vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have already sent in proof of full payment of 3 watches bought from XXXX ( VIA Affirm ) to include the safe return of 3 watches that where not the ones I wanted to buy. XXXX has a vast history of sending womans ( smaller less expensive, but closely similar ) watches in the place of buying mens full size watches. Their attempts to send the lower priced merchandise to buyers is rampant and well documented with the XXXX. I intended to buy 6 watches but only purchased 3 due to this shady business practice and therefor my account has been paid in full. Watch brands of XXXX and XXXX where the watches they attempted to switch and bait me with smaller and lessor valued watches in attempt to sell the ones advertised at full price to another consumer to widen profits. ( serial numbers did not match from online advertisement as to what was mailed to me ). 

Affirm has since, reported a collection account and numerous missed payments on my credit report I have spoken with 6 Affirm Managers who all say something and respond differently and sent proof of purchase and payment numerous times to both XXXX and Affirm ( latest email of proof was XX/XX/XXXX ). The " 3rd party '' collection Agency " True Accord '' did receive the collection action and returned it the same day, denying me to make any payment back to Affirm because it was not a valid collection. Affirm has since denied receiving any cancelation and has denied me access resolve this matter. 

I have even went out of my way to offer to pay this erroneous amount of {$3300.00} just to get it off of my credit report and Affirm has denied any attempt to allow me to make any payment. 

I have spoken with 11 Associates, and 6 managers To include a three way discussion with ( Affirm ) and True Accord on ( XXXX ) which an attorney from True Accord stated they sent the account back to Affirm on XXXX and they have nothing to do with this issue. This almost a year ago!!!! 

This circus has gone on long enough with zero attempts by Affirm to resolve this matter in a reasonable time frame. ( 10 months ) This is a violation of my rights according to the FCRA and I would like this complaint to be resolved as soon as possible and my credit report updated as well.. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
On XX/XX/XXXX I checked my credit and saw accounts from consumer adjustment from XXXX XXXX for {$1400.00}. 

I contacted XXXX XXXX XXXX XXXX and they said they do not have any record for {$1400.00}. They stated they have Financial assistance forms for me on file and there would have never been a bill generated for my service in XX/XX/2016. They told me the fee might be associated with the doctor, XXXX XXXX. 

I contacted the numbers associated with XXXX XXXX private practice and was told the doctor retired, the office is closed and the debt is invalid. They told me to contact the collections agency and tell them Im not responsible.

I contacted consumer adjustment and told them the account doesnt exist. And even if it did, its a HIPPA act, which guarantees my medical records including costs associated with services are protected by my right to privacy. 

I also let them know I never received any correspondence about this debt and it should need deleted. They rep stated the documents were sent to an address Ive never lived at. I told her I was homeless living in my car and had no address, so not sure where they mailed it but I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reached out to XXXX XXXX XXXX about amending the credit reporting to our Transunion accounts. They informed us to call Transunion. When we called we were told that the account was deleted, and only the mortgage company could reinstate the account. We have been corresponding with the mortgage company since XX/XX/2021, and now its XXXX. Nothing has been fixed we received several letters from XXXX stating that they are reporting as recently as XX/XX/2021. But I would really like to know how they are reporting to a deleted 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 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
account number XXXX open XX/XX/2016 {$2100.00} this account is a fraud account open by someone who stolen my identity, fraud

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed fraudulent inquiries on my credit report that I did not authorize. I attached my State ID and my Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I applied for credit with XXXX on XX/XX/2021, through their financial institution, Synchrony Bank. Well, I have a fraud alert on all three bureaus and this was completely ignored by this creditor. The inquiry went right though without any hesitation. Nor did I receive a call to verify that the person applying for credit was indeed me. As a potential victim of identity theft I find this quite disturbing. Upon trying the reach out to them the only number I was a customer service number and nobody could point me in the right direction.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have disputed information on my file with Early Warning Services, I asked them to validate debt they claim that I owe and they have failed to do so legally. According to 15 U.S.C 1692g Early Warning Services does not have the power to validate debt and has since failed to supply me with the 5 things that constitute validation of debt. The proof they sent is not validation but an allegation that I as the consumer do not agree to. There is no way they can say I owe a debt or furnish information about me that states that I owe a debt because they do not possess the power according to law to do so. They have committed fraud because they have obtained my information from companies that I did not give consent to, to share my personal information. They have since committed 5 violations of United States federal law and owes me {$1000.00} per each violation, totaling {$5000.00}. I have been disputing with them since XX/XX/2021 and they have failed to send me a valid letter of validation according to the statutes of the law, in the form of a contract written by to them stating : 1. Full disclosure 2. Equal Consideration 3. Lawful terms and conditions 4. Signature of both parties According to 15 U.S.C 1602 ( I ), they have become fraudulent when they furnished a deceptive form ( 15 U.S.C 1692 ) to create the false belief in the natural person ( me ) that I owe an alleged debt when it was in fact a consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Over the past several months I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX through Experian. Experian keeps stating that the debt has been validated but has not provided me with any information that I have asked for such as a contract bearing my signature. The same information was requested from XXXX and XXXX and the validation could not be verified and the Account was removed from my credit profile with both Bureaus. The dates for the requested information are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX CARD SER-Balance $ XXXX-Date Opened : XX/XX/2016 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2021 I signed up for bank account promotion with BB & T. The code provided was XXXX. The amount promised in the terms was XXXX $ after completing 2 direct deposits of XXXX $ +. I completed the second direct deposit of XXXX $ on on XXXX XXXX. This was within the time limit in the terms. I had reached out to the company via email on XX/XX/2021 and they began to work on my case but they told me to wait even longer. I reached out again on XX/XX/2021 to see if they had resolved my promotional bonus but they still could not find it. Then again on the first week of XXXX i had to escalate the issues and call directly. I was told that i was eligible and that they were having issues internally with issuing funds so i would get compensation at the end of the month. So i waited until today to call again and now they are saying that i am not eligible due to opening the account with a different promo code.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing this inaccurate account on my credit report with the credit bureaus for IXXXX XXXX for some time now. I was told by the credit bureaus to reach out to this creditor about this account which I did. I have sent an initial dispute letter to this company which was delivered on XX/XX/XXXX and here is the tracking to prove it was received XXXX. I asked XXXX XXXX to validate this account and to provide sufficient proof and documents that show this account belongs to me. I have also submitted a complaint against this company on XX/XX/2021 which they have yet to respond to and its been over a month and they have still yet to respond to my complaint and dispute. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have also asked the credit bureaus how have they verified this account when XXXX XXXX has yet to respond to my dispute and prove me with sufficient documents that show who this account belongs to. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
I have been disputing this account for some time now with AFNI. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. They have responded to my dispute and have verified this as an open account but they have failed to provide sufficient documents that show if I am the true owner of this account and debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I was under the impression that if they did not have valid proof that this account belongs to me that it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I was contacted by XXXX XXXX XXXX, they told me that I owed a credit card debt that if not paid in full would go on my credit report. They threatened to take me to court for the balance owed and also sue me for lawyer and court fees. They told me I owed {$7400.00}. When I told them I could not give them the money because I was preparing to buy a home, they threatened my credit and told me I would not be able to buy my home with this debt hanging over my head. I was frightened into giving them {$7000.00}, which was almost everything I had saved. After I had authorized the payment she ( identified herself as XXXX XXXX ) told me that the debt they were collecting was from XXXX years ago. Immediately after making the payment I did some research and realized my mistake. Within XXXX minutes of authorizing the payment, I got on the phone with my bank, fraud prevention services and card member services to stop the payment. I pleaded with them not to release the funds. They put the payment on hold until XXXX, after which they released the money to XXXX. That very same day I went to my bank ( XXXX XXXX  XXXX XXXX ) and filed a dispute. After a week, I called card member services to check on the status of my dispute and they informed me that they had contacted VISA about the charge and they said they had to release the funds because I had originally approved the transaction. On XXXX, I contacted XXXX XXXX firm XXXX in an attempt to sue the company for my money back, after some research into the company they informed me that this company was not licensed to collect debt in the state of California and that because they have never been sued before, there was nothing they could do to assist me.

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 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
My information was stolen and used for a utility bill Ive been XXXX  too many times to even have any debt owed. XXXX XXXX is the dates they have down Ive been in North Carolina for 3 yrs. The amount is 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 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
We are in the midst of a pandemic. And, American Express just notified me that my interest rate will be changing to 18.99 % from 13.24 % even though my payment habits have not changed, I make payments in excess of the minimum due, I have never been late and my financial situation has not changed. This increase is not a nominal amount. It represents an increase of over 43 %. During the midst of a pandemic and given interest rates are hovering at ZERO for American Express, I am quite appalled that an interest rate would be increased by over 43 % when nothing about their customer has changed. I contacted American Express who told me my account is being realigned to what others in my credit score range are paying. This is an extremely narrow range of criteria considering I have been an account holder since 1996. 
I won't be using the card any longer. I am reporting this complaint and will also be voicing my dissatisfaction through social media. The actions taken by American Express against customers in good standing during the midst of a pandemic is nothing short of disgusting greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc.
State: TX

Complaint narrative:
account number XXXX open XX/XX/2016 {$10000.00} this account is a fraud account open by someone who stolen my identity, fraud

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 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
Ive been trying to dispute this company for a while, Ive never ever in my life live at these apartment, I am willing to do whatever I can to proceed with an investigation, I used to live in XXXX back around XXXX I was searching for apartments and the front desk specialist that assisted said they have available units which I was excited, and filled out a application providing these people my social security number and ID was a big mistake, they never wanted me to see the apartment, and I was never giving a key but I did give them a holding payment of like 3-400 dollars I never got that back, because again I never move in and was never given a key, so while I was waiting for the process I just so happened to get off work one day to check out the apartment that the specialist said was available, come to find out the apartment had mold, infested with roach XXXX and the entire apartment smelled like roach spray and paint. So now I see why they never allowed me to look at the unit, they wanted to lock me into a deal without seeing it, I called them the following morning and said I wasnt happy with the what I seen, so it made the renter specialist upset and threatened me by saying if I dont move in hes going to sue me and take me to court. That was way back in XXXX how can I be charged for something thats pure fraudulent as this situation. Thats not right. I need help please I beg you to look into this matter I will do whatever it takes to show that I never live there, nor moved in or even had a key. 
Source : XXXX  Date Submitted : XXXX  XXXX, XXXX Report Number : XXXX Account Number : XXXX Company : 
FIDELITY CREDITOR XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX : XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
Credit report showing Ehanced Recovery Company reporting as of XX/XX/2021 {$440.00} XXXX XXXX debt ; however, debt was sold and paid with another company, XXXX XXXX XXXX. We have contacted Enhanced Recovery Company and they ignore deletion requests. They admit they no longer own the debt and that debt was recalled by XXXX ; however, they ignore requests to delete this from my credit report

Company response to consumer: Closed with explanation