BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: NC
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:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. I've made a list of the details on my personal information that is falsely reported and that must be removed or updated immediately. 

Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 

Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Request was made on XX/XX/20 seeking loan forbearance to delay mortgage payments during the COVID-19 pandemic. I've been furloughed with reduced income. My monthly payment is {$2100.00}. Many lenders are allowing forbearance, whereas Rushmore Loan Management Services refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: SC
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:
I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, XXXX XXXX, and EQUIFAX ) that I am requesting that they are investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2018-09-06
Company: MoneyLion Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XX/XX/2018, I was issued a loan from MoneyLion for {$850.00}. To date, I have paid {$820.00} which has cleared and posted plus another {$200.00} which is in process for a total of {$1000.00} ( 5 payments of {$200.00} ). MoneyLion has received full payment of the {$850.00} borrowed plus {$180.00} in fees. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$850.00} loan, the fees collected should be {$120.00}. I have paid {$57.00} more than this amount. 

MoneyLion is still planning to collect another nine payments of {$200.00} ( {$1800.00} ). If I pay those remaining payments, I will pay a total of {$2600.00} for an {$850.00} loan. I will pay {$1800.00} in fees. 

This is PREDATORY, OBSCENE and APPALLING!!! MoneyLion preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL.

Once my fifth payment of {$200.00} is posted to my account, MoneyLion will have collected {$1000.00} on the {$850.00} loan. At that time, I want my account marked " Current/Paid in Full/Closed ''. I am requesting MoneyLion absolve me of the remaining 9 payments as that is predatory lending at its worst.

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 2022-04-13
Company: EQUIFAX, INC.
State: CO
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: Problem getting your free annual credit report

Complaint:
Equifax has no record of my credit, despite XXXX and XXXX reporting my credit scores. My husband and I are trying to get a loan for a house, but lenders are unable to get my credit score from Equifax, and as such are having to report my average score as lower than it would be otherwise. I have been informed that if we don't fix my Equifax score then we won't qualify for a mortgage. 

I have contacted Equifax multiple times to try to determine what the problem is or how to get my credit reported normally, but they have not provided me with a way to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had 30 days late payment on XX/XX/XXXX from BMW. ( It's paid off never had late payment ) Staring call BMW service on XX/XX/XXXX ask them to remove 30 days late payment XX/XX/XXXX. I ask them politily to remove 30 days late payment. At this time everything was going well and told me to send goodwill letter to them and I did. Around XX/XX/XXXX I call bmw to check the result. when i had chance to talk customer service one of the assistant told me that BMW sended it out to all credit bureau. I even double check with this assistant. 
About week later nothing was changed. So I called BMW service what was going on? 
they told me they declined what i ask for.. I did complain about previous assistant what he said to me ... .still nothing was changed. I thought it was going to be removebecuse how it went ... I'm disappointed their decision. Also 3 major credit bureau was not helpful at all keep asking me to get a delete letter from leader because they have no power to remove anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an deposit of {$12000.00} from the SBA government agency on XX/XX/XXXX  to my PNC Checking account and on the next day on XX/XX/XXXX  they revoked my online access to my account and froze my account. They said it was fraud when I only had the account for 3 weeks. I called PNC customer service 4 times on XX/XX/XXXX  and no one could give me an answer on why my account was locked and my funds was on hold. So I went into the local branch XXXX XXXX XXXX XXXX in XXXX, FL and spoke with XXXX XXXX and she didn't provide me any answer about my account but told me to come back later or she will call me. I provide her with my bank card, driver license, loan documents from the SBA agency showing her this is not fraud but she just said we will call you. I still haven't heard anything from them regarding my account or funds. I have XXXX kids and I have no money to pay my bills and the result of this will have us homeless with no where to go. It has been 36 days now and the company promise it will be done in 30 days. I have called every day since XXXX/XXXX/XXXX  to speak with XXXX XXXX at PNC Client Relations department and she have not told me anything and she is rude every time I call her. She refused to work on my case and no one have provided me date on when my money will be sent back to the SBA government agency or a reason why my money was held in the first place. I need this resolve asap now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I received 29 posted charges of {$19.00} from " XXXX '' which I did not authorize deeming this was fraudulent activity. On XX/XX/XXXX, I received another XXXX posted charges of {$19.00} from " XXXX '' which was again, fraudulent activity. I disputed the first 29 charges because they were posted charges and was credited the {$570.00} from a Chase claim supervisor named XXXX. Once the remaining 28 charges were posted, I filed another claim which I was credited {$550.00} 2 hours after the call. I did not approve nor did I make the 57 charges of {$19.00} ( {$1100.00} ), every person I spoke to also agreed that this was fraudulent activity. The Chase supervisor who helped me out was " XXXX XXXXXXXX '' and provided me with information such as reference #, claim #, but no documentation about my claim. I was also told that I was going to receive information and never received any email, notifications, or documentation regarding my claims. I have spoken to Chase claims about 4-5x with each phone call being 30 minutes to 1 hour. All of which they stated that I was going to receive documentation about my claims, none of which appeared in my account or email. On XX/XX/XXXX, I just discovered that 32 claims were reversed totalling {$630.00} because my debit card is at a balance of " {$0.00} '' and I received an email stating I was in danger of an overdraft fee. Chase has now reversed {$630.00} of fraudulent activity without even explaining or updating me about my claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-15
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX i was checking my credit report and found that I had a collections account on my XXXX   credit report for medical services from a company by the name of XXXX XXXX XXXX XXXX on the dates of XX/XX/XXXX for {$85.00} XXXX and XX/XX/XXXX for {$1000.00}. I have never sought medical treatment at this institution and would never seek such services outside my current care provider. I have never received a bill from this company or any other communications other than this debt being placed on my credit report. I have reported this incident to the local police department, but because i have never received a bill from the company, they could do nothing about it.

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 2023-02-07
Company: OneMain Finance Corporation
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:
XXXX XXXX XXXX Account # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to report a violation of the Fair Credit Reporting Act by One Main Financial This creditor has re-aged an account on my credit report, which is a violation of the FCRA XXXX This account should be removed immediately from my credit report. The creditor has reported an account that was closed in XXXX as being open and active in XXXX. This is a clear violation of the FCRA, as it is illegal for creditors to report inaccurate information about accounts that have been closed or paid off. 

Reaging an account is a violation of the Fair Credit Reporting Act ( FCRA ). This act states that creditors must not report inaccurate information about a consumer 's credit history. Reaging an account involves changing the date of delinquency on a consumer 's credit report to make it appear as if the debt is more recent than it actually is. This can have a negative impact on a consumer 's XXXX XXXX and can lead to higher interest rates or even denial of credit. 

I have included documentation with this letter to prove that the account was closed in XXXX and should not be reported as open or active on my credit report. I request that this account be removed from my credit report immediately and that any negative impact it has had on my XXXX XXXX be reversed. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: OH
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 have credit freeze, a fraud alert, credit locked, and social security number frozen. i keep getting alerts that i have new accounts. How can that happen? It's always XXXX  XXXX XXXX. I have talk to them over 5 times over the last 3 months about me not applying for this card. They say they will take care of it, but once again XXXX  XXXX XXXX approved a card with a {$12000.00} credit limit. I have also talked to all XXXX credit reporting agencies. Nothing seems to get done. This is starting to effect my health. I am at my wits end. PLEASE HELP!!!!

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: United Collection Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
United Collection Bureau Inc. sent me a bill on XX/XX/2022 ( UCB Reference Number XXXX ) for an outstanding bill from XXXX XXXX XXXX, which was paid in full I have previously made more than 4 calls to the provider XXXX XXXX XXXX in regards to this matter. Each time I am told not to worry, they see the payment was mis-coded and to wait 30 days for a correction. Each month they send another bill. 

Now I am receiving automated calls from this collection agency for a bill that was paid via my Flexible Spending Account on XX/XX/2022. I've included a copy of the check cashed by XXXX XXXX XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: MO
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:
Student Loans - XXXX Dates : 2021 - XXXX XXXX ( 7 occurrences for Balance update ), XX/XX/XXXX ( 7 occurrences for Balance update ) Amount : Action taken : Contacted XXXX  for resolution Fie a dispute with credit bureaus ( Experian, XXXX and 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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My past bankruptcy is still being reported even though it is over 10 years now

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 2020-02-17
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:
us dept of ed/XXXX is a negative account, account no XXXX .... appearing, wrongfully with damage to my credit rating on experian and transunion accts. 
The famously wrongdoing creditor was cited recently in the news as one of their chief executives quit because he couldn't stand the chaos.He said we get over 500000 requests for credit correction per month.They are not being investigated but verified without any investigation on the part of the creditor.This executive was 2nd or 3rd in power to XXXX, the presidents new appointee to head the DEPT OF EDUCATION. 

ON MY ACCOUNT THE FINAL PAYMENT WAS MADE BY ME ON XX/XX/XXXX. 
I NEVER MADE A SINGLE PAYMENT AFTERWARDS, THE DATE OF FIRST DELINQUENCY IS XX/XX/XXXX LEADING TO CLOSURE/TRANSFER.THIS ACCOUNT ACCORDING TO CURRENT CREDIT LAW OF CALIFORNIA SHOULD HAVE BEEN DELETED NO LATER THAN XX/XX/XXXX.YET BOTH BUREAUS CONTINUE TO REPORT WITH THEIR INACCURATE PAYMENT HISTORIES AND ILLEGAL DAMAGING REPORTING, QUITE GRAVELY SO WITH STATUTORY DAMAGES ACCORDING TO THE FCRA

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 2021-03-01
Company: C/C Financial
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Preferred lease was mailed a check in the amount of {$280.00} for the 90 day payoff on my lease. They kep saying it was not recieved. The check was mailed from a title company as I inlcuded it in my home closing. I kept calling and they said it was not there so my 90 day payoff deadline arrived. I did not want the lease/loan extended with added interest so I paid out of pocket with a debit card because my check supposedly had not arrived. I went back to the title company to have them cancel the check and low and behold Preferred Lease had processed my check on the prior to my debit card payoff. I then requested refund 3X to which I was told is was approved on the XXXX of XXXX and it would go back on my card ending in XXXX. Please pull this phone call it was on the XXXX of XXXX. The last CSR I spoke to on XXXX is now saying it was never approved and can not be returned on to my card. I will attach the processed check, Preferred lease owes me {$280.00}. They ended up firing the manager that was supposed to approve my refund, it was never approved. None of this was ever told to me. I have called 5+ times, and I just want my money back ASAP. XXXX, was extremely rude and condescending I really don't appreciate her calling me a XXXX and saying I did not have a refund.

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 2023-02-07
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
LexisNexis Kept disregarding my disputes, by telling me they want me to send them a proof of id verification, last check stub, and cell phone bill. I sent them a certified letter, and they never responded. Attached is copy of driver license, copy of phone bill, copy of last check stub. The matter is a bankruptcy, I contact the bankruptcy courts in XXXX and they responded with a letter that I will attach below. They dont provide court records to credit bureaus. 

>I have previously disputed this item with you > XXXX XXXX XXXX MICHIGAN. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.<

Company response to consumer: Closed with explanation