BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: Affirm Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX, my phone number is XXXX. Last XX/XX/2021, I booked a ticket at XXXX. When I placed my booking, I paid it with Affirm. After paying it, there was a prompt in that said, this rate change from this amount to this amount. The new amount was HIGHER. I did not confirm the booking. I tried it several times but still there was always a prompt after paying it that said, this fare had changed rate. Which is always higher from what I selected. Affirm can see it in there system that there was an incident that I have several loan request that day. Unfortunately, even I am not confirming the new rate, the booking went through as per XXXX. But at this moment, I am disputing this loan to XXXX. I told them that they should never have a booking be paid first then after that they will change the rate. The dispute with XXXX  is ongoing. What I am requesting with Affirm is a little consideration. Considering this loan is still on dispute, I am asking them to PAUSE the payment. I am a family woman, I am the only one working for my family. My husband takes care of my daughter XXXX y/o daughter in XXXX. Then right now, I will be going back to XXXX this XXXX to get my daughter. I paid almost {$3000.00} right away from our tickets. Then I need to be quarantined in hotel where I will be paying too. My son just graduated too from XXXX XXXX that I spent some too going to Oklahoma. I am financially stuggling right now then Affirm is insisting me to pay something that I never confirm due to being unfair of process of XXXX. All I ask is for them to pause the payment. They said, they stand with merchant side. Even the merchant is unfair? I hope in case a loan that posted in Affirm and a customer dis not availed it and only went through due to lapses in merchant system, I hope in this case there can be a consideration to pause a payment. It is totally unfair to customer who dis not even avail the service the are oblige to pay. All I am asking to Affirm is a consideration. Please help me in this concern because their policy is not fair being one sided and the customer suffer a lot. Please consider the cry of customer. They are asking me to pay a loan I did not use. And they are on the side of Merchant that deceive a customer by giveng a lower fare rate then at the end of payment they will increase the rate. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CCS Financial Services, Inc.
State: PA
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:
On XXXX XXXX, XXXX  CREDIT COLLECTION SERVIC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Affirm Holdings, Inc
State: LA
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 twin sister opened this account up in my name with my ID. This account is not mine. I have vehicles with other places. Ive filed a police report in regards to this matter and ive eve tried calling the dealership requesting footage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: AR
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:
I've sent the experian multiple letters, where they are still avoiding me and my disputes. I also contacted the alleged creditor and they also couldn't provide me what i asked for. 

Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and they responded by stating they were able to verify not validate this debt. 

Tell me how is that possible when experian and webbank have employees and an automated system judging my disputes within seconds? 

Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. 

I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, experian are obligated by law to remove it from my credit file. I urge experian to remove this account before I am forced to take legal action. 

If experian can not verify the item pursuant to FCRA. And they continue to report it on my credit. I will find it necessary to ( Sue them for actual damages and defamation of my character. According to FCRA regulations, I may sue in any qualified state or federal court including small claims court in my area.

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 2022-08-25
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
AR Resources INC ( 1 ) is not dating their letter/correspondence or envelope ( 2 ) is not giving a time period in which to dispute ( 3 they are not giving an address in which to direct a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
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: Information belongs to someone else

Complaint:
AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/XXXX to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2400.00} the items are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,

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 2022-11-21
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 non-monetary relief
Consumer complaint received 2021-06-22
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In mid-XXXX, my XXXX  was forced to shut its dining room due to Covid-19 and I had to lay off nearly all of the two dozen staff. Sales plummeted more than 90 % even while trying to do just take-out orders. My financial position was very uncertain as the business had been taking losses since the start of the year due to rising public fear. 

I then learned that Chase Bank was offering assistance to people and businesses that were impacted. In lateXXXX and earlyXXXX I called Chase at least 5 separate times about my home mortgage. Several of these calls I was on hold well over an hour just to speak with someone. After a lot of time and effort, I was told that my mortgage payments would be deferred up to 3 months with no penalties. 

By the middle of XXXX ( a little over 1 month since my last call to Chase ), my finances became clearer and I were ready to make full payments for the mortgage. When I reviewed the account, what I found was completely unexpected. Chase had reported my account to the credit bureau for non-payment. When I called about this, I was told again there was no record of any calls to Chase for assistance. 

On top of the extreme challenges I've had to deal with the past few months trying to save my business, Chase Bank has only compounded my problems. It would have been better had Chase simply not offered assistance and I would have sought more trustworthy alternatives for financing and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
The original bank is XXXX XXXX Bank. The account went into a collection agency named Midland Funding LLC, and then it was sold to Midland Credit Management. Long story short, the account was closed and forgiving and are not collecting money from me because of financial hardship. As of XXXX XXXX, XXXX XXXX Bank is reporting my account negatively. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: LA
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:
Someone used my social security number for financial gain and personal use to commit fraud and attempted to open up accounts in my name, I will enclose a copy of my identity theft report along with the letters I have sent the Bureau as proof for them to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Long story short, a tenant security account was opened at XXXX XXXX. The bank changed hands a couple of times and now no one can find my account. 
Details : On XX/XX/XXXX, I opened a tenant security account at XXXX XXXX  and deposited {$850.00}. In the meantime XXXX XXXX was bought out by XXXX XXXX on or about XX/XX/XXXX. They were then bought out by Key Corp on or about XX/XX/XXXX. 

In XXXX my tenant moved and I tried to retrieve their security deposit only to be told by Key Bank that they had no record of my account. They suggested that I contact the CT Dept of Treasury Unclaimed Property Division. I did, and they have no unclaimed funds in my name. I had to pay the tenants out of my pocket and figure out who to make a complaint to. 

I don't know how or when my account was lost, only that I'm due {$850.00} plus interest from XXXX. I still have my account pass book showing my deposit. My account is # XXXX. My name XXXX XXXX and my mother 's name XXXX XXXX are on the account. ( My mother would handle my affairs when I was deployed with the XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: C/C Financial
State: MI
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:
On XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, MI and the furniture was financed through Merchant 's Preferred Lease-Purchase Services. The furniture was delivered to my home on XX/XX/XXXX, but the sofa ( 1 of 2 pieces of the sofa/loveseat set ) could not fit through my doorway. I was given the option to contact and pay an outside source to break the sofa down so that it could be brought in the house. I decided against it and the sofa has been sitting in my garage, brand new, still in the plastic since XX/XX/XXXX. I contacted Merchant 's Preferred in XXXX or XX/XX/XXXX, to let them know that I was being charged every month for furniture that I am unable to use because it didn't fit through my door. I was told that my account would be noted and to reach out to the furniture store to see if they could pick up the items. I was told that if I couldn't have the items removed from my contract and picked up by the furniture store, the items could be recovered by the recovery team at Merchant 's Preferred and resolved that way. I reached out to the furniture store and they told me that they are unable to pick up the furniture because they don't have a resale license and if they picked the furniture up and attempted to resell, although the items are brand new, they could get into legal trouble. They also said their system wouldn't allow the items to be returned anyway. I reached back out to Merchant 's Preferred to let them know what the furniture store said in XXXX or XX/XX/XXXX and they told me that the issue would be escalated and someone would reach out to me. I've called Merchant 's Preferred 4-6 times between XXXX and XX/XX/XXXX about having the items picked up but I have never been able to speak with anyone in the escalation department, a supervisor, or anyone in the recovery department. In the midst of trying to resolve the issue, I was affected by the Covid-19 pandemic, which they were aware of and I was told that my account would be noted for that as well. However, since I have been attempting to contact Merchant 's Preferred and waiting on a call back to resolve the issue, they are negatively reporting to XXXX  that I am past due on my account 60 days, owing {$4700.00}. This issue could've been resolved before it was reported negatively, but I refuse to pay for items that I don't have, especially when I have received no help after months of trying to resolve the issue with Merchant 's Preferred.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. It's also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 [ A7 { 1 ) A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

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 2022-08-08
Company: EQUIFAX, 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:
TO WHOM IT MAY CONCERN I AM WRITING TO UPDATE MY CREDIT REPORT WITH THE CORRECT INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE FOLLOWING CHARGES ON MY CREDIT REPORT. ALL CORRECT INFORMATION FOR ALL 3 CREDIT REPORTD ARE SUPPOSED TO BE 100 % ACCURATE. THE INFORMATION IS INCORRECT. TO PROTECT MY ACCOUNT I INCLUDED THE ACCOUNTS, DATES, AMOUNTS OF IDENTITY THEFT OR INCORRECT INFORMATION. ALL CREDITORS LISTED ARE RESPONSIBLE FOR UPDATING MY FILE. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, 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 am having the hardest time trying to deal with Equifax. I have been in contact with them since XX/XX/2020. They have been trying to ignore me and stall this whole situation. XXXX  and XXXX  has removed these accounts because they violated my consumer rights. I demand that Equifax follow the law and to remove these inaccurate accounts from my credit report because they are violating my consumer rights. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 

1. XXXX XXXX XXXX 2. DP OF EDUC 3. XXXX 4. XXXX XXXX XXXX 5. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC a letter requesting the validity of the alleged debt of XXXX that I don't owe.They haven't responded to my request thus far and I am seeking this inaccurate tradeline be deleted from my credit report.they also have violated 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted American Express via chat in XX/XX/XXXX to close my account ending in XXXX. The agent refused to close my account and advised me to send an email to the company. I closed all my previous credit cards with American Express via chat since XXXX.

Company response to consumer: Closed with non-monetary relief