BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-26
Company: MoneyLion 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:
RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : MONEYLION INC - XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law. 


-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such. 



Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.

MONEYLION INC has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX XXXX XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: DISCOVER BANK
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I tried to transfer balance {$8000.00} from Discover credit card to XXXX XXXXXXXX on XXXX XX/XX/2022. After 3 or 4 days Discover showing my payment was posted. When i checked my payment on XXXX XXXX, I did not find any payment came from Discover. I told Discover I have not received any amount. 
Then Discover opened a case, and I told them I want do dispute that if payment is not posted. They told me ok. In XXXX Doscover told payment has not cashed out then they resent the checque to XXXX XXXX, still I have not received any amount. I called to XXXX XXXX  to find out any amount came from Discover, XXXX XXXX said no amount found. 
Then I called Discover to find what's going on my payment. On XXXX Discover opened a case to dispute and informed me they will adjust my payment to my account. And I saw {$8000.00} adjusted to Discover. 
And they told me it's for temporary, if they found payment posted they will take {$8000.00} from my account. 
Today XXXX XXXX Discover emaild me that " XXXX XXXX has informed us the payment has posted '' But still I have not received that amount. I talked to Discover they told me I have to talk XXXX XXXXXXXX I already talked to XXXX XXXX they told me there is no such investigation going on my account with Discover. And they have not received any amount from Discover. 
Discover telling me XXXX XXXX told them payment posted But XXXX XXXX telling me there is no such statement like that. 
Discover already charged {$8000.00} Please I would like to complain about Discover, they are playing with me and don't give me enough information which I asked .likewise how XXXX XXXXXXXX told u, how they received, etc. 
Currently I am serving XXXX military XXXX station I can't take this pain anymore from Discover They are not fixing my problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This collection agency has been calling my XXXX year old mother and harassing And threatening her. They threatened to take her social security. My mother is In fragile health and is now a nervous wreck. The debt is not hers. She was a reference listed on a credit card application from 11 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I got this card for donating plasma. The schedule of fees says there is a charge for using this at an ATM, even in network, and a charge for using a pin to get cash back. The only way to get cash without paying a fee is a bank teller withdrawal. I was told my card is not allowed to be used at a bank teller, and therefore the only way to get cash off the card will cost me money. That doesnt seem right. Due to the amount I have to claim this in my taxes, but I cant even get the cash from it.

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 monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Convergent account has violated my rights.. Strates 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 an consumer reporting agency can not furnish an account without my written instructions. 




XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( 5 yrs, 11 mos ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Charge account Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times 30/60/90 days late 0/0/0 Closed 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 2022-02-04
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a XXXX XXXX credit card. The account is closed but it still has a balance. I have logged onto the website for this account and they are not providing any type of statement for the account. I have not received a statement in my email for many months so I was trying to verify the statement balance because it does not look correct. There is nowhere on their website to retrieve or view the statement. I had to call the company and they want to charge to have the statements sent to me. I don't understand how a credit card company can not provide statements to customers even if the account is closed. If there is a balance, I should be able to see my statements until the account is paid in full.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: VA
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 2019-11-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a follow-up to my original complaint : XXXX Two months ago I submitted a complaint concerning AmEx, expecting to get prompt resolution. Despite my repeated inquiries since this time, I still have no resolution. The response from American Express to my complaint was in effect a non-response and totally unacceptable. They simply punted the issue, leaving me in the exact same position as before. I am still waiting for them to correct their error and unfreeze my account. Another month has passed and still no resolution. This should be very simple. It would take one employee a mere matter of minutes to look at my account, confirm there is nothing even remotely resembling abuse, and then unfreeze my account. I have been a loyal customer for years. To add insult to injury, I called a few days ago for a status report and the representative informed me -- contrary to the response letter from AmEx -- that the freeze was not due to any investigation but was instead a " known technical glitch '' that should be cleared up in days. It still has not been. How can this process possible take months? This delay is outrageous. 

Here is the content my original complaint, sent months ago : " I have been a longtime holder of American Express credit cards. Certain of these cards earn Membership Rewards points, which can be transferred to airline miles programs and used to redeem flights. On XX/XX/XXXX, I attempted to transfer XXXX membership rewards points to XXXX. I need these points to book a long-planned family vacation. When I attempted to transfer the points ( as I have done many times in the past ), I received a message that I was unable to do so because my account is under investigation and has been locked. I called to investigate, and nobody would give me any information despite my repeated attempts. The only information they could provide was 'my account was locked by corporate, ' 'they do not know why, ' 'it is impossible for me to speak with anyone in corporate, ' and 'I should expect to hear more in 6 to 8 weeks or longer when the investigation is complete. ' This is crazy. I need to use these points now or my family will be unable to go on our long-planned vacation. There is no basis whatsoever for withholding my points. I imagine AmEx will eventually figure that out, but forcing me to wait an indefinite period without access to my earned points in unacceptable. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Ordered an item through PayPal XX/XX/2022. Tried to cancel since money went to a different location then agreed. Was ordered USA transfer went to XXXX. After XXXX was taken out in XX/XX/2022. I disputed with paypal. Was told I had to wait since money to be received by seller XX/XX/2022. I have tried to get a refund through PayPal and fraud at my bank. Item never received. No one can help. PLEASE HELP. This was fraud!! 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffere

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 2022-01-27
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # 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 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 2022-01-27
Company: SYNCHRONY FINANCIAL
State: CA
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 thought I wanted the XXXX credit card. I submitted my application. Within a minute I changed my mind. I called XXXXXXXX XXXX XXXX XXXXXXXX to cancel the card. I was told by the employee that my card was canceled and he assured me that a credit check will not happen. To find out on my credit report a hard inquiry was done on XX/XX/2021 the same day I called an canceled. I was told twice by XXXX to call them and ask for a letter, so it will come off of my credit report and twice I called XXXX XXXX XXXXnd they said there was nothing they can do because when I send in the application online even though I wanted to cancel it. They still automatically do a credit check. I tried to explain to them how wrong this was. I said to them " Well since you did my credit report without my permission I might as well just get the card. I was then told by two different people that I would have to do another credit check? Their system doesn't make any sense too me. It is absolutely wrong.

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 2022-01-06
Company: SECURITY FINANCE CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Continental Loans ins XXXX TN, I never missed a payment on my installment loan and always paid through the customer portal. They reported I was over 30 days late for my XXXX payment when I have never been late, when I contacted them and explained the issue to them they claim it was for a late fee that I did not pay, I explained to her when I paid my bill on the online portal I paid the amount it stated I owed and never showed I owed a late fee on top of that they see I made regular payments on time, if this was the case why did they not call me and say you still have a balance or owe a late fee, they were even aware customers were having issues with the customer portal with the correct balance reflecting but still did not honor the error on their end and this late payment is ruining my credit. For a long time customer who always paid on time why would they ruin my credit when the error was on their part, I was advised the issue would be escalated to a supervisor and someone would call be back, I never heard back from anyone and when I called again I was just told the same thing it was escalated to a supervisor to look into the matter but still nothing. I have a record of each payment I made to them which shows I was never late. I am disappointed in how they treat good customers and the lack of accountability on their part, I will probably never do business with them again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Valley Bank called after hours and demanded payment. I attempted to explain that I can not afford to pay its high interest rates and that it is charging me a late fee for each and every month of a running balance. 

I said either they lower the interest rate or I shall be forced to declare bankruptcy!

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 2022-02-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been denied a checking account by XXXX separate banks based on not being able to pass a Chex System inquiry. 
The banks all state that they have no control and can not override policy of opening an account without being able to pass Chex systems. They all three referred me to Chex System for resolution. 
I can not open an account solely based on Chex Systems. I had provided to the bank all other verification documents to the bank per their policy. Drivers license, SS card, proof of residency. 
I called Chex Systems and was directed to obtain first the online report. This report was clear, showing no information to report. There was nothing on it derogatory. Chex system told me that they dont make the decision the bank does, the bank says they cant open the account because of reporting theyve received from Chex Systems . I showed the clear report to each bank, each of them saying it was out of their control as long as Chex Systems continued to report me. 
I am offered no way forward, no way to correct or remedy it. I am just stuck in limbo and no one cares at all at either the bank or Chex Systems. 
How am I supposed to move forward and obtain a checking account. 
Chex Systems offered me an absurd explanation that because the banks had inquired to Chex Systems that their own inquiry perhaps disqualified me from an account within that same bank. 
Chex systems refuses to take ownership of the harm they are causing me by preventing me from opening a checking account or offering me any way to resolve the matter.

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: CA
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: Problem with personal statement of dispute

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 explanation