BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: MO
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:
Please REINVESTIGATE. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

I am uploading a copy of my Credit Report. The red boxes are marked where the failure occurs.

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 2023-04-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got this message with my XXXX credit alert : '' JP Morgan Chase reported a bank account opened with your SSN '' today. i called chase bank and the rep said he could not give out any information after I gave him my ssn and name. i dont know who opened an account in my name but it was not me. this is a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Social Finance, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I signed up for a member ship with sofi a few month 's ago i started to utilize the services offered. Then in the beginning of XXXX i had a issue with my external bank account where i was getting unauthorized transactions so my bank advises me that they need to send a stop payment to all my transactions to be able get my funds back. So i contracted sofi to let them know what the situation and was and sofis customer service told me my account will be at a negative and that to avoid any account fees i needed to make another transfer to being my account current. So on XX/XX/2019 i transferred {$20000.00} because i ended up closing my external account due to fear of my account being tampered with i then transfered my remaining balance to my sofi account. So my sofi membership account holds my funds totaling {$35000.00}. My complaint is sofi isnt even a bank how are they able to hold all my money and not release my funds to me its been 7 days they have bern with holding my funds and thats not right. I feel like they are breaking some sort of law because it's my money it came from my external bank. Ive tired emailing calling and they do not give me no answers yet my funds just sit there. I thought that maybe its due to assumption of illegal account activity but that's not possible because they make you log into your external bank to verify account owner ship. I just want my funds to be accessible for my use not to be held by a company that isn't even a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX Account XXXX has violated my rights 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer reporting agency can not furnish my account without my written instruction

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 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023. 

I've asked the Experian to remove the fraudulent accounts and inquiries from my credit report, they did not even open and ignored my CFPB COMPLAINT ID : XXXX. They did not even attempt to look at the complaint notice and I know my rights under the FCRA.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit account listed on my credit file was opened without my consent. The account reported by XXXX XXXX has been reporting over 7years and had been sold to serveral collection agencies who are continuously reporting current dates, back dating this anccount and keeping the account re surfacing. I am not responsible for this account and this account should be deleted blocked/ not reported again to my Experian credit file. Legal action will be taken for this continued reported charged off account. Any account and inquiries associated with XXXX XXXX should be deleted 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 2023-04-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXXXXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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:
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. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX OH 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.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2016-03-11
Company: FIRST ADVANTAGE CORPORATION
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, XXXX, I requested a Full File Disclosure report from First Advantage Consumer Center and their parent company/partnership Lexis Nexus. The First Advantage background reports I receive contained inaccurate information more specifically criminal records that did not belong to me and was disputed as inaccurate back in XXXX. 
I immediately contacted First Advantage to dispute the inaccurate information and was told I could not dispute because an employer did not order a background check. I explained to First Advantage the consumer has the right under the FCRA to order copy of any files you contain within your database and the right to dispute inaccurate information. To date First Advantage has refused to removed the inaccurate criminal record and address associated with my name. I do not have or use any alias my name is not XXXX XXXX XXXX and the courts records do not show my social security number or address associated with said criminal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: DISCOVER BANK
State: PA
Product: Credit 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:
XXXX XXXX In the amount of {$3500.00} a unauthorized charge was made to my card that I wasnt aware of until I got the statement, discovered said they would look into it be never got back to me and its been a fraudulent act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Credit 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 filed a dispute with Goldman Sachs for a {$960.00} transaction with XXXX XXXX XXXX, aka XXXX XXXX XXXX. The reasons for the dispute were that a ) the salesperson XXXX XXXX misinformed the consumer that the merchandise could be returned for a full refund without issue and b ) on XX/XX/2023, XXXX XXXX did not issue a refund for all of the items that were brought into the store to be returned. As such, a dispute was opened on the same date with Goldman Sachs. XXXX XXXX from XXXX XXXX XXXX, after filing the dispute and also on the same day, wrote a sincere apology via email ( attached ), admitting fault for and accepting responsibility for XXXX XXXX XXXX XXXX negligence on behalf of XXXX XXXX XXXX. As of XX/XX/2023, XXXX XXXX, the store manager at the XXXX XXXX XXXX XXXX XXXX location, confirmed via email ( attached ) their receipt of the return, as communicated to her by her team. On XX/XX/2023, I received email notification from Goldman Sachs that the merchant had responded. Via Apple Card chat and also on the same date, XXXX, an Apple Card Specialist with Goldman Sachs Bank USA, was unable to provide the merchant 's response, leaving the consumer without an opportunity to address the merchant evidence. In the past, there has been at least one Apple Card dispute in which Goldman Sachs wrongly sided with the merchant due to fact that they merely replied with their policy, which failed to address the original grounds of the dispute. When asking XXXX " Can I provide additional documentation showing that I am owed a refund for the return?, '' which has now also been attached to this complaint, no such opportunity was directly provided by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint again to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$150.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance {$430.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$580.00} ; XXXX XXXX  XXXX Balance {$900.00} ; XXXX & XXXX XXXX XXXX Balance {$180.00} XXXX XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX Balance {$3600.00} ; XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/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 2019-03-13
Company: Credit Karma, LLC
State: NJ
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:
Not sure if you can help..I have always ( weekly ), used Credit Karma.com, to get my credit scores, and check balances on credit cards and loans..I also used them to do my taxes last year..The last time I checked was XXXXI went on their website XX/XX/19, to do my taxes, and they now say my sign on is invalid..They want to text me a verification code to verify my identity, but they are using my old phone number..Thet phone has been deactivated! I entered my new number, XXXX XXXX, but they told me it was invalid..I sent them several emails from XX/XX/19, but receive no response..They dont have a contact phone number..They are still sending me emails prompting me to use their tax service, but I can not, since it tells me to verify, thru my old phone number..I am at a loss at how to get thru to them..Please help..Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I originally took out new auto loan late XX/XX/XXXX. My 1st payment due was XX/XX/XXXX, which I made a half payment on XX/XX/XXXX and another half payment on XX/XX/XXXX. This took care of the XX/XX/XXXX due date. On XX/XX/XXXX I made a payment of 2/3rds of XX/XX/XXXX payment and then on XX/XX/XXXX made the additional 1/3rd due for XX/XX/XXXX due, plus 1/2 of XX/XX/XXXX due. Had scheduled for 1/17/20 for the additional 1/2 of XX/XX/XXXX to be posted, along with 1/3 of XX/XX/XXXX due amount. And another scheduled payment to post on XX/XX/XXXX that would pay off the additional 2/3rd of XX/XX/XXXX due amount. So my account by XX/XX/XXXX should show me due for XX/XX/XXXX. My 1st 2 payments were applied correctly making me due for XX/XX/XXXX on XX/XX/XXXX. Yet from there none of my payments are posting accurately to push my due date forward appropriately, and at this time is showing me due for XX/XX/XXXX, when should be XX/XX/XXXX. They have taken principal and interest out of each payment. 
Called them on XX/XX/XXXX to complain and get this corrected to apply as it should be, and was told it would be moved to their accounting team to correct and get applied as it should be. Still at this time no resolution has been made to correct the issue and account is still showing due for full amount for XX/XX/XXXX. This has already been paid in full and should as of this date show XX/XX/XXXX with only owing a portion of the total amount since 1/3rd of it has been paid. And once the XX/XX/XXXX payment posts, should show due for XX/XX/XXXX. 
Same day I also sent a written message using the contact us selection on the web page. Which even though the selection is listed for questions, was advised they would not help and needed to call, which already had done. 
I have also since reached out on XXXX to complain about issue and when they responded they asked me to PM, they have since failed to even look at my PM to review the issue. 
I have all rights to pay my account ahead and if this was just a mistake of them thinking the extra funds were principal payments, then there would never have been interest removed from the funds for each of those payments. This is a UDAAP and Fair Lending issue in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite all my extended efforts to heve the fraudulent items removed from my Credit File, it is clear that the Credit Bureaus have been non-compliant of the FCRA section 605b. I geatly appreciate the effort done by the Credit Bureaus to correct a portion of my Credit Report that were incurred due to Identity Theft. But upon further investigation of my Credit File, I realized that not all the disputed fraudulent information was deleted. Once again, I was a victim of identity theft and the items I am disputing were never related to any transaction that I have made or authorized neither did I received any beneits resulting from my Identity being stolen. Acording to the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that the consumer recognizes as an item resulting from an Identity Theft. I am submitting this complaint to follow up my previous complaints regarding the same problem and have the following items removed immediately from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date 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 2016-09-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had a XXXX ( XXXX ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX ) stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. ) contacted NAVIENT but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring. 

NAVIENT XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation