BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 after several attempts to pickup a money gram transfer reference number # XXXX at the following location MoneyGram Location Details XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX, XXXX, MD, US XXXX ( XXXX ) XXXX The recipient stated the Teller XXXX stated the transfer was unavailable for pickup. 

Upon her return the transfer was tracked twice and found to be available. On the last time there was no record found. 

I have my receipt and the money transfer shows up in my within my account online. 

I called the location and XXXX stated that transfers can not be picked up from where it was initiated which I do not believe. 

After being told I had to go to another location which was not true since the recipient has picked-up at the location in the past the next location below MoneyGram Location Details XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX, XXXX, MD, US XXXX ( XXXX ) XXXX The Teller XXXX stated the transfer was unavailable for pickup to myself during a call from the location. She had no other explanation but for me to seek a refund which is not what I want! 

Upon her return i again tracked the transfer and found it to be available. 

I also called into the money-gram automated system and was informed the transfer is available. I also talked to an agent who states the same. 

I am complaining because the transfer was not available as promised. Then after there seemed to be some fraud or deception regarding this transfer and its status. 

I finally had to go back to the location I initiated the transfer and had to call customer service to have a return reference number issued I was offered help to pickup but that was then not helpful and just got a refund. My transfer fees were not returned. XXXX of the XXXX XXXX location stated money-gram had to refund when it was the locations fees for the transfer!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20
Company: Experian Information Solutions Inc.
State: MA
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:
On approximately XXXX I submitted a credit report dispute with Experian against an account with XXXX XXXX that was included within my XXXX Bankruptcy on approximately XXXX. 

The dispute was initiated through Experian web portal and submitted with no issues. I within the ensuing days received emails from Experian stating that it would be wrapping up soon. 

On approximately XXXX I received an email from Experian that the results were completed. The results however were not updated to reflect an account that was included within a XXXX bankruptcy that has subsequently been discharged on approximately XXXX. 

XXXX XXXX continues to harass myself with collection calls from outside agencies, and has disallowed any sort of new services unless the discharged amount is paid in full of {$390.00}. ( A subsequent report has been filed against XXXX XXXX. 

On receiving the report from Experian the company instead of changing the account to be included with a bankruptcy allowed XXXX to update the account and add on further months of delinquency further damaging my credit score that I am trying to repair. As well upon further analysis of the Experian report they have allowed XXXX to list the account twice as well as allowing the second instance of the same account to show negative as well which is also further damaging my score. 

This is my last step before initiating a lawsuit against XXXX and Experian.

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 2019-05-14
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Yes. XXXX outsources to XXXX XXXX who outsources to a debt collection agency. XXXX never sent a letter confirming they owned the debt. They use sneaky tactics like outsourcing to XXXX to debt collection agencies. They use a collection agency, United Credit Bureau in Ohio who are unprofessional and scare you into paying what you can not afford. They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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 information incorrect

Complaint:
on XX/XX/XXXX I opened a mortgage with XXXX XXXX, later XXXX XXXX   XXXX  started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.

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 2020-02-21
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: Account information incorrect

Complaint:
on XX/XX/XXXX I opened a mortgage with XXXX  XXXX, later XXXX XXXX   XXXX  started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
on XX/XX/XXXX I opened a mortgage with XXXX XXXX, later XXXX XXXX XXXX started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.

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 2019-05-14
Company: ERC
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:
Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX XXXX  and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name ENHANCED RECOVERY Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also XXXX and XXXX are reporting new hard credit inquiries from XXXX XXXX XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those enhanced recovery people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: CA
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, XXXX XXXX, chairwoman of the XXXX XXXX XXXX XXXXe, asked the Consumer Financial Protection Bureau to stop Equifax from selling credit scores to lenders until the credit-reporting firm can prove it has the controls in place to ensure its scores are correct. In a letter to the CFPB, viewed by The XXXX XXXX XXXX, the congresswoman from California also called for more robust enforcement action against the company that goes beyond fines. 

https : XXXX 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 Portfolio Recovery XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX I spoke with XX/XX/XXXX, Equifax & XXXX to open A dispute on an account that has A host of inaccuracies reported to the my credit report from XXXX XXXX. I was sent A updated dispute saying the information was verfied. Under the FCRA they are required to look into my dispute in great detail and if that was done they would have seen the inaccuracies. I have attached A copy of the the way this company has reported absolutely no late payments to XXXX and XXXX and then A sudden charge off in XX/XX/XXXX of XX/XX/XXXX to both reporting agencies. It also states on my transunuon report the last activity was on XX/XX/XXXX, However I have attached the screenshot of the report that also show they reported the last activity on the account with EQUIFAX to be XX/XX/XXXX which is 3 months PRIOR to reporting this to XX/XX/XXXX. This shows the inaccuracies reported across the three consumer reporting agencies. XX/XX/XXXX has absolutely No late payments reported also. The last payment date should be the same across the board, The date of charge off should be the same across the voard and it is not!! This shows the company has been reporting inaccurate information. Also I sent A letter requesting an early exclusion since this is an account from XXXX. The last payment date was in XXXX however they have reported DIFFERENT dates to all three reporting agencies. The last dispute should have required the company to VERIFY the last payment date. I am requesting A payment history report from the three consumer agencies. I am requesting this account be completely removed as they have reported inaccuracies and it is NOT my account to begin with. Should you decide to keep this inaccurate information reporting I am REQUESTING PROOF OF ALL FINDINGS THAT WOULD VERIFY THE INACCURACIES!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  submitted an inquiry to XXXX  for my credit report for a loan. I never applied for a loan through them nor did I authorize anyone to do so on my behalf. The inquiry needs to be deleted from my credit report by request of this lender who fraudulently requested a copy of my report without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have been a victim of internet fraud as can be verified by XXXX XXXX. I requested billing by mail as had been done in the past by Capital One.Again this month I looked at my email and there was a notice to pay and referred to my checking account.Other Companies have had no problem sending a bill.It is very upsetting as I have been a Capital One client for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Funds missing for 35+ days. My wire of {$30000.00} was reversed by Coinbase on XX/XX/XXXX.  Coinbase has 7 business days turn around time for these transactions but it has been 35+ days and the funds are still missing in my bank account. 

I have contacted Coinbase customer support numerous times but there is not progress whatsoever. I urgently need the money. 

My XXXX # XXXX : XXXX and Coinbase case number is XXXX. 

Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX account XXXX ( XXXX ), account XXXX ( XXXX XXXX XXXX XXXX ), and account XXXX ( XXXX XXXX XXXX ) have 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 an account without my written instructions

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 2018-08-14
Company: Limetree Lending, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We started the pre-qual process to get pre-approved to purchase new home with XXXX XXXX XXXX XXXX in XX/XX/2018 and we received the pre-approval for up to $ XXXX and we started the search process to purchase a home and started bidding in XXXX thru XXXX until we got closing date by end of XXXX by then we spent so much time and effort with our Realestat agent abd by then we spent {$550.00} for inspection and {$500.00} for the appraisal that was performed by the XXXX XXXX XXXX which we never seen what company performed the appraisal and how much were there paid? But just {$500.00} bill from XXXX XXXX XXXX 24 hours before the closing date that was set by XXXX XXXX, they XXXX canceled the closing and denied us the loan and we lost the purchase of the house 24 hrs before closing, lost the {$500.00} apraisal, {$550.00} Inspection and they left us struggling thru the seller lawyer who refused to return our $ XXXX. 
This XXXX XXXX Mortgage company process over 3 months and many papers an endless demands until they finally gave us the final approval and they sat the closing date then denied the loan Very unethical Very unprofessional They play all kind of games to get you in then the deny your loan after you get deep in process and expenses

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: Servatus Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt is not owed. XXXX XXXX XXXX XXXX has transferred this account collecting on debt that is not owed. In XX/XX/2018, this issue was already disputed and matter was closed in favor of myself. Please provide in writing within 30 days evidence that this debt is owed and that you have permission to collect on said " debt ''. Also you will see from the statement below how this was handled in XX/XX/2018 : Referred STATUS CFPB referred complaint to another government agency on XX/XX/2018 REFERRED TO NATIONAL CREDIT UNION ADMINISTRATION We referred your complaint. 

After our review, we found another agency that is better able to help you with your issue. 

We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to identify questionable business practices that may lead to investigations and prosecutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The company has placed a debt on my account and has not verified that it belongs to me.

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 2020-08-01
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/2020 Shellpoint Mortgage Company made another withdrawal from my escrow account in the amount of $ XXXX. for insurance premium. 
Prior to XX/XX/2020 Shellpoint Mortgage Company had refunded $ XXXX for insurance premium refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: Account status incorrect

Complaint:
The company has placed a debt on my account and has not verified that it belongs to me.

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 2021-10-09
Company: Experian Information Solutions 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:
I have tried 3 times with credit reporting agencies and the debt collector to get this removed, I moved out of my apartment in XX/XX/2020. The manager there stated I would lose my deposit, which I agreed to. The pandemic started, the office was closed, I moved into my new place. They even told my new place that I was an excellent tenant for 5 years, paid my rent always on time etc. Then they reported me to a collection agency XXXX XXXX XXXX out of XXXX. They refused to remove the collection. XXXX agreed I did not owe and removed this from my credit. Experian and XXXX refused to remove. Please help

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 2018-08-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Docket # XXXX XXXX XXXX XXXX XXXX. as Trustee on Behalf of The XXXX XXXX Trust Fund C/O Select Portfolio Servicing , Inc. vs. XXXX, XXXX XXXX On XX/XX/2018, Appeared in court with Plantiff 's counsel XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone Number ( XXXX ) XXXX Agreement to vacate property by XXXX and would receive a check for {$12000.00}. To date no payment received and I am getting the run around trying to speak with anyone that has a clue what is going on at SPS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, at XXXX XXXX, XXXX XXXX with Southwest Recovery contacted me from phone number XXXX, stating that I owed a debt in the amount of {$4800.00}. He provided the original creditor information, and even talked to me about settling the entire account for {$3600.00}. However, I have never received anything in writing from Southwest Recovery stating the original creditor, the amount, or my right to dispute the debt. I have been unable to verify the debt, obtain an account number, or that Southwest is in deed authorized to collect on the debt. I requested from Southwest a notice in writing during the conversation on XX/XX/2018. When I did not received a validation notice after 5 days as required by law, or anything else in writing, I called on XX/XX/2018, at XXXX XXXX, and again on XX/XX/2018 at XXXX XXXX. I still have not received any sort of validation notice, nor anything in writing from Southwest Recovery.

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