BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: MoneyLion Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for moneylion and there loan back in 2018. My first loan went smooth I made all my monthly payments no late payments at all. It was on auto pay. My first loan gets paid off. Then I apply for one more loan with moneylion to keep gaining credit with them and this was another {$500.00} loan. Loan # XXXX. 
The loan that ruined my credit and moneylion basically scammed me. First few payments are going well then my bank account got closed as I was no longer in high school and got a college checking account. First thing I do is try changing my account through the app didnt work! I tried calling multiple times, every time was an hour on hold and they wouldnt help me change my bank account they told me to change via app. So im missing payment after payment as they are not allowing or helping me to change my bank account. At this point i tried calling to pay off the whole loan on a different bank account and I still wasnt allowed. 
Since then my credit has dropped completely because of moneylion and it isnt fair after disputing with credit bureaus, calling moneylion, complaining with XXXX. I still have received no help at all. At this point Im ready to get a lawyer to help me with money lion and my credit. After a year of missed payments and finally getting a great customer service rep One of their own customer service reps said to dispute with a credit bureau and they would forgive me for paying off the loan in full and my payment wasnt with a different bank account they used my investment account and liquidated it as they still didnt allow me to change my bank account. 
Moneylion LLC ( www.moneylion.com ) I have seen several complaints from a lot of people about moneylion on XXXX, and other review sites. Ive seen class action law suits against moneylion. As you can see im not the only individual having this issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
have reached out too these companies back in XX/XX/2021, XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.

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 2018-06-03
Company: CORELOGIC INC
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: Credit inquiries on your report that you don't recognize

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, a HARD inquiry made by CREDCO was added to my credit report. This is a bank and I did not authorize this! 

Please help

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 2020-10-21
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
The credit bureaus showing incorrect payment history i had made all payments on time but on the report it shows XX/XX/2019 late payment i need to correct this information since its effecting my life i am in process to buy a house this late payment is holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed two invalid/released tax liens that are not listed with the department of revenue of Massachusetts. These were invalid because I entered I to a payment arrangement for the liens. I have paperwork saying these liens and garnishment was released and invalid. Other credit reporting agencies have already deleted this entry. MAssachusettS department says these liens are invalid and have no record of them.

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 2021-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was contacted on XX/XX/21 apprx. XXXX XXXX. and XX/XX/21 apprx. XXXX XXXX from " Bank of America XXXX Fraud Department '' stating that someone had setup a XXXX transfer from my bank account to a XXXX XXXX account. They stated to prevent his from going through that I would have to set up a XXXX tranfer using my name and contact # of which I did in the amounts of {$100.00}, XX/XX/21 and {$3100.00}, XX/XX/21. They also informed me that the funds would be refinded back into my account after 24 hrs. which did hot transpire. Contacted Bank Of America and spoke withh the XXXX Fraud Dept. and was informed that I basically fell victim to a scam. Also infrormed that this scam has been ongoing problem with B of A customers

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 2020-07-20
Company: Experian Information Solutions 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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX My name is XXXX XXXX My phone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: WA
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. 

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 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 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 non-monetary relief
Consumer complaint received 2018-06-03
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:
XXXX XXXX XXXX replied back to complaint XXXX file on XX/XX/XXXX back to the Consumer Financial Bureau by Company Responded saying on XX/XX/XXXX request to the credit bureaus for removal of any information concerning the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Previous complaint XXXX claimed to be resolved but illegally capitalized interest magically reappeared in XX/XX/XXXX ( after being previously removed in XX/XX/XXXX ). Received letter from XXXX XXXX XXXX  back in XX/XX/XXXX stating the illegally capitalized interest would be removed and it was removed back in XX/XX/XXXX then magically came back again in XX/XX/XXXX. Not sure why capitalized interest which was previously removed in XX/XX/XXXX  magically reappeared. See two attached documents for more information!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Experian Information Solutions 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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on 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 2020-09-12
Company: Experian Information Solutions Inc.
State: MA
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:
Good day or happy Saturday! How are you doing? I was shocked today when I reviewed my credit report again and found questionable information still on my fed student loan accounts from DEPTEDXXXX. All 4 of them! I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported that you investigated as accurate if it's still reporting questionable balance, inconsistent account number, name, dates of open, etc? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2019-07-10
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my credit report, XXXX hospital has now made the same debt show up twice on my credit. The amount is XXXX. They had an account opened against me in XX/XX/2018, now as XXXX XXXX,  there is another report for the same debt and same hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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:
I was taking a look at my credit and saw several accounts on my credit that I dent know anything about. I need someone to help me with this becasue I dent know what to do now XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and there is another account with no name but the account number XXXX. I also saw where a lot of people ran my credit and Im just seeing this and I did tell them to 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 XXXXXXXX XXXX XXXX I reached out the FTC and Im doing this on my own for really ask for your help.

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 2020-07-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent a letter on XX/XX/XXXX to remove these items 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 XXXX XXXX XXXX XXXX {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : XXXX ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX, XXXX & I am including it 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 non-monetary relief
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on 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 2023-05-27
Company: EQUIFAX, INC.
State: IN
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:
Credit information on the consumer credit profile should be deleted since the account is closed XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX  # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$1100.00} XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX # XXXX {$630.00} Equifax credit bureau Should delete these accounts, since they are closed and no longer valid on the consumer credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TrueAccord Corp.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
This company states I owe {$1500.00} back from 2012, and the statute of limitations has passed. I do not owe them anything.

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 2021-12-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have had accounts with PayPal for many years, they decided for security reasons to close my accounts. I had XXXX accounts at the time and have received refunds for the XXXX other accounts but the XXXX account they are refusing to refund. I was advised they needed me to wait XXXX  days to make sure no claims were lodged against that money. It has now been more than 18 months and they are refusing to refund and refusing to return my calls. I have spoken with several customer service representatives and they start a ticket to escalate the issue and I never hear from PayPal and in the meantime they are holding {$1800.00} of my funds that I would very much like refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
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: Account information incorrect

Complaint:
The credit reporting company has stated that my account for XXXX XXXX XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. According to FCRA 609A 1. Where is the proof? 2. Why is this account being updated?

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 2021-04-07
Company: Southwest Credit Systems, L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.

Company response to consumer: Closed with explanation