BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: MoneyLion Inc.
State: CA
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 sent a letter to MoneyLion INCXXXX company for reporting late payments on my consumer report which is illegal and they replied through email and failed to comply and follow the guidelines and federal laws of FCRA. The letter I sent states : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best Regards, 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 2022-11-10
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
HARD INQUIRIES *XXXX XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX *XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PLEASE REMOVED THESE INQUIRES!! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2016-04-28
Company: Williams & Fudge, Inc
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had a private student loan for the appx amount of XXXX dollars with XXXX XXXX XXXX in XXXX. The loan was sold to Williams & Fudge , Inc when I was not able to come up with a payment plan. XX/XX/XXXX I found employment and made a payment plan with Williams & Fudge to pay {$60.00} every 2 weeks for a total of {$120.00} per month. I paid this amount for the remainder of XX/XX/XXXX all of XX/XX/XXXX, XX/XX/XXXX and thru XXXX XXXX. I requested an interest statement from Williams and Fudge in XX/XX/XXXX to file my taxes they referred me to XXXX XXXX XXXX, I called them and they said when they sell a loan to a third party collector there are is no longer interest on the loan. I called Williams and Fudge back and asked why after 3 years of payments my balance was not going down they said due to the interest and additional fees. I immediately stopped the semi monthly draft and would like this to be investigated. I will never get the loan paid off and can not afford to pay the {$1000.00} per month that they are telling is required to reduce the balance. I recently received an interest statement from them showing that I paid interest on this school loan. It is all very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: GUARDIAN MORTGAGE COMPANY, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Guardian Mortgage of XXXX Texas withheld my insurance money for home repairs until the repairs were complete. I paid off the mortgage. If I had n't had enough money. I would have been left homeless because of their abusive policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint against PENN CREDIT CORPORATION because they are attempting to collect a debt that I do not owe them. Account name : PENN CREDIT CORPORATION, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: KEYCORP
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I called in to close my credit card on XX/XX/2015the account was paid to zero and I was told it was closed. I have been getting notified each month that it is past due and late fees keep getting assesed due to unpaid interest. I have told now on 3 occasions that the situation is being taken care of to a bank error in not disclosing that there was going to be an addition {$12.00} to pay. They keep waiving the late fee and telling me that the account is closed while giving me confirmation numbers of this. As of today it is still not resolved and I am getting nowhere with the bank. I want them to remove the late reports as I have outstanding credit and being penalized because of their incompitance. And for someone to help me get this card closed out like I having been trying to do since XXXX/XXXX/15. I am beyond frustrated and about to lose my mind over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Prosper Marketplace, Inc.
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The initial TILA docs showed a due date of approximately 45 days from the time I initiated the loan without revealing the actual due date is 30 days from the time the loan is closed. The final TILA docs show my due date of the XXXX of each month which caught me by surprise. The company refuses to change a due date to reflect the due date originally provided to me via the original TILA docs. I called the company and the representative stated that the original TILA shows 1 month and 14 days to allow for closing times. The TILA does not show the time frame otherwise that the first payment is 30 days from closing date. The company tells me I have 14 days from due date to avoid late fees. This is unacceptable to me as is not the due date I expected from the original TILA documents. This is an unfair and deceptive lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Credit Bureau Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company who calls themselves CBCS is calling my work phone constantly as well as leaving messages on my work phone. In the message they state that they are a debt collector who is attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: TRUSTMARK CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My vehicle was repossessed in XX/XX/XXXX. A complaint on deficiency was filed in the County Court of the First Judicial District of XXXX County, Mississippi against my grandfather, primary buyer and I the co-buyer. The Mississippi Statue of limitations on collecting on a debt is 1 year. A default judgement was entered on my grandfather on XXXX XXXX, XXXX. A writ of garnishment was issued against him on XXXX XXXX, XXXX. Due to lack of knowledge of the fair debt collection practices act notice, I did not fight the summons I received on XXXX XXXX, XXXX. Which would have surpassed Mississippi State of Limitations on collection on a deficiency claim. A default judgement was then entered against me on XXXX XXXX, XXXX. A writ of garnishment was issued on me on XXXX XXXX, XXXX.they renewed the garnishment on XXXX of XXXX. Fast forward to XXXX XXXX, XXXX my bank received notice to froze my accounts due to the garnishment issued in XXXX. My accounts became frozen on XXXX XXXX, XXXX. I was n't given any notice as to what was going on until my accounts was frozen. State law dictates I have 30 days to respond to the garnishments of my accounts before they will release funds to the courts. I have only been given 10 days to fight back. I am in the process of writing a letter to courts to file a motion to vacate the judgment due to the Statue of Limitations expiring before the summons to appear in court to fight the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint against AMSHER COLLECTION SERVICES INC, because they are attempting to collect a debt that I do not owe them. Account name : AMSHER COLLECTION SERVICES INC, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: OH
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 previously sent a dispute letter addressed to you requesting that you update, and correct the disputed erroneous account that is reporting inaccurate information on my Credit file. I have read that you are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up on the previous CFPB complaint I submitted complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit Reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of the investigation. However, you have failed to send me copies of the documents they are required to send me and claimed that the accounts are verified. I am requesting the Credit Bureaus to please correct the listed account from my Credit report : XXXX XXXX Balance Owed : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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: Personal information incorrect

Complaint:
Reporting agencies Experian, XXXX, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint.

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 2015-08-24
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I hve had this company report on my an account that I dont have nothing to do with me a collection from a company that fraudulently opened the acct as a result of identity theft they need to close this acct immediately and stop trying to collect on fraud accounts.,!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: TCF NATIONAL BANK
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have requested gateway one lending to not call my cell phone several times. They continually call my cell phone up to 20 times a day .lravimg several messages. They also call and leave detailed information about the amount I owe with 3rd parties several times a day as well. Harassing me about payments.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX XXXX XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently became interested in building my credit but when I received my credit I realized that someone has been using my information for several years to set up multiple fraudulent accounts which includes XXXX XXXX XXXX  XXXX XXXX, XXXX also there are several hard inquiries on my report that I have no knowledge of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be 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 2016-04-25
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company " ERC '' leaves automated phone message that this an attempt to collect a debt. They do not ask for anyone by name, nor do they say to whom the " debt '' is supposedly owed. We are current with all bills, own our home, owe nothing to no one, and refuse to call the number and report our case number left on the message, so that we do not give them any encouragement. This annoyance call comes in on our home phone over and over, and we 'd like to stop this repetitive call for a bogus debt. Please tell them to stop calling our number. They call from XXXX. How can we block them from bothering us? Thank you.

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 2016-10-02
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My checking account at TCF National Bank has been charged fees of an excessive amount, nearly abusive, resulting from overdrafts. I take responsibility for the overdrafts but the excessive fees resulted in economic harm to myself and my family. I would like the situation to be resolved in a mutually beneficial way so the account is reinstated, the fees are reduced, and the bank has the ability to make use of the account. I have the need for additional personal and business accounts. It has taken quite a long time for me to address this issue as there have been a series of illnesses in my family, with my wife 's mother and father passing away and my own mother XXXX in XXXX after a long struggle with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company I am filing a complaint against is PayPal , Inc . 

Around the end of XX/XX/2019, I made a change of my personal bank accounts from one banking institution to a new, different banking institution. When this change took place, I logged into my PayPal account and made the updates accordingly. 
I made my NEW account my preferred account for paying for transactions and attempted to remove the old account I no longer wished to use. I was unable to remove it from my account page, so I placed a call and spoke to a PayPal representative. They informed me at that time that the old account could not be removed for 60 days, since a transaction had recently been applied to that OLD account. I understood and thought that was a fair process at the time. 

I asked the PayPal rep at that time if my new account was indeed the preferred account going forward and that the old account would not be used for any further transactions. The rep assured me that the NEW account would be the main account and used moving forward. 

Since that time, PayPal has continued to place charges against the OLD account repeatedly. I have placed several phone calls to have this corrected and for over two months now, I have not received any sort of resolution whatsoever from PayPal. They have caused me to incur several hundred dollars in fees from my OLD banking institution. In continually placing charges against the OLD account, I am not able to close that account with my institution which has caused me great frustration. 

Furthermore, PayPal has been removed as a method of payment from ALL previous merchants. Yet, they are still trying to place charges against my old account. This most recently happened today ( XX/XX/2019 ) with a XXXX XXXX  product. I spoke with XXXX this morning and they were surprised that PayPal attempted a charge for this product, for two reasons : They are not listed at all on my XXXX XXXX  account as a method of payment ( They confirmed my VISA # on file that is set to be charged ) and secondly the charge should not have been applied until after XXXX XXXX this evening. 

I believe these practices by PayPal are fraudulent and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Multiple fraudulent inquiries on report. 
I am a victim of Identity Theft. Please remove the below inquiries from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Enclosures : 1. Copy of Identity Theft Report 2. Copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four ( 4 ) business days. 

XXXX XXXX/XXXX  XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation