BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: MoneyLion Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone fraudulently opened a MoneyLion account in my name. I found out because I received a debit card in the mail ready to activate. I don't ever want to activate the card. I can't contact support and close my account and report fraud unless I have web login credentials or a card number to get through the phone system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed more CFPB complaints against Equifax than I can count. The company has repeatedly failed to take proper action to correct my credit report. 

I have nearly a dozen accounts with incorrect information on my credit report. This includes incorrect balances, accounts that are closed being reported as open and duplicate accounts. I have notified Equifax of problems with my report multiple times, you can view my complaints with the CFPB as proof of this. 

For example, my credit report lists XXXX open XXXX XXXX accounts when I have XXXX open accounts. It lists XXXX open XXXX accounts when I have XXXX open account. It lists XXXX open Comenity accounts when I have no open accounts. The list goes on. Some of these accounts have not been updated in years. Equifax tells me it 's the creditors fault. The creditors tell me it 's Equifax 's fault. Nobody wants to rectify this. 

I have spoken to the public affairs department at Equifax which is rude and unhelpful. A gentleman took a dispute from me but so far nothing has happened with it. The creditors have ALL CONFIRMED THEY ARE REPORTING TO EQUIFAX O THE PROBLEM IS WITH EQUIFAX NOT THE CREDIT COMPANIES. 

There is XXXX a problem with my report where information that is being reported by the creditors is not being updated for some reason. My other credit bureau reports are updated fine, so I know the creditors are reporting. This is happening with a multitude of creditors too, so it 's not just XXXX company that is having a problem placing information on my Equifax report. Accounts are updated for a few months, then the reporting stops and I am left with incorrect information ( i.e. that closed accounts are open ). This is a huge problem and has a huge impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Early Warning Services, LLC
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I submitted a payment for {$270.00} for a puppy as a down payment. The next day I paid the {$300.00} needed to receive the puppy and I got no response from the seller afterward. I have messaged them in XXXX and through text message and no response. I have sent request through the the app we used asking for the {$570.00} back and they denied all of them. I went to my bank and they filed a dispute which the app denied and I was told there was nothing left to do. I have pictures of the conversation that took place with the seller from the moment I contacted them to the end. I also have a receipt from them signed. I have reported the seller on the social media platform that I found them on and that social media platform denied the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are accounts that are not mine on my credit report. I am being punished for accounts that are not mine but are counting negatively. I have let the credit bureau no and have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Have found a buyer for my loan. XXXX, my account with them XXXX. However US Bank will not let me sell my car to them because I am not purchasing a new car from them. US bank will not take the check from XXXX for full amount owed. Please help me

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 2015-06-30
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The payment changed and we and we did not realize. We are behind about {$1000.00} or so. We were sent modification documents. We filled them out and sent all supporting documents by XXXX about two weeks now and we have not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This collection Agency has been reporting wrong information for the past 2 years. This is the 4th collection XXXX XXXX has this account to for the {$240.00}. I want it removed my my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX refuses to remove a 30 day late from my credit report even though I have shown a copy of my bank statement showing they were paid on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2020, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've been disputing this fraud activities on my credit file with Experian since XX/XX/XXXX and have presented the fraud evidence, police report ( s ), and Federal Trade Commission Identity Theft affidavit repetitively and Experian continues to ignore the FCRA and report this fraud activity on my credit file. Their response is usually an automatic response which is not related to my dispute. 

Fraud Account : XXXX XXXX Account XXXX & XXXX Past Disputes : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts are fraud and Experian is reporting these fraud accounts which is causing harm to me and my credit. Fraud activities can not be reported on my credit file, and every time I dispute this Experian ignore the evidence and response back with non-related responses. On XX/XX/XXXX, I disputed this matter once again to Experience and their response was that " the credit grantor may not know how to contact you '' That statement is not true and also not related to Experian reporting fraud activities on my credit file. 

I 've disputed this so many times, and not being able to resolve this matter. If these accounts does n't get removed from my credit file, I will seek legal guidance to correct the harm caused to me.

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 2015-08-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX County case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian has not removed disputed record of 4 months of late payments after Creditor committed to removing negative items. Experian has not updated all those that have requested my credit with the updated information. I confirmed this today XX/XX/2016 with Experian both online and over the phone. Too much time has passed and my credit is still suppressed by this inaccurate information. This must be resolved 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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've filed several complaints with everyone involve including Transunion, XXXX and XXXX  and all Creditors and debt collectors. I have included Fraudulent Items in my Credit Report XXXX XXXX- Account # XXXX for {$110.00} XXXX XXXX XXXX  # XXXX for {$94.00} XXXX XXXX- Account # XXXX for {$65.00} XXXX XXXX- Account # XXXX for {$82.00} XXXX XXXX Account # XXXX for {$160.00} XXXXXXXX XXXX- Account # XXXX for {$220.00} XXXX XXXX Account # XXXX {$1600.00} XXXX XXXX XXXX Account XXXX XXXX {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The following accounts are past the Statute of Limitations past 7 years and needs to be deleted from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are 7 years old negative and according to FCRA any negative accounts must be removed after 7 years. I 've sent numerous letters to credit bureau Experian and they have yet to respond.

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 2016-10-10
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been trying to work with Experian to take off a debt can no longer be reported by Law. The length of time has passed. somehow, The date that has shown reported since, has changed. I provided a copy of a old credit report that shows the correct date. When I try to dispute with experian. they say they verify with the creditor. But they should just look at my evidence to show that the original creditor is not providing the correct information. I also saw that in just the previous month. It had been removed and then put back on with a later date to remain. This is very concerning because experian is the only one left that is having a problem removing this debt and not following the reporting law for length of time. I am including another copy of a previous credit report to PROVE that the dates are incorrect. Creditors should not be allowed to just change dates when ever they feel like 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 explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Balance : {$1500.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XX/XX/XXXX XXXX Balance : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XX/XX/XXXX XXXX XXXX Balance : {$2200.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XX/XX/XXXX XXXX Balance : {$4300.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XX/XX/XXXX ( Original Creditor : 01 XX/XX/XXXX ) XXXX Balance : {$1600.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

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 2021-01-20
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust now Truist I have requested, several times, to be removed from their Mortgage Covid Relief program. I originally requested to be removed from the program in XXXX. I sent in two written requests in XXXX. 

Suntrust now Trust will not remove me from the program and they continue to send me notices that they are continuing the program for me. I do not want to be on the program.

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 2021-01-20
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My husband and I have had a Wells Fargo Home Improvement card since 2016 with perfect payment history. His credit score is prime and mine is mid-range. We used the card once and immediately paid the balance within the promotional period. 

Since paying the card and even obtaining the card, nothing has significantly change with either of our credit or income levels which would cause us to not be qualified to keep the line of credit. 

Recently, I received notification from the credit bureaus that a card was closed and caused my score to plummet by 17 and 21 points, respectively, across the 3 bureaus. 

We did not receive ANY notification or communication from Wells Fargo our account would be closed. As a matter of fact, I attempted to contact Wells at the number they are reporting on my credit report and this number is DISCONNECTED. They are reporting on the bureau comments " Account closed at the request of the consumer '' which is a fraudulent claim -- neither my husband or I have requested to close this account. 

WELLS FARGO BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX It is unacceptable for Wells Fargo to not send us notification letting us know why our account is being closed and causing harm to us as consumers by closing. We are in the middle of purchasing a home and this is causing significant damage to us as a result. 

Furthermore, I attempted to log in to the Wells Fargo online portal and the entire account history is gone! No account number, no payment history. Literally disappeared into thin air like it never happened ... 

If you attempt to download account activity there is an error that says " The system is temporarily unavailable. Please try again later. '' I don't even have an account number to attach to this complaint due to their failing system and errors.

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 2016-11-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
My personal information and my wife 's personal information was hacked out of the XXXX while I was awaiting my XXXX clearance. I put all of the credit agencies on the 90 day fraud request and told them that XXXX and was providing credit monitoring for 10 years. Yet somehow someone fraudlantly implicated my credit via opening a new XXXX account. All XXXX of the credit report agencies are being non responsive to me at this time regarding the situation and XXXX has said they can see the issue but there is nothing they can do about 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 explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX and XX/XX/2020, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. 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 explanation
Consumer complaint received 2016-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
ACCOUNT IS NOT MIND INCORRECT INFORMATION 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 2021-01-20
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've had a credit card with Penfed Credit Union since XXXX. As a XXXX XXXX XXXX I often go on XXXX XXXX service for long period of times. When I do this I send my credit card companies copies of my orders for them to adjust my interest rate according to the Servicemembers Credit Relief Act. I did this for Penfed in XXXX and they failed to adjust my interest rate. I did this again in XXXX and they failed to adjust my interest rate and charged me a late payment fee that is negatively affecting my credit. I've emailed and called asking them to correct and it still has yet to be done. Please have them refund the difference in interest from the time on was on XXXX XXXX service and have them removed the 30 day late payment they are reporting to the 3 major credit agencies.

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 2015-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed for a mortgage loan deferment with XXXX XXXX because I was recalled to Military XXXX. I have an approved mortgage deferment agreement and yet XXXX XXXX still reported me as delinquent from XXXX to XXXX 2015. Thus, this really hurt my credit score and unable to obtain a car loan. Herewith attached is the deferment agreement pertaining to my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am trying to remove dispute remarks from my Experian credit report. I have XXXX accounts with XXXX Student Loans which I am not disputing. I have informed both XXXX and Experian I am not disputing them but neither claims the ability to remove the remarks. I have XXXX XXXX XXXX. of XXXX student loans that have dispute remarks. I have contacted both Experian and XXXX XXXX XXXX XXXX and informed them I am not disputing the accounts. Neither one claims the ability to remove the dispute remarks from the accounts.

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