BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-02
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( XXXX XXXX XXXX phone XXXX ) and ( AFNI phone XXXX ). Both debt collectors are based in MN. One company ( XXXX. XXXX XXXX ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( AFNI ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can one debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for AFNI, should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: AFNI INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This AFNI Inc Account does not belong to me. AFNI Inc informed me that this account was charged off my XXXX in XX/XX/2008. AFNI Inc has not provided any documents in regards to this Account.Please ask AFNI Inc to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a order with XXXX XXXX XXXX in XX/XX/2020 in the amount of {$420.00}. But on my credit card its statement its shows {$1000.00} I have spoken with them and they stated XXXX XXXX XXXX havent sent the proper information over to them. I have been charge the wrong amount since XX/XX/2020 2020

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 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A XXXX company falsely represented themselves as a XXXX-based clothing company via a website marketplace that completely imitated the clothing & branding of the XXXX-based clothing company ( likely copyright infringement ). No where on the website ( link : XXXX XXXX XXXX ) did/does it advertise that they were a subscription service. The terms of the 2 purchases that I made on XX/XX/2020 were for a 1-time payment for clothing. I made the purchases back-to-back {$290.00} & {$160.00}. I grew suspicious after I made the order after speaking with friends I know that the price I paid was too low for that brand of clothing. I asked that both of the orders be cancelled the very same day ( XX/XX/2020 ). Instead of cooperating with my request the customer service representative tried to talk me out of it, which is atypical of the cancellation process. I repeated requested that it be cancelled and eventually began only receiving away messages and never heard back. I have yet to receive anything from them. This puts me in a position where I can not even oblige with their return policy because I have no product to return. I never received ANY product OR service, therefore I am 100 % entitled to a refund. I ask for your help because my bank wont help me because the charges show up as an Authorized Credit Holds. I am still reaching out to the company with the hope they come around but they haven't done anything and I know believe them to be a malicious scam. I am still trying to get help from my bank but one claims representative told me my best bet is to work with the CFPB to get my money back and prevent this malicious vendor ( scammer ) from using their predatory practices on other consumers.

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 2022-12-14
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX I was preapproved for several credit cards threw Credit Karma and I was denied. This has created a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XX/XX/2020, I went to my dentist. One ( 1 ) of the dentist 's billing assistants discussed with me opening a credit account for the dentist to charge for work not covered by my union 's dental insurance benefits. On that day in XXXX, no dental work was performed that was not covered by my union 's dental insurance benefits. I did sign papers in the dentist 's office for future financing. I asked for copies of the forms that I had signed but was told that they were cleaning the office for COVID 19 and would give me a copy after they cleaned the office. I went to my car and called to the dentist 's office for my copies, and was told that they would mail me a copy of the forms that I had signed. I was concerned so the next day I called and I told the assistant that I did not want to go forward with the treatment. Since I never received copies of the finance application in the mail, I assumed that my wishes were followed and not financing was applied for. There was a subsequent appointment scheduled for XX/XX/2020. I cancelled the XX/XX/2020 appointment in XX/XX/2020. 
In XX/XX/2020, I received a statement from Comenity Capital Bank ( XXXX XXXX XXXX XXXX ). It appears as if the billing assistant went forward with the application even though I was clear that I did not want the dental treatment that we had discussed which would require financing. I did not authorize a transaction to be charged to this line of credit. On the XX/XX/2020 statement, that I received in the mail from Comenity Capital Bank, was a {$3200.00} charge on XX/XX/2020 by " XXXX XXXX XXXX  XXXX  XXXX  Purchas -XX/XX/XXXX-MA. '' I did not know why " XXXX XXXX XXXX XXXX  XXXX  Purchas -XXXX-MA '' charged my account {$3200.00}. I called Comenity Capital Bank to complain, and they referred me to XXXX XXXX XXXX  XXXX. When I spoke with XXXX XXXX XXXX XXXX, I was told to contact my dentist. In the meantime, Comenity Bank refuses to remove the disputed charge placed against my account by " XXXX XXXX XXXX XXXX XXXX  XXXX  -XX/XX/XXXX-MA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Early Warning Services, LLC
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Early Warning is reporting a fraudulent and unauthorized XXXX Checking Account on my Early Warning consumer report that do n't belong to me. I am a victim of identity theft and someone stole and used my personal information to impersonate me and opened a fraudulent and unauthorized checking account with XXXX. I have attached documents to this complaint I sent to Early Warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 59 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled a copy of my credit report and noticed the following information are in error. 
Credit Inquiries The FCRA states that the only permissible purpose for pulling someone 's credit report is Firm offer of credit XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and Fact Act Free Disclosure Please remove these inquiries from my credit report immediately. 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 2016-07-01
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from AFNI dated XXXX/XXXX/XXXX. The alleged amount owed was {$59.00}. This allegedly represented the final amount due on for cable services from a XXXX account I had in XX/XX/XXXX while living in with XXXX XXXX county XXXX service area. I called the AFNI to dispute the bill as I am certain the final bill was paid. 

I left XXXX on XXXX XXXX, XXXX so that I could move into temporary housing provided by my new employer in the XXXX XXXX area. As the temporary housing was paid by my employer, including all utilities for a six month period. I did not attempt to transfer XXXX services. I turned in the cable box and paid the final bill in XXXX XXXX and relied upon a hotspot I had with another ISP for internet service after I turned in the equipment to the XXXX XXXX XXXX in XXXX XXXX XXXX. 

After I left the temporary housing in XXXX, XXXX I moved to XXXX, XXXX and established service with XXXX once again XX/XX/XXXX. Although I have been with XXXX since that time, I have turned in equipment from one market, ( XXXX ) and reused new equipment in a new market ( XXXX ). I am well aware of the protocol. 

On XXXX XXXX, XXXX I received another bill from AFNI for {$500.00}. This is nothing less than extortion. It has been roughly 6 years since I turned in the XXXX equipment from XXXX county XXXX. I have been with XXXX since that time with the exception of the time I was in temporary housing. If I had not turned in the original equipment XXXX would have billed me for it by now. I do keep records for 3 years but it is long past that time. I was informed by the AFNI representative that absent documentation from 6 years ago they would pursue this issue. It is simply unreasonable to allow a subsidiary of XXXX ( AFNI ) to extort consumers who do n't maintain paper receipts of a transaction with their organization from years past. XXXX left hand is n't talking to it 's right hand. This bungling bureaucracy can not be allowed to extort consumers, let alone its own customers. I specifically dispute the original {$59.00} charge and the additional {$450.00} AFNI tacked on to extort me into paying the original {$59.00}. Perhaps this is one of the reasons XXXX is such a hated company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
CHASE AUTO HAS PUT XXXX INQUIRES ON MY CREDIT REPORT AND THEY ARE UNKNOWN I HAVE NEVER TRY TO GET ANYTHING FROM CHASE AUTO

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: North Shore Agency, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
As Personal Representative XXXX appointed XXXX XXXX 2015 XXXX for my father 's estate, I have been paying his bills ( since this date ). 

Bills from North Shore Agency XXXX NSA XXXX have been forwarded to my home address ( XXXX XXXX from my father 's address XXXX. 

I can understand the first couple bills I paid to NSA, which were XXXX dated less than one week after my father passed away as being legitimate, but not brand new bills eight ( and more ) weeks later. 

I received a bill dated XXXX XXXX XXXX for " XXXX XXXX XXXX '' for {$46.00} ; this bill stated " THIS IS NOT A " FINAL NOTICE. '' '' I received this on/about XXXX XXXX XXXX and promptly tried calling XXXX XXXX XXXX XXXX ) and left messages with NO call back. 

I then wrote and mailed a letter XXXX XXXX XXXX to NSA XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX ]. I stated that this was the FIRST bill in this amount, essentially TWO MONTHS after my father passed away, questioning the veracity of this bill, that I could neither " verify nor validate that my father ever even received this publication. '' I stated in this letter whose voice mail I left a message for XXXX XXXX XXXX, XXXX?? ), at ( ( XXXX XXXX XXXX ). 

Furthermore, I requested that my father 's account be closed. Permanently. 

Then, yesterday ( XXXX XXXX XXXX XXXX, I received yet another bill from NSA, also for " XXXX XXXX XXXX, '' but for a different amount altogether. This bill was dated XXXX XXXX XXXX in the amount of {$44.00}. This bill now said " DEMAND FOR PAYMENT. '' Yet, apparently a different product, given a different ( and smaller XXXX dollar amount. 

XXXX bills are attached to this complaint. I have never dealt with a company who bills months after the fact, and from a collection agency this seems very suspect to be receiving bills so long after my father passed away. And to not be able to 1 XXXX talk to someone from this North Shore Agency, nor 2 ) get the specific company this bill is originally from to stop these billings AND future mailings XXXX if this product is forwarded, nothing has been received by me ].

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Diversified Consultants, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has verified that the socials do not match and this account is not mine. It is my father who has the same name. They claim they are not reporting it to the bureaus but they are and it is affecting my financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-03-12
Company: PNC Bank N.A.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
NEW COMPLAINT LOAN INTEREST NOT PROPERLY CREDITED ACCOUNTING ERRORS ... Contrary to pnc assertions this matter is not resolved. the PNC customer history i recieved was a partial one.PNC issued checks to me UNTIL XX/XX/2109 overpaid rebates and had correspondence with me and claimed transactions were processed on my closed auto loan account after XX/XX/2019. The customer history includes none of this data, i believe because i paid off my loan in 9 months there were additional accounting interest errors on my auto loan account. I contend by overpaid rebate was valid and as well reference to those checks and transactions and actions after XX/XX/2019 are also curiously absent from my customer history. which is not a complete auditing of my account but instead a printout of limited transactions not including the accounting errors made by PNC Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: OH
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 received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete Telephone numbers that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation