BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX/XXXX/15 I sent a {$500.00} transfer to my sister in Texas. When she attempted to retrieve the money she was told that the funds were not available. I contacted customer service and was told that my transaction was under review because my name, XXXX XXXX XXXX, was similar to a name they have identified as a person who ca n't use their services. However, when I made the transaction I was not notified that there would be any problem. This is not the XXXX time I 've used this service. Each attempt to either retrieve my money back or make it available for the recipient has resulted in hours on hold and lastly transferred to the Dispute resolution department which automatically sends me to voicemail. I have never been able to reach a live person in that department. I have left XXXX messages with the Dispute Resolution Department and they have not contacted me. 

My {$500.00} were taken from Money Gram and neither I nor the receiver can retrieve my money. 

I have taken the following action to resolve the complaint:1. I have contacted Money Gram via telephone every day since XXXX/XXXX/15 and each time the customer service agents keep me on hold for hours ( not figuratively speaking, I have been on hold literally for hours ) while they say they are transferring me to the appropriate department. I get transferred from one agent to another over a span of approximately XXXX hours while on hold for about XXXX minutes in between each representative. XXXX representatives were extremely rude and hung up on me telling me they could not resolve my issue. 

2. I have also left XXXX messages for the Dispute resolution department and I have not been contacted. 

I have not been contacted by Money Gram at all. I need a resolution to this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Seterus, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer has ignored repeated requests for a mortgage loan payoff. These requests have come from the settlement agent, an attorney who handled a discharged bankruptcy and myself, the borrower. This process has been ongoing for 2 weeks and each time the servicer denies that they have been contacted by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this entry for more than 2 years now. Experian, XXXX refuse to remove this entry even after I sent them evidence that this account should be deleted. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  # XXXX ( XXXX ) {$670.00} XXXX XXXX # XXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} XXXX XXXX XXXX XXXXXXXX ( XXXX, XX/XX/XXXX ) {$97.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) {$64.00} Caine Weiner XXXX XXXXXXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX .... Balance : {$17000.00} ; DEPT OF EDXXXX XXXX .... Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} ; XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I am the real XXXX XXXX you paid XXXX for my money I am very sorry I didn't think it's right I demand my money call me back at XXXX my email is XXXX but it's hacked account I just got out of XXXX in XXXX XXXX Florida I have proof of this I got a violation of probation for not being able to pay for my restitution on a crime I didn't commit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  # XXXX ( XXXX ) {$670.00} Enhanced Recovery # XXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} Enhanced Recovery # XXXX ( XXXX, XX/XX/XXXX ) {$97.00} Enhanced Recovery # XXXX ( XXXX, XXXX ) {$64.00} XXXX XXXX # XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. 
No Actions was done because I didn't know how to locate these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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: Personal information incorrect

Complaint:
The three credit unions XXXX, XXXX XXXX Equifax are all reporting inaccuracies onto my credit reports regarding my personal information. According to 15 USC 6802 my personal information is not to be provided to the public without my consent. I HAVE NOT given consent for any of my personal information to be released let aline for inaccurate personal information to be released. The incorrect Information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Creditors cant pull my credit report and i cant pull it myself. I am also unable to modify my credit freeze. I have had this problem twice before and the only way to get it fixed is to file a complaint. When I call equifax everyone is beyond useless. I understand from the last XXXX complaints that my credit report is too long and needs to be cleared out. No one at equifax will believe that when I call. They say it is because of the freeze, but I can still pull my own credit with the freeze through equifax.com. I even offered to remove the freeze, but of course that causes an error and wont work because my report is messed up. I need this fixed and I need the contact information of someone who can fix it if it happens in the future. 
When I try to pull my credit report on equifax.com and i get : We are unable to complete your order at this time. Please contact our Customer Care department at XXXX XXXX XXXX XXXX 24 hours a day, 7 days a week for immediate assistance. Please record the following information and have it available when you call : Eval Code : XXXX Status Code : XXXX, Reason Code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There seems to be showing an overdraft account balance of XXXX with my bank from 2002 and I since have paid it off. My account is still the same with the Bank or I would have known about it by now but it is always showing I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I HAVE PAID ALL MY BILLS ON TIME FOR 50 YEARS AND MAINTAINED A XXXX CREDIT SCORE, XX/XX/2015 I WAS HURT IN AN ACCIDENT AND DID NOT HAVE INSURANCE, ONE OF THE DOCTOR BILL WENT TO COLLECTIONS AND I DID SETTLE THE BILL, BUT NEVER RECEIVED SETTLEMENT LETTER, MY CREDIT REPORT IS AS FOLLOWS : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION TO SHORT PROPORTION TO CREDIT LINITS TO HIGHON REVOLVING ACCOUNTS TO MANY INQUIRIES IN THE LAST 12 MONTHS THE NUMBER OF INQUIRES HAS ADVERSLY EFFECTED THE CREDIT SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
While trying to check my credit report with Equifax they asked me questions about a mortgage loan, a car loan, a bank card and a department store card that were taken out in my name, I have no knowledge of any of them because I 've never gotten any type of loan or bank card as it seems I was too young and some where done last year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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:
There are four late payments on my credit report for which I don't recognize. The account numbers don't match and it is all incorrect, therefore, I'm demanding the removal of those items pursuant FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX. I hired a XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX and XXXX her on Monday XX/XX/06 to help with my healthy journey. I paid her {$600.00} through XXXX with tax charge. I did not receive a copy of receipt or contract or anything. It looks like the business is doing a shady action with taxing. After paid her, I had my first lesson with her on the following XXXX and then I found out she lied to me. Basically scammed me since she cancelled my XXXX  session to train another client and work out stating that she was sick. I then immediately asked her if she can partial refund me but she refused. I found out this place has been doing this to many clients by ghosting and refusing to give them back the payment. I filed a dispute with XXXX and my bank Wells Fargo but were denied. Wells Fargo did not even send me a proper email explaining why they closed my dispute claim. I am very upset because this was my very hard working money. I was being scammed and there's no way for me to get back that money. {$600.00} might not be a lot to many, but it is to me because I am still a student who has to work and go to school.

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 2015-08-25
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Unknown collection and outdated, please remove

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Paypal Holdings, Inc
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I attempted to make a payment through PayPal as the public agency I was paying said they only took PayPal payments. I have a PayPal account I never use so I went to it and assumed my payment would either be directly from my checking account or from the credit card I have on file. Instead they established a credit account in my name that I DID NOT REQUEST and then proceeded to do an unauthorized hard inquiry on my credit report. I called them and they did quickly charge my credit card and cancel the line of credit they had established. My sense in talking to their agent was that PayPal clearly recognized that what they did was unauthorized, but said they could not erase the hard inquiry. They were doing exactly what the CFPB and PayPal reached an agreement that they cease doing and for which they paid an inadequate fine. They claimed I authorized the credit account as it was hidden somewhere in the agreement I made when I authorized the payment. It was completely unclear to me that that was what I was doing or that that was their intention. It is clear, however, that they set up their system so it automatically creates a credit line so when you think you are paying directly with PayPal you are in fact establishing credit with them. Your fine is obviously inadequate since it is clear that this business is profitable enough that paying the fine is just a cost of doing business and not a disincentive for dishonest activity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: Google Compare Credit Cards Inc.
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I put money on my google voice account in 2011 when I studied abroad. I added {$25.00} in 2011, of which {$19.00} is still available for my use. I am getting spam telling me that I have " loans due '' and " owe the IRS '' ( probably its own complaint -- I know the IRS sends letters ). To stop getting these annoying messages, I asked for a refund of my money from google so I could close the account. Google refuses to refund credit from over a year ago ( even though I could still USE it ). I 'm in the military and I 'd just like my {$19.00} back and for the annoying messages to stop. I 'd lose that money to get the messages to stop, and Google says it gets to keep it. I do n't think that 's right. Please let me know if you 'd like a transcript of the conversation with google.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX account number # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGHEST BALANCE, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, Credence call 77x 's on XX/XX/XXXX and 55x 's on XX/XX/XXXX and many prior times before, they call every morning stating at XXXX to XXXX and evening calling after XXXX. They are XXXX and XXXX  me daily adding to my illness. they call with XXXX, XXXX, XXXX and ocassionally unknown number directly after calling on a visual number. I have not done business with them this number belongs to me only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have complained about M & T bank in the past. The prior complaint number they actually RESPONDED to was # XXXX that time, my complaint was they are not enough branches to service XXXX people XXXX XXXX XXXX XXXX who live in XXXX city. It was my understanding that banks should have branches in all neighborhoods, depending on both geography and racial mix. M & T is an utter failure in this regard. 
To recap. In 2013, they closed the XXXX branch, located in Shoppers market. Shoppers had another bank, which M & T bought XXXX XXXX XXXX and within a year, they promptly closed every market branch. 
This week, we went to OUR closest branch XXXX XXXX XXXX XXXX that is accessible by car, but not by a viable bus line. That branch was closed with no warning, no signs posted, just the sign saying the branch had moved to the XXXX Road. Let me point out that location is XXXX block from the XXXX XXXX line and another branch is located XXXX, on the same street, less than XXXX miles away. 
They have also closed the XXXX branch ( all XXXX neighborhood ). 
NO ATM 's have been added in our neighborhoods that accept check deposits, in spite of their lies to the contrary back in XXXX 2013. 
I am XXXX years old, my mom is XXXX. Neither of us drive, so for them to blithely point to XXXXneighborhoods where we can do our banking is just not acceptable. Those banks are all readily accessible within a XXXX 15 minute car ride - but why do we have to leave OUR neighborhoods to find a branch? Why do we need to get a RIDE to access our bank? If you can ask them these questions, I would like to see the lies they come up with this time. 
I do n't care if they sponsored the stadium. What I want is not to spend XXXX or more HOURS to get to the bank to deposit a check. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hospital was first denied payment from insurance without more information. Information was supplied to insurance company and insurance paid debt in full. Notice was sent to incorrect address for court fillings against me for this debt and I did not know about the attempt to collect the debt until the garnishment was given to me through work. I was able to stop the garnishment by showing proof the debt was paid by the insurance, but the company has not reported or removed to the credit bureaus this has been satisfied and no longer owed,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: OneMain Finance Corporation
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:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries This is not misrepresentation I am victim of Identity theft this not a mistake sent in error. I did not consent to authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. Please block and remove immediately the following inquires from each XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: TFLC Trust
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am XXXX years oldBorrowed mortgage money XXXX on my homestead home to start a business in XXXX. 
Made interest only payment, timely of XXXX. 
I am going to pay off the mortgage and now the lender has added XXXX in fees. 
Accrued Interest Thru XXXX XXXX, XXXX XXXXMortgage Satisfaction XXXX. 
Deferred Loan Origination Fee XXXX. 
Deferred Processing Fee XXXXPrepayment Fee XXXX. 
Payoff/Profesional XXXX. 
Wire Fee XXXX. 
Loan Administration Fee XXXXEscrow Fee XXXXI thought I would have to pay up to XXXX in fees but these seam to be totally beyond fairI want an opinion whether these fees are legal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: VA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-17
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation