BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: MoneyLion Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a Loan through Moneylion that went XXXX of XXXX till XXXX of XXXX. The loan was reported closed and paid in XXXX of XXXX to all credit bureaus and I opened another small loan with Moneylion. In XXXX of XXXX. Last week I keep getting reports that I was a payment behind on my loan despite being on time and accurate with the loan. When I asked moneylion what the issue was the claim that I missed a payment in XXXX of XXXX on the past loan and that is what was causing the issues. I informed moneylion that it is almost a full year later. I have opened another loan, The loan is closed and reported as paid and have had no issues. They claim the amount was returned and they never received full payment now. Although it show that I paid them 25 payments of {$19.00} totaling around {$490.00}. I informed them that I would pay the {$4.00} missing but I would not pay any interest on a closed loan that they created error on for almost a year. Moneylion is now hold other service including use of banking service until I pay them the {$19.00} on the closed loan. Attached you will see my credit report showing the loan paid reported as paid on time and closed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
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 XXXX Account, XXXX account numbers XXXX and XXXX, XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX/XXXX  account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX account # XXXX  balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX creditor : XXXX XXXX   XXXX  account # XXXX creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX balance:XXXX creditor : XXXX XXXX XXXX account # XXXX  balance : XXXX   creditor : XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX/XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX XXXX , GA. XXXX  XXXX XXXX XXXX XXXX, GA. XXXX THE FOLLOWING INQUIRING ARE UNAUTHORIZED : XXXX XXXX XXXX   CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES 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 2021-07-20
Company: EQUIFAX, 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:
Dear Consumer Financial Protection Bureau, Review dispute documents and remove the information from my credit report. The accounts is in direct violation of my HIPPA RIGHTS BY LAW FOR THE ACCOUNTS XXXX XXXX XXXX  and XXXX XXXX, on my credit report. I have not received a reply from the BUREAUs and it has been 30 days and I have not had any acknowledgment that an investigation has begun. I also sent a 30 day comply letter as well. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. Since this is my second written request, I will also be sending a copy of the letters I sent out on my behalf to the Federal Trade Commission notifying them that I have signed receipts for letters sent them and they have not complied with my request. I regret that I am being forced to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Investment Retrievers, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Closed with explanation
Consumer complaint received 2018-06-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address and phone number XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX All application as not been turn down do to my address not on my credit file I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of two bills Please delte this number on my allert its not my number XXXX Please delete the address bellow they are not my address ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX Please correct this phone number on my fraud alert to XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
XXXX XXXX ss # XXXX dob XX/XX/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 2022-08-09
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: Their investigation did not fix an error on your report

Complaint:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX- credit card ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX XXXX XXXX-credit card ). I expect to receive an updated credit report within the next 30 days showing that this account has been 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 non-monetary relief
Consumer complaint received 2018-06-14
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
-XX/XX/XXXX, I submitted certification of my employment with a PSLF eligible employer. 
-XXXX XXXX, I was notified by my old loan servicer, XXXX, that my Federal Loans would be transferred to XXXX. I was told the terms and payment. schedules would not change. 
-XX/XX/XXXX and XX/XX/XXXX payments are not auto-drafted from my bank account. The payment schedule has been lost in the transfer. 
-XX/XX/XXXX, I spoke to XXXX at XXXX XXXX XXXXXXXX ( ID : XXXX ) and I am informed that a review of my PSLF payments can be requested and would require 30 days to receive credit for the missed payments. I also asked to be switched to a PSLF eligible payment plan for which XXXX initiated a 10 year standard repayment plan. 
-XX/XX/XXXX, XXXX ( XXXX ) informs me that the PSLF review will now take 90 days -XXXX, XXXX  ( XXXX ) informs me that the current payment plan recommended by XXXX was not PSLF eligible. He also informs me a PSLF review takes 120 days. I inform him that 120 days has already elapse. He offers no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXXXXXX XXXX  XXXX # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.

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 2020-05-18
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Two weeks ago I received an email stating that I had violated section 22d. I had over {$2000.00} in my account. I tried contacting customer service and it hung up on me. I tried again and waited for over four hours for them to tell me there is nothing that they could do. All I want is a check mailed to me with my remaining balance. I called again and on hold for over four hours and they said I would need to send a letter to customer service. It has now been two weeks and I have not heard anything back or received my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This complaint is against Discover Student loans. A loan was taken out to pay for college expenses. After graduation, the borrower had a hard time finding a job in his profession. He worked part time and then went to the XXXX XXXX. After graduating from the XXXX XXXX it took him almost a year to find a job. During this time, Discover would not work with the borrower on payments. The borrower paid on the loan but Discover told him they would not accept the payments unless it was the XXXX a month payment. He tried on numerous occasions to work with Discover to set a payment plan that he could afford. Discover finally told him he could make payments based on income on the phone then the next month they put the loan in default with no warning. The loan is now in collections and the problem is that he now has to find a way to XXXX. This is such a big problem in the United States. Discover gave him bad advice and would not work with him in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Diversified Consultants, 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 disputed this debt with Diversified Consultants with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Diversified Consultants received the certified letter on XX/XX/XXXX and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Company: World Acceptance Corporation
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: Account information incorrect

Complaint:
This complaint regards : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX I have several old/closed accounts with " XXXX XXXX XXXX  '' on my XXXX credit report. One of the accounts was shown as derogatory since XX/XX/XXXX ; but the remaining three accounts had always been showing in good standing, but now those remaining accounts are showing " derogatory '' as well. These accounts are now being reported as being included in a " Chapter XXXX wage earner plan ''. This is false/incorrect reporting.These accounts have NEVER been derogatory and I need XXXX XXXX XXXX  to correct this issue immediately. 
I spoke with a XXXX  representative and I was told that they report whatever a creditor reports to them. I called XXXX XXXX and my call was forwarded to a customer care representative who looked at the accounts in question, but was not able to do anything, as the credit reporting department was not available. A copy of my XXXX  report showing the accounts is attached. One copy ( XX/XX/XXXX ) shows the accounts paid in good standing, and one copy ( XX/XX/XXXX ) shows the accounts in a derogatory status. I did not dispute these accounts, so no change should have occurred on my XXXX  credit report ; XXXX XXXX should not have reported this information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There are 3 accounts on my credit file being reported by XXXX  # XXXX the date of 1st delinquecy is being reported differently across the 3 credit bureaus XXXX   reports 60 days XX/XX/XXXX Equifax reports XX/XX/XXXX Experian reports 30 days XX/XX/XXXX Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

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 2020-05-18
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was forced to open a Paypal account when I sold an item on XXXX. 
The money has been there since XX/XX/2020, over 21 days. When I try to transfer the money to my bank, Paypal 's response is that the transaction can not be done at this time. 

I tried to refund the monies to the buyer so the funds could be sent another way, and received the same response. I also tried to open a dispute, and the response was that I could not. 

Paypal is holding the funds. When you try to call them and speak to someone, they use the excuse that due to Covid 19, they are not working. Everyone state is going back to work. And these call centers workers can work from home. 
So there is no excuse that I can not get my money out of their digital wallet. 

Basically, I have not recourse at all except to file this complaint. The SEC needs to investigage this company. How can they keep my money for 21 days and not give it to me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: OH
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/XXXX sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
One Main XX/XX/2014, {$1800.00}. They did not notify me and seems to be the same as Spring Leaf Financial XX/XX/2014 {$3100.00}. They never notified me. I reached out to them. This is not fair because Im living with my mom and cant get a mortgage

Company response to consumer: Closed with explanation