BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: WLCC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My employer was contacted about a wage garnishment via Apex Servicing, stating that they represent XXXX XXXX. They informed HR that a loan was taken out and not repaid, so written notice was sent to me and that I acknowledged the garnishment. The issue is that I never heard of Apex Servicing in my life, never received a written notice about a garnishment, so I was very confused when this Apex contacted my employer. I decided to do a XXXX search of " Apex Servicing '' and what I found was infuriating ( see below from XXXX XXXX XXXX  ) XXXX warns Washington consumers : -Apex Servicing is not licensed as a collection agency by the Washington XXXX Department of Licensing ( DOL ) . Apex Servicing is not registered to conduct business in Washington State by the XXXX, the Department of Revenue, or the Secretary of State. 
XXXX XXXX is not licensed by the Department to conduct business in Washington XXXX. The Department previously issued a Consumer Alert about XXXX XXXX, a company asserting to be owned by the XXXX XXXX XXXX XXXX XXXX of the Stewarts Point Rancheria, a federally recognized XXXX XXXX. You can find this alert here : https : //dfi.wa.gov/news/alerts. 
XXXX XXXX is not licensed by the Department to conduct business in Washington XXXX. The Department has issued a Consumer Alert about XXXX XXXX, a company asserting to be owned by the XXXX XXXX XXXX of XXXX XXXX, a federally recognized XXXX XXXX. 

Not only did Apex Servicing try to sneakily force my employer to illegally garnish my wages, I was not sent notice to my home nor is Apex the lender in which I established a loan. 

I have not heard from XXXX XXXX about this situation, I figured this was the best way to receive an honest and true response. Please see below for supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: GLOBAL PAYMENTS DIRECT INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal computer was stolen and all my information was on there. I just got the billing statements arrived today I have never been on this website. Contactinfo is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: MoneyLion Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from MoneyLion ( issued by XXXX ) on XX/XX/2021 in my personal XXXX account states that " Your new MoneyLion Debit Mastercard is on its way ''. Apparently, someone was able to open a checking account under my name with a company named " MoneyLion ''. I called MoneyLion XXXX XXXX XXXX on XX/XX/2021 and spoke to a representative, XXXX XXXX, once she verified some basic information about myself, she was able to close the unauthorized XXXX  account ( checking account ), and sent me an email. As my understanding, my identity information ( name, date of birth, SSN, address, email ) was stolen. I have no idea who did this and why this company issued a banking account under my name with no credit verification. I hope you do your best to get to the bottom of this. I placed fraud alert on XXXX, XXXX, XXXX, and XXXX. Thank you in advance. Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: In progress
Consumer complaint received 2021-11-11
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: Information belongs to someone else

Complaint:
I noticed these fraudulent inquiries on my XXXX and Equifax credit reports and I've disputed them several times with the companies and XXXX and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-02-11
Company: Experian Information Solutions Inc.
State: MI
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 filed a complaint XX/XX/XXXX and Experian was able to respond XX/XX/XXXX because they did not do an investigation at all. This is how they are able to give immediate responses. They have continued to violate the FCRA by not providing verifiable proof of any information. The FCRA was put in place to protect consumers and I don't understand how Experian is continously able to get a way with this. Experian has failed to follow reasonable procedures and failed to conduct a reasonable reinvestigation with respect to the inaccurate bk information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023.

Company response to consumer: In progress
Consumer complaint received 2022-01-27
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22, I attempted to pay the Venmo user @ XXXX the amount of {$650.00}. I was expecting a tracking number from him shortly afterwards, however when he stopped responding to my messages, I realized that he was a scammer. I quickly contacted Venmo to report his account and was told that the necessary actions would be taken on his account, but that those actions could not be disclosed to me. I then contacted my bank to ask them to stop the payment. 

Then, the next day, XX/XX/22, I received a reply in the Venmo app to my payment ( presumably from @ XXXX ) that said " Refund will go through by tomorrow account is frozen. '' I'm not sure who made this comment, whether it was him or an Venmo admin person, but when I contacted Venmo, they confirmed that an attempted refund for {$650.00} was made on XX/XX/22, however the refund did not go through. They were not able to disclose the reason the refund was rejected. On XX/XX/22, I received a notice via email that my Venmo account is frozen, that I need to send Venmo {$650.00}, and that this was an attempt to collect debt. 

When I contacted Venmo again, they didn't offer any assistance other than saying, " We take these reports seriously and I can confirm that we will take appropriate action against the receiving account. However, we are not able to discuss the specifics due to our Privacy Policy. ". This leads to me to believe that they also froze @ XXXX 's account and incurred an negative balance on his account as well. If they are trying to collect money from both him and me, then I believe that would be considered double dipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : XXXX XXXX XXXX XXXX {$5700.00} XXXX {$3400.00} XXXX XXXX XXXX  {$580.00} XXXX/XXXX XXXX {$660.00} XXXX XXXX  {$430.00} XXXX {$18000.00} XXXX XXXX   {$38000.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: National Collection Systems, 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:
I have disputed this entry for National Credit Management several times. I have repeatedly asked them to send me a copy of the signed, exclusive contract between National Credit Management and myself for repayment. The only response I've received from them is documentation I've had with my school. They refuse to send me a contract stating conditions for repayment between me, XXXX XXXX and them, National Credit Management. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received mail saying that I owed money for a credit card from XXXX. I sent a letter out explaining that that was not at my debt. Time went by and it was still on my credit report. Then I went on to file with the FTC then it was taken off the months later I received a letter from Resurgent Capital Service saying that I owe them {$1800.00}. Then my payroll company contacted me saying that my wages were going to be garnished. Then I received an email saying that I my next court date is in XXXX. That can't be the case because I never had a first court date for them to put in an order to garnish my wages. That is a violation of my rights to garnish my wages without me first appearing in court after I filed a FTC report reporting that this debt did not belong to me and was a result of identity theft. Now my wages are going to be garnished for the first time in XXXX and my court isn't until XXXX. I can not afford for 25 % of my gross income to be taken out of my checks for a debt that doesn't belong to me. I want these garnishments removed because that debt does not belong to me.

Company response to consumer: In progress
Consumer complaint received 2020-01-07
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:
Since 2017, XXXX XXXX and XXXX XXXX XXXX say i owe {$23000.00} dollars when i don't. As a result i have been denied 2 mortgages. I filed 3 disputes with XXXX and equifax and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to equifax and XXXX and XXXX XXXX XXXX I have no judgements against me from anyone. 

The refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion was contacted about unauthorized inquiries. The representative told me that they could not be removed unless the creditor gives a letter. I informed the representative that these companies have been contacted and they do not have any information with my name and can not provide me with a letter. The customer service representative stated that these inquiries will remain on my report. I really need someone to investigate this matter. I did not authorize these inquiries. 

XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX    XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For months I have been disputing a few accounts on my credit report that are reporting inaccurately and all the credit bureaus have been doing is stalling me out, they either tell me it has been verified and when I asked how was these items verified I have yet to hear back from them and its been well over 60 days or the tell me they weren't sure if it was me sending the disputes another stalling method I have sent the dispute with a cover letter, notarized along with proof of address and identification. 
I will attach my credit report you will see the clear errors. 
from my DOB, Balances, Dates Open & Closed, Account Status, Payment History Etc Etc.

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 2023-04-17
Company: EQUIFAX, INC.
State: MO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE AN INQUIRY FOR XXXXXXXX XXXX XXXX  XXXX XXXX. I DID NOT APPLY FOR ANYTHING NOR GAVE PERMISSION FOR MY CREDIT TO BE RAN, I ADDRESSED IT WITH COMPANY THEY APOLGOIZED AND SAID I HAD TO DISOUTE, I TRIED DISPUTING YET IT IS STILL ON MY REPORT. THIS IS VERY UNFAIR THAT I HAVE AN INQUIRY FOR SOMETHING I DID NOT APPLY FOR.

Company response to consumer: In progress
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 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. Under 15 USC 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX. 2022 I was out doing deliveries and it came time to fuel my car with gas. I went inside to use my card and it was instantly denied. Now earlier that morning, I checked my account and deposited funds from my delivery gig and was able to see My balance. I tried to swipe multiple times ( chime credit builder card ) as I knew the funds were on my account ( still denied ) I got back in my car and checked my email to receive a notification of my account being on hold around XXXX. I CONTACTED Chime support through phone and was told to submit documents through review, they couldn't give me any information something about ppp loan, etc. I submitted the documents through chime email review and asked for an update about every 3 or 4 days. Nothing. Finally they responded with account closure, no explanation. Now not only am I not okay with them not refunding my funds but they closed my checkings, savings, and not to mention my Credit builder card. I have reached out multiple times and no one seems to care, nor can any one help assist me with this matter. I am working on my credit and by no fault of my own I will now have a closed account appear on my credit reports,, No way is this acceptable.

Company response to consumer: Closed with explanation