BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Lazega & Johanson Attorneys at Law violated my consumer rights on XX/XX/XXXX 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ). Which I have evidence of the incident. Lazega & Johanson Attorneys at Law violated my consumer rights again on XX/XX/XXXX 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ). Which I have evidence of the incident. Lazega & Johanson Attorneys at Law are also in violation of my consumer right 15 USC 1692f Unfair Practices. The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Me being the consumer I did not agree to pay any fees outside of the debt and or interest and I would like all of my money back that is outside of the debt. The {$110.00} in interest, {$33.00} attorney 's fees and {$600.00} in litigation expenses. These fees or not included in the original debt and Me the consumer is not liable to pay this debt 15 USC 1692f and I demand my money back from Lazega & Johanson Attorneys at Law since they continue to violate my consumer rights.

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 2019-03-29
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: Information belongs to someone else

Complaint:
First I want to say that for the last year and a half I have been calling the reporting agency asking to dispute these 3 accounts. Their representatives kept denying that the accounts were even showing on my credit file from their end. I didn't have access to a complete credit report because the online portal kept telling me that the information I provided was incorrect. All the while these accounts were showing on XXXX XXXX. 

So either they were previously deleted and now are allowed back on my file or the representatives lied to me. Either one would be a direct violation of the credit reporting act. 

The reporting agency just recently send me an update that the information was verified and valid. The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. 

I have called this original creditor company several times informing them that I was a part of several government and Equifax data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. 

This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. I have never lived in Florida, so this is very concerning. I even supplied my lease in the state of Texas for the time this debt was made. 

I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2023 I tried to buy flight tickets in XXXX XXXX. In the process I asked Affirm to approve a short financing for about XXXX. Affirm approved my application by asking me to pay a down payment of {$510.00}. I accepted because I needed the tickets. Affirm withdrew the money from my bank account instantly but the transaction was never confirmed with XXXX. I didnt get the tickets but I didnt have the money to find another tickets provider because Affirm took the money first. I tried since that momento to recover the money but today, more than 3 months later, but Affirm is still lying and didnt take my complaints seriously. I am a victim of fraud and abuse of power by Affirm Financial Inc. The case number given by Affirm was XXXX. 

My bank XXXX tried to helped but Affirm didnt consider serious my bank complaint as well. 

I dont know how possible is to have companies in our country doing irregular and suspicious business activities taken XXXX XXXX as their victims, stealing money with no consequences. 

I need your help to recover the money that Affirm removed from my account without any loan or transaction approved. 

Affirm customer service is a joke and every time I call them they say different information. They were trying for more than 3 months to make me tired on this process and finally keep the money. That is unacceptable. 

I am a XXXX with a limited monthly income and I have a family who depend on me. Affirm created a chaos in my budget since last summer and they showed no respect on this. 

I believe that your intervention will persuade Affirm to return my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX DISCOVER FINANCIAL SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account number : XXXX XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Key 2 Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/22 After reviewing my credit report I noticed a debt list from a company called Key 2 Recovery Inc. I contacted them by phone to speak with someone about the debt. I requested information to be sent to me about the debt I was hung up on I called back 5 times I talked to a supervisor he stated a letter was sent to my current address on XX/XX/22 requesting for me to confirm or disputed the debt. I requested for a copy of the original letter to be sent to me via certified mail. Supervisor refused and stated I will send it via email I decline again I was hung up on. I have made XXXX other attempts to contact Key 2 Recovery they pick up the phone and not say any thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Signed up for 0 % APR balance transfer. 
I have all documents from promotions and official agreements. 
American Express customer service claims that other interest fees applied and charged me every month for interest that was not in the agreement. 
When attempting to resolve for the third month in a row, an official case was opened, and when they concluded they were right they put the balance back and then added 4 cents to the balance due to poor accounting. 

I also have all monthly statements and they do not keep accurate balances from month to month. With last month 's balance, interest charged, amount paid, and any other fees on the statement, they will create a new balance that does not match what should be calculated. 

When finally closing the account, the service representative said everything was paid in full and I would not be charged anything anymore. The next month they sent me one last bill for interest that I was promised would not happen. 

XX/XX/XXXX {$2.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$1.00} + {$0.00} XX/XX/XXXX {$1.00} + {$28.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$52.00} Totaling {$100.00} in additional payments due to American Express 's poor accounting and billing. 

I can also provide dates and times for calls to customer service to verify I tried to solve the issue and was lied to by their representatives that I would not be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In late XXXX I received a Strange call from XXXX XXXX XXXX XXXX which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with XXXX XXXX  XXXX. Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from XXXX XXXX XXXX XXXX which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
I see that there are a disparaging difference between the credit scores between transunion and XXXX on the TransUnion there are no XXXX payments all payments are on time and yet and still I remain in XXXX XXXX has me close to XXXX there are no remarks or outdated information related to unpaid bills so why my XXXX XXXX has not moved from XXXX toclose to XXXX as XXXX it appears that TransUnion does this on purpose to minority people in order to keep them from procuring loans for houses and cars and this is a discriminatory practice there was absolutely nothing on my credit report that prevents my credit score from going up only XXXX point this entire year I want a full investigation of who is in charge and why these things are hampering me from going forward and that the numbers XXXX from transunion and XXXX XXXX there is a large gap racism

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 2023-05-09
Company: Receivable Management Group, Inc. (GA)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In reviewing my credit report I found an account on collection held by XXXX XXXX PH : XXXX XXXX XXXX Amount : {$2700.00} Original XXXX XXXX XXXX XXXX XXXX XXXX Florida It is true that I was XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX but my bills were paid my XXXX and since I had never heard of such debt ( no one ever contacted me about it ). On XX/XX/2023 I contacted XXXX XXXX of XXXX Florida, Billing inquiries, PH : XXXX XXXX XXXX, and after searching using my name and date of birth they were not able to find anything on my name, they did tell me that since it was an older bill they would be better able to tell me something if I could provided an invoice number. 
So, the same day, XX/XX/2023 I called XXXX XXXX, the lady that took the call, after I identified my self and explained what I needed, told to call XXXX XXXX XXXX where they would be able to provide me with the invoice number, the number turned out to be for XXXX XXXX XXXX XXXX XXXX XXXX 
I called them again and them some other lady took the call and after a bunch of bla bla told that she would email me the information, which she didn't. 
I'm sure that when you talk to them they will denied all of this and will tell you that I'm an old man and didn't understand what they were saying, and that I gave them the wrong email. It is true that I'm XXXX years old, but I assure you that I'm not senile and that what I just wrote is the truth. 
I'm sure that you will be able to clarify this situation. 
I appreciate your help, 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 2023-05-09
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
TO : Bluebird Customer Service XXXX XXXX XXXX XXXX, GA XXXX From : Account # XXXX XXXX XXXX I am disputing the following 8 Unauthorized transactions : XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$41.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$38.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$40.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX XXXX CA XXXX - {$40.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$120.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$28.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX XXXX {$55.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$42.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$35.00} XX/XX/2023 Store Purchase I did not Authorize Transactions from : XXXX XXXX nor have I recieved anything form : XXXX XXXX, I contacted XXXX they said they could not help and for me to make a claim with my bank. 
Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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:
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 non-monetary relief
Consumer complaint received 2020-02-01
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: Was not notified of investigation status or results

Complaint:
Experian report number : XXXX Experian has violated my rights under the FCRA. 
I filed a dispute with Experian to dispute an erroneous entry by XXXX XXXX XXXX in XX/XX/XXXX. I was not notified of this debt or my right to dispute. I became aware of the entry to my credit report added in XXXX XXXX by reviewing my credit report. 
Please note that this debt was initially reported by a company called XXXX XXXX. I disputed the validity of this debt and Experian removed it in XX/XX/XXXX. 
It was then purchased by XXXX XXXX XXXX. 

I received electronic notification yesterday from Experian that the dispute was rejected. 
Experian failed to adequately investigate this dispute and failed to notify me in writing of why this dispute was rejected. Important to note, but not at all surprising, I was also not notified by XXXX XXXX XXXX detailing why this dispute was was rejected. 

Experian advertises a site to upload additional information supporting a dispute. It doe not allow Word or JPEG uploads. After entering the requested demographic information, I pasted my statement only to receive an error message. 

If this matter is not handled lawfully, I will have no other option than to escalate to legal options Below is the Original dispute sent to Experian : XXXX XXXX XXXX has violated my rights under the FCRA by : -Reporting erroneous information to credit reporting agency. 
-Failing to notify me in writing of the debt and of my right to dispute the debt. I learned of this debt after seeing it on my credit report. 
-This erroneous debt and negative entry on my credit report has impacted a decision resulting in a higher than expected interest rate. 
*This debt was purchased from XXXX XXXX after it was disputed and removed from my Experian report in XX/XX/XXXX. 
Verify this debt as legitimate including the original contract, otherwise remove it from my credit report.

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 2023-05-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I currently can not access the funds in my account. When I called to check on this after verification from the fraud team by phone last week and by text on XXXX Yesterday after confirming my attempt to purchase I received a text saying my card is available for use. But I could not use it. I called and was transferred and told my account is blocked and under review. I then asked for a supervisor to gain access to the funds that were just deposited into the account. I was met with back and forth and then settled for a call back. I was given incorrect work times and was not called back. When I called again today XXXX  I was told supervisors are gone by XXXX EST. I was told XXXX yesterday. My auto pays are blocked and now Im not only late but having to pay fees and its affecting my credit. There has been a lack of communication. I didnt receive an email or letter stating this could happen. When a representative called me last week I was not told it was a risk or that its being reviewed or else I would have sent my direct deposit to another account that I can access and not one that is blocked. 

I just need to get my money asap! This is all I have access to for day to day and bills due. I have a chronic illness and I cant even pay my co-pay because I can not use my debit card. 

And they act like its not an emergency and I have days to let them take their time for an escalated matter dealing with my money.

Company response to consumer: Closed with explanation