BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-01
Company: MoneyLion Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Sunday morning, XX/XX/XXXX, I received two emails from a service called MoneyLion. The first email notified me of a phone number update on an account that I did not open. The second email notified me of a change to the address on the same account. I went to the service 's website and used my email address to change the account password so I could see what was going on. On login, I found my first name and last initial on the profile page, along with my DOB. I am not able to see whether the SSN matches mine or not. The phone number and address do not belong to me. I also have noticed that there is a credit card associated with the account, ending in 4 digits that do not match any of my credit cards. It appears as tho the scammer who opened this account is using PII from a number of sources for purposes of fraud. In order to protect my own PII, I have not changed the address or the phone number and I took screenshots of the information on my phone. The service made me download their app and log in from my phone to see this information. There are no options in the app to cancel a membership or request that they delete or close an account.

I attempted to contact MoneyLion immediately. The service seems to offer a range of personal loans and something called " XXXX, '' with a corresponding membership fee that I can neither find details on nor cancel. They have no " report fraud '' or other emergency security contact information, and when I called the customer service number, I got a message saying they are closed ( Sundays ). I plan to try and call again tomorrow and I have sent two complaints via email, explicitly asking for the account to be closed. The service 's lack of security protection or fraud support as well as the questionable design of the systems are deeply frustrating and I encourage you to investigate this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In 2013 XXXX XXXX XXXX emails were compromised. Several years ago I received emails from from XXXX citing a " settlement '' of credit report monitoring via Experian XXXX. Recently, Experian XXXX contacted me via email stating that they had resolved the settlement and to sign up for credit report monitoring. After applying for numerous jobs and constantly being denied, I did. Then, I started to get " alerts '' that my phone number, drivers license, etc was " found on the dark web ''. I was in the process of applying for a job via XXXX Staffing. The contact there was XXXX. Her number is XXXX. The job involved a FBI level background check and I went to have my fingerprinting done XXXX day, followed by a background check another day. At the same time, I received the alerts from Experian. After reading their " report '', I was appalled and shocked to see court records that were untrue. Loans I did not take out. Every aspect was compromised. I assumed it was true, as my XXXX email had been compromised and subsequently included my XXXX student email, which seems to also be compromised. I have applied for both Covid rent help and now recently Rent help. Both redirect to Neighborly software. These " rent help '' services are further being promoted on the local news and by the City Mayor. To add to that, and having said that, the news continually promoted an Expulsion Expo which I also applied for. I received a response from the County Clerks office stating I was considered, but things were " on hold '' pending Covid in person proceedings resuming. Things about my identity are SO compromised, it makes ones head spin and unsure where to even begin. So, upon filing multiple reports to this and other Federal agencies, I have no recourse but to physically go to the FBI tomorrow and I will be providing them with these reports as well as other fraudulent activities. I am a good human. I need my identity restored and redeemed. I need reputable employment. It is extremely concerning given everything I have said above.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-02-20
Company: Experian Information Solutions Inc.
State: MS
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:
Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXX, XXXX- XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.

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 2023-06-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello my complaint is with the actual credit reporting agency. 
My credit score doesn't not reflect my credit worthiness. I went from an XXXX to and XXXX within two months for not reason. 
First my score dropped XXXX points because I used less than 1 % of my available credit so it made my score XXXX then it dropped XXXX points because I paid off a car loan bringing it to XXXX. I don't understand why this is happening to me, it has happened over and over again and I have complained to the credit bureau letting them know their algorithm is wrong and they tell me that I have to contact the creditor and in these cases there isn't a creditor it's the credit reporting agency. 

There isn't anyone I can complain to nor is there anyone that will take responsibility for the software they are using that determines what a person credit worthiness is based on what ever criteria they base it on. There is not way my credit score should XXXX for the transaction I performed on my credit. I don't have any delinquencies on my report, never paid laid ; have paid of several debits and am continuing to show I am responsible with credit. 

I don't know who to complain to so this can be corrected ; Their software incorrectly, dramatically lowered my score for no reason. 

I need help, please help me this is affecting any sort of financial decisions I want to make.

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 2023-04-05
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:
Account Name : XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX  Card Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX Bank XXXX, has violated my rights .

15 U.S.C 1681 section 602 ( a ) states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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 am interested in processing disputes on my credit report to delete all inaccurate information that is invalid on my credit report. checking my file ive noticed that this has been an ongoing issue. none of the data is accurate on all XXXX credit reports. please review an remove the following data that is listed to correct my file.

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 2020-04-02
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:
These are not my accounts. Please remove them immediately.

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 2023-10-15
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAVE TOLD XXXX & EQUIFAX THIS ACCOUNT IS PAST ITS 7 YEAR EXPIRATION DATE & THAT THEY'RE IN CLEAR VIOLATION OF THE FCRA LAWS. BOTH REFUSE TO REMOVE IT & DECLINE TO DO ANYTHING ABOUT IT BUT LIE TO THE CFPB TELLING THEM THEY CHECKED W/THE CREDITOR. THE CREDITOR HAS NOTHING TO DO WITH THIS BUT THEY DO NOW AS I INVOLVED THEM VIA THE XXXX & WILL INCLUDE THE FTC IN THIS EFFORT IF NEED BE. SEE ALL ATTACHED. AS YOU CAN SEE THE FTC SUED THIS LENDER FOR ILLEGAL LENDING PRACTICES JUST LAST YEAR! I'M CALLING THEM ON MONDAY TO LET THEM KNOW THAT I TOO WAS A CUSTOMER & SHOULD BE ADDED TO THIS SUIT. I PLAN TO LET THE FTC KNOW THAT THE BUREAUS ARE REFUSING TO REMOVE STALE DATED INFO FOR THIS CREDITOR FROM CREDIT REPORTS. THE FTC WILL CONTACT THE CFPB & THAT COULD INITIATE ANOTHER LAW SUIT AGAINST THE LENDER & BUREAUS! YOU'RE THE ONLY 2 STILL REPORTING THIS STALE ACCOUNT. CFPB JUST SUED XXXX XXXX FOR THEIR POOR QUALITY CREDIT PRACTICES. YOU SHOULD BOTH BE NEXT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am behind one year in payments I sent 3 checks {$8000.00} each total value of XXXX on XX/XX/23 via mail Phh mortgage services received my checks but are not applying it to my account when I reached out to them they told my they will look into it I spoke to escalation manager who told me I have to pay an additional {$850.00} because the minimum they could accept from me is {$24000.00} i was told if I paid the {$850.00} with bill pay they will apply all. He said he would be handling the case and I will receive a call from him send the {$850.00} through bill pay and they sent it back when I called they said because the bill pay amount was not the full {$24000.00} that why it was sent back I sent a check for the {$850.00} through overnight mail on the XX/XX/23 the mail was delivered I called them today XX/XX/23 the day the days he was suppose to call me back and was told they have mycheck for {$850.00} but I have to wait on a call from the manager I don't understand why they don't apply the checks they have or send them back everyone I speak to from this company is speaking to me from another country I need help in this matter because have my money to bring my mortgage up to date and they are not doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX ) along with ( XXXX XXXX, XXXX ) I DO NOT HAVE A CONTRACT WITH NEITHER i they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
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 sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA 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 listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$230000.00}

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 2022-11-17
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Received real estate tax exemption from the XXXX of XXXX in our XXXX on XX/XX/2022. We sent this info to the Tax Department of PHH Mortgage Company and it was confirmed they received it via email on XXXX XX/XX/2022. We were informed it would take 10 days to be processed is now XXXX XX/XX/2022 and they have failed to process or resolve anything to date. PHH claims that they 'researched ' themselves ( they did not contact the City Commissioner ) and our tax exemption is only a partial exemption and completely disregarded the provided documentation stating it is a full exemption. They refuse to adjust our payments for the full exemption and have not even adjusted them for the partial exemption. Instead they have ignored taking any action to fix the situation and have INCREASED our payments on a statement dated XX/XX/2022. We submitted a request to remove the escrow account on XX/XX/2022 since we are tax exempt and can bundle our homeowners insurance in with our automobile insurance and so far it seems they are refusing to process that as well We have already verified with the Commissioners Office and received XXXX refund payments of our tax XXXX overpayments issued from the city/county, the other portion was issued to PHH Mortgage since they held our loan for the timeframe of the issued refund. We have not received that refund from them and it is not posting in our account. This inept excuse for a company refuses to do their due diligence and actually contact the city/county to verify our exemption. I wish my mortgage was never sold to them as I did not choose nor would I ever choose a company with this track record. I want to have my payments adjusted appropriately, the escrow account closed and all necessary funds refunded to us in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Paypal Holdings, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt collection letter in XXXX of XXXX about a PayPal debt of {$3300.00}. This was a result of identity theft. I contacted PayPal, they investigated and said I was not liable for this debt. I filed a police report as well. On XX/XX/XXXX I received another debt collection letter from XXXX XXXX XXXX XXXX for a PayPal debt in the amount of {$3300.00}. The debt listed was from XX/XX/XXXX. I believe XXXX XXXX is trying to collect the same debt that was resolved with PayPal last year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last week I received a letter from XXXX XXXX XXXX XXXX stating that they are a debt collector trying to collect a debt that I allegedly owe LVNV Funding LLC.

I do not owe LVNV Funding LLC anything. I have never had any contract with or obligation to them. I dispute the entirety of the alleged debt. This is my formal notice to them to cease and desist all contact with me ( including spouse and family members ) from all sources other than the US Postal Services and that is if and only if, it is : 1 ) To provide documentation that validates the alleged debt, which should include all official, certified, unredacted documents, including all forward flow agreements, as well as the alleged original creditor information 2 ) To provide proof that I have any legal obligation to pay you or LVNV 3 ) To inform me that you have zeroed this alleged debt and disassociated it from me 4 ) To inform me that you have removed all references to the alleged debts account number from all credit reporting agencies and that you have informed them to delete the same 5 ) To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector and/or 6 ) To inform me that you have issued settlement funds for violations for actual, civil, and/or statutory damages in an amount that is to be determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have sent an international transfer using MoneyGram for family support to XXXX. The amount I sent was XXXX $ and it should amount to XXXX SEK. It is my first time using MoneyGram. I initiated the transaction on XX/XX/XXXX. The money was taken from my XXXX XXXX 2 days later, and I received an email on XX/XX/XXXX saying the money was sent successfully and it should appear in the receiver account at XX/XX/XXXX the most. 

When the money didn't show up, I contacted MoneyGram and I opened a case with MoneyGram on XXXX. I got a resolution today on XX/XX/XXXX, saying there was an error on the MoneyGram side and they will return the transfer fee of XXXX USD. Still the money isn't showing on the receiver side. 

I contacted MoneyGram today XXXX to tell them, the money still didn't show up and I wanted to understand if there was a mistake, what was it, when should I expect it in the receiver bank or if they have any transaction Id that I can use with the receiver bank. They provided nothing and the customer support hung up on me. They kept referring to the resolution email which doesn't answer any of these questions. 

My family has called the receiver bank multiple times and there is nothing on their system. MoneyGram isn't allowing me any information that I can use for tracking, they claim the money is deposited and they can't provide me any document or transaction id that can prove that and at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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