BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
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:
I notified the company on XX/XX/XXXX of the unlawful reporting on my consumer report and violations made against me on their behalf. I wrote to them via a written letter with a notarized affidavit attached. The company has not complied to any of the demands, and has not furnished any type of accurate proof that I gave them written permission to furnish said information ( which I DID NOT ). They also have not furnished any proof of any ORIGINAL documents of said information reported on my account and have not responded in kind with an affidavit of their own. 

My livelihood is being impacted by this unlawful reporting, and I demand that they are held accountable for their actions. 

They are in violation of 15 USC 1681b - permissible purpose of consumer reports, THAT 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. 
I HAVE NOT GIVEN THEM PERMISSION TO FURNISH ANY INFORMATION. 

They are also in violation of 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 - ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AS WELL AS 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy CFPB, is it not your responsibility to hold these credit reporting agencies to the law set forth by XXXX?? ? These are my RIGHTS being infringed upon, and it is negatively affecting my life. This is absolutely unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter via US Mail allegedly from American Coradius International LLC on XX/XX/22 stating I owe {$120.00} associated with a XXXX account. XXXX confirmed that my XXXX account is in good standing and they see no money owed nor do they have any record of turning any debt associated with my account over to ACI. XXXX stated this was a scam and or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I was alerted that a application i did for care credit had been denied due to a previous applicaiton being approved. I never recieved any approval notices or cards in the mail. I calle Synchrony card services/care credit to resolve the matter they stated that someone opened a card with my social and a different name. They assured me that account would be closed and they if I sbmitted a new application they would " manually approve it '' and apologized for the inconvienece after several transfers and talking to several different reps I completed a new application over the phone as i was instructed to do, they denied it and said that decision was final depsite what the fraud rep told me. Then upon checking for more information on how someone could open an account with my social and not my name they said they cant give me any information and to check with the credit burea. They handled to sitiuation poorly every rep gave me different information continuaslly tranferred me to the wrong departments and I completed another application with them which palced an inquiry on my credit only to be denied after their rep said it would be apporved as long as I completed a new application which every rep after that told me they cant manually approve anything despite more than one rep stating they would do so.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, the bookkeeper at the XXXX XXXX XXXX XXXX ( of which I am the XXXX  and XXXX XXXX XXXX ) created a check payable to XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$10000.00} using our online checking account with Chase Bank. On XX/XX/2021, we learned that XXXX XXXX had never received the check even though it had been cashed and the check cleared our account. After investigating and reviewing the canceled check we learned that it had been fraudulently endorsed as follows : XXXX XXXX XXXX XXXX XXXX Pay to the order XXXX XXXX '' and XXXX XXXX XXXXXXXX ( XXXX ) had accepted the check. No one at my company or XXXX XXXX XXXX knows this person. After many inquiries with Chase bank and after preparing the attached affidavits we were told by Chase  that XXXX required XXXX to investigate. After 120 days we checked again with Chase and were told that XXXX has not responded. We have repeatedly made requests for reimbursement from Chase since then, but we are told every time that XXXX  has not responded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04
Company: Mercedes Benz Financial Services
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: Investigation took more than 30 days

Complaint:
MERCEDES-BENZ FINANCIAL SERVICES Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

MB FIN SVCS ******* XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-10-15
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent all EQUIPMENT back to XXXX XXXX XXXX. And CREDENCE RESOURCE MANAGE is still trying to make me pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A few months ago I have moved back to the states. I opened a bank account and they said I have my personal credit information compromised. Following bank and credit instructions I wrote XXXX certified letters and sent them out on the XX/XX/2022, to XXXX, Transunion and XXXX with a copy of my ID and copy of my SS. Although I didnt like the idea of sending all my information they said this was the only way to verify my information and solve my credit report. 
It cost me {$23.00} plus my time and frustration to send these letters proving my identity. 
Two of the credit companies have now answered me with a very poor information, no report and basically say to send the information again. XXXX which was my main concern has not answered and the letter was picked up by who knows who. 
It is unbelievable that there is no way by phone or email to find a solution and even a registered mail is not taken into a more professional consideration. 
I have been rejected by basic credit cards and I want to start building credit but I dont know how to go around this problem.

How do I get to verify my credit information when these three companies just wash their hands. Im sure Im not the first person to move back home after 20 years and want to start all over again. I have proof of everything and I want to find a solution. 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 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
hello XXXX reporting the discover and the radius account that its not mines discover states that its a charge off but still have been reporting past due payments radius dont belongs 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 explanation
Consumer complaint received 2023-05-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated a transfer from my Goldman Sachs online savings account to transfer to my external XXXX XXXX checking on XXXX at XXXX XXXX XXXX utilizing the XXXX XXXXGoldman Sachs app through the digital wallet on my XXXX. The app stated pending, and XXXX business days as typical to complete. 

I called in on XX/XX/XXXX requesting status and was advised to read the terms and conditions that state 3-5 business days to complete a transfer. Then was advised that I should call back if transfer is not completed by the end of day XX/XX/XXXX. Called in on XX/XX/16 and was informed transfer was still pending and that a supervisor would review why the transfer was pending and it would be another 3-5 business days. I asked to review routing and checking account information which was confirmed as correct. 

Still waiting on the funds transfer six business days ( XXXX and counting ) after my initial request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I live in a state that has legal online gaming, This is a processes I engage in regularly for entertainment. I am XXXX XXXX  because of my XXXX. So this helps me to pass time. I have asked customer service more then once to look into my checking account for errors. I have had my account overdrawn several times from transactions made from from many different online casinos. I have come to watch my balance every time i deposit into my XXXX acct. to ensure that the deposit comes off of my online checking account ledger with every purchase i make. ( It always dose! ) I look at my ledger and see my balance drop by the amount of my purchase. Sometimes when i look the next day my balance will change over night. There are many more transactions added from the dates earlier that have already been paid. By that time it is impossible for me to track because every thing is move around in the balance column of my acct. ledger. And all of the balances have changed. Bottom line I am being charged twice! I have asked to talk to several supervisors to help with this problem. all they tell me is they don't know why this is happening. So they connect me to another department they tell me the same thing. And it never gets resolved. All they can seem to say is something looks wrong. Please Help! I just want to know why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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 have no a knowledge of this account according to the FCRA This item must be removed

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 2022-10-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, I decided to change my phone provider to XXXX for a cheaper service and due to the company I was working for discounts on the bill as well. So once the order was done I chose through USSA the bank that my funds are in to do the charge of {$70.00}. When XXXX stated to me I will receive the letter in the mail to call them with the code, I did it on the XX/XX/2022. I called them on my mobile phone and gave them the code and they transferred me numerous time to finally get me to an IT person that finally told that some how of other I not be on my mobile phone due to they couldnt figure out why the transferring the service was not happing electronically, by now it was already 3 hours of dealing with it. So I borrow my daughter phone to call XXXX again. On this call another 4 hours being transferred 12 times and finally getting someone to see what can do for me then decided to tell me I need to go to one of their stores to show them my ID and for them to help me there. Every time I spoke with the agents I had already explained that I have a new phone that I have received from my daughter brand new in XXXX. So on that week Sunday I show up finally to get help and to let them know what has been happing to me on the phone and I chose at that time to cancel the service due to losing interviews and jobs and removing anything to do with XXXX for not working on time and not helping properly with me over the phone to be told by the agent in the store that they dont have a manager on the floor to cancel the order and need to call back XXXX that I want a refund. So the next day on Monday I called and was transferred again for over 10 times and still no refund them hanging up on me and being told I will get the refund. Could not call during the week due having to work. I was calling back again and went through the same thing until XX/XX/XXXX that finally I was told have being transferred over 10 times I will get the refund, but I had called USSA to let them know and to also dispute to charges of the issue just in case XXXX  doesnt do it correctly. But USSA DO NOT HELP THEIR CUSTOMERS AT ALL!! They feel that after speaking with XXXX I was in the wrong and I dont need to get my money back because I had their merchandise that I never purchase from them. I have already reported XXXX to XXXX, but still no answer from them and the USSA feels after explaining to them numerous times I never received service from the company they have the right to have my money. USSA doesnt care about their customers just keeping the big company happy. So I still dont have the charges reverse due to this. I will never use them for billing ever again, I learned my lesson.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1997 Experian Customer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Office & Experian Customer Services I recently purchased a copy of my Experian credit report through the Experian app, please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Experian through arbitration. 
Again, I reject the arbitration clause in the Experian interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Experian has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Experian has been prepared for Presentment to Experian, by me, XXXX 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 2023-10-15
Company: MOHELA
State: VA
Product: Credit reporting 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:
Mohela reported account with balance which is incorrect-it should read as a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation