BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
Company: MoneyLion Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had taken out a {$500.00} MoneyLion installment loan via their app back in XXXX of 2019. The most recent balance as of XX/XX/2019 was {$410.00} and change. The payment was submitted to pay it off out of my MoneyLion Checking account which is through XXXX XXXX XXXX. 
My direct deposit went into the account by XXXX XX/XX/2019 and MoneyLion holds the funds until my official " check date '' which is Wednesday, XX/XX/2019 ( today ). By holding the funds they caused the payment for the loan payoff to be rejected NSF and returned, incurring a {$25.00} NSF fee. I contacted MoneyLion to explain that they money was there, but was being held by a loop hole that a lot of major banks use in their checking account systems. 
The rep initially stated he can remove that {$25.00} fee early in the call, which I thanked him for. He then later put me on hold and came back to state that since they sent my loan nsf to their " internal collections department '' that he can't remove the {$25.00} fee, owning up to lying to me on the phone about what he could or could not do. 
He then suggested I pay the fee, then ask the next department to remove it, which I will not pay the fee as the funds were there, but were being held by MoneyLion itself.

The loan was from them, the checking account is with them and they held my money separate from my loan payoff in order to charge me the fees that I am complaining about. 

Also related to this issue was back In XXXX of 2019 I asked MoneyLion to  stop withdrawing my loan payments from my XXXX XXXX account as I was going to discontinue use of that account, they would not give me the option to change the payment source so I contacted XXXX XXXX, in which XXXX XXXX returned those payments back to MoneyLion. I contacted them and it was not until then was I able to update my banking information to my MoneyLion checking account for the payment.

They may report me to my credit bureaus for missing a payment which was in fact not missed, they just refused to take it from the account I requested. This issue violates Federal Law. If a consumer notifies a financial institution that they wish to stop automatic withdrawals, they have to honor that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Through this portal I have filed complaints against XXXX, XXXX, & Transunion. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the " Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/2018 ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. 
Specifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if  the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ...

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 2021-04-28
Company: Southwest Credit Systems, L.P.
State: MI
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:
I settled these loans in full for deletion with the collection agency. Now, XXXX is refusing to update the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: STATE FARM BANK, FSB
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX an autoloan with State Farm bank was obtained fraudulently on my name for the amount of {$24000.00} for a used car XXXX XXXX XXXX XXXX XXXX. VIN : XXXX. I came to realize about this loan because of an invoice of XXXX Toll service with a picture of this vehicle I never had - this invoice was I received at my address. The auto-loanthough, was obtained with a different address, a place I never lived in before. 
On XX/XX/XXXX, I went to DMV and was able to obtain a Certified Title History of this vehicle. I realized then, this car was purchased on my name. I then called XXXX  credit Bureau to obtain a copy of my credit report. I confirmed this unpaid loan hurt my good credit history and created a fraud alert and requested a service for credit monitoring.I also filed a police report same day. I also disputed this loan and they confirmed it was deleted from my report. I also contacted State FarmBank and disputed this loan as well, I was in contact with an Investigator-State Farm Bank Financial Crimes, XXXX XXXX, phone XXXX. He sent me a Forgery Affidavit on  XX/XX/XXXX. I sent all documents requested including my Driver 's license and police report. I thought the problem was solved but then was told I had to file a dispute with all three credit bureaus and called XXXX  and XXXX  ; both came back with negative results about my dispute on the auto loan. The loan remains in my credit as of now XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, U S DEPT OF ED/XXXX. 
Company Inquiries 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

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 2023-05-15
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a credit card account and it popped up on my credit report. Account opened XXXX, JPMCBCARD. XXXX {$2800.00}, want account frozen and person found.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: VA
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:
FromXX/XX/XXXX to the last letter on XX/XX/XXXX, I have sent several correspondence letters to Experian to fix errors on my credit report. I have sent in dispute letters as well as a police report and FTC ID theft report and yet the XXXX account remains on my credit profile. The other two major CRA 's conducted their investigation and concluded with removing these items off of my credit profile because they did not belong to me.The next step is litigation after I have repeatedly given information and reports that were asked of me to get this fraudulent item and balance removed from my credit profile. Furthermore, no information is given from Experian other than the account is old to debate the information I have sent them. This is not how the FCRA dictates these investigations to be completed. A thorough investigation must be conducted and all individuals or documents received from the furnisher should be given which caused the verification must be released to me. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Experian is well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Experian has ignored my request to provide documents that they used to verify the disputed account which means that Experian has NOT verified or can not verify any of the account and under Section 611 ( 5 ) ( A ) of the FCRA, which required you to delete the items when I provided evidence of ID theft. I have repeatedly completed my job to rebut any fraudulent issues on my credit profile.It is now time for Experian to follow suit.

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 2021-02-25
Company: JPMORGAN CHASE & CO.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card, XXXX XXXX XXXX, and XXXX/XXXX XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX Services Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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: Was not notified of investigation status or results

Complaint:
The incorrect information that this company has on my credit report is hindering me from making moves and costing me thousands of dollars in interest every year. Incorrect personal information and unauthorized inquires. I sent letters on XX/XX/2021 it has been wayyyy past 60 days. To my understanding credit bureaus has 30 days to investigate disputes or they must DELETE the information being disputed. I have been patient long enough. I demand that these incorrect items on my credit report be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: SC
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX  XXXX XXXX XXXXXXXXXXXXXX XXXX XXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: STERLING JEWELERS, INC.
State: PA
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 records associated with the account XXXXKay Jewelers with account number XXXXXXXXXXXXXXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX/Kay Jewelers but I did not receive what I asked and these violations persist on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is showing an account still open from a debt collector from a credit that was discharged in Chapter XXXX bankruptcy. I never had any business dealings with the debt collector and and dealings with the credit company who hired the debt collection ended in bankruptcy discharge. It needs to be removed from credit file. I tried contacting XXXX XXXX many times but they will not return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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've recently checked my 3 credit reports and the negative information found is not accurate.I have disputed these items. But without accurate and fair resolution. The items on my report in question are from " Capitol One '' " XXXX XXXX XXXX '' " XXXX '' " XXXX XXXX XXXX '' 15 U.S.C 1681 section 602 A. Rights to Privacy 15 U.S.C 1681 section 604 A. Consumer Reporting Agency can not furnish reports without my consent.

15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting and ( b ) Reasonable procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 spoke with XXXX at Transunion on XX/XX/2021 about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my transunion credit report : XXXX XXXX XXXX  XXXX I did not authorize any of this inquiry. I am requesting that all above unauthorized inquiries be removed immediately from my Transunion credit report due to my identity been stolen.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE DISPUTE THIS ITEMS NUMEROUS TIMES. INVESTIGATION TOOK WELL OVER 30DAYS. I DIDNOT RECEVIED ANY OF RESULTS FROM THE CREDIT BUREAUS. ACCOUNTNAME { XXXX 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 2021-04-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Due to the repeated excuse of Covid-19 Pandemic, I have been battling wrong information on my credit report with all three bureaus since XX/XX/2021. It is now XX/XX/2021. 

I either got no response, or the information remained unchanged, which is hindering me from finding suitable housing to move into, and am in need of permanent housing come XX/XX/2021. I finally decided to move forward with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I've been attempting to request financial assistance for the past few months with no success. They've reported my loan as past due on my credit report. My car has a safety recall, I have been calling the dealership to request an appointment and no one is returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: WA
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/2021 I sent letters in regards to the incorrect information that is on my credit profile. I have yet to receive a response and it has been over 70 days. Im very unhappy that I have been ignored and I have been very patient. It has been a rough time during this pandemic and I am trying to purchase a house for my family but being that there is incorrect information on my credit report it is hindering me from doing so. It has also cost me thousands of dollars each year due to the incorrect information. Being that it has been over 70 days and I havent received a response I demand that these accounts be deleted. I will not keep waiting and waiting. An investigation should have been done by now, now I NEED the items deleted being that they havent done their job in the appropriate amount of time. Im very knowledgeable of my rights and if items arent deleted I will be filing for litigation due to all the stress Ive been caused due to being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This company is fraudulent and needs a thorough investigation. 

On XX/XX/2018 I made my first payment on my credit account with them. They claimed that the payment didn't go though because the bank account I used to pay with was closed. This was a flat out lie. I use that bank account to pay all of my bills with no issue. I even double checked my account numbers, but there was no error. XXXX started charging me returned payment fees, and refused to remove them unless I had my bank send them a notice stating that my bank account wasn't closed. I contacted my bank, and they sent a letter to XXXX on XX/XX/2018 stating that my account was open. After a few weeks passed, XXXX claims to have never received this letter and refused to remove the charges while charging my account with more and more late payment fees. They told me I would have to have another letter sent, so I did, but they claimed to have never received that one either. 

Because they rejected the payment I made on a false accusation of my bank account being closed, XXXX froze my credit card account so I would not be able to make any purchases. While my account was frozen, I returned items that I had purchased with my credit card. I was unaware that my account was frozen because they never sent me a notice about it being frozen. I was only aware that they rejected a payment. The items that I returned were never credited to my bill. I had purchased a defective item that the store ( XXXX ) refunded to my card after an email conversation on XX/XX/2018. The refund amount should have been {$41.00}, and they told me it would take 3-5 days to process the refund. That refund never credited to my bill, because XXXX had froze my account. That same week I went to the store in person to return two other items I had purchased. I lost the receipt for the return, but the returned items were roughly $ XXXX {$80.00}. That return also was never credited to my bill. I have since contacted Comenity multiple times about this and they have done nothing to help. I have submitted proof of the email return and they are refusing to take the charge off of my bill. Instead they continue to charge me fraudulent late fees. I will not pay my bill until my bill is accurate. They are trying to charge me for purchases that I returned. Because I am refusing to pay them money that I do no owe them, they are charging me late fees that they're refusing to take off of my account. They are also still claiming that my bank isn't sending them letters, even though my bank has sent them two now. I want all of the fees they've charged to my account removed, and I want the refunds credited to my account.

Company response to consumer: Closed with monetary relief