BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-18
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from Covergent Outsourcing debt collector stating I owe XXXX XXXX {$8500.00}. I've never had or owned a XXXX account.

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 2021-08-25
Company: Social Finance, Inc.
State: NY
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:
Late XXXX XXXX I applied and was approved with a SoFi Credit Card . 

XX/XX/XXXX, XXXX USPS informed me via their USPS Informed Delivery that a SoFi correspondence is coming and shall be received within the day. It never came. 

The week of XXXX XXXX I have filed for an unclaimed letter at USPS but they never got back to me. 

The week of XXXX XXXX I called SoFi customer service people regarding my concern of not receiving the card. They advised me to wait and call back within a week before they can replace the card. 

XXXX XXXX I received an email and text that they have noticed a transaction at XXXX XXXX XXXX , NY for {$940.00}. I called them and told them that I have not received the card and have not activated the card. They said that I am not liable for it and it will be investigated. 

The following week, XXXX XXXX- SoFi 's investigator told me to secure a Statement/ affidavit of loss from the customer service in order for me to file a police report. She told me that after filing a police report, I should give her the incident number, Name of the Police, Address and Fax number. I called the SoFi 's customer service and asked for the said document but sent me a current balance which is {$0.00} as of XX/XX/2021. I have been calling them regarding the said Affidavit of Fraud Form but still they are unaware of the said document. 

XXXX XXXX I was surprised that they have completed their own investigation and that they have concluded that I was liable for the said transaction. They have not even presented any proof that I made the said transaction. XXXX XXXX even told me that I have the card, I made the said transaction which is absurd, First of all, How can I file a complaint without SoFi giving me the said affidavit? I was in the police station to file a complaint but they can not entertain me without the said affidavit of fraud from the credit card company. 

I have been calling SoFi but we are just running circles. How did they came up such conclusion that I made such fraudulent transaction? Did they even check the IP address that was used if was used via online transaction at XXXX XXXX XXXX?, the phone number that was used to activate the card? did they even check and coordinated with XXXX ' CCTV if I was in the said store if it was done in person? This is just so absurd and I hope I was treated fairly in this matter. They have lapses in judgement making their fraud department unreliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Kriya Capital, LLC
State: TN
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 XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
XXXX : Worst reporting XXXX. Other XXXX ( Experian and XXXX ) has no collection accounts. But XXXX is still reporting. I have tried my best. Reporting late payments on closed account which are upto date.

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 2023-04-04
Company: Collection Management Holdings, LLC
State: GA
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 checked my credit and saw three medical bills reporting from COLLECTION MANAGEMENT for XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$660.00} ; one account from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in the amount of {$720.00} and one from XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$680.00}. 

These are all incorrect as I have been in and out of prison and have been homeless, something I let the triage nurses know prior to services rendered. I completed the financial assistance forms to ensure services were covered. I am very surprised to see these bills reporting to my credit. I never received any correspondence about these debts or how to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXXXXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My mother was financially abused by her caretaker for the last 6 months of her life. Around XXXX was withdrawn from several of her accounts. This was done in {$1000.00}, XXXX, and XXXX dollar increments about everyday. Wells Fargo did not notify my mother or myself who is also on these accounts. I did not have any electronic access to see any of this activity. I didnt see this until after my mom passed away and I had to get the past statements from Wells Fargo . I have tried numerous times to file claims only to be denied. I also filed a claim with the attorney general also to be denied. I believe that Wells Fargo has some ownership in this as they were not looking out for my mom and did a huge disservice to her and myself. I have copies of statements to prove this activity. It raises huge red flags which they did not act upon. I also have checks that the caregiver forged for her rent and duplicated and triplicated her weekly pay.

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 2022-04-21
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
There is fraudulent inquiry from Elan Financial for a business car.d I dont recognize I am requesting the inquiry be removed asap

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 2022-04-21
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector XXXX Paragon is unable to prove what I owe and why. Despite not being able to prove it they sent me an attached bill from the children 's hospital which clearly shows blank. I attempted to call PA XXXX PAragon Revenue Group they have stated that they do not know what is owed but they require {$1700.00} to be paid full. I find it very concerning that they can not provide a bill of fees and only provide a bill where it shows i owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: NJ
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:
all my credit card accounts have been paid with XXXX balance all 3 bureaus have not and will not up date the accounts to show XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In short, I signed up for Chime when they had a promotion, promising {$250.00} in credit if you completed specific payroll transactions within a period of time. I completed the required steps, and waited for my credit, never received it, reached out and was given subpar, mediocre responses without any valid reason for why I did not get the credit. As a result I opted to file a complaint with CFPB. Chime has remained problematic in their lack of regard and response to this prior complaint, only stating the minimum to get CFPB off their back and not rectify their wrong. Please handle this with appropriate investigation into Chime 's problematic practices. I am attaching the transcript of the prior complaint and Chime 's responses which were utterly inadequate and have not resulted in any form of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was initially contacted by mail from XXXX XXXX and XXXXDebt Collector by letter dated XX/XX/2021, who states their client is Synchrony Bank. I had no idea who they were. They have indicated in correspondence dated XX/XX/2021, that the account has been charged off and they are trying to collect from me. I don't have any agreement or contract with XXXX XXXX and XXXX/Debt Collector ; I don't owe any alleged debt to them. They have sent letters indicating they are attempting to collect a debt and that they are an attorney at law. Pursuant to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Any alleged indebtedness is an obligation of the United States Pursuant to 18 USC 8 - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. I sent an Affidavit of Truth and have not received a response. There are many individual actions and they were given 21 days from date of receipt, which was XX/XX/2021, to send payment according to the attached invoice, of all the individual actions, and have not done so and was given ample time. I am seeking remedy from XXXX XXXX and XXXXDebt Collector. I demand that any information pertaining to XXXX XXXX and XXXX/Debt Collector and their client be removed from all credit reporting agencies, immediately. Affidavit and Invoice included.

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 2023-01-25
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried to remove the debt from my credit report by calling your company because my name was used and it was an identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CARD Corporation
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I filed a claim with CARD.com card ending in XXXX on XX/XX/2021 Claim No XXXX total of {$150.00}, and {$1300.00}, equaling {$1400.00}. I disputed transactions due to services not being rendered, as stated on disputed form, also returned items, credit pending, wrong items, cancelled, prior to billing services. I disputed those transactions with CARD.com, and yet they have not settled my account with amount appropriated. Also they are delaying in shipping me a replacement card, its taking them sometime. I always seem to be having issues with this card.com services they are really rude at times, they don't listen to me. I get upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: WI
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:
Equifax is reporting fraud accounts on my credit report. I previously sent Equifax letters, for months, disputing these fraud accounts below in my consumer file : XXXX XXXX acct # XXXX {$2500.00}. XXXX XXXX acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already Faxed an FTC report & copy of ID & SS card to Equifaxs fax number. Equifax has received my letters and was required to take the appropriate action within 30 days of receipt. This company is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! However, Equifax has willfully failed to delete the disputed information as I requested in my dispute. Equifax 's action or inaction is an intentional violation of the FCRA. Equifax is also reporting inaccurate & fraud names, addresses, phone numbers & employers on my credit report. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: NC
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$12000.00} XXXX  XXXX {$380.00} XXXX  XXXX  XXXX {$770.00} XXXX  XXXX {$1300.00} XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Navient Solutions, LLC.
State: CA
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:
THERE ARE 7 " NAVIENT '' ACCOUNTS ON MY CREDIT THAT ARE REPORTING LATE ON XX/XX/2020 & XX/XX/2020. THIS IS INACCURATE BECAUSE PAYMENTS WERE DEFERRED DUE TO COVID19. THE CARES ACT PASSED BY THE FEDERAL GOVERMENT MEANT THAT NO PAYMENTS WERE REQUIRED. PLEASE RECITIFY THE LATE PAYMENTS ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep harassing me by calling me repeatedly. I've told them to stop calling me and they continue to do so. I block one of their ohone numbers and they continue to call me from different phon numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: AL
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.

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 2021-08-26
Company: EQUIFAX, INC.
State: CA
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 discovered multiple fraudulent accounts and hard inquires on my credit report. I filed an Identity Theft Report with FTC.ogv and sent it to credit bureaus. I submitted and sent my reports numerous times to Equifax and they failed to fix my report. All fraudulent accounts are still showing on my report, and they keep giving me a response that Hard Inquiries will stay for 2 years and ignoring the fact that I am a victim of a theft. It is so frustrating that they don't protect victims and are not effective in removing inaccurate and fraudulent accounts and inquiries from a consumer reports.

Company response to consumer: Closed with explanation