BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to resolve this issue with affirm for so long. I noticed the delinquent account when I was viewing my credit and saw that it was from a company that I did not recognize. I then reached out to them and was told that the back office ( people I was not allowed to directly speak with ) would resolve the issue. I continuously called and was told the same thing. I requested information from them and all they told me was the name of the store where the purchases were made. Also on the original account was an address I have never been associated with either.The purchases came from a store that I have never even shopped at. I tried to resolve the issue with them numerous times and they have never resolved the issue. Then I get served by XXXX XXXX to appear in court. They had given it to a debt collections after I had already explained everything to them. I reached out to XXXX and explained my situation so they sent me to this website. This account/purchases/loan or whatever it is is not mine. I have had my purse stolen in the past which had my CA ID, passport, wallet, and cellphone in it. I'm not sure if this is how someone opened an account or credit card/loan in my name but I would like to get this resolved as soon as I can. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Affirm Holdings, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had an account with XXXX, it was being paid through Affirm. The merchant XXXX canceled the plan because they couldnt help me. Affirm is still calling and harassing me about monies not owed and has threatened me on several occasions that they would damage my credit and that I would no longer be able to use Affirm. I paid last month out of fear of having my credit damaged. I submitted everything they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: MARINER FINANCE, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXXXXXX XXXX  who referred me back to XXXX and XXXX to resolve. When I called XXXX and XXXX they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. Mariner finance was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted mariner finance who confirmed it was never in a bankruptcy and I was referred back to XXXX and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or XXXX. I even asked Marinier Finance written proof that it was paid and it was denied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/29, XXXX from Portfolio Recovery called a Healthcare organization. I have asked debt collection services not to call this organization. Called three days in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute and request the correction of inaccurate information on my credit report, which I initially brought to the attention of Experian on XX/XX/XXXX. Despite the passage of time, Experian has not provided any response regarding this matter. I believe that this unresolved issue is in violation of the Fair Credit Reporting Act ( FCRA ), and I kindly request your intervention in ensuring its resolution. 
The following details the inaccurate information and the necessary corrections : XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$14000.00} ) : Experian is reporting this account incorrectly. I strongly disagree with the reported balance of {$14000.00}, as I distinctly recall the balance being lower. Furthermore, I request the removal of any information regarding the XXXX XXXX amount, as this account is closed and charged-off. Given that my credit score is significantly impacted by changes to my accounts, I also request that Experian marks this account as disputed to prevent any further negative influence on my credit score. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$1400.00} ) : The information presented on this account requires thorough investigation. I acknowledge the original creditor as XXXX XXXX XXXX XXXX, but I have not received any communication from XXXX XXXX regarding this debt. Furthermore, the reported balance of {$1400.00} appears inflated and inaccurate. I do not recognize this amount and firmly believe that I owe a lesser sum. Due to these discrepancies, I dispute the entirety of this account and insist that Experian verify the following dates : Date Opened and Date of First Delinquency.

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 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit 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 stopped doing business with XXXX in XXXX. The company refused to cancel my subscription. I contacted Capital one Walmart mastercard. The company said that they would put a block on the merchant so that they can not submit charges again. Since that call, I also request new card with new number to the issue. After that call on about XX/XX/XXXX, I have report by email from Capital one that there were daily charges attempt by XXXX, but were declined because there is insufficient credit card. 
I have a payment coming up, and there will be enough credit for this charge to go through. 
I call capitalone on XX/XX/, and spoke to XXXX, who told me that the merchant was not blocked because they ( Capital One ) is investigating. 
They said that if they allowed the charge to go through, they can launch a dispute with the merchant afterwards. 
This is almost ridiculous. I believe if I am responsible to pay the card, then if I direct them not to pay any merchant out of my account, they should implement that, and if the merchant does not like this, it should be between the merchant and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-30
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XX/XX/2023 MY TAX REFUND WAS DEPOSITED INTO MY CHIME ACCOUNT FOR THE AMOUNT {$25000.00} IMMEDIATELY THEY LOCKED MY ACCOUNT AND FROZE MY FUNDS I CALLED AND EMAILED THEM AND THEY REQUESTED THAT I SEND DOCUMENTS TO THEM VERIFYING MY TAX REFUND. I SENT THEM EVERYTHING THEY REQUESTED, INCLUDING MY ID, MY TAX TRANSCRIPTS, PROOF OF MY MAILING ADDRESS, AND THE RECEIPT FROM TAX PREPARATION. I SENT SEVERAL EMAILS AFTER THIS TO VERIFY THAT THEY RECEIVED EVERYTHING AND THEY HAVE NOT RESPONDED. THEY REFUSE TO UNLOCK MY ACCOUNT, OR SEND MY FUNDS TO ME IN THE FORM OF A CHECK, THEY ALSO REFUSE TO SEND MY MONEY BACK TO THE BANK THAT DEPOSITED MY FUNDS IN THE FIRST PLACE. I CONTACTED THE XXXX  TO FILE A COMPLAINT AGAINST THIS COMPANY AND THEY DENIED RECEIVING THE PAPERWORK I SENT THRU THEIR SECURE WEBSITE AND REFUSED TO REFUND MY FUNDS OR PROVIDE ANY TYPE OF SOLUTION. THEY ARE SIMPLY KEEPING MY MONEY IN THEIR ACCOUNT WHICH IS STEALING. IT IS MY UNDERSTANDING THAT XXXX XXXX  XXXX OR XXXX XXXX, XXXX IS IN CHARGE OF REGULATING CHIME. PLEASE SEND ME MY MONEY IN THE FORM OF A CHECK OR RETURN MY FUNDS TO THE BANK THAT DEPOSITED MY FUNDS INTO THE CHIME ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
" NewRez '' took over my loan from " XXXX XXXX '' effective XX/XX/XXXX with 2 weeks notice. I had already scheduled my XX/XX/XXXX payment. XXXX XXXX transferred my account minus the XXXX payment that doesn't clear my little local bank until the XXXX. They showed that I was a month late. Subsequently, with other correspondence the verified that they received and credited this payment to my XXXX payment due. 

Currently, they are trying to show TWO DIFFERENT DUE DATES : their " CONTRACTURAL '' DUE DATE AND THE STATEMENT DUE DATE. This is not right. 
I am current on all payments even though I went through a XXXX XXXX Bankruptcy. It was discharged in XXXX, 2023 as stated by the letter of XX/XX/XXXX from NewRez. At that time the Trustee stated emphatically that all due amounts ( including those certified as paid by " XXXX XXXX '' ) were current. 

It is my belief that with NewRez trying to show that new ( unwilling ) customers are paying a month behind that in the end of the term homeowners will end up making an extra payment on their loans. 

You can not be current and then suddenly a month behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been trying to get my report fixed for months with all 3 agencies XXXX, XXXX, Equifax. I have several credit cards missing from my reports. I have written letters and called, and I keep getting the run around to contact the credit card company. I know the are reporting because its shows on other reports. 

Transunion- is missing XXXX XXXX. XXXX  XXXX and XXXX XXXX. The XXXX XXXX was showing but they recently removed it and my score dropped XXXX points. 

XXXX is missing my student loans, XXXX XXXX, XXXX XXXX. 

XXXX is mussing XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX, and XXXX  XXXX. They recently removed XXXX XXXX and it dropped my score XXXX points. All of these accounts are open with XXXX balances. I only have a balance with XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Big problem... 

Employment with chase ... XXXX  XXXX ... or earlier, wrong ful termination ..... 

Personal info and credit problem output, out there... not good... defamated discriminated retaliated persecuted ilegally restricted Had by XXXX, about XXXX XXXX credit line... stolen and they closed down my credit card even though I was making payments Advised about investment account under someone else 's identity... not surprised Asked for investigations ... no solution ... blacklisted, retaliation... many witnesses..threats from some...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: MO
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:
Student Loans - XXXX  Dates : XXXX  - XXXX XXXX ( 7 occurrences for Balance update ), XX/XX/XXXX ( 7 occurrences for Balance update ) Amount : Action taken : Contacted XXXX  for resolution Fie a dispute with credit bureaus ( XXXX, XXXX and Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I received an offer online for a settlement to close my AMEX account. The balance was approximately XXXX and agreed to pay XXXX for settlement. I had the payment scheduled and it was deducted from my account. I even sent an email prior to the payment scheduled day to confirm it was for settlement of my account after the payment was deducted they did not close the account or take it as a settlement. They used it as a regular payment and also took a {$300.00} balance that I had an associated send account and applied it to my balance after review down and payment was taken for {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: IL
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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: SC
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:
whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, {$1100.00} Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX, and Equifax show XX/XX/XXXX High Credit : XXXX is reporting {$1100.00} and XXXX show XXXX, and Equifax show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To Whom It May Concern, This is a report about multiple violations of law by consumer reporting agencies such as XXXX, TransUnion and XXXX such as 1. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) : reported information can not be only transactions and experiences between the consumer and the company.

2. 15 U.S Code 1681a ( 2 ) ( A ) ( iii ) : the consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act.

3. 15 U.S Code 1681a ( 2 ) ( B ) : if a transaction was authorized by a social security card, the real credit card first defined understand the Truth In Landing Act, this transaction must be excluded from a consumer credit report.

4. 15 U.S Code 1681b ( a ) ( 2 ) : consumer reporting agencies need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

5. 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : Unauthorized inquiries. 

The above violations were made in relation to the following accounts and must be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Less than three months ago, I opened Bank of America 's XXXX XXXX credit card which promised XXXX points if I spend {$4000.00} or more in 3 months of card opening. I was instantly approved for the card online and already spend more than {$4000.00} in less than 3 months. I received XXXX points but when I went to their system/webpage to redeem my points, it didn't allow me to redeem my points. Few days later, when I got hold of one of the customer representatives I was told that Bank of America has closed my card and upon talking to them they told me that they can not allow me to redeem my approximately XXXX points ( XXXX points from bonus and rest from spending more than {$4000.00} on the card ). 
I tried talking to other representatives but I was denied my hard earned points even though I followed their terms and conditions. One week later, I was sent a letter stating that because of irregular authorized user activity my card has been closed. I only had my wife on this card as Authorized user and I already removed her more than a month ago. The representative told me that the irregular account activity is not linked to my card ( where I received XXXX points ) but Bank of America still decided to close my card and denied me the opportunity to redeem my points. These points are worth {$670.00} so a big sum of money for me and it does makes a big difference to me losing this amount of money. 
Bank of America still doesn't let me redeem my points and I will appreciate if you can take action so atleast I can redeem my points. 

Thank you and looking forward for a solution.

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 2023-08-29
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute XXXX XXXX XXXXXXXX XXXX accounts set forth on the XXXX attached Debt Validation letters received in the mail XX/XX/2023. I need copies of the last 12 months of monthly statements for each of the XXXX accounts with the complete Credit Card Agreement with any XXXX provisions for each of the XXXX accounts with account numbers printed on each page of the credit card agreements so I can read the exact terms of any purported agreement. Kindly consider each of the XXXX accounts as disputed in their entirety.

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