billing era

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
2 separate accounts we have with merchant for 2 separate businesses were shut down with no notice and reversed all transactions.

There is no phone support for merchant.

Online merchant support says will respond in 2 business days. Its been over 3 weeks with zero response.

Additionally nearly 100 % of our payees have faced similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Data Mortgage Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I deferred XXXX mortgage payments in 2021 due to financial hardship caused by the pandemic. My mortgage payment at the time was roughly {$1200.00}, so the total amount deferred was around {$3600.00}. The terms of the loan were rewritten, and I was to repay the deferred payments at the end of the loan. 

I am not in the process of selling my home. I received my seller 's statement, and noticed numerous payoffs, most of which I was aware of, but XXXX in the amount of {$29000.00} that I was not aware of. I called my mortgage company, Essex Mortgage XXXX XXXX, California, and was told that this was related to the deferred payments in 2021. I was also told that since the payoff was through HUD that I would need to contact them for further information. When I contacted HUD, I was told that Essex Mortgage would have filed a claim for a specified dollar amount determined by them ( Essex Mortgage ) to cover the missed mortgage payments, therefore I needed to reach out to them for further information. I contacted Essex Mortgage again, and when I requested documentation of the {$29000.00}, how it was allocated, and a copy of the promissory note, they stated that they did not have any record of the information on file. 

I close on my house today, and now I don't know if I am able to pursue this issue any further, and I don't know if I am paying {$25000.00} that I did not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: MS
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've contacted XXXX, XXXX, and Equifax  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/2021 I SENT SOUTHWEST CREDIT A LETTER OF VALIDATION FOR A DEBT OWED. I SPECIFICALLY ASKED THIS COMPANY TO PLEASE SEND ME A CONTRACT BETWEEN MYSELF AND THEM AS A CONSUMER. I ALSO THEM FOR THE FOLLOWING What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable : Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service : THIS COMPANY PROCEEDED TO SEND ME A COPY OF A BILLING STATEMENT. A BILLING STATEMENT IS NOT A FORM OF VALIDATION NOR IS IT A BINDING CONTRACT.

Company response to consumer: Closed with explanation