BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: MoneyLion Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Money lion Company account acquired in order to help build credit score before home purchase. Not only damaged credit score, many wasted hours attempting to rectify their mistakes.

Immensely negatively affecting my interest rate on home purchase. This company has ignored my desperate & patient requests to rectify my credit reports To reflect the truth. Yet still refuses to respond with tangible reasons for inconsistencies & late responses after admittedly being wrong. 
*website/app suddenly dysfunctional *false promises about rectifying their mistakes *calls miraculously drop when called for help *suspended account claiming proof of income & questioning where funds are coming from. 
*continues to pass consumer around to different departments with XXXX solution. 
*knowingly & falsely reporting to all credit bureaus. 
*continuing to charge a monthly membership fee. 
4 credit builder loans for {$1000.00} They give you {$600.00} until the {$1000.00} is paid in full and then release {$300.00} at the end. Then another offer after 30 days ( their rules ). I Take XXXX other offers under false pretenses. 
XX/XX/23 paid in full XX/XX/23 paid in full XX/XX/23 paid in full XX/XX/23 paid in full -still showing balance after 30+days These loans were agreed upon under the condition of being 1 singular revolving line of credit not 4. Company promised to clear up and remove the 3 extra open & closed reports. All lies. I have proof of their lies and emails with contradictory statements. Someone please help me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency Resurgent is trying to collect a debt that they say I owed to XXXX XXXX  ( or the new owner of the debt LVNV Funding ) I spoke to XXXX. They have absolutely no record of any debt I owe to them or a customer of theirs. 

The debt collector said they would mail me a written detailed explanation of the debt. They have not sent such documentation. 

The will only repeat that I owe to LVNV Funding which purchased a debt from XXXX. 

I receive daily emails harassing me about a debt that I have no evidence belongs to me. Here is the contents of one such email -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, First, I wanted to thank you for visiting our Payment Options page. Hopefully you had a chance to review all of the options available for you. 
That said, if you're experiencing financial difficulty and would like to discuss options other than what you saw on our website, please let me know. Even if you're not able to pay right away, I'm sure we can work something out. 
Hope to hear from you soon. 
Click here to review options Please review your account details below : Original Creditor : XXXX XXXX  Current Owner : LVNV Funding LLC Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$410.00} View My Account Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team. 
Connect with us! 



Copyright 2023 Resurgent Capital Services, LP. All rights reserved Phone : XXXX ( XXXX ) XXXX Physical Address XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX General Disputes/ Correspondence XXXX XXXX XXXX XXXX , SC XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: LA
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:
Dispute with Equifax, stated several times they have a bankruptcy in my file. When asked where the information was provided, XXXX, a request from XXXX XXXX   started NO information regarding bankruptcy. Have sent this file. Its been over 30 days the incorrect info is still on file. They have violation of credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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 information incorrect

Complaint:
I called to inform the credit reporting agency that there were inquiries appearing on my credit report as a result of the TransUnion inquiry issue that was incorrect and should be removed. The agent said he couldnt assist me with this despite it being an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I submitted a dispute in regards to a bankruptcy on my credit file and TransUnion responded on XX/XX/2021 ( report # XXXX ) that the bankruptcy was verified but not specified. I wrote them another letter on XX/XX/2021 and sent it certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ) letting them know that I was requesting a description of procedures as stated by 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) & 15 U.S. Code 1681i ( a ) ( 7 ) of the FCRA. I requested a description of the procedure used to determine the accuracy and completeness of the information they provided to me from the XX/XX/2021 dispute.I asked them to provide the business names and addresses of any furnisher, vendor of information contacted in connection with such information and the telephone number of such furnisher. I also let them know that this Information could have not been provided by the courthouse because I attached them the letter from the court which stated that they did not provide them with the Information. Today, XX/XX/2021 I received a letter in the mail from TransUnion stating that they were not going to investigate this matter, but I didn't request another dispute investigation, I requested the description of procedures. I feel that they are in violation of the FCRA by not responding to 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) & 15 U.S. Code 1681i ( a ) ( 7 ) which says they have 15 days to respond with the information. 

Please see attached for all information that was sent and received. This will also be filed with NJ attorney general and FTC.

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 2021-06-01
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: AL
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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 XXXX XXXX XXXX XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accuracy. 
I've tried to resolve this account with the reporting agencies but they have been driving me in circles.

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 2021-12-21
Company: Collection Bureau of America Ltd.
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: Account information incorrect

Complaint:
Collection Bureaus of America was settled and XXXX {$230.00} Confirmation # XXXX XXXX said it would be fully removed from my credit reports in 30-60 days. It still hasn't been removed. I demand removal ASAP as it is impacting my credit scores and my ability to get my home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I reached out to the credit bureaus regarding errors on accounts being delinquent and they are not. There are also addresses where I have never lived. The bureaus " verified '' everything, which is wrong and should be illegal. The negative and false reporting is hurting me as a consumer.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: NV
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. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX **** has violated my right.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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: EQUIFAX, INC.
State: MD
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint against American Express regarding their handling of a dispute I initiated on XX/XX/2023. This complaint pertains to American Express 's failure to address and resolve inaccuracies in the way they are reporting one of my accounts on my credit report. 

On XX/XX/2023, I sent a dispute letter to American Express, challenging the way they have listed an account on my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is imperative that an account reported on a consumer 's credit report is 100 % accurate, verifiable, and complete. In my dispute letter, I specifically raised concerns about the following discrepancies : -High Credit Amount on XXXX : American Express reported a high credit amount of {$16000.00} on XXXX, which appears to be inaccurate or inconsistent with the account 's history. 

-Credit Limit on XXXX : American Express reported a credit limit of {$13000.00} on XXXX, which may not align with the actual terms of the account. 

-Missing Payment History : American Express did not report any payment history for this account on any of the credit bureaus. 

While I diligently raised these issues with American Express through my dispute letter, I have not received any response or resolution from them to date. Despite my attempts to rectify the inaccuracies, the reporting on this account remains inconsistent and incomplete between the different credit bureaus, which adversely impacts my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found an apartment for rent on XXXX. They made me pay 1 month security deposit and 1st month rent to secure the condo. After I paid the money, they set up an appointment for me to see the condo on XX/XX/10 at XXXX. No one showed up to show me the condo so I emailed my contact, the supposable owner of the condo, and told him no one showed up and I wanted my money back because I thought it was a scam. I emailed him numerous times between XXXX with no response.

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 2023-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In blatant violation of the Fair Credit Reporting Act, my rights have been infringed upon by this creditor, specifically by reporting the XXXX account onto my credit report. According to 15 U.S.C 1681 Section 602, I am entitled to privacy protection. Furthermore, 15 U.S.C 1681 Section 604 ( a ) Section 2 explicitly stipulates that a consumer reporting agency is prohibited from furnishing an account without my written instruction. Urgency is compounded by the fact that under 15 U.S.C 1666 ( b ), a creditor is expressly forbidden from categorizing a payment on a credit card account, under an open-end consumer credit plan, as late for any purpose. Immediate attention to rectify these violations is imperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One has failed to release my funds in the amount of {$580.00} on a secured credit card that they closed. After six months of on time XXXX % utilization my account was closed for " fraud ''. I had a dispute in the amount of {$580.00} XX/XX/2021, for something that was charged to my Capital One credit card, but not paid to the merchant. There was a " provisional credit '' issued on XX/XX/2021. Capital One policy is that the funds are not released until the dispute is over, which was XX/XX/2021. I made a payment XX/XX/2021, in the amount of {$780.00} which included the {$580.00} but cancelled the payment after I was informed by representative XXXX that the {$580.00} would not be accessible. The {$580.00} was then rebilled and is included in the {$920.00} balance that is being incorrectly reported to credit bureaus. The dispute lasted until XX/XX/2021, and the funds were to be released when they opened XXXX a.m. EST. The funds were never released. Capital One is saying the money was spent but has failed to tell me when. There were no purchases after the " provisional credit '' was issued XX/XX/2021, and the account was closed XX/XX/2021. Then Capital One is saying there is a refund check issued in the amount of {$26.00}. So, Capital One is saying that the " provisional credit was issued XX/XX/2021, and I spent the money in XXXX days before closing the account XX/XX/2021? Please show me the charges. What is the monetary relief amount that you'll are keeping, for what? 
They are reporting inaccurately on my credit report and has caused me to not be able to purchase my first home. This has been a horrible inconvenience along with me being a small business and single parent. I needed my funds during a pandemic. Capital One has reported inaccurately on my credit report such as a high credit balance. Capital One has negatively affected my ability as a single minority to purchase my first home. They have failed to comply with the FTC dispute process. I will also be contacted and filed a complaint with the West Virginia Attorney General XXXX XXXX who has sued the credit card company Capital One and four other similar companies for unconscionable conduct in connection with their credit card lending and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac is consistently not paying my taxes on time with the City of XXXX. First half of the tax bill was due XX/XX/2018 and I just received a letter in the mail that this has not been paid. The same thing happened to me last fall as well. I currently have a partial tax exemption for my rehabilitated property and it appears that I may lose this because of PennyMac 's inability to monitor my taxes. What is the point of having an escrow account if I'm getting penalized monetarily by the city? I am curious to know what controls they have in place and who their vendor is because this has been an unbelievably frustrating experience for me, to constantly get these letters from the City. Please pay my taxes on time and make sure you are MONITORING for future payments. I refuse to pay inflated taxes because of PennyMac 's deficiencies in their internal processes.

Company response to consumer: Closed with monetary relief