BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: RIA FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Good Afternoon ; I have been using Ria Money Transfer since XX/XX/2021. I downloaded the application, and I was able to send money to XXXX and XXXX, where I have my relatives. I have not had problems for all these months until today. I was sending money to XXXX when my phone received a phone call, and I couldn't put the code to send this money. Then when I returned to the Ria Money Transfer app looked like the money was sent, which is weird since you can send money only with a code. A few minutes later, I received an email from Ria Money Transfer saying that I couldn't send money to the person to who I was sending the money. 

I called customer service ; they were very friendly, explaining what the email meant. Then I received another message from Ria Money saying that my account had been canceled. At that moment, the representative changed his tone of voice and became more aggressive. He told me that my account had been canceled. I asked, what is the reason? 
He replayed that it is the company 's policy not to give any information about their internal decision. I was never informed of their reason for blocking my Ria Money transfer account. I'm an outstanding citizen of the United States of America. I have never been denigrated. I feel that this company doesn't explain its policies, so I, as a customer, can fix any mistake on my part. At this point, I feel like a delinquent, and beyond that, I can't send money to my relatives any longer through Ria Money Transfer. I have spoken with several representatives without a justified answer to eliminate my account. They told me that I would never be able to use their service. I asked to speak with a manager. They told me that I couldn't. People like me can't infringe on their policies and procedures. I leave this complaint to you because they act as if nobody regulates them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX MIDLANDMCM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLANDMCM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX XXXX, a email was sent to me about a new credit card being open by Synchrony bank. 
I did not initially read or open the email when I received it. 
XXXX XXXX, another email was sent out, congratulating me on my new credit card. ( Both emails sent were by different XXXX accounts ) I called the number provided to try to close the account. They wanted me to say my SSN to verify the account, I did not want to and stalled by verifying other information they had while I searched online about SSN over the phone. I found out they already had my name, address, and that they wouldn't ask for XXXX other the phone. ( Plus they provided the address to me to verify and I don't think they should've been giving out information like that to begin with ). 
I hung up the phone without giving them the XXXX and despite them having my call back number in case the call got disconnected, they still haven't called me back.

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 2023-08-18
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
looking at my credit report, the car on my credit report is not mines, please look in this matter pls help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: GreenSky, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In XXXXXXXX XXXX XXXX, I was approached by a contractor to have some home improvement completed at my home. I informed him that I was unable to pay for the project he was suggesting I needed. I was told I could finance the project using a loan from GreenSky. The merchant strongly suggested I get a loan using an app on his phone. He asked me a few questions and said that I was approved. I was not made aware of the terms of the loan by the merchent nor were they explained to me in detail by a representative from GreenSky. Although I was totally not satisfied with the work, I started making payments to GreenSky because I did not want to damage my credit. The payments are causing me financial hardship. GreenSky 's lending practices are predatory and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: FL
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:
In XXXX there were several accounts opened in my name and I contacted all five of the creditors. Three of them closed the accounts immediately and removed them from the tri merge credit report. 2 of them both XXXX XXXX refused and they still show charged off accounts I did not open. On XX/XX/XXXX I was falsely XXXX on XXXX XXXX XXXX which was dismissed in XXXX. However, I was under the order of the court not to go back to my home until the case was settled. From XX/XX/XXXX to XX/XX/XXXX I was living in XXXXXXXX XXXX and various hotels throughout my of XXXX  and XXXX. In XXXX of XXXX an account was opened with XXXX XXXX in my name. I was not allowed to go to my home but an account was opened in my name. I have all the court documentation. This year on XX/XX/XXXX an account was opened in my name with XXXX XXXX XXXX  which I had no idea of until XXXX of this year. This account was paid by someone 3 times and then went delinquent. 

I disputed all of these accounts with XXXX and but a consumer statement on my account in XXXX to contact me before extending credit and only one car loan company has followed my request. Now my credit score is drastically lower than the XXXX  in the XXXX  when this card was opened. That is not right or fair. The creditors were notified that these are not my accounts but continue to list them on my report. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, 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:
They run my credit without my authorization TD AUTO FINANCIE VALLY 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 was not authorized to obtain my medical information. Under the Health Insurance Portability and Accountability Act ( HIPAA ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXXXXXX XXXX XXXX XXXX for them to release my medical information to a third party.

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 2022-04-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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 There is incomplete and inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: Accelerated Servicing Group LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt to a different collection agency in 2019. I told them that but they wanted proof and I couldnt find the paid in full letter. So I contacted the previous company and then turned it in with ASG. They said I would receive no more calls me or my family! Two days later my mother receives a text message from ASG!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I recently went to a XXXX XXXXXXXX for XXXX XXXXXXXX and I chose carecredit to pay for the XXXX XXXX that I would need to resolve this health issue. I was told that I could pay {$65.00} a month for 2 years with no interest if I used carecredit. 

I received an electronic bill and I paid the {$65.00} on XX/XX/23 as I was told to do. 

A few days later I checked my checking account balance and I was charged for the full {$1900.00} by CareCredit. I called CareCredit and I was told that I would be refunded the {$1900.00}. In the meantime, my balance had dipped below {$0.00} and I was started to receive overdraft charges and it was cascading into affecting my credit cards and my financial profile. 

A week later I still did not receive the {$1900.00} refund that I was told I would be receiving. I called again today, XX/XX/23, and at first I was told that there was no record that I would be receiving a refund. The person that I spoke to then spoke with a manager and told me that the funds were on hold, that it would be released tomorrow, and that it would take 5 days for it to be sent out. 

CareCredit mischarged me for {$1900.00} in a quick second and now it is most likely taking over 3 weeks to get that refund. This is unacceptable for a credit card in this day and age. 

Please let me know what else that I can do as CareCredit, I thought, was a company designed to help people pay for medical/dental services that they would otherwise be unable to afford. I would never have even purchased this dental appliance had I known that I had to pay for it all at once. I did everything that I was supposed to do. CareCredit has not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX dropped my score XXXX points in one day I am going to seek litigation I looking to hire attorney that goes for Experian XXXX If they refuse accurately report my credit report that includes everything Negative Collections Inquiries How does XXXX drop my credit scores XXXX something points in one day I am going to get attorney and a class action law suit

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 2023-03-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Its about " Trip Cancellation / Interruption '' benefit that comes with Chase bank XXXX XXXX XXXX '' credit card. 
I filed a " Trip Cancellation / Interruption '' claim of {$1400.00} properly with the credit card benefit provider online at https : //www.eclaimsline.com ( As per Bank instruction ) on XX/XX/2022 and provided/uploaded all required documentations. Its been close to one year, my claim has not been processed yet ( Its been in " Pending '' status since XX/XX/2022 ). Starting from XX/XX/2022, I have been harassed by the benefit provider. I was asked to upload the same documents multiple times that I have already uploaded/emailed many times. 

Roughly every XXXX or XXXX months, someone from customer service sends me email asking for the documents which I have already shared. I tried contacting them over phone many times but they are never reachable. I tried emailing them many time but no response. 
Between XX/XX/2022 XXXX/XXXX/203, I received 8 emails from them every time they ask me a document that I have already sent many times in the past. .It seems like none from customer service check the documents that I uploaded online or emailed. Most recently they asked me about a different credit card number information which I have provided to them at least 3 times. 

I am feel harassed and trapped in their never ending process. I strongly feel, the card benefit provider is delaying my claim on purpose and they don't want to pay me the reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Venmo user over here : I got scammed by a lady tried to sell me a fake watch, I felt for the deceiving pictures and send her the money within 10 minutes I found something fishy and I told the lady I wanted a refund, in that time spam the lady pull the money out of the account instantly and she refused the refund. Got scammed, I paid with XXXX XXXX and obviously they refund me. 

Now, Venmo refuses to acknowledge the situation and says to file for a police report when they authorized the scammer to pull the money right away. 

I am afraid to being send to collections due to their inability of pursuing scammers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05
Company: MONEY SOURCE, INC., THE
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:
This error on my report has cause me to go into a XXXX. I have spoken with several representatives and a supervisor regarding this matter. I was ensured that my credit would not be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: TN
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/ 2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2021-02-17
Company: Consumer Adjustment Company Incorporated
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe the original debtor, XXXX XXXX XXXX XXXX, ( 1 ) {$62.00} amount from XXXX or XXXX, not sure which year the original debt was created, but it is only one bill. Consumer Adjustment Co has listed the bill on my credit report sometime last year. I have NOT made a single payment to their company of any kind, yet they just made the debt NEW again on my credit report. They can not do that unless I have made a payment, which I have not. They had someone contact me, verbally and tell me that I owe them {$4000.00} or so. I told them I would pay on the XXXX of XXXX, XXXX. However, I have not paid thus far and will not being paying since they are trying to be fraudulent. They are trying to restate the original creditors name and double add one single debt to my credit report. It shows twice and they just made it new on the XXXX of XXXX. They did this through XXXX  Credit Bureau and I may seek legal counsel in the future.

Company response to consumer: Closed with explanation