BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Money line extended a line of credit and which I paid on. Recently the payments were not going through no matter what type of account I was using. They blocked my checking account and they blocked my savings account to allow payment. I reached out and spoke to XXXX XXXX and which I have correspondence saved. Explain that I have change cards I have changed payment options in regards to checking and savings account and nothing was going through for payment. Previous to speaking to her I was transferred several times amongst representatives because nobody could help. Overall I believe I was denied payment and they accelerated my loan and sent it to the credit bureaus for charge off. They were very rude to me and then nothing in regards to allow me to speak to XXXX XXXX directly via phone call. She sent an email with a phone number and which I called and was never transferred to her. I was left with a charge off and XXXX on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed a debt collection on my credit report several times now. The company is XXXX XXXX and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this XXXX  XXXX keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts : - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX 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

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 2021-02-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax is in violation of 15 USC 1682 by furnishing my consumer report without permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: NC
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 actXXXX XXXX XXXX XXXX Account Number 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 connot 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 2022-01-20
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I recently pulled My credit report and seen that I had a lot of unknown addresses from XXXX Ga and credit inquires and a filed Bankruptcy in my name. I have no knowledge of these accounts, addresses and inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: The CMI Group, Inc.
State: IL
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 reached out to XXXX and the collection company and I was told to dispute collections with the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/19 I spoke to XXXX ID # XXXX from Barclay Bank informing them the account opened was fraud. I was told not to worry the account is closed and their fraudulent department was notified. On XX/XX/19 I received a credit card in the mail # XXXX, I spoke to XXXX who apologized and sent me an email confirming the account was closed. Today XX/XX/19 I spoke to XXXX who could not explain why another credit card was issued # XXXX and once again stating this account is closed. 

I have no faith in Barclays Bank and asking for your help in this matter. 

Please do not hesitate to contact me. 

Your help in this matter is greatly appreciated. 

Sincerely,

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 2022-05-02
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a personal line in XXXX of XXXX and in XX/XX/XXXX I caught XXXX XXXX a XXXX case. I called them to set up an arrangement once I was out of the hospital at which time they refused to set a repayment plan. The company decided to go to court to obtain a judgement in XXXX of XXXX at witch time the judge on my case instructed them to stop the interest and also advised they could not refuse payments. Every week in XXXX I called to make a payment as they locked me out of the online option. Every week my $ XXXX payment was still refused even after the judgement. On XX/XX/XXXX I reached out again to make a payment towards the account and I was told that again they are refusing my payment and they have filed for garnishment. On XXXX I received notice of garnishment to appear in court with {$2000.00} in additional interest being added to the balance. This loan was for {$6500.00} they have now assessed XXXX in interest and fees of which {$2100.00} was added AFTER the judgement in XXXX where they were instructed to stop all interest and fees. Since this conversation I have made 2 additional calls to make payment that was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I am XXXX XXXX XXXX, I am XXXX and unfortunately, I am affected by PayPal I work in the field of e-mail marketing with an American company called XXXX XXXX. 
The first payment they sent to me via PayPal, PayPal booked it and closed my account for 180 days, knowing that I did not even know the reason for that. 
-On XXXX I opened the account with PayPal -10 days later, on XXXX, XXXX  company sent me an amount of XXXXusd At the same time and at the same moment, PayPal surprised me by closing my account to confirm my identity... 
They asked me to send them a picture of my ID I said to myself that it is just a simple verification, I have already sent my ID in the place designated for it as it was required of me, and when I pressed send and at the same moment my account was closed definitively. 
I don't even know what criteria they took to close it even though they didn't even check my ID that they asked me for ( they asked for ID - I sent it to them - they closed it directly without even checking my identity ) And the biggest problem is that the amount sent to me by XXXX XXXX is not shown to me in my account PayPal sent me an email that I received XXXX usd but when I open the account it shows XXXX usd in my account I don't even know where she is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been attempting to resolve issues regarding 2 items  that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
State: PA
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 submitted two disputes with Equifax on XX/XX/2018. I have two accounts listed in collections that I have paid off. I have letters from the companies proving that I have paid my debt. I spoke with Equifax on the phone and they advised me to fax them copies of these letters. I did that. The person I spoke to said it would be updated in 5 business days. After 5 business days, I called again and they said the fax was not uploaded and attached to my disputes. This is preventing me from getting a mortgage. The other two credit  bureaus have updated my balances for XXXX XXXX and XXXX XXXX. Equifax is the only one that refuses to update even after I have supplied them with proof. I am working two full time jobs to pay down debt and improve my credit score. Equifax should not have the power to stop my mortgage when I am doing everything right and PROVING to them that my debt is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-20
Company: EQUIFAX, INC.
State: NC
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 confirmed that four collection accounts held by them were sent for deletion from all CRAs. They originally sent the request in XX/XX/XXXX I filed a CFPB complaint against both companies on XX/XX/XXXX. XXXX XXXX XXXX provided a letter stating that all collections should be deleted on XX/XX/XXXX and responded to the complaint by saying they resent the deletion request to Equifax. I have attached the letter. Equifax gave no resolution, only a response that they are investigating. 

I checked my XXXX credit file to find one of the collections in question has a date reported of XX/XX/XXXX, affirming the false information that should be deleted. I have attached a picture. 

I dont understand what the issue is Equifax is having here. The original collections company agrees the accounts should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
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:
XX/XX/2022, A fraudulent unauthorized hard inquiry from PENTAGON FCU-XXXX was reported on my XXXX 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX , a federally Protected consumer, and I am making this complaint against EQUIFAX. for committing identity theft. I never gave EQUIFAX. any permission to use any of my identifying information to comment fraud by FURNASHING FRAUDULENT ACCOUNTS about an alleged debt they claim I owe. I am legally refusing this debt pursuant to 15 USC 1692c ( 2 ). i am demanding a cease and desist of all illegal activity, any communication and collection activity and furnishing this and any alleged debt from XXXX XXXX. Can you provide me with sufficient documentary evidence that I owe any legal obligation to pay them. if this documentary evidence can not be produced by EQUIFAX. And continues its furnishing efforts on my consumer report, I will file for actual charges caused BY EQUIFAX. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And violation of privacy 15 USC 1681 ( a ) ( 4 ) upon the receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recently had an account with cash app and had about {$1000.00} in my account and somebody hacked into my account in fraudulently transferred money out of my cash app account to my debit card that was hooked up to my cash app account and then withdrew the money because somebody had stole my debit card and my cash app information I found the dispute with cash out back in XXXX and they've been done nothing but give me the runaround lie to me send me bogus emails ignore my requests tell me lies about how long it'll take they say they're not responsible for any money that was fraudulently or stolen out of your cash app account and that they will not replace it and all they do is lie to me lie to me lie to me and will not take care of the problem that is at hand the money being fraudulently took out of my account I've sent all the information they've requested the transactions that were fraudulently stolen I've sent them all the information they requested proving that it was fraudulently took out of my account and they still do nothing but lie to Me lie to Me lie to Me the refusing to replace any money that was stolen or fraudulently transferred out of my cash app account they say that they're not responsible for any of that and they will not return my funds to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have asked this company many times to update and correct my info and the banks that they have listed correct their wording on the listing they have on this company. I have never done anything wrong to make them list the wrongful items. But this company isnt doing the corrective matters. They are just making it harder for my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: Colony Brands, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ONCE AGAIN XXXX  IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.COLONY BRANDS/GINNYS NO.XXXX-SWISS COLONY XXXX, AND XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score keeps dropping very frequently on my trans union credit score. I been working hard on my credit score with  transunion to no avail. Im am not qualifying for any higher limit credit cards as a result of my continuously lowering credit scores. I monitor my credit scores on XXXX XXXX and on XXXX XXXX. Both show transunion scores. I have gotten a new higher limit credit card a few months ago and my credit utilization is pretty low right now. But yet I have not seen any increase in my credit score even with a lower credit card utilization rate. But yet my credit score keeps getting lower and lower. This is having an impact on my ability to qualify for higher limit credit cards. Im wondering if this issue can be looked into as I work so hard on my credit score only to see it continue to go down in the dumps. Thanks 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 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed 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 explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: AL
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 signed up for a credit monitoring service last year and discovered multiple errors showing on my credit report. Multiple accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the original creditor. I contacted the FTC and followed the Identity Theft steps including filing a formal FTC report and putting a freeze on my Credit. Equifax has refused to remove this debt from my report causing me to have to repeat this process. I am providing information on these disputes. I am demanding these accounts be blocked from all of my credit report, due to the fact that they are not valid and/or they are not caused by me.

Company response to consumer: Closed with explanation