BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: MoneyLion Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received a loan from Moneylion INC through an application on my smartphone ( XXXX ) into my checking account around XX/XX/XXXX. I paid off the loan XX/XX/XXXX but received a call in XX/XX/XXXX saying they never received the funds from my bank, I reviewed my checking account and they were correct so I agreed to pay it back without issue. I have attempted to repay the amount owed ( {$510.00} ) and each time no payment is processed, every time I call I am on hold for an hour before speaking to someone. As of this complaint, this is my fourth time attempting to pay off the loan and the application is threatening collections for nonpayment due to their computer errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had an account with XXXX XXXX XXXX. When I was sick my account was overdrawn. I received a letter from a collection agency to settle the account. I settled the account and paid as agreed. XXXX continue to report the account with a balance. I was informed that I had to pay off the remaining balance regardless of the settlement agreement. I was told once the full balance was paid the paid charge off would be removed from my credit report. 

The full amount was paid as agreed and the account still remains on credit report. XXXX XXXX XXXX  still have account on credit report

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 2023-01-14
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just filed a complaint against XXXX XXXX XXXX regarding these alleged accounts that they never sent me any notices of disputes for. They immediately had to close the account because they had zero documentation tying these accounts to me especially because I had insurance and was not seeking medical attention around this time. Once XXXX closed these invalidated accounts Avante has now picked these up and broken several of my rights. XXXX. There was no notice to dispute. I received nothing in the mail at all. 2. They are reporting these alleged accounts to my file at the SAME time as paramount. 3. They are also reporting duplicates. This has taken a toll on my credit score right around the time of me moving which has cause me major inconveniences! I know my rights as a consumer and I will use them! 

Absent validation, both your company and XXXX are in violation of Federal Law, for btu not limited to, continued collection activity on an invalidated debt pursuant to FDCPA 809. Validation of debts [ 15 USC 1692g ] ( b ).

My suggestion is that you return this account to the previous collection agency and demand your money back, and/or compensation for time wasted pursuant to the Qualifying RECOURSE accounts provision of your purchase / assignment contract.

If any information about this alleged debt has been reported to the credit bureaus, I demand that you delete that information immediately, or I will have no choice but to take legal action against you for knowingly Furnishing on verifiable information to the credit bureaus with the sole purpose of tarnishing my financial reputation. you have 5 days to remedy this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since sunday XX/XX/2023 commenity bank has called me XXXX times. Both from a blocked phone number and their actual phone number. It is absurd. They have violated regulation F, if memory serves me correct and are going against FDCPA guidelines. I understand i owe and i do plan on paying. At the moment it is a difficult situation we are working on getting out of. The calls arent necessary and excessive AND abusive. I feel harassed by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: PA
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/2019 I noticed that I had many fraudulent accounts on my credit report I filed a Identity theft report with my local police department and then notified the credit bureaus. I have received resistance in securing my identity with Equifax and XXXX. They are in clear violation of my rights as a consumer and I have given them all the proof and documentation that I have in regards to this matter. Had I known previously what I know now I would have made the bureaus aware sooner. I have a total of 12 collection accounts, 10 Credit Card accounts, 9 EDU accounts and 1 car loan that I am not responsible for and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a deferment request application over a month ago. I was informed that it would take a few weeks. Every time Ive attempted to call I have had to wait on the phone for over 5-6 hours. I will then email as my second option and the email respond with two automated replys. The first stating someone will be in touch with you soon and the second email says due to an unprecedented amount of emails. We are unable to provide a response to your specific inquiry. It is ridiculous I can not have a simple answer to my predicament and its ashamed I cant even get a minute of their time to discuss it. For something that I decided to utilize to further my education, you would think customer service would at least be decent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Case # : XXXX XXXX. Account # : XXXX XXXX. Name : XXXX XXXX XXXX. Tel # : XXXX ( Cell ) / Email : XXXX XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX KS, XXXX My name is XXXX XXXX. Id like to dispute unauthorized transactions from my checking account on the XXXX, and XXXX of XXXX, XXXX. And I also request to update my current address given above. 
I had moved to XXXX  from XXXX  in XXXX, XXXX and XXXX havent checked my checking account balance for a while because there wasnt any branch of Citibank here in Nebraska. Meanwhile, identity theft made several deposits to my account and withdrew my money from my account on the XXXX, and XXXX of XXXX, XXXX. 
I came to realize that my account was bounced by overdraft and Citibank automatically closed my account. So, I couldnt access internet banking to get bank statements in order to report this issue to the police. I tried to contact Citibank representatives to report this issue several times but they told me that the investigation was processing now and I need to wait until Citibank will contact me. So I visited branches of Citibank in California and reported the unauthorized transactions. They told me the same thing. 
I have been waiting for the reply for XXXX  months but I havent received any response from Citibank. This morning, I called Citibank customer service one more time and got the information on how to appeal this issue to XXXX XXXX XXXX XXXX XXXX directly. And I requested to update my current address and contact number but the representative wasnt able to do that. So, I would like to request to change my current address and phone number as well. I look forward to hearing your answer about the unauthorized transactions from my checking account and starting out the investigation about my request immediately. 
If you have any questions regarding my request, please contact me at any time. I appreciate your help. 

XXXX 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 explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE BEEN TRYING TO GET UPDATED INFO ALL YEAR LONG ON THIS ONE ITEM ON ALL 3 CREDIT REPORTS IN WHICH THE ACCOUNT WAS PAID AN FULL BACK XXXX AN IT IS STILL REPORTING NEGATIVE THE ONE THAT SAYS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I submitted a dispute twice with Transunion and XXXX about them unlawfully reporting State of Ct Dept of Soc Svcs child support on my credit report without my consent and each time I disputed it, it came back accurate. My latest dispute was XX/XX/2023. 
I have not given you written permission to put anything on my consumer report 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

You have no permissible purpose by law to contact third parties with my private or personal information. I demand this account be deleted immediately off of my credit report.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For approximately the last two years I have been on the phone over XXXX times with Equifax trying to get my account fixed so I can get my credit report I have sent the document after document followed every instruction. Every time I login it does not allow me I have been on the phone with Equifax multiple times trying to login all they do is say theyre going to fix it they never do they keep sending me emails saying its fixed but it never is. I have multiple recordings phone recordings of Equifax saying they dont know what the problem is, and they cant fix it. This is my last time before I file a hefty lawsuit violated every law of the FCRA. I am sick of this I cant speak my credit file because these morons dont wan na do their job Ive had enough. My login email is. XXXX. Attached is the result. The only thing Equifax is going to do is send a message saying were still working on it that has been a response for two years. They dont even answer my phone calls anymore. They dont respond to my emails. They have exactly 7 days to get this fixed or I promise you I will follow federal lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: 2233 Paradise Road LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an email at an old email address I rarely use ( XXXX ) thanking me for applying for a loan. Then another saying my loan agreement was ready to sign. 

I replied back to the emails that I did not apply for any loan and asked for the application information, IP address, and device used to apply. 

Today I received an Adverse Action email from them stating they could not approve my loan. 

I never received any response from them. 

I have never applied for a loan with them and would never use an online loan of this type.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I submitted an online order to purchase liquor through the web site " XXXX XXXX' ( the web site is no longer active or viewable ). I paid {$260.00} through Venmo for the order. The product was never shipped and communication with the vendor went mostly unanswered although on one occasion a representative said the order was " delayed. '' It became clear that the " seller '' was fraudulent when nothing was shipped and all communication from the seller ceased. I contacted Venmo to file a dispute and request a refund, but Venmo denied this request on XX/XX/XXXX. Although Venmo sent my funds as I directed, I believe Venmo knew, or had reason to know, this merchant was fraudulent. I was able to find several complaints online of others who were scammed by the seller in the weeks prior to my purchase. I also made complaints to the international internet registrar organization on XXXX XXXX to " openprovider.eu '' which, based on my complaint and others, parked or shut down the web site within hours. Venmo should have taken reasonable action to prevent the seller from using Venmo, or at least temporarily suspend the seller 's account, but seemingly did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 third 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 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 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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act TransUnion has violated my rights by reporting false information about the following : XXXX XXXX XXXX  late payments. Acct # XXXX It currently shows collection/charge-off. 



15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 



15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



The above account information is false! I have and am experiencing close to homelessness due to this false information. I need this information corrected by removal from my credit report. I have XXXX  children and XXXX  on the way and I care for my XXXX  mother, and it is ridiculous that I must live in a small apartment for how many more months and years! Waiting for this to change?? I need this removed. Below is the information I see that is totally incorrect. I have contacted TransUnion multiple times with no change to this information. It's like they don't even care. I lose sleep and feel like life is exhausting me because of how stuck I am with this credit score being reported so wrongly.

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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 started writing Trans Union on XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature about 3 inaccurate accounts reporting on my credit file accounts from XXXX XXXX ACCOUNT # XXXX, ACCOUNT # XXXX, ACCOUNT # XXXX, This company has not showed me any proper validation of this debt they say I owe to this company. Then I wrote all 3 Credit Bureaus again on XX/XX/XXXX in regards to this debt they say I owe. I never received anything in writing bearing my signature or obligation to pay this debt. On XX/XX/XXXX I wrote letter to both the Credit Bureaus and Collection Agencies I informed both that they had ( 15 Days ) Of completion to reinvestigate this matter. I sent all my letters certified mail. And USPS states that they received my letters on XX/XX/XXXX I informed the Credit Bureaus any automated response or XXXX verification is unacceptable. I requested a reinvestigation AND their METHOD OF VERIFICATION. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I informed them am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumers Financial Protection Bureau An The Attorneys General office should they continue in non compliance. I would like this inaccurate information removed from my credit file immediately. Ive been writing this collection and credit bureaus about this matter for XXXX XXXX years. I need a resolution to this matter.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Being a victim of identity theft, I believe these accounts were opened without my consent or knowledge.

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 2023-07-22
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:
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 accounts 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

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