BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: MoneyLion 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:
In XX/XX/2021 I noticed a fraudulent personal loan account for {$500.00} from MoneyLion was showing on my credit bureau reports. I immediately contacted MoneyLion and they started an investigation. 

On XX/XX/2021, I received a letter from MoneyLion stating the account was opened fraudulently and closed as a fraudulent account on XX/XX/2021. I'm attaching a copy of the letter from MoneyLion.

Today, XX/XX/2021, I received notification from XXXX that this fraudulent account is still on my credit bureau reports but is also now reporting that it is delinquent. 

Please remove this fraudulent account from my credit bureaus, I also sent another email to MoneyLion telling them they need to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: Carvana Group, LLC
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Carvana submitted {$190.00} on XX/XX/2023. I did not purchase a car from them or authorize any amount to be taken from my account. I did not provide them with a debit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Emails to " Executive Office of Discover Financial Services XXXX '' being FULLY IGNORED. Documents for verification have been attached, as well as original complaint. 

DISCOVER BANK HAS NO INTEREST IN RESOLVING THIS, THEY ARE FRAUDULANTLY HOLDING MY MONEY - EVEN WHEN I HAVE ATTACHED : 1. California Drivers License 2. Copy of 2 first pages of my Tax Return ( Slightly redacted ) 3. Copy of XXXX XXXX XXXX, showing amount of my refund - same as check You responded to my complaint ( s ) on CFPB, however have ignored all of my emails since your first on XX/XX/XXXX. 

" On XX/XX/2020, you were advised that any valid funds would be released to you after 60 days ; however, based upon further review of the account, we have been unable to release the funds. In order for us to lift the suspension of your account, further verification is needed. '' I sent in my CDL when the account was opened. This is my IRS REFUND Check you are messing with. There is NO further verification needed, since : 1. I submitted my CDL upon account opening 2. I am not sending in any furtherdocumentation, short of maybe a page from my Tax Return - and that will show ONLY my name, address and refund amount - You will get NOTHING further. 

BLATANTLY IGNORING ME - SENDING AND HAVE RECEIVED 2 POSTAL LETTERS, CONDESENDING AND INSULTING - TELLING ME WHAT YOUR DOING WITH MY MONEY - CFPB IS NOT DOING ANYTHING TO HELP ... 
HOWEVER, I HAVE FILED WITH SUPERIOR COURT, AND SHOULD BE SEEING THIS ON CALENDAR WITHIN A FEW MONTHS. WHILE, I KNOW I DON'T HAVE AN ARMY OF LAWYERS - SOCIAL MEDIA WILL TAKE CARE OF THAT, AND SINCE YOU DID WRONG NOT ME - I AM LOOKING FORWARD TO FINALLY COLLECTING MY TAX RETURN, AND OVER 65 % ADDITIONAL FOR SUFFERING AND PUNITIVE DAMAGES. 

I WANT MY MONEY - NOT IN A CHECK - I WANT TO KNOW WHY YOU ARE IGNORING ME -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Citibank Home Depot responses To claims made are false. Action we have has resulted damage as payments not recieved late payments and interest payments are damaging to my good credit payment status with this company.

What they have done to me is threaten to report me to credit reporting agencies to hurt my good standing. Continue their abusive phone calls for collecting monies not owed to them because they failed to correct their failure to process payments recieved as in documents attached in this new complaint They know they have been in recite of Payments. Now a pending dispute is in process against Citibank for the monies They claim they did not recieve

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 2019-02-26
Company: Riverwalk Financial Corporation
State: WV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Originally obtained auto loan through XXXX in XX/XX/XXXX. I was unable to make the payments and gave the car back to XXXX. They auctioned the car, but never gave me notice about amount sold for or any deficit. 

XXXX XXXX purchased the debt in XX/XX/XXXX. The claim they sent me a letter to dispute the amount owed, but I never received any letter. In speaking with XXXX ( Mr. XXXX ), I was told they sent it to a specific address. However, I never used that address on my loan application, nor had I lived there in the past 10 + years. XXXX refused to answer questions. I sent an email with several questions, but they again refused to answer same. XXXX claims the car was sold for {$7600.00} However, my credit report shows XXXX. He refuses to explain the additional amount. he said he was will to negotiate. 
This should not be on my credit report, because I never had the opportunity to dispute anything, including the amount owed. 

Please see attachment with questions sent to Mr. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-04-09
Company: Bread Financial Holdings, Inc.
State: CT
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 and XX/XX/XXXX I wrote to Comenity Bank about a hard squire on my XXXX report that was inaccurate. I never have anyone permission to pull my credit. On XX/XX/XXXX I wrote XXXX and they advised me to contact Comenity bank I called Comenity bank they advise me to contact XXXX!! This is not good they have me going back and fourth and the matter still isnt resolved.. I spoke with a supervisor from Comenity Bank and he said he doesnt see any info pertaining to this matter. I want this inquiry removed immediately. Im not getting proper assistance thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
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: Personal information incorrect

Complaint:
I checked my credit reports to verify my personal information. Im unable to dispute the incorrect personal information via XXXX, Equifax or XXXX  website. 
My name and SSN are wrong. 
My name is XXXX XXXX XXXX, not XXXX. 
My SSN is XXXX. 
My DOB is XX/XX/1987. 
My address is XXXX XXXX XXXX, XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Firstsource Business Process Services, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX after reviewing my credit reports, I discovered a collection account with Firstsource Advantage LLC.I wrote a letter to the company requesting verification and validation of the debt. I further requested proof of their contract to substantiate the claim which entities them to enforce it. I further requested a certified copy of an original contract with my wet signature. 
I also noted that I could not locate an documentation of any contractual relationship between FirstSource and XXXX XXXX  which would entitle them to enforce a commercial claim, On XX/XX/2023 I received a debt collection letter and several collection calls, but no proof of contract that gives them the authorization to pursue this debt, not a contract from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: NJ
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 has a lot of accounts and personal info that needs to be deleted.

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 2019-03-08
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:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2020-12-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2017-09-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up.
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX  if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX?
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for Experian andXXXX.

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 2023-03-01
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX US DEPT ED XXXX Balance Owed : {$3800.00} US DEPT ED XXXX Balance Owed : {$6300.00} US DEPT ED XXXX Balance Owed : {$3300.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$1800.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified collections on my consumer report which I have uploaded. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX I XXXX  cash app customer service number this number was XXXX XXXX XXXX XXXX. I spoke with a young man we got disconnected I called back another another man answered he started helping me and told me to download an app called XXXX. With this App he was able to look at my screen the young man told me to go in my cash app then asked me " who do I bank with '' my reply was XXXXXX/XX/XXXX. He then told me to open my mobile app and he told me we were going to do a XXXX quick pay of {$200.00} to see if my account was interrupted by anything. He then took the money then when I asked can he send it back he told me I would have to give him 3 minutes. So he went on to ask me to tell someone to Cash app me {$100.00} dollars because my cash app was not working properly. After I told him no he said well okay he will send my money and give me a confirmation call but he never called I called them back numerous times and he repeatedly hung up in my face and antagonized me and my family by calling us back. Colleague then tried to act as tho he wanted to help then told me to cash app {$86.00} a name called XXXX XXXX when done I done I also asked for my money back and he refused to send me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My stimulus was sent to this bluebird American Express card. XXXX did unauthorized charges of {$1300.00} on XX/XX/XXXX and XXXX. I called my card and gave info for them to investigate charges on XX/XX/XXXX. Today I got email saying the charges were by me and they wont refund my money. They have refunded {$700.00} but still owe {$600.00}. There were more than 100 transactions and they were not by me. I am XXXX and feel I am being shafted by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
AmeriSave Mortgage promised a 2.5 % 30-year fixed mortgage rate on a {$760000.00} loan with a closing fee of {$2700.00}. Their process went on for almost 5 months ( XXXX ) during which my closing fees increased first to {$5600.00} and then to {$9900.00} with no explanation other than, on the first hike, that they had made a mistake and did not factor a Home Equity Line of Credit ( HELOC ) subordination. This HELOC was clearly disclosed at the beginning of the loan process. I even pre-paid a {$300.00} fee on XX/XX/XXXX. I was promised this inflationary error would be corrected over and over again ; see first confirming XX/XX/XXXX email to XXXX XXXX. I was asked for additional documentation, over and over again with the same documents being requested two, sometimes three times. Each document request was promptly provided within a day. All the while the months were ticking off and I was losing $ XX/XX/mo in mortgage payment savings. At the end, they decided that a temporary drop of 10 % in business income justified their declining my loan, after 5 months of supplying them document after document, countless emails, phone calls ( many of which were never returned ). There are few businesses, if any, that enjoy a constant income stream ; business income routinely fluctuates sometimes much more than 10 % month to month. My credit score is XXXX. I have over {$4.00} XXXX in investments and {$500000.00} in liquid assets and close to {$2.00} XXXX equity in my home. So, arbitrarily deciding that a temporary 10 % drop in business income is grounds for my loan denial would appear disingenuous at best, fraudulent at worst. It is my opinion that they did not want to honor their original {$2700.00} closing commitment. AmeriSave has a history of bait-and-switch activity paying a {$19.00} XXXX fine in XXXX for just this type of activity. Nothing appears to have changed and, personally, I would avoid this company at all costs.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX {$620.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 explanation
Consumer complaint received 2020-07-09
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Great Lakes has evaded to responding with lawful definition of " payment '' and liability to alleged obligation via fraud, concealment, failure to disclose or intentional misrepresentation under penalty and perjury to foregoing pursuant to 28 U.S.C. 1915e ( 2 ) B ( i ) ( ii ) ( iii ) and Per 15 USC 78m ( q ) ( 1 ) ( C )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: WI
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief