BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: MoneyLion Inc.
State: DE
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 contacted MoneyLion several times in reference to this alleged account in my name. I called their customer service to report that I had never opened an account with MoneyLion and that it was opened fraudulently in my name, the person I spoke to told me that they would send me some documentation so I could dispute the account which they never sent. I have disputed this account multiple times with XXXX  to no avail, I even submitted and Identity Theft Affidavit with a police report attached. I have tried to dispute with MoneyLion via Email and asked for validation of this debt to which they ignored my disputes then sent me a copy of a form with a computer typed signature that could have been done by anyone including them and after they sent the " validation '' sent me an email stating they were closing my case because they had not heard from me despite the fact that I sent them a dispute via certified mail with a return receipt. When I asked them about the letter I sent via certified mail they told me they had not received it even though I have a signature confirmation that they did receive it. I've even offered to pay this inaccurate account off just to have it removed from my report because it is severely and unfairly damaging my credit because I never signed up for this account and they ignored my emails. I have even disputed this account previously through CFPB and they have failed to respond as of yet! I have been disputing this inaccurate account that does not belong to me for over a year. In that time, the account has been closed on my XXXX  credit report then reopened and then closed again which is also inaccurate reporting! I was able to get it removed from my other credit reports due to its inaccurate reporting but XXXX  will not remove it and claims that it has ben verified even though I have yet to receive any actual verification or validation of this account. This is not the first time MoneyLion has been accused of fraudulent business practices ; see United States District Court case no. 20-55058 DiCarlo V. MoneyLion. This testimony will be forwarded to the FTC since it is unacceptable for a lenders actions to negatively impact a debtors credit when the consumer has informed them that this account is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Kovo
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/2023 this came up with another loan yhat I never supplied for. I don't know what Kovo is and I never got a loan in another town with XXXX XXXX. I have disputed them numerous yikes but it's still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: OR
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:
Experian has not allowed me access to my credit report or credit score to either me, or any financial organization. I have tried to get access to my Experian records/score for years!!! I have submitted multiple requests for help from Experian with NO RESPONSE! As of today, I spoke with them again. Again, I spoke with 6 different people. Again, they either could not or would not resolve the issue. Nor tell me the problem, The only questions I have asked repeatedly is " why can banks, lenders, credit card companies or me, why can we NOT access my Experian credit report or score? No one has been able to tell me or grant access to this report/score. I first discovered this when I went to buy a home in 2020. The financial lender said they were unable to 'pull ' my Experian credit report. As a direct result, I was unable to get the 'best ' rate as my risk was unable to be accurately determined without all 3 credit bureaus reports being available the underwriters. No one I spoke with at Experian was able to fix, resolve, etc. Finally, I ask/beg the US Consumer Financial Protection Bureau to intervene on by behalf. I am SURE that this is happening to thousands of Americans- the result being higher interest rates in millions of dollars in mortgages and credit cards. Bad news for many, many Americans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with SYNCB/XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCBXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  aXXXX SYNCBXXXX XXXX  with no successful resolution.XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft, the information that i have right now posted on my credit report is not correct. 
i need to fix this information cause i think somebody use my information to do froud actions, pursuant to section 605b of the faircredit reporting act and i send all the inf required.

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 2021-06-20
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am submitting this complaint pursuant to the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and the Fair Credit Billing. This collection agency has violated my rights as a consumer and have violated the above Federal laws regarding an alleged collection account that they are attempting to collect on.

PHOENIX FINANCIAL SE, is attempting to collect on an alleged medical debt that I have no knowledge of. The original creditor, their client is : XXXX OF XXXX COUNTY, in the amount of {$330.00}. 

I personally have never received any written notice regarding their attempt to collect of this debt and was never given the right as a consumer to dispute this debt. While they might give you a fictitious explanation or a date as to when they sent a notice out to me,,,,, I never received one therefore, prior to putting this damaging information on my credit. Because of their actions I am unable to apply qualify for a loan to feed my family due to this obvious violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I am a customer of PayPal 22 days ago, PayPal limited my account and asked for some documents such as ID card, bank statement and proof of address in order to fix my account back but since I submitted I haven't heard from PayPal and this is a very unfortunate situation. 

I would want PayPal to fix things right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
The XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX added a collection amount of {$2000.00} onto my credit report XX/XX/2022 via collection agency XXXX XXXX XXXXXXXX XXXX 

This is incorrect. XXXX XXXX XXXX  XXXX paid and approved rent assistance of {$4300.00}. 

I should not be charged any amount. I emailed the XXXX XXXXXXXX at the time of payment and she knew I was approved for rental assistance. 

This is fraud. 

XXXX XXXXXXXX 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 XXXXXXXX

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion continues to list ( refuses to delete ) from my open accounts a mortgage ( previously held by XXXX, now XXXX XXXX ), for {$290000.00}, on a property at located at : XXXX XXXX XXXX, XXXX TX XXXX, that was *closed as satisfied* in XX/XX/2017. 

Both XXXX and XXXX correctly have deleted this account from my credit report, but, despite having been asked multiple times, and having been provided with supporting documentation, Transunion continues to defame/cloud my credit history!! 

This erroneous entry causes me time and effort, ( and possibly a denial of certain loan opportunities, if I choose to explore that species of damages ), and there simply is no reason for it. In fact, when I recently re-financed my current mortgage ( on an ew property ), notwithstanding Transunion is the only agency which still lists that account, I was compelled to get on the phone while the lender 's investigator contacted XXXX XXXX, who confirmed on the phone that the mortgage was aid off, and that this status was reported out to every credit agency!!

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 2023-08-06
Company: CITIBANK, N.A.
State: LA
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:
On XX/XX/2023, I found an unrecognized transaction in the amount of {$290.00} from XXXX. I filed a dispute with CITI Bank which is the issuer of my credit card. A few weeks later I called to check on the status of the dispute and I was surprised they closed it without notifying me stating they needed additional info that I didn't provide. Before this happened, I'd already spent XXXX min with someone from CITI Bank providing all kinds of info about this. I asked them to reopen the dispute based on that, and they told me they will. I called again to follow up and this time they said the dispute was filed under the wrong category and that we will need to restart the whole process from the beginning, although they were the ones who filed the dispute with me over the phone so it should be their responsibility. A few weeks later after so many calls they said they were going to issue a refund until the investigation is over. On my last call with them, they said that no refund will be issued since it has been 90 days since the unrecognized purchase and that there is nothing they can do about it. I explained to them that I'd already disputed this multiple times before this 90 days frame and that I had a very good level of follow-up with them ( more than XXXX calls ) but they just said we can't do anything 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 2023-04-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
THERE ARE ADDRESSES ON MY CREDIT REPORT THAT ARE INACCURATE AND MUST BE REMOVED AS THEY ARE HINDERING ME FROM PROPERLY FILING FOR FURTHER CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian sent me an email with a application for a XXXXXXXX credit card with no impact on my credit score. My credit score at the time was XXXX with XXXX and XXXX before I applied for the card. I submitted the application for the card between XX/XX/XXXX and XXXX 2021 and received a notice of a drop in my credit score from XXXX XXXX. I logged on to XXXX XXXX and saw a hard inquiry from XXXX XXXX/XXXX. I contacted Experian 3 times and was told that there was not a drop in my score while I was looking at the XXXX and XXXX graph wit the same info on both, 5 point drop. Then a Experian agent said the email specifically said the application would not affect my Experian score. I have the email and it reads that it will not have any impact to my credit score. Nothing on that email singling out experian. I have the email. Experian refuses to fix the problem that they created. XXXX told me to contact XXXX XXXX XXXX  ask for a letter of deletion but the bank will not respond to my voicemails.By XXXX XXXX XXXX, the only info I have, I think it is XXXX XXXX. The only financial action that occurred was the XXXXXXXX XXXX application and that is how I know where the drop came from.

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 2023-06-05
Company: EQUIFAX, INC.
State: TN
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 reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer reporting agencies have assumed an important role and have a responsibility to report consumer information to the best of their ability with precise accuracy. I have never been late on payments for this account ( XXXX installment loan, acct # XXXX ). Please investigate and provide me accurate proof with statements showing that these payments were late. If proof cant be provided I sincerely ask these payments be updated to On Time as they should be being that I was never late. Thanks for your time handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I got a JCPENNY Credit Card. The store employees took merchandise and charged it to my credit card and, then, had its partner in crime ( XXXX Bank ) falsely document that I had this fake debt and sent me to collection-agencies-credit bureaus to damage my credit. 

This was because I refused to be blackmailed and give them money to delete the fake debt. Then, I contacted the newspapers and they deleted the fake debt ; but left the interest and fees on my credit card.

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 monetary relief
Consumer complaint received 2023-04-03
Company: Denefits LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Denefits LLC has violated the cares act and my right to privacy by providing this information to CRAs.In addition, this is a medical bill. 

I want this info removed immediately. They violate of 15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late payment for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an online savings account with Citizens Access which is using Citizens Bank name on XXXXXXXX XXXX  and received a XXXX XXXX cent charge on XXXXXXXX XXXX  that the bank could not tell me where it came from, when I told them to look into it they put my account on hold and said it would only be ten days to review and its been longer than ten days and now they are telling me I can not withdraw my funds and close the account until they are done reviewing. I went as far as to speak to four agents within that time two of which asked for my full social security number and a series of generated questions to verify my identity, not of them said they could verify me with the phone number nor email I opened the account with, I told them at this point I could care less about the XXXXXXXX XXXX XXXX XXXX XXXX XXXX in there after they took XXXX XXXX cents, I just dont want an account with my name open that I have no control over, I just want to close my account and I feel like Im being scammed because I just want to close my account and can not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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: Account status incorrect

Complaint:
This complaint concerns my wife 's CLOSED XXXX XXXX XXXX account. 

She was just alerted that her score had went down, And it reported that " REMARKS '' were added that caused her score to go down 6 points. 

The remarks that were added is such : " ACCOUNT INFORMATION DISPUTED BY CONSUMER, MEETS FCRA REQUIREMENT '' My wife or I has not entered a dispute with Transunion. So please remove that remark, as it is clear it was only added to lower her score for that account.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-06-19
Company: EQUIFAX, INC.
State: ID
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX : {$390.00}

Company response to consumer: Closed with explanation