BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
Company: MoneyLion Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have XXXX XXXX and I received an alert today that an online account of " MoneyLion '' which I do not know this company nor did I open account showing on XX/XX/2021. 

According to XXXX XXXX this " MoneyLion '' is an " off-shore '' account within the United States? Again, I did not open nor did any online business with this " MoneyLion '' at all. 

This is fraud and according to XXXX XXXX the Result was " Passed ''. 

I am therefore lodging a conplaint against MoneyLion that I never contacted them for anything, nor did I attempt to open any kind of account with them and my information has obviously been fraudently used by MoneyLion. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX   XXXX  I sent a lette r to I.Q. Data International , Inc. as king for validation of debt with   XXXX   XXXX     XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  I received a letter stating the prinicipal due is {$7000.00}, copy of a lease that expired  XXXX   XXXX ,  XXXX  and a move out statement dated  XXXX   XXXX ,  XXXX . An expired lease and a move out statement that I did not sign or agree to the amount owed is not validation of debt. Beginning  XXXX   XXXX  I have been disputing the validity of this account with all  XXXX  major credit bureau s (    XXXX   XXXX   XXXX   XXXX    ).  All  XXXX  credit bureaus responded stating the account is verified. They also failed to provide me with documentation they received to verify the debt.     On  XXXX   XXXX ,  XXXX  I appeared in  XXXX   XXXX   Superior Court and agr eed to the prinicipal judgment amount of {$4500.00} owed to the   XXXX   XXXX    XXXX   XXXX   XXXX . This account has been reporting to all  XXXX  credit bureaus incorrectly since  XXXX   XXXX ,  XXXX . Attached are documents received from  I.Q. Data International , Inc.,  and the Agreed Judgment Summary dated/signed  XXXX   XXXX ,  XXXX  by myself, my attorney, the attorney representing the   XXXX   XXXX    XXXX   XXXX , and the Judge.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 


XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$6100.00}, XXXX XXXX XXXX Balance : {$3600.00}, XXXX CARD XXXX Balance : {$4800.00} Date Opened : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$7300.00}

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 non-monetary relief
Consumer complaint received 2021-06-08
Company: USI Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX I received a letter from XXXX XXXX with Usi Solutions stating they were the current creditor for a debt that was not owed by myself. I sent out a letter requesting verification and proof of the debt immediately and received no response from the company. My letter was sent certified and I have proof it was delivered. XX/XX/XXXX I received a voicemail stating it was about a judgement being put against me. I called back and they stated they were taking me to court and going to add the judgement to my credit report. The person on the phone said they have a photo ID tied to this, not sure how that is even possible, and read my FULL social security number to me over the phone. I told them they could send whatever paperwork they need to me as I will be disputing it as I had when I initially received the paperwork and did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX. 
Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Bankruptcy Reference XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have the rights 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 explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX. 
Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Bankruptcy Reference XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
1. There is no FCRA date, DOFD date ( reported by CO ) 2. As a result - there is no " On Record Until '' date 3. There is no CLS - Closed date 4. As a result - the account is still active - open, and not accurately

5. The status code - appears incorrect. 
6. Paid, Closed. {$290.00} written off is what you reported - merging 2 status codes from Metro2 file specs 7. It should reflect code 64 ( account status code - Metro2 - ), account paid in full was a Charge - off, and as the final status of this account 8. After the amount was charged off - and after payment from me to bring the amount to XXXX - it was no Longer, written off as you collected the amount due 9. The Payment history is incomplete 10. The Final Payment made - to get to a PAID - after charge off status was never reported, even when CO updated the status of this tradeline in XXXX ( Date Reported ) 11. Last Payment amount is Blank - Pay History/Balance History 12. Last Payment Date is not reported - Pay History/Balance History 13. Balance - is blank 14. Balance Updated - is blank What does " payment after charge off/collection '' mean? FCRA/Metro2 Credit Listing Violations are causing me to get rejected by other credit grantors.

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 2019-11-27
Company: EQUIFAX, 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:
I have ttried to fix this problem on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
This problem started when my credit fell from XXXX to XXXX with Equifax and XXXX. This egrigious error was either caused by a clerk or management. Intentionally or unintentally, it borders on criminal misconduct and may be subject to a lawsuit in the near future. This problem should have been corrected by now. I will also file a duplicate report with the U.S. Attorney General to look into possible criminal mischief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX has violated my privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

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 2021-06-08
Company: Winklevoss Exchange LLC
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, The following situation occurred since XX/XX/2021. 

XX/XX/2021 : I sent virtual currency assets from the app XXXX XXXX to the online exchange Gemini.com. Gemini received my XXXX UNI ( uniswap asset. ) This same day, Gemini confirmed the transaction. 

XX/XX/2021 : On Gemini.com I sold my XXXX XXXX for XXXX. This XXXX balance is, as of writing, still on my Gemini.com balance. I then see that Gemini.com and their XXXX app do not allow me to send my XXXX balance to my bank accounts as a XXXX transfer. I use both XXXX XXXX and XXXX ; either allow me to receive USD or EUR currencies ( with respective instructions. ) I follow these instructions as per Gemini, XXXX, and XXXX, and am unable to withdraw my XXXX balance because it doesn't match the default balance of my USD XXXX XXXX account. 
I email Gemini support : I am a customer of Gemini. I just sold my XXXX on Gemini, and now have a balance in EUR euros. I would like to send this EUR balance to my bank account ( XXXX XXXX XXXX, whether in EUR or USD. I am using the Gemini app for this. I add my XXXX XXXX bank account via Plaid, but afterwards XXXX XXXX doesn't stay as a payment method. I really need my money in my XXXX XXXX bank account please so I can pay my bills. 
Gemini sends me an email that they have received my support request / note. 

XX/XX/2021 : Gemini emails me that a test money transfer of {$1.00} has processed. However, at this rate it is too late to access my account. I am unable to access my Gemini account because it uses 2-factor authentication to message my American phone number, which I lost access to in the past few days. I can log into my Gemini android app, but I can not change 2-factor authentication there. I can not log into Gemini.com for the website 's full features of sending EUR to my XXXX or XXXX. 
I email Gemini support that they are holding my EUR balance without a response for 7 days, and that I am unable to access my Gemini account due to 2-factor authentication. 

Please, I must receive my money in a timely fashion. I must pay my bills. On XX/XX/XXXX, I will relocate to XXXX. I will have a new phone number there of course. I need access to my EUR balance on Gemini, whether it means sending EUR to my bank or converting Gemini EUR to . Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NJ
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:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate accounts on my credit report : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been attempting to find out how much is due and they told me that they have to compute how much is owed and it will take several days for that to be computed. They have stated to me that they do not know how much is owed or what has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX has violated my privacy according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: NJ
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX have 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 an 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 2017-06-15
Company: Experian Information Solutions Inc.
State: IL
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   XXXX  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
XXXX. XXXX XXXX U Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-08-30
Company: Navient Solutions, LLC.
State: VA
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:
I currently owe Navient {$49000.00}. My original loan in 2007 was for {$28000.00}. I wasn't aware at the time that I was eligible for federal loans, and this company never mentioned it. I was told my best option while I finished school was to go into forbearance. I wasn't aware my loan would double. I have contacted them many times and they only option to lower my payment is an interest only payment. I have been paying for years and my balance doesn't move. I told a customer service rep I would have to live in my care to be able to afford this payment. He said " you got ta do what you got ta do. '' My interest rate is 9.25 %. I have tried to renegotiate loan terms or interest but they won't. The original check was sent straight to me and not even my school. They sent the money without verifying the tuition and never told me about federal loans. I can't pay this loan. It is well over what I borrowed. I should have been told to pay on it instead of going into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX have 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 an 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 2022-08-30
Company: Experian Information Solutions Inc.
State: MI
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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 an 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 explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: MI
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXXXXXX, XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation