BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my credit report, someone opened an account with " Moneylion Inc '' on XX/XX/2018 using my personal information to do so. I have tried repeatedly to have the information removed from my credit reports as it is the result of identity theft, but Moneylion Inc. has fought tooth and nail to prevent that from happening. Calls to the companies customer service department have gotten me nowhere and when I try contacting them using the phone number on my credit report ( XXXX ) XXXX, the calls go straight to voicemail, which I have left over 10 of to date, without receiving a single call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: 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 2023-08-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXDEPT OF ED XXXX Balance : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DOFED XXXX Balance : {$9000.00} XXXX/DOFED XXXX Balance : {$4000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My credit card was turned off. ( XX/XX/ ) Even though I called VCU ( vystar ) months ago, even over a year ago to address a financial hardship I had encountered I was told that I would have to jump through some hoops, and even then there would be no promise that the interest would not stop accruing against me time and time again I would find a time to call or go into the bank itself to figure this out time and time again I was turned away without a resolution whereby I would be continually charged monthly, the accrual of interest. In three years I found it incredibly difficult to keep those payments going and now that I have this letter here informing that the credit card has been closed I feel disenfranchised. The approximate {$1400.00} that I have spent on that card which is under its limit skyrocketed to over XXXX when I could not make the minimum monthly payments. Even though I did correspond with this bank and attempted to explain my situation, I was given no do course for a resolution. This coincides with a charge to my checking account with them, that, even though I tried numerous times to address, including going into the branch, and having personnel there verify the lost money I was unable to see it all back, and as a result of being in financial hardship, that checking account was closed due to drawing a negative balance. Where I thought I had given my due diligence to point out the fraudulent charges in person at the bank one or maybe two of those charges was overlooked resulting in a few XXXX dollars being extirpated from my pocket I trusted this bank with my money to protect me in my identity and now I feel at a loss, maybe if I had more money or income they wouldve treated me better I do feel discriminated against. It is possible that it I somehow miss managed information on my end. However, having submitted the claim for at least three fraudulent charges, I have no paperwork here and no emails that would show any effect of what charges were even addressed.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have been disputing with XXXX, XXXX, TransUnion and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, XXXX, TransUnion and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, XXXX, TRANSUNION AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

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 2022-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2022, I called Experian, XXXX, and XXXX to dispute incorrect and inaccurate personal information in my credit file, causing serious risk to the security of my personal information/identity, including my credit report ( s ) being mailed to inaccurate addresses. 

With Experian and XXXX, I verbally confirmed my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted, with an updated copy of my credit reports mailed to my current address after corrections and/or deletions. 

With XXXX, I verbally confirmed all my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted. I also verbally verified the time it would take for the updates, was provided confirmation numbers for each item ( i.e., name, address, phone number, employer ) and requested an updated copy of my credit report mailed to my current address after corrections and/or deletions. 

Attached are documents showing the only, and 100 % correct, personal information that should be on my credit reports, with notes of corrections and/or deletions from the verbal conversation written on each. 

On XX/XX/2022, I viewed my credit reports from Experian, XXXX, and XXXX online, and my personal information section still contains inaccurate, incomplete, and outdated personal information, putting the security of my personal information/identity at severe risk.

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 2023-08-18
Company: EQUIFAX, INC.
State: NV
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 submitting my follow up complaint to the XXXX, Equifax and XXXX Credit Bureaus with the assistance of CFPB. I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. Once more the ACCOUNTS in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the XXXX, Equifax and XXXX Bureaus to remove these specified accounts below : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXXXXXX Account Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Account Balance {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXXXXXX Account Balance {$15000.00} XXXX : XXXX XXXX XXXX Account Balance {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
After opening this free checking account for XXXX XXXX, I was not able to perform online transaction without a PIN number. Customer Service stated that they would mail me the no. I never received it. I had to call several more times but in the meantime I got a dormant account penalty of {$5.00}. On XXXX. I called local XXXX, Mo. branch and talked to XXXX XXXX and he told me that he would have the bank manager reimburse me the {$5.00}. Then on XXXX I checked for the reimbursement and found out not only was it not taken off but an additional {$5.00}. Was placed onto my account which made {$10.00}. Dormant fees for an account that I couldnt use because they never would send me the PIN number. I talked to XXXX at XXXX branch and he promised me that the XXXX. Would be reimbursed but it never was. 
I went to the bank branch on XXXX and asked XXXX again to refund me and he said that he could not. I had to close the account to keep from taking more of my money. 
I feel like it was not dormant but I was not able to transfer funds into it without the PIN That they would not help me get.- it was their fault and they stole my {$10.00} from 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 2023-08-18
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a keyboard from XXXX in XXXX, it arrived damaged, I asked for a return and was given an address in XXXX, not a pre-paid label. I check and it would have cost up to {$80.00} to ship back a {$130.00} item. I filed a dispute with Discover, it went back and forth. I contacted Discover asking for an XXXX agent, as I am XXXX, I was given a supervisor, I was in tears, the supervisor stated he would make a one time exception and refund me the amount and end this dispute once and for all and that I would never hear about it again. Today I wake up to a letter stating I owe the money again! They are unwilling to help me, lied to me, and are now assisting XXXX in defrauding me. " They never provided me with an XXXX agent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: LEXISNEXIS
State: OK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Lexisnexis XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX GA. XXXX XXXXLexisnexis.com
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
The company is providing inaccurate credit information whereby denying me housing. The company uses several names: Lexisnexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc.  The company also says the information was provided by XXXX XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
- I HAVE ACCOUNT WITH CAPITAL ONE CREDIT CARD, ON XX/XX/2022 I PAID BY PHONE {$160.00} ( TRANSACTION XXXX ). 
- ON XX/XX/XXXX I PAID {$77.00} and my balance to pay was XXXX. 
- ON XX/XX/XXXX, PER A REFUND OF ITEM I RECEIVED {$190.00} AND WAS IN THE CREDIT CARD AS CREDIT. 
- ON XX/XX/XXXX CAPITAL ONE CREDIT CARD COMPANY CHARGED ME {$160.00} POR A TRANSACTION THAT I NEVER DID ( MY LAST ONLINE ORDER TRANSACTION WAS IN XX/XX/2022 ), ALSO I DIDN'T RECEIVE ANY ITEM - *****IN XX/XX/XXXX AT XXXX ; XXXX, I CONTACTED CAPITAL ONE AT PHONE ( XXXX ) XXXX XXXX, THE REPRESENTATIVE INFORMED THAT CAPITAL ONE IS NOT GOING TO REFUND ME {$160.00} THAT THEY TOOK FROM MY ACCOUNT. 
- *****ACCORDING WITH RECORDS : CAPITAL ONE ON XX/XX/2022, RECEIVED TWO PAYMENTS FOR {$160.00} AND {$160.00}. IN XX/XX/XXXX I JUST PAID {$160.00}. MEANS THAY NEEDS TO REFUND THE MONEY TO THE TD BANK, INSTEAD OF TAKE MONEY FROM MY ACCOUNT ( I CONTACTED ON XX/XX/XXXX, XXXX XXXX PHONE XXXX XXXX XXXX AND THEY STATE " WE MAKE A CAPITAL ONE DISPUTE ON XX/XX/XXXX, FOR {$160.00} THAT THEY CHARGE ME EXTRA ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Resurgent Capital Services L.P.
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 have called all the credit bureaus to dispute fraudulent accounts. Most have been removed, however, there are 3 lingering that keep SERIOUSLY affecting my credit score. 

None of the creditors will speak to me as I can not provide the security details. When I ask for a supervisor, I get hung up on instead of assisted. 

XXXX XXXX Last reported XX/XX/XXXX XXXX  XXXX XXXX- Last reported XX/XX/XXXX, {$1400.00} LVNV FUNDING LLC- Last reported XX/XX/XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
XXXX XXXX, please put my credit card back on my equifaxs credit file i didnt tell equifax ti delete it at all, i did not file no complaint ti have it taking off, so add my card back on my report this credit card was deleted off my credit report with equifax see please add this card back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
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:
I have contacted XXXX XXXX  XXXX  ( inquiry XX/XX/XXXX ), Credit Acceptance ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

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 2023-03-09
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX XXXX Purchase - {$1100.00} XX/XX/XXXX XXXX Purchase - {$1300.00} XX/XX/XXXX XXXX Purchase - {$2400.00} Hello, These charges on this card are not mine. I'm not using this card as much lately and I see about {$5000.00} worth of fraudulent charges. I dont use XXXX I dont know if that is a shipment of something but I KNOW I havent spent {$5000.00} like that. I called twice as soon as I saw and they said " Capital One is Closed '' so until then Im sending this. Thank you. 

Thank you.

Company response to consumer: Closed with explanation