BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Regarding Affirm loans XXXX & XXXX. As scheduled, I submitted my monthly payments to be drafted from my checking account. 

In the affirm system I could see that my loan was current, then after a couple of days - I'd see that the same payment did not " save '' in their system. After numerous attempts of contacting their customer service department, I do not have any proof provided from affirm that they actually attempted to withdraw the funds from my account. It appears they've essentially deleted my payment and changed the loan status in their system. This is not an NSF or return issue, because they did not even attempt to withdraw the money from my account. 

My credit is now being severely impacted, Affirm is claiming they have not received payments in two months. 

This is unfair because I rightfully made my payments in a timely fashion, and their system did not retain, nor notify me of the reasons why the payment did not attempt to draft from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX is sendjng me denial lettera of inquiries i never made - then sent another that my dad did get approved for butnsaid they needed his deposit that thwy nwver received it and lied untik my dad threatened them then he got card within 2 days ... i have a bunch of

opened XXXX XXXX cards in good standing but i never opened them or paid them and alot of recent medical bills are hurting me ans i never went there .. i wrote XXXX XXXX with one of the complaint forma ans ... i just need an auto loan but i dont know whats affecting me from getting ome when i make great money i sent both letters of fraud to XXXX XXXX along with a complaint form that i will sue if they keep reportjnf incorrectly .. XXXX XXXX and XXXX XXXX opened in XX/XX/XXXX i never opened the type says debt buyer and creditor XXXX - and they havw NB by everything .. thats a big hit .. i havent contacted them dont even know who to contact ..balance started at {$1400.00} and charged off at {$1400.00}. midwest recocery same thing never went balance started ar {$1000.00} and has ND and CO at  {$1300.00} that one is a medical bill someone must have went in as me not sure - that says XXXX XXXX ..is also right under it a high balance medical bill i never went to i have always had insurance ... and now i just got out of XXXX  my car got stolen and i was involves in data breach with XXXX  many years ago and i havent used or meedes to use my credit in almost 10 yeas and i go apply for a XXXX XXXX XXXX   and found out about my bad credit and i am a XXXX XXXX it was embarassing - please help me get an auro loan. i have disputed them with XXXX  waiting on answer back and i sent via mail with id social and another form of identificarion ... XXXX this is also prevenjng me from joining XXXX who ny whole family banks with plz help - i am XXXX  have a bad XXXX XXXX record but i need a car because im trying to finish up a XXXX  in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX. XXXX + XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXXXXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inauiry : XXXX. XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXquiry : XXXX XXXX, XXXX - XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Certegy Holdings, LLC
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 information incorrect

Complaint:
On XX/XX/2019, we attempted to pay for groceries from XXXX. The check was declined by Certegy do to derogatory information. I made contact with Certegy to obtain my report. When I received the report it contained nothing. But they, Certegy or XXXX cant explain why our check was denied.

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 2018-12-22
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
[ XXXX ] RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : XXXX- This revocation applies to any and all future debits. 



Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased an XXXX  computer from XXXX XXXX affirm. On the day of delivery I received an email stating that the package was delivered, I knew not to be true cause I was sitting on my porch waiting for the product. Once I realized my package was delivered elsewhere, I immediately contact Affrim who told me it would be resolved in 2 weeks due to an investigation. After 2 weeks I was told by Affirm there is nothing they can do and it will be reported on my credit if I didn't pay. After countless phone calls, a derogatory impaction was submitted to my credit score by the debt collector XXXX XXXX, who told me that they have no control over the debt but to do what Affrim tells them to do. This whole process has been a year-long process of false and unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: MD
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:
This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, XXXX, and Equifax. 

The consumer and natural person is submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-02-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX Account XXXX, Account name : XXXX Account number XXXX, Account name : XXXX  XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name XXXX XXXX Account XXXX 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 explanation
Consumer complaint received 2023-06-19
Company: LEXISNEXIS
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis continues to report erroneous information to my creditors and I don't know what else or who else they are reporting this " bogus '' information to but I've contacted them XXXX ( can't even count how many times over the last few years ) to try to get them to correct their " bogus '' information reporting. 

Again, I have " never, ever '' lived in XXXX and don't know why this address in XXXX keeps coming up on my information when I'm not aware of the exact addres they have on file nor have I any connection with anyone in XXXX, TX. 

Futhermore, I have " suppressed '' this due to the fact I could not seem to get anywhere with this " giant '' bureauocracy of more than 10,000 according to XXXX. They are illegally selling my information that is supposed to be " suppressed '' due to inaccuracy. 

What happened : I tried to get into my " XXXX '' membership today only to find they have gone to " verify '' online and evidently their " verify '' online is a tied to Lexis Nexis as they are the ones that I dealt with a few years ago and " suppressed '' or so I thought this erroneous data being sold off to other 3rd parties illegally. Either that or XXXX has " opted in '' to online data 3rd party furnishers that are getting their " bogus '' info from Lexis Nexis. They are illegally selling my information that is not eve " my '' information but is " bogus '' data that somehow ( probably a scammer ) ended up on my Lexis Nexis. I don't want a " lexis Nexis '' acct but there is " NO WAY '' to SUPPRESS their total disregard for accuracy @!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I got this in store credit card from XXXX XXXX but the company that issued the credit card is Citibank N.A.. From the start there was concerns as I was getting emails from them and in the body of the email it would say things like, Hi XXXX XXXX or Hi XXXX XXXX I was not able to login to the website to see my account information. I called them about this and they said they corrected the problem. The next time I went to use the card the account was locked and a message informed the check out person to call a number. I called them 3 different times over a month on XX/XX/XXXX, XX/XX/XXXX, XXXX at either their Customer service : XXXX ( XXXX ) XXXX or Credit card support : XXXX ( XXXX ) XXXX. On XXXX I requested to speak with a supervisor and got the same response. They won't let me cancel the account because they can't verify the phone number. They say they will call the number on file within 2 hours and this is how they verify the account. I gave them my number and asked if that was the number on file and they said Yes it was, but they never called me back to verify. Not within 2 hours. Not within 2 days. They never called me and we went through this 3 times. Card can't be used but neither can it be cancelled. The account must be tied with at least 3 other accounts as I have gotten 3 separate emails with 3 different persons names referenced in the body. I truly believe they are opening accounts and putting them in this state so they don't have to service the account but can use the accounts personal information for business purposes. 
There can be no other explanation as to why they have this ridiculous procedure of calling a telephone number within 2 hours to verify an account especially when they never call. I don't want Citibank to have an account for me and I don't want them to have my personal information.

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 2019-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have sent the company letters contact the credit companies call the company advise them of the fraud also the company is aware of the identity theft i know it is hard for companies to figure out who is the right person calling in because the fraudster has the same the information but i have done my part the best i can this account needs to removed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I see four hard inquiries on my credit report for which I'm unaware of those inquiries.

1 : XXXX XXXXXXXX  XXXX inquiry made on XX/XX/2022 XXXX : - XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 Please help in this regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX XXXX I filed a complaint against I.C. System, Inc. for making a report on my credit file about an alleged debt without sending me ANYTHING regarding the debt. I made it clear in the report that the alleged debt being on my credit report was not the only thing I was disputing, but the debt in its entirety. 
In the response to the complaint, I.C. System submit
ted a letter they allegedly sent to an address that was never mine. They also claimed to have sent me a text message I never received. 

On XXXX XXXX XXXX, I received a letter from I.C. System, Inc., dated XX/XX/, saying that they investigated my dispute and were unable to verify the information. They further stated in paragraph 2 of the letter that, " Our attempts to verify this debt as due and owing will continue ... '' They are using the date of the complaint to CFPB as written notice of a request for validation per FDCPA, which was on XXXX XXXX XXXX It is now, XX/XX/. This is more than 30 days. ONLY 30 days are alloted by the FDCPA to verify a debt, or permanently cease ALL collection activities. These people are violating FDCPA by continuing to verify the alleged debt beyond the 30 days.

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 2022-10-19
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello, So, I was the victim of identity theft from a previous book-keeper, ( XXXX XXXX XXXX XXXX He took out this very high interest loan using my information. I DID NOT know the interest rate was XXXX XXXX  I would never have authorized this if that had been disclosed. It was deposited into my business account by the book-keeper ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was a very high interest line of credit that I would never had authorized if I had known how high the interest was. I have reached out to the company with an email regarding the fraud situation. I also have a case number with the local Sheriff 's office and the FBI to help catch this person who did this to me. FBI Case Number : XXXX and XXXX XXXX Georgia Sheriff 's office XXXX XXXX XXXX XXXX 

Please let me know how I can combat this injustice. I should not be responsible for debt incurred through identity theft. My company can not afford any super high interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Never lived there. Notice when I was trying to rent a home this appeared up on my credit report Have reported Fraud. 


Also seems like XXXX is not even spelled correctly tryed to XXXX nothing appeared

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 2021-11-15
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions , LLC, on behalf of XXXX XXXX XXXX, is trying to collect {$190.00} since XX/XX/2022 in services not received from the original account, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
I authorize only for one company to run my credit report for a car, and mortgage. And its more than one on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, One of our client accidently sent two wire transfers to an account that is not our account at Wise ( formerly Transferwise ). The last digit was changed by mistake.

Details about the two payments : XXXX XXXX USD on the XXXX of XX/XX/2021 XXXX XXXX USD on the XXXX of XX/XX/2021 We have asked Wise team to help us locate our funds and retrieve our money. The sender 's tried to recall the fund and ask for Transferwise help to confirm, they refused to make contact with the sender 's bank. We have then ask them to make contact with the owner of the bank account that accidently received those two wires transfer, they refused again and didn't propose any solution on how to solve this case, saying it is not their problem to handle conflict between its clients.

Thank you, Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: KY
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
My information was bought and sold illegally because i am a victim of equifax data breach. I want these items deleted off of my credit report immediately. I am attaching proof that equifax admitted I was a victim of the data breach and equifax hasn't done anything about it. please help me get these illegal accounts off of my credit report. {$2100.00} XXXX XXXX XXXX. 
XX/XX/2023 {$600.00} XXXX XXXX XXXX.

Company response to consumer: In progress
Consumer complaint received 2022-10-19
Company: Collection Associates, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Not sure who this company is or why they are calling. They called my workplace XXXX but would not leave any information. They were told not to call, then right after called my cell phone and did not leave a message.

Company response to consumer: Closed with explanation