BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: MoneyLion Inc.
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: Public record information inaccurate

Complaint:
Had a fraudulent loan taken out using my information, but with a different phone number, bank account, and address that I have never used or claimed to be mine. The company that provided the loan to the fraud was MoneyLion. The account was signed up on XX/XX/2022 but I did not realize it had been reported on my credit report until recently when I went to open a credit card and was rejected. I checked my credit and on my report I had a {$1000.00} loan taken out by someone that was not me. I contacted MoneyLion support and they provided me with the loan details, showing my name but a different address and phone number. I assume to take out a loan they used my social security number, date of birth, and full name but used a fraudulent address, phone number, and bank account. I have tried contacting MoneyLion support through email and they told me I had to call in. When I try to call in I am unable to get past the robot that handles their calls. When I attempt to get through the robot I am left with the robot guiding me to go back to emailing support for help, and get stuck in the loop of them ping ponging me back and forth from email to phone call. I have also contacted my local police department and they have given me a police report to give to MoneyLion, but like I previously stated, I get stuck in the loop. I am looking to file a lawsuit with MoneyLion for wrongfully putting out a loan under my name and credit report ( social security ) but with a different address, bank account, and phone number. They should have easily been able to look at public records to find my address and phone number and avoided setting up a fraudulent loan. MoneyLion is currently charging interest on the unpaid loan and my credit continues to be lowered. I am unable to open a credit card or get a loan for anything, my financial life is essentially ruined for the time being. Please help me with this case I am willing to provide all the evidence that I have. I have already spoken to a lawyer who claims that my case is valid and strong and is willing to move forward at any time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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: Account information incorrect

Complaint:
I reached out to Equifax, XXXX  and XXXX  about the validity of accounts on my credit report on XX/XX/XXXX XXXX 30 days ago ). I have not received a response from them. 

Equifax, XXXX and XXXX  are not complying wither their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Rozlin Financial Group, Inc.
State: FL
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:
ROZLIN FINACIAL GROUP XXXX XXXX XXXX XXXX, IL XXXX. Has been nonstop calling me harassing my life at early morning times like XXXX XXXX  and even sometimes at XXXX late night. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with company. I when I call them, they said the collection is from a storage unit in XXXX. I never been to XXXX. Please they do not stop calling me and I have repeatedly told them to leave me alone. The Company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: AZ
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:
My account is being reported with late payments. I was never late and have not received a response after sending the bank a certified letter requesting verification!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: NC
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 BROKE THE LAW!!! 

Dear Equifax, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing XXXX XXXX and XXXX XXXXXXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story. You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible.

Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you was not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 

ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
This is my NUMEROUS 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 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 2023-06-23
Company: M&T BANK CORPORATION
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The issue centers around the process and technical issues with providing the requested mortgage insurance information and the lack of response and system failures ( human and technical ) surrounding the document submission process. 

XX/XX/XXXX - after numerous submissions of the requested proof-of-insurance documents for the structure ( HOA-managed ), the system responded that the documentation was not accepted. I called and asked about what was going on. The agent gave me an email address to send the document as an attachment, which I did. She also said she would be escalating the issue. The automated system again sent an email ( a couple of days later ) that the documentation was not accepted. 
XX/XX/XXXX - Called back to inquire about the situation ( the total call was 2.5 hours ), the agent, after checking with someone, said it was a file limit issue. The site has no built-in file-limit scripting nor even a statement as to file limits. She advised me to only submit the first 10 pages ( which seems very arbitrary ). The file/document is one I've sent previously ( annually ) without issue. 
Further, I was asked to research out and find various phone numbers that might be individuals with the insurance company who holds the Homeowner 's Association policy for the structure. The customer service was horrible and I was doing the majority of the " heavy lifting '' and legwork. The agent in the mortgage department who I ended the call and with whom I filed a second complaint about the service provided by M & T bank was flippant and laughed at the situation. My home and it's security ( financial ) is not a laughing matter. I was made to feel ( by agent 's repeated mentioning ) that the call was taking too long - yes, admittedly it was a long call, but it was necessary to try and get resolution after my call a week previous resulted in nothing ( and I received no personal ( human ) follow up after being told it was escalated- thus prompting me reaching out again a week later )

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 2023-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have fallen under the FDCPA, FCRA, and Regulation V obligations that Portfolio Recovery Associates , LLC has criminally failed to adhere to. 
They took or threatened to take negative or legal action against me. 
Portfolio Recovery Associates Continues to make monthly negative reporting on my 3 Bureau reports thus poisoning my credit scores for a few years now. They have made false or misleading representations concerning the debt, and continue to attempt to collect on debt that was outside the statute of limitations and was time-barred debt without making required disclosures during their process. 
They have Violated : I. New Mexico Debt Collections Laws a. Statute of Limitations NMSA 1978 37-1-1 et seq. governs New Mexicos statute of limitations for the collection of open accounts, written contracts, and judgments entered by the Court. In New Mexico, the statute of limitations for open accounts is four years, while the statute of limitations for written contracts is six years. In New Mexico, if a creditor can provide a signed credit card agreement, the SIX YEAR statute of limitations applies. The cause of action accrues on the last item therein, which can either be the last payment made on the account or the last statement sent to the debtor. Once entered, a judgment is enforceable in New Mexico for fourteen years and can not be renewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$2300.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... XXXX XXXX {$570.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; 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 2021-06-23
Company: CITIBANK, N.A.
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation reports. This creditor has reported late payments on XXXX, XXXX and XX/XX/XXXX to my report which are incorrect and I am asking these late payments be deleted immediately or I will file for litigation due to the stress you caused 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 2023-03-16
Company: EQUIFAX, INC.
State: DC
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 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 2023-02-09
Company: EQUIFAX, INC.
State: AR
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 On XX/XX/XXXX I called XXXX  fraud department to verify my FTC report and identification documents were received. The representative verified it was received and began my dispute of fraudulent activity. The equifax confirmation number for this is # XXXX. 

I called equifax fraud department on XX/XX/XXXX to dispute fraudulent information on my credit report. When I spoke to 3 representatives I was told they can not view any of my documents including my FTC report and I can not dispute fraudulent information. 

The fraudulent information are : Inquiry XXXX, XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Account-XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account # XXXX I am asking Equifax to delete the fraudulent information as stated above immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXXXXXX XXXX Capital One Bank sent email that they had put a restriction on my accounts, due to suspicious activity. 
Phones several times and sent many emails begging them to please release my money. No response. 
On XX/XX/XXXX I logged in to check status of account and it showed a XXXX balance. 
Checking further, I saw the money had been sent with an electronic transfer. 
The transfer has not shown up in my XXXX XXXX account. 
Called Capital One to find out where the sent my money. Was told to leave a message and if they thought it necessary They would call me. Before I could say a word the call was disconnected. Called back and got to leaves a message. That was 2 days ago. 
Still no response. Sent private message on XXXX 2 days ago, Still no resonse. 
The amount of money involved is {$7100.00}. 
I am an XXXX XXXX XXXX XXXX and I do not need this kind of treatment as it has caused a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus 0n XX/XX/2023 to update this suspicious information. I think you have not validated these accounts This was already included in my prior complaint, and I'm including it again. 
Please investigate the accounts below : XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance : {$18000.00}

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 2021-06-23
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have been corresponding with XXXX XXXX since XXXX. Their timelines do not comply with FCRA. I requested deletion of bankruptcy on file via certified mail 62 days ago. I have not recieved ANY correspondence back from XXXX XXXX. Their reporting of my bankruptcy to the credit bureaus is highly injurious and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX  XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was applying for a credit card thru XXXX XXXX XXXX and i did get the c.c .However the agent asked if i was paying a mortgage & i said yes for 10 years. the agent said i may want to contact my mortgage co. because they have not reported it to the credit bureaus! I called numerous times and each time Nationstar employees gave me another dept. to call. The last call was supposely their bankruptcy dept., phone # XXXX XXXX XXXX. I spoke with XXXX and she was confused because they were a law firm that did do some work for Nationstar but was NOT their bankruptcy dept.! She did say that they have had similar calls from other people thinking that they were Nationstar Bankruptcy Dept.! 
I just want my payments to be reported to the credit bureaus but can not contact anyone to even report this to!!!! I am very aggravated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
In XX/XX/XXXX I contacted Capital One Auto Finance by phone to request a payment made to cover an accumulated amount be applied properly and advised that the amount accumulated over time was reported to the credit bureaus. I was informed that the payment would be applied correctly and that only the payment amount and status would be reported monthly not any overage amount. In XX/XX/XXXX I filed another complaint against Capital One Bank on complaint number XXXX as I did in XX/XX/XXXX ( XXXX ) regarding the way information has been reported. Since XX/XX/XXXX there has been a pending investigation by Capital One Bank ( XXXX ) and is still open. As I have been pouring over previous credit reports is now clear that although balances are reported accurately the remarks have been inaccurate, misleading and harmful. Since XX/XX/XXXX my XXXX credit report which has had remarks added each month in a way that makes the comment inaccurate for Capital One Auto Finance. For months I would see notifications that remarks were made and seeing the accurate balance but did not notice the remark. After viewing my XXXX report the remarks provided information inaccurately. The remark indicates my highest balance as a recent balance and states this " High balance of {$19000.00} from XX/XX/XXXX to XX/XX/XXXX : I currently owe around XXXX XXXX XXXX XXXX dollars and will have paid off the loan in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MD
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXXXXXX XXXX Balance : {$0.00}

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