BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sent an {$840.00} money transfer through MoneyGram to my cousin in XXXX to address some urgent medical issues of a relative. The transaction was through the MoneyGram app and was intended to be deposited on the recipient 's mobile money wallet. However, the recipient never received the money. 

I called customer service on XX/XX/XXXX - immediately after being informed by the intended recipient that the money has not being received. MoneyGram told me that the intended phone number was not same as the number to which the transfer was made, but they would not give me the " supposed wrong number '' that my money was transferred to. 

My request at the time was very simple- and it was that, as a sender, i should have the right to know to whom my money was sent. Without that, I can not accept that there is an error in a transaction, as there is no evidence. Essentially, MoneyGram can decide to not send a transfer and then tell a customer there is an error without showing evidence to back that claim. This information is also not reflected on the receipt. The recipient 's name is on the receipt but not the mobile money number which is the unique identifier of the recipient. 

Moneygram claimed to have opened and investigation which was only going to be completed over a 90 day period, only to come back to tell me the following on XX/XX/XXXX : " After completing our investigation, we have determined that a mistake has not occurred. MoneyGram is satisfied that all necessary steps were taken to pay out your transaction to the account number provided by you at the time of send. Our records show the transaction has been correctly deposited to the intended receivers bank account number provided in Send Form. 

As MoneyGram has determined a problem has not occurred, we consider this matter closed. '' I do not accept the outcome of this as MoneyGram has not showed any evidence that there was an error in this transaction and refused to give me the necessary information for me to follow up on this myself. It is blatant disrespect, exploitation and abuse of a very important mandate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Westlake Services, LLC
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:
Inquiry date- XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , sd XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , ca XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX XXXX/west lake finance RE : Unauthorized Credit Inquiry Dear XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: BYL Collection Services
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
XXXXAttention : XXXX XXXX XXXX Dear Equifax Team XXXX I am XXXX XXXX and I recently reviewed my credit report, only to find unauthorized inquiries that I never initiated or approved. 

Upon my own research, I found that the respective creditors associated with these inquiries do not have any documentation suggesting that I initiated or authorized these inquiries. This is concerning as these entries were made without my explicit written or verbal consent. 

Considering these discrepancies and in line with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681b, I kindly request the immediate removal of these unauthorized inquiries from my credit report. The specific inquiries in question are : - Creditor : 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 To expedite this process, I have enclosed proof of my identity and current address. I anticipate a timely response and an updated copy of my credit report reflecting the necessary corrections. 

I trust that Equifax will handle this matter with the diligence and attention it warrants. Thank you in advance for your cooperation and understanding. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had lost my card and called in to report my card as lost. As I called in there was transactions of {$4900.00} that I did not authorize. They created a fraud claim. They denied my claim saying that they did research and they determined that the transactions where verified. I did not make any purchases on this card. I need my money.

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 2021-12-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Experian Credit bureau has failed to respond about the removal of the erroneous information about my inquiries. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Experian failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry 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 2023-12-01
Company: EQUIFAX, INC.
State: FL
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:
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TN
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 XXXXe : # XXXX, XXXX XXXX XXXX XXXX : # 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 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: CA
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:
I recently conducted an in-depth examination of my credit report, an experience that has had a profound impact on my mental well-being. During this review, I unearthed several discrepancies that are unverifiable, invalidated, inaccurate, and of questionable nature. It is concerning that these issues persist, and I believe that your agency has a responsibility to ensure the utmost accuracy in credit reporting, as mandated by the Fair Credit Reporting Act. 

In light of this situation, I wish to draw your attention to the relevant legal provisions, namely 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which emphasize the requirement for credit reporting agencies to maintain the highest level of accuracy in their reporting. These accounts, as identified in my credit report, appear to be in clear violation of this mandate by not reporting information that is 100 % accurate. 

I must emphasize that the discrepancies in my credit report have had a detrimental impact on my financial standing and overall well-being. It is crucial that these issues are promptly addressed and rectified to restore the integrity and accuracy of my credit report. 

I kindly request that you conduct a thorough investigation into the aforementioned discrepancies and take appropriate action to ensure that my credit report is updated to reflect accurate and verified information in accordance with the law. 

Thank you for your attention to this matter, and I trust that your agency will take the necessary steps to address these issues promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXXXXXX 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 2023-03-14
Company: Westcreek Financial
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I opened a loan for a piece of furniture through Koalafi. I agreed to pay off the loan in three months so that I wont have to pay interest. I was making a payment of {$180.00} a week to pay it off. I had two weeks left with a total balance of {$370.00} so I made a final payment in that amount. The following week they continued to charge my card {$180.00} so I had called to get a refund for that since I made the payment towards paying it off. They refunded me XXXX {$89.00} payments from 2 random months before. the following week after they took out the {$180.00}, they continued to charge my card another {$67.00}. I had called and they said that my loan was still open because they had refunded me the past month payments so now they say that, I have to continue paying the interest which is the same amount of the couch itself. My loan is currently sitting at {$2800.00} when I already paid {$2500.00} for the couch. XXXX XXXX be paying for this is {$5300.00} for something I paid off within the 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00}

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 2023-09-12
Company: EQUIFAX, INC.
State: GA
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. 


Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Phoenix Financial Services LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was in a car accident on XX/XX/XXXX, and XXXX did not cover the ambulance ride to the hospital. The bill was sent to insurance, and on XX/XX/XXXX I saw an 89 point drop on my credit score. I was wrongfully sent to a collections agency over a debt that is almost XXXX XXXX XXXX, and should not have been charged to me for {$1100.00}. The debt collection agency Phoenix Financial Services informed me I have to settle the debt in order to remove it from my credit and have wrongfully charged me {$340.00} to drop this off my record, when it should have never been sent to collections since this debt was billed to insurance and never billed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
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: Was not notified of investigation status or results

Complaint:
I have sent several correspondence to each company and as of today no response has been given. Im starting to feel like a number rather than a person. I noticed these inaccurate recently and I researched how to get these removed and in doing so I found my information was compromised in the Equifax data breach. Now more than ever I fear my information has fallen into the wrong hands. Please assist in helping me get through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my XXXX XXXX  credit card by mail I sent the payment out on the XXXX of XXXX just like I have done for they past 15 years, never ever on this account I have had a late payment. This was my last payment to pay off card of XXXX, I received a bill for the first of XXXX and was accessed a late payment, I called the XXXX number and was told because of bankruptcy there was nothing they can do, now the XXXX of XXXX they have accessed me a second late fee, I called and now was told that they can only remove 1 late fee. This is a scam I was told can not waive on my first call, and now they will waive one, bottom line they just want XXXX dollar 's from me, there policy is to waive one late fee if you have never had any so they should have waived the first one when I called when they advised that they would not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation