BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-04-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a XXXX  and feel XXXX  based on XXXX and I want to be a Hilton honors cardholder each time I apply Amex immediately declined me without Reason this is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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: Personal information incorrect

Complaint:
Inaccuracy personal information on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 u.s.c ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-12-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I authorized a payment for a credit check ( {$48.00} ) and a hold on an apartment ( {$300.00} ) that I might rent, giving an apartment complex my routing and checking account number -- a one-time transaction. Later I learned that the property manager was ethically challenged, with numerous lawsuits against them as well as the XXXX of CA after them for forming a XXXX  to raise rents in CA. I was fearful that this unethical company might try to take more from my checking account, so I called my bank, Chase. Sure enough, I was told that the company could take more money from my account -- an XXXX. After three phone calls during which I spoke with at least eight Chase employees I was persuaded that the only way to prevent unauthorized withdrawals was to pay {$30.00} to stop payment. In my view it should be a simple thing to ask a bank to cancel an ACH. I don't mind paying {$30.00} to stop a payment that I authorized, such as a check I've written, but why must I pay {$30.00} to stop a payment I did not authorize? I suspect that banks are collecting {$30.00} stop-payment fees from millions of customers who want to stop businesses from taking money from their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: AR
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:
On numerous occasions, I have contacted Experian regarding the removal of an inarticulately reported bankruptcy that does not belong to me. 

The Experian reference number for this bankruptcy is XXXX. 

This bankruptcy in fact has been removed by XXXX and XXXX ( I have attached the dispute results from XXXX showing its removal ) who have agreed that the bankruptcy is not mine. I will include a 3 bureau report highlighting the fact it is not reporting to XXXX or XXXX, but is still reporting to Experian. There were also the following accounts that were tied to this incorrectly reported bankruptcy. They are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX It is important to note that both XXXX and Experian have already deleted these inaccurately reported accounts as well. 

Furthermore, I must also bring up that my rights are being violated under 15 U.S.C. 1681 section 604 A Section 2 : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written permission to Experian ( a consumer reporting agency by definition ) to report this inaccurate bankruptcy nor these inaccurate accounts on my credit report with 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 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After receiving a copy of my credit report, I discovered the following errors, which are detailed below. In line with 15 USC 1666b If a creditor has not adopted reasonable procedures to ensure that each periodic statement includes the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, the creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
In violation of 15 USC 1681b, I NEVER issued the credit reporting agency or any other company a formal order to provide any information for my consumer report. Due to its harsh and unethical actions, Credit Reporting Agency has put a great deal of stress and anguish on people. 
You, XXXX, Transunion, and XXXX ought to feel guilty for having ACQUIRED this position and responsibility in order to routinely defraud consumers and hurt their interests! 

It is improper to list these accounts with late or missed payments. The following accounts should be marked as PAYS or PAID AS AGREED because they were NEVER past due. 

XXXX XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

Pennsylvania XXXX Since I never missed a payment on this account between XXXX through XXXX, please update the status to Paid/Current. 




I demand that these issues be looked into and taken off my report in accordance with the Fair Credit Reporting Act. Additionally, I demand that you give me all supporting documents and hard proof that I am or have been late. 
I believe you will double-check these things with the creditor who posted them. 
Any information that the creditor can not verify should be removed. I am aware that you have 30 days from receiving this letter to complete this reinvestigation in accordance with 15 U.S.C. Sec. 1681i ( a ). 
Send me a revised copy of my credit report with the desired modifications, please. 

Sincere regards, XXXX : XXXX { Agent/Beneficiary } Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-06-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is no factual evidence from the escrow analysis that the {$530.00} credit was taken into consideration for the escrow analysis. This company consistently fabricates situations to their advantage. I can write complaints all day on this, every day for the rest of the year. They have done nothing except send fabricated documents that do not pertain to the escrow analysis documents I've sent on 2 occasions. A third complaint will be issued and request an updated escrow document with the credit clearly identified in the escrow analysis. A ledger of historical payments will not suffice and is irrelevant at this point to resolve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX, Account Number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX XXXX, Account Number XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A 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 2022-07-29
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On or around XX/XX/XXXX I notified money moneylion that my husband and I were victims of identity theft. Our bank account had been compromised. We had to freeze our account, open up a new one and report it to the authorities and credit agencies. We are still dealing with the fallout. I explained to them that we would have to make payments to them in another way. Moneylion requires you to use a company called XXXX to link your bank account. We have been advised to limit who we share account info with going forward. At first, I could not get any response from them so I had to notify the XXXX XXXX XXXX. I received a response after that and was given an address to mail our payments to, which I have been doing. On XX/XX/XXXX I sent a certified letter to their XXXX XXXX  XXXX XXXX Utah offices letting them know that I was revoking my authorization for them to take any further payments from our bank accounts going forward for any Money Lion products. I also emailed them. 

Moneylion works with XXXX who shares updated Debit card numbers with the banks and companies who use XXXX. Moneylion received my certified letter on XX/XX/XXXX yet continues to try and charge my new debit card despite my telling them to stop. I never gave them my new number, XXXX did. I have locked my debit card because of this and put a stop payment through our bank for all Moneylion products. They attempted again today today, XX/XX/XXXX, to charge my debit card for a loan payment they received via money order on XX/XX/XXXX. Our next payments are due on XX/XX/XXXX which we will send via money order like we have the others. It has been 2 weeks and they have yet to post those payments to my account. I have inquired multiple times and I am told it will happen soon but it doesn't. I have since found out that Money Lion has a history of this type of behavior. There are many complaints online with similar stories as mine. I feel further victimized by moneylion during a very difficult time. I have saved every email and conversation I have had with money lion regarding our accounts. We have been sending our payments and kept in contact with them, yet they ignore our requests. Dealing with identity theft is a miserable, stress inducing, nightmare, and knowing that companies can get your new debit card information without your permission and use it is really unsettling. I'm already on alert and this just makes it worse.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account has supposedly been closed for over 18 months now and i Still have yet to receive any of my funds. Every time I call the automated system it says that my available balance is {$4600.00}. They said a check would be mailed in 30-60 days after account closure!!!

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 2023-10-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
On XX/XX/2023, I receive an email from XXXX thanking me for applying for a XXXX XXXX XXXX credit card. I also received an alert from Experian notifying me that my credit file had been updated. I logged into my Experian account and noticed that XXXX XXXX  XXXX  received a copy of my Experian Credit Report. I have never applied for any XXXX credit card and I did not authorize them to pull my credit. I put a freeze on my credit file with all XXXX  bureaus and asked them to submit a fraud alert. I called Experian to dispute the hard pull on my credit and will also be calling XXXX and 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 2022-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I sent a certified mail letter to them on XX/XX/22 asking for written signature validation of debt. They have not been able to supply me with this information. According to the USC they must validate each debt before reporting it to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Complaint regarding refusal to investigate and remove collection accounts Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the lack of action taken by credit bureaus in relation to the unjust reporting of two collection accounts on my credit report. Despite my diligent efforts to rectify this matter, the credit bureaus have consistently refused to investigate and remove these erroneous items from my credit report. 

The collection accounts in question are associated with XXXX XXXX XXXX XXXX XXXX XXXX. I have repeatedly requested proof of any contractual obligations between myself and this collection agency, but to my dismay, no evidence has been provided. It is important to note that I have no knowledge or recollection of any such contract, and therefore, I maintain that I am not obligated to this collection agency. 

Furthermore, XXXX XXXX has been inaccurately reported as an active account, despite the fact that it was actually charged off and reported to the IRS as a cancellation of debt. This cancellation of debt is clearly documented in my income tax records. It is both alarming and fraudulent for the company to have filed a cancellation of debt with the IRS, yet continue to report the account as active on my credit report. 

I kindly request that you take immediate action to investigate these matters thoroughly and remove these unjust items from my credit report. It is imperative that my credit history accurately reflects my financial responsibility and integrity. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureaus to conduct a reasonable investigation into these disputes. I urge you to fulfill your obligations under the FCRA and ensure that my rights as a consumer are protected. 

I expect a prompt response within 30 days, as mandated by the FCRA. Failure to address this issue within the specified timeframe will leave me with no choice but to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your attention to this matter. I eagerly anticipate a swift resolution that will restore the accuracy of 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 non-monetary relief