BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to file a complaint against XXXX and AFNI, Inc. 

On XX/XX/XXXX a collection item was reported on my XXXX  credit file by AFNI , Inc. on behalf of XXXX  in the amount of {$470.00}. I deny owing this debt and I want a full  investigation and removal of this information immediately. I want sound evidence from XXXX detailing the events of my service transfer in XXXX and details to support the debt of {$470.00}. 

Over the past several months to a year, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX AFNI, Inc to date. Accordingly, I am requesting that you investigate my dispute under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ].

I am requesting your assistance in putting an end to this matter. Please review the attached details and other documents. If you have any questions or need additional information, please contact me at the address listed below.

Thank you for your assistance.

Details : 1. In XX/XX/XXXX I was living in apartment at XXXX XXXX XXXX. XXXX  XXXX, XXXX, IL XXXX. During that time I had, and still have, XXXX cable. 

2. During the same month of XX/XX/XXXX, I switched apartments moving from XXXX  XXXX to XXXX  XXXX. I made arrangements with XXXX to have the service transferred. 

3. On XX/XX/XXXX, the attached XXXX bill shows a balance of {$230.00} for XXXX  XXXX. 

4. On XX/XX/XXXX, the attached bill show a credit {$230.00} and a {$0.00} balance. 

5. Conversations with a XXXX representative said they would link the new account, because I wanted to keep my email & same land line phone number. The attached document dated XX/XX/XXXX is a confirmation email from XXXX stating the accounts have been linked. 

6. XX/XX/XXXX is a summary of new service. See attached document. 

7. XX/XX/XXXX is new service address for XXXX  XXXX, with an amount due of {$2.00}. 

8. XX/XX/XXXX payment was received {$2.00}. 

9. The rest of the story is history. I am still residing at XXXX XXXX XXXX. XXXX  XXXX, with the same XXXX service from XXXX. 

10. Over the past several months I have disputed this matter with XXXX directly & I have gotten no answers and more importantly no evidence or details proving that I owe this debt to them. 

11. On XX/XX/XXXX, I received an alert from XXXX  stating that a collection item was reported on my file by AFNI, Inc. I called AFNI to confirm if this was from XXXX. 

12. If, I owed them past due balance they would have ended my service with them. Its been over 2 years & I still have no answers. XXXX is clearly in the error and they are trying to push their poor record keeping on me. I will not stand by and be robbed by this giant who is bullying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account called " XXXX XXXX XXXX XXXX '' on my credit report which is fraudulent. This was opened up by someone who stole my identity back in XX/XX/2010. I have filed a police report and an affidavit and forwarded it to the all of the credit reporting agencies. XXXX  and XXXX removed the information except for Experian. They never took it off or took my case serious. I have disputed this account a numerous of times with Experian but never removed this fraudulent information from my credit report. I am very dissatisfied with this credit reporting agency because they should take fraud more serious and report accurate information. If you all can help me remove this fraudulent information off of my credit report, please do so. Thanks a lot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My card was stolen from me on XX/XX/21 and I started to receiving deposits of {$1800.00} into my account and whoever had my card started taking out the money so I reported this information to my bank to and they told me that I was depositing {$900.00} checks into my account so I was letting them know that was not me doing those deposits and that I dont use checks at all!!!! So I filed a claim of fraudulent checks was deposited into my account. I have reported this situation over 5 times now because they continue to deposit checks into my account and putting my account into a negative I was asking them if they could close my account or something so they told me they will close my account on XX/XX/21 and that they got my account on hold and that I couldnt open a new account with them in the future ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received Chase Debit Card in the mail. But I do not have a current Chase Bank account. This account was established fraudulently. I did not consent nor authorized this account to be established.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
XX/XX/20 and XX/XX/20 Equifax processed/ran 2 fraudulent credit inquiries made by XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, NY XXXX. 
I have communicated with Equifax and XXXX since XX/XX/20. I had informed both of them that I do no business with XXXX - no account, credit card, loan or anything. 
My Equifax communications via telephone started XX/XX/20 to dispute above fraudulent inquiry, XX/XX/20 to place fraud alert ( which was done. ) On-going communications included calling about their dispute resolution outcome - I didn't create Equifax account to review their outcome online but called and was informed the XXXX inquiry would remain on my credit report. On XX/XX/20 I received another alert from my credit monitoring service for another fraudulent inquiry by Equifax - again listing the XXXX listed above. XX/XX/20 I called Equifax and was given information on how to file a complaint with Equifax. 
My XXXX communications via telephone started XX/XX/20. I made on-going telephone calls for days to XXXX and was transferred to every imaginable department they had, provided exhaustive personal information and told they didn't see an account, credit card or loan application/created in my name. I also spoke with their Identity Theft Solutions Department with same outcome - nothing in my name or social security number. When I received the second alert on XX/XX/20 and called XXXX Identity Theft Solutions Department on XX/XX/20 and today XX/XX/20 - both times they told me they didn't see anything in my name or social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a washer and dryer at beat buy XX/XX/XXXX for a gift for my mom got them deliver and when they arrive we couldnt find a connection for them so I called and have them picked up so I could return them witch they did and I waited XXXX weeks to make another purchase and I bought a phone and a television I payed what I had bought last witch was the tv and phone and still owed the washer and dryer for called Best Buy to try to fix it and they didnt want to help because they told me I had to get in contact with citi witch is the finance so I did I put a complain XX/XX/XXXX and they denied it saying they are charging me for delivery fees witch its the same amount as what I was going to pay for the washer and dryer

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 2017-03-29
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
I got up this morning on XXXX/XXXX/17 at XXXX and called my phone company to pay my phone bill of {$50.00} and it did go through, I called my card to make sure I had {$60.00} left for my kids diapers wipes and food and there was only {$10.00} left on there. I did got to my phone company and they pulled up my account and there was only XXXX transaction that was approved for only {$50.00}, but the American Express company took out an extra {$50.00} which is by law called fraud. So I called my phone company head office and they even said only one payment was approved for {$50.00} thAt American Express has frauded me of an extra {$50.00}. I have already talked to a lawyer and I will be aiming to press charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ability Recover was hired to collect a debt that is not mine by XXXX XXXX XXXX. Neither Ability Recover nor XXXX XXXX XXXX can prove that this is my debt. I have asked everyone for proof and nothing ... They keep sending me the same bill, but no proof. Please remove ALL collecting debt from my credit bureaus. This case should not be closed just because the collection companies respond. They need to send PROOF, not just a bill. 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 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It shows on my credit report that my student loans are delinquent and they are not. I would like to have that off of my 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 2020-08-21
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-06-22
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was trying to make a purchase on my credit card number ending XXXX and it was declined by the bank and I called them and they told me that they will send me a one time passcode to my phone number ( XXXX XXXX wasn't verified and told me I have to wait and didn't give me a time frame and I was unable to use my credit card and the fraud rep was laughing at me and didn't ask for any documents from me or anything I like my ID OR DRIVER LICENSE AND I CANT USE MY CREDIT CARD AND I REFUSED TO PAY THIS BILL AND I ASK FOR A SUPERVIOR AND SHE WOUDNT TRANSFER ME AND I have received calls from the fraud dept 7 times every time I make a online transactions and they are mines and now on XX/XX/2018 I still cant use my credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
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:
I did not consent to, authorize, nor benefit from any of the following Inquiries and Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened:XX/XX/XXXX Amount : {$18000.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$1400.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$6600.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} CHLD SUPP VA Date Opened : XX/XX/XXXX Amount : {$46000.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-06-22
Company: EQUIFAX, INC.
State: NM
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:
To Whom It May Concern : I am writing this letter to make a complaint and have investigation done against Equifax regarding my credit report. I have called and called and called and a representative gets on the phone from Equifax not able to speak good English and I have to keep repeating myself. Not only that I have been hung up on, but I also have left messages for supervisors to contact me back regarding my SCORE and no response. The worse customer service! I paid off a home loan last year, paid creditors that were listed on my report, and etc and my credit score has not changed a bit. I am discussed with Equifax.

I dont need a copy of my credit report. I need answers! My credit score is lower than my other scores. I know fully what is going on with my credit and know that my score should be much higher. I am writing letters to the XXXX XXXX XXXX, Mayor, and anyone else that needs to be notified about Equifax behaviors. Credit scores are important in everyones ' life and to have people like this at Equifax with disrespectful and inappropriate behaviors that is handling your credit report is scaring. If I dont receive a phone call back, I will file a law suit against Equifax, which I have already spoken to an attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions Inc.
State: LA
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:
Greeting, In XXXX of 2018, I received verified dispute results from XXXX, Experian, and XXXX. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.

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 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Greeting, In XXXX of 2018, I received verified dispute results from XXXX, XXXX, and Transunion. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: First Credit Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a gym membership ( XXXX XXXX ) and due to covid was unable to use the membership. Once the establishment was re opened I went in to cancel my membership in person. The receptionist said the person who could cancel my membership was not in therefore gave me a email address which was incorrect I reached out several times with out any assistance. First credit services reached out to me and I provided email documentation to them as proof that I asked for membership to end. They ( first credit services ) did not respond either. I received a letter and disputed the validity of the debt and still did not receive any proof that I indeed owed the debt or the questionable amount. I feel that both the original creditor and collection agency are taking advantage of people during a vulnerable time. I was current with my membership and paid for the last month in advance. I do not owe any money for a membership that I tried several time to cancel because I felt that my health was at risk. There has been no action taken to rectify the issue. As a result my credit has been damaged for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: LA
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:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files.

I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my 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 explanation
Consumer complaint received 2023-03-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have a HECM Reverse Mortgage. Company who serviced ( XXXX ) declared bankruptcy and was taken over by Carrington Mortgage. My house flooded XX/XX/XXXX and we were in a hotel for months and are now in a house. My insurance company has issued checks to pay for the repairs so we can move home. ( By the way, my husband is XXXX and in a XXXX ) The insurance company has given me until XX/XX/XXXX to vacate the temporary housing and move BUT SINCE CARRINGTON HAS REPEATEDLY, FOR MONTHS, TOLD ME THE CHECK IS IN THE MAIL, AND IT HAS NOT BEEN, I AM SCARED TO DEATH MY FAMILY WILL HAVE NO WHERE TO LIVE since I have not received XXXX XXXX of the XXXX they are sitting on. I have been told I would receive calls ( more than one ) back from management, but NO ONE has EVER called. Nothing but dead air and speaking with a call center employee reading from a script.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions Inc.
State: WI
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 contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!

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