BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: MoneyLion Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Moneylion instacash payment of {$730.00} was debited from my account and it was not authorized to pull from my chase account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored about my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you causing me. My information was also impacted by the Equifax breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a debt collection Letter from Credit Collection Services stating I owe them {$110.00} XXXX formally dispute that amount because is not a valid debt. 
I'm attaching my formal dispute Letter in this inquire along with the letter I received from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
On XX/XX/2020, I logged onto the Capital One mobile app to pay off my credit card balance. At that time, my total balance owed according to the app and my statement was {$3400.00}. I paid that amount on XX/XX/XXXX, the due date for my payment. On XX/XX/202, I received an email saying my Capital One statement was ready to view. There shouldn't have been a statement because I had just paid my card off 4 days earlier. I logged onto the app and noticed a new interest charge of {$58.00} had been added on XX/XX/2020. 

I called Capital One 's customer support line on XX/XX/2020 to dispute the {$58.00} charge. I waited in the queue for more than 30 minutes before I had to hang up. I called again on XX/XX/2020 and again waited in the queue for over 30 minutes before reaching a representative. After explaining the issue, the representative told me that he hears this complaint all the time from other customers and that there was nothing he could do about the {$58.00} interest charge. I asked him why the {$58.00} interest charge wasnt included in my TOTAL BALANCE on the app on XX/XX/XXXX, he didn't know the answer. He said next time I want to pay off my card, I should call the customer service line and get a payoff estimate from a representative. I escalated the call to a manager who said that he also gets this complaint regularly, and that he's not sure why the last interest charge is not included in the TOTAL due on the app or online portal. He said he has brought it up in focus groups and meeting aimed at providing better customer service and that at this time, he wasnt aware of a resolution. He also said he could do nothing about the {$58.00} charge. 

My complaint about Capital One is LIMITED TRANSPARENCY. Consumers looking to pay off their card balance should not have to jump through fiery hoops to find out what their total balance due is. They also should not have to call and sit on hold for more than 30 minutes to get an accurate payoff amount from a representative - if this information is available from a representative, it should be available on the app, the online portal, their statement, and everywhere else consumers can go to access their account. It is at best an unfair business practice to have consumers pay off their card balance according to the app or online portal, and then have additional residual interest show up 3 days later. There isn't even a warning on the app that this might happen, which would at least alert consumers to the possibility that their payoff balance may not be accurate. It is suspicious that the interest charge shows up AFTER paying the balance off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Currently my husband and I hold a lot of accounts with USAA Bank. We opened several youth checking accounts but were never told about their secret policy that they have. Back in XX/XX/2021 my husbands XXXX XXXX XXXX called USAA to request a debit card be sent to his address. ( He lives with his mom ). His mom took over the phone call and verified her sons information. She then was able to have a debit card sent to her physical address and on XX/XX/2021 she went and spent all the money in her sons account for herself even though she didn't open this account and is NOT an account holder. USAA never contacted my husband or I that a new debit card has been issued or that the XXXX XXXX XXXX had called in. According to them any child ages XXXX are account holders and as long as they can call in customer service and give permission to a " legal '' guardian than that said guardian can them make changes to the account including ordering a debit card, having it shipped to a different address than on file and are able to access the funds in the account. They are treated as an account holder even though they are NOT an actual account holder. This is not listed in the terms and conditions or disclosures. If we were told that a biological parent could become an account holder by the say so of a minor we never would have opened these accounts. I asked for documentation that states that is a policy and they said that they cant not provide that to us. So basically money that does not belong to you can become yours as long you can get a minor to say you are there legal guardian and have the DOB or SSN information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am a victim of some sort of ID attempted theft. I researched how to file a proper dispute. I followed the FCRA and the CFPB guidelines on what information is needed to file the dispute. I filed a dispute with Transunion on XX/XX/XXXX. I received a letter dated XX/XX/XXXX plus days from the receipt of my letter. The letter read that they didn't believe I was me!! Now according to the FCRA and Philbin V. Transunion , LLC, 101 F.3d957, 961 ( 3rd Cir.1996 ) A Plaintiff must prove ( 1 ) an inaccuracy ( 2 ) failure to follow reasonable procedures ; an injury and ( 4 ) the injury was caused by the inaccuracy, " A CRA responding to a dispute must make a good faith effort to determine the accuracy of the disputed item or items. In other cases, the CRA must conduct a reasonable investigation that, at a minimum, would include checking with the original sources '' This is from a FTC staff report XX/XX/XXXX page 76. I enclosed in my dispute a copy of my drivers license which has my true address, a copy of my social security card as well as a copy of the FTC file that I was advised to fill out by the FCRA and the CFPB. If the Bureaus aren't going to investigate and can simply say we dont believe you are you then what is the point of consumer protection? If Transunion can never afford me the true investigative latitude thats afforded to me by the consumer protection act what then does a consumer do? By the way I copied this information off of the internet apparently Americans are having a real problem with Transunion. Please Director XXXX make an example of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: AR
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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Acy section 605b, you are expected to remove the disputed items since these items resulted due to identity theft. I am requesting that you comply with the law and remove the disputed items as soon as possible.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: AL
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2022-10-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, 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:
On XXXX, I submitted a dispute request to Equifax about a debt that was already paid off on XXXX, but it wasn't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citi Bank offered a sign up bonus of {$700.00}. I opened and funded the account. Kept required balance in for the XXXX plus XXXX days - they did not pay the bonus. Called them multiple times to no avail. Now at over XXXX  months since opening. I want my {$700.00}. I have withdrawn most of the balance and want my bonus and to close and never deal with them again

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 2022-10-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: NJ
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 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 2022-04-12
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello My mortgage servicing company is Specialized loan servicing company. I have tried to work with them for the last 4 years avoid Foreclosure I submitted over XXXX no modification packages in SLS continue to state that it was incorrect because the system did not recognize my handwriting or did not recognize that that document was the correct document I even work with XXXX XXXX organization organization XXXX XXXX. They continue to give us the runaround to the point there was nothing else to do back in XX/XX/2020 I pay the {$40000.00} to save my house. In the month of XXXX I missed a payment I called to be put on a payment plan for only XXXX months the guy did my paperwork. they draft the money out of my account but continue to send the link for the letters. I called to inquire about the letters and they stated that they saw the payment plan but the system sometime didnt update and therefore I had to do another payment plan which increased my payments additional {$400.00}. Now Im paying XXXX on a XXXX mortgage. I asked for a forbearance and hardship assistance. A representative will state that I will receive a letter, and I never received a letter. During height of Covid-19, I asked and never received assistance and a letter of explanation.SLS company system scanner doesnt recognize sent documents correctly. This process has caused deep 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 2019-06-28
Company: EQUIFAX, INC.
State: VA
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:
An unauthorized account appeared on my credit report. I unsuccessfully attempted to contact Equifax to rectify the problem. I called the following numbers : XXXX XXXX XXXX XXXX XXXX The only number that I was able to reach anyone at was XXXX. The representative at this number told me I needed to call XXXX to file a dispute. I called that number twice and it rings for a long time until a I receive a recording that says something like there is no one avail take your call. Were sorry but your call will now be disconnected The other numbers I received from the chat function on the Equifax website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2021-11-10
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I went to apply for a loan and was denied. The credit report showed a bankruptcy. I ordered my report from LexisNexis and there are multiple inaccuracies on the report. The main thing is they list a bankruptcy showing on my report, I called the clerk at the court and she said they have no record and I asked them how can this be put on my credit file? She said LexisNexis was the company that sells public record information to the credit bureaus. I disputed with all 3 credit bureaus and they all came back saying this information was validated through LexisNexis. LexisNexis states they verify this information through the court so I called the clerk at the court again and she stated that they do not verify court case information and how could they verify something that isn't there. So now I am requesting LexisNexis to delete the bankruptcy information from their report as it is erroneous and they have zero proof of validity of the information. this has caused different financial institutions to deny me credit and also close active accounts that I have. This has to be some sort of violation of law for a company to sell/furnish/publish information that is not accurate to companies that use this information for credit/employment/housing/insurance/etc. I am going to consult an attorney because this is terrible how much money I have missed out on by the misrepresentation of LexisNexis data and almost lost my security clearance for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Velocity Portfolio Group
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Acquired unsecured loan from lending tree in 2019. Requested {$15000.00}. Received {$14000.00}. 
{$900.00} loan origination fee never disclosed. 
Made payments on loan amount received for over a year. Lock down due to covid 19 caused loan to fall into default. Now loan is in collections. 
Collection company states I owe {$15000.00} plus court costs. Default judgment awarded to collections even though I disputed collection amount. 
How can I owe more than the original loan amount?

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