BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020, I sent {$140.00} ( XXXX shillings XXXX ) to my brother ( the recipient ) from U.S to XXXX via MoneyGrams mobile wallet money transfer service. The reference number for this transaction is XXXX and the transfer fee was {$0.00}. The only reason I used this service is because due to the COVID-19 pandemic, MoneyGram constantly represented in its website that this was the fastest way to send money at a reduced fee as the funds would be available to the recipient within minutes, and prior to this, I had successfully used the mobile wallet service for other transactions. Unfortunately, the recipient has not received the money to date ( as of XX/XX/2020 ). As the recipient is currently unemployed and has XXXX children, he requires this money for his rent and daily expenses. The recipient followed up with the financial company in XXXX XXXX XXXX which I believe has a service level agreement with MoneyGram for the mobile wallet service referred to as XXXX. XXXX XXXX completes their investigations this week and according to them, they did not receive any money from a MoneyGram. Ive followed up with MoneyGram more than three times and Im disappointed with how they are handling this issue despite my request for them to expedite the matter. Each time I call, I speak to a different customer care representative who says that their investigation takes up to 90 days. 90 days seems fast to them but to the recipient, thats 3 months of economic hardship. Initially, MoneyGram gave me a case number for my complaint - # XXXX. I called later to follow up and they hadnt even began their investigation. On my request, the customer care representative escalated my complaint and gave me a new case number # XXXX and informed me to call back in 2-4 business days, which I did. Since then ( XX/XX/XXXX ), Ive been calling every 2-4 business days and requesting them to expedite their investigation and/or refund me, but all they say is that investigation may take up to 90 days per protocol. I feel that MoneyGram misrepresented how fast the mobile wallet service is. As the receipt provided by MoneyGram on XX/XX/2020 indicates that the transaction was completed, I would like them to provide the evidence of any alleged delivery to the recipient. 

Please assist with this follow up and if possible, obtaining a refund from MoneyGram. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having trouble communicating effectively with Equifax in an effort to have my credit reports correctly reporting. This is time sensitive. I am in a first time home buyer program administered by a non profit for the county where I live and they are very very picky. As with many government matters, they insist on real time accuracy. My deadline is Friday, XX/XX/2023, at XXXX XXXX. pacific. Equifax has " disputes '' open but a prolonged " investigation '' isn't warranted under these circumstances. All these accounts have a balance of zero. I was able to get a letter almost immediately from these credit furnishers. Equifax works with them electronically - so why aren't my reports updated with greater efficiency? I have been attempting to fax information ( attached ) to Equifax but their known fax numbers do not seem to be working any longer. I need a working fax number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: LA
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 an XXXX  card and have paid 50 % of the balance yet they dont report that do they?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Selene Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX and XXXX XXXX Loan number XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX To whom it may concern, We're filing this complaint in the hopes that you will assist us with our final loan modification, with Selene Finance. we were approved for a Trial Payment Plan- a SIX MONTH plan- on XX/XX/XXXX. We have made each of the six payments on or ahead of schedule and have been trying to get final Modification approval information from Selene, since XX/XX/XXXX. 
We've spoken with them FIFTEEN times over the last six weeks and still no update. Not only has their story repeatedly changed and then intentionally missguiding, on every phone call, we were reminded that we should continue to make the trial payment that we agreed to last XXXX. Given that our Trial Payment Plan, was for a period of six months, we are not legally responsible to continue making payments unless a NEW Agreement is reached. Not only this, but Selene has a  history of forcing homeowners to continue making payments after successfully completing a trial modification plan and never modifying their loan. 
We also requested and received a complete Loan History printout and noticed numerous exorbitant charges over the last five years. Selene has yet to been able to provide us with an individual to discuss this with, let alone to explain these charges. It's our understanding that Selene is acting extremely litigious and not following Federal Compliance guidelines with regards to servicing our loan and this modification. 
I've attached all notes from our calls, beginning in XXXX, to this complaint and we are requesting that this matter be resolved as soon as possible. We simply wish to return to good faith payments and put this whole ordeal behind us. 

Thank you for your assistance and I'm available anytime at XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX Experian and XXXX have continued to report false and incorrect information on my credit report time after time after time. They have n't contacted any of the alleged creditors and if they had they would know that each dispute was in fact valid and the incorrect information should have been removed. They have violated the FCRA numerous times with reckless abandon and no one, including the CFPB seems to care. They continue to report false information for their own monetary gain. Not only that but i was told that i was being sent to a " special handling '' department and only ONE person could handle my requests, meanwhile he 's never at his phone or cares to return calls. Also, they have repeatedly locked me out of their website to file a dispute online and when I was able to finally get online, they said they would n't dispute any of the previously disputed items even though those previous disputes were extremely lacking in how or what was verified and by whom.

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 2023-08-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ive been scammed for the last 5 days for total {$7300.00}. When I found out about the scammers because they kept making excuses and created new issues to request multiple money I called the bank right away. Ive contacted the bank fraud department to file the dispute because Ive realized that Ive been scammed by the scammers and I was asking the bank if its possible to cancel the pending transactions and XXXX transactions from XXXX XXXX XXXX but they didnt answer me. My understanding that the bank can help me to reverse the amounts back to my account knowing that scammers are taken away my money called authorized push payment but the bank disregard and they didnt want to agree to reverse the payment or either my bank wouldnt help me do the authorized push payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is my third time filling this complaint regarding this account that has been appearing as a negative account due to a Late Payment even though I was never late. This is the account appearing XXXX XXXX XXXX Take action and update the payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
We contacted Infiniti XX/XX/XXXX and asked them for options we had for the end of our lease. Our lease would end with our XX/XX/XXXX payment. We asked if we could complete all the payments and return the lease early. They said no even if we made all payments it would be as if we abandoned the car. We then called about paying it off and we were told we could not sell it to a third party but we will need to buy it ourselves and pay an additional XXXX in fees - only way it would be about XXXX to payoff not the XXXX as stated on payoff. We then asked about selling to XXXX  XXXX or another 3rd party- NO we were told and we would be in major trouble and have to get the car back if we did and have a lot of issues. When we started this lease in XX/XX/XXXX we were told we could sell it to a 3rd party or if we bout it it would be the payoff amount on the documents not some higher fee. Bate and switch!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: CA
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 follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is XXXX XXXX and I am submitting this CFPB complaint to request to you to please correct my Credit File from erroneous reporting of accounts and information. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. XXXX XXXX XXXX Balance : {$64000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$14000.00}

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 non-monetary relief
Consumer complaint received 2020-07-16
Company: HYUNDAI CAPITAL AMERICA
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX, I purchased a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX, Maryland, because these electric vehicles were for sale in Indiana where I live. The Sales Contract listed the {$30000.00} amount unpaid on the car after I paid {$10000.00} as a down payment. 

I issued a check # XXXX for the {$30000.00} on XXXX because the first payment due amount listed this higher amount as the one time full payoff amount. 

Hyundai Finance issued a second payment due notice for {$210.00} on about XXXX that I paid with check # XXXX. 

On XXXX, Hyundai Motor Finance, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX, issued a {$1.00} check # XXXX to me. 

I emailed Hyundai Finance and the XXXX XXXX, XXXX, MD, dealer, XXXX XXXX XXXX, about the overbilling to me with no response from either party. 

I received a lien release on the loan, but perhaps due to the COVID-19 pandemic, I have not yet received the new car title and my temporary license paper tag issued by the dealer expired XXXX. I paid {$5.00} to the local XXXX XXXX, IN, Police Department to complete a signed VIN number check that they apparently informed the Indiana Bureau of Motor Vehicles via his shoulder radio of his findings. I emailed a copy of the police VIN check form to XXXX XXXX, but I still have no Title and an expired temporary tag.

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 2023-06-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved with a telephone wire transfer money order scam on XX/XX/2023. The transaction took place XX/XX/2023. The total amount of each venmo direct was {$490.00}, {$490.00}, {$490.00} totaled {$1400.00}. 
Immediately after the phone call on XX/XX/2023, I called XXXX Bank to inform them that this is a scam and to the stop payment. They gave me a case number of XXXX. 
XXXX bank wrote a letter on XX/XX/XXXX to update the claim. I received the letter on XX/XX/XXXX. The letter stated this : XXXX. We found that the transaction ( XXXX ) was processed. 
XXXX. As a result, we are removing {$1400.00} from your account on or after XX/XX/2023. 
XXXX. Contact us if you would like to request the information we used for our research. 

I contacted XXXX immediately to request a supervisor or manager to resolve this scam I was involved with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 obtained my credit report on line. There is a XXXX XXXXXXXX XXXX XXXX  XXXX XXXX listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both informed emphatically that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Namely, for any public record to be included on a credit report, it has to satisfy the following criteria : The public record has to contain, at minimum, the consumer 's name, address, plus a Social Security number or date of birth. Those requirements are not included on the report thus this item must be removed immediately.

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 2023-06-22
Company: EQUIFAX, 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:
I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is a case of a debt collector sending a written communication that looks like or is falsely represented to be an official document from a court. 

Someone knocked on my door XX/XX/2018, to deliver a pleading allegedly filed by XXXX XXXX XXXX, XXXX : " Complaint for Money Due on Credit Account '' and " Summons ''. While the Complaint does describe the credit account purchased by XXXX ( a debt collector ), in the amount of {$2600.00}, and is apparently signed by an attorney at Machol & Johannes , LLC, the documents did not include a copy of the Proof of Service and neither the Complaint nor the Summons include a Case Number given by the Court nor the Court Clerk 's stamp ; thus, the Complaint does not appear to have been actually filed and is not an official document or official copy of a document from a court. 

Additionally, both pleadings are dated XX/XX/2018, even though they were " served '' on me much later. Without a Proof of Service, I have no evidence that my response to the Summons would be filed in time. I also have no Case Number. Further, at the bottom of the Complaint, below the attorney 's signature, reads the statement, " This communication is from a debt collector and is an attempt to collect a debt ; any information obtained will be used for that purpose. '' That statement is not typical of legal pleadings of any kind. 

The attorney 's office also included a document to set up payment arrangements with Machol & Johannes regarding the debt. Wouldn't you try mediation before suing me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation