BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10  days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where  there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/2022 I applied online for XXXX XXXX and XXXX  account after reading eligibility requirements which I qualify because I live and work in Washington only to be denied by Chex System Inc for the reasons I will state # XXXX Time since last XXXX inquiry # XXXX Asset ownership history # XXXX closure history # XXXX XXXX closure payment history I also can't cash payroll checks at any grocery store plus it is also the same service for apartment screening this has been a over XXXX years of being discrimination denial and I would like to be compensated and cleared of these false allegations that have been a XXXX year shaming of my character and identity just because my last name is XXXX I really don't know what pricetag to put on a XXXX decade length of false reporting of my identity and character Chex System Inc XXXX XXXX relations phone # XXXX XXXX XXXX and Fax # XXXX XXXX XXXX correcting and clearing the false allegations would be life changing rather then making me feel that the XXXX at the end of my name has kept it this way for over XXXX years

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 2021-08-25
Company: NATIONWIDE ACCEPTANCE LLC
State: IL
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:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Nationwide CAC LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

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 2022-05-19
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS COMPANY IS ASSISTING IN FRAUD. sent company documents attached as a response The Company did send me a itemized letter that was not a VALID PROOF OF DEBT OF VALIDATION and VERIFICATION... .I was SENT A BILL WHICH IS NOT LAWFUL TO THE FCRA. THE COMPANY COMPLETELY LIED WITH FASLE STATEMENT OF MY ADDRESS NOT BEING DELIEVERABLE BECAUSE I HAVE A LETTER FROM COMPANY on XX/XX/2022 of a BILL NOT Wet ink Signature Proofing debt and I recieved a BILL that violates my HIPPA RIGHTS. I WANT REMOVED IMMEDIATELY OR LEGAL ACTIONS WILL BE TAKEN. CURRENTLY BECAUSE YOUR COMPANY CONTINUE TO REPORT FALSE DEBT WITHOUT PROOFING AUTHORIZATION OF DEBT ALONG WITH VIOLATING OF MY HIPPA PRIVACY RIGHTS, YOUR COMPANY IS CURRENTLY ASSISTING AND ABIDDING IN FRAUDULENT ACTIVITES AGAINST MY CHARACTER/ AND MY CREDIT REPORT AFTER PROOFING AND SENDING DOCS ATTACHED STATED VICTIM OF IDENTITY FRAUD WITH POLICE REPORT STILL COMPANY TRIES TO PROVE LAWFUL TO OBTAIN FALSE FRAUDULENT DEBT EVEN WHEN VIOLATING MY HIPPA RIGHTS AND NO PROOF OF WET SIGNATURE JUST BILL THAT ANYONE CAN DO FRAUD IN MY NAME TO GET.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted TransUnion LLC on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. Each time I have contacted TransUnion I have asked them how are they able to verify this account. Each time they respond they do not tell me how they have verified the account. I have also sent TransUnion a copy of a letter from the court which states that they do not share any information with credit reporting agencies. I have also received a letter from XXXX stating that they can not verify the Bankruptcy account # XXXX and that it has been removed from my credit report. If XXXX and XXXX  can not verify this Bankruptcy how is TransUnion able to verify the Bankruptcy and where are they getting the information. I demand that this Bankruptcy account # XXXX be deleted from my TransUnion credit 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 2018-03-31
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I placed a loan with this company for {$300.00}. I agreed to repay at a rate of {$130.00} per month for ( 3 ) months. One ( 1 ) payment was taken out of my checking account at XXXX XXXX XXXX. Then I notified this company and informed them of the problem, ( I had to close the account due to other identity theft problems with the credit union ). I agreed to pay the balance of {$280.00}, but they kept insisting that I owed them {$610.00}. Now they're trying to sue me wafor {$920.00}. They are loan sharks and I do believe that I am not the only person that has been decieved in this manner. I believe that this company should not be able to get away with highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian I've tried to set up a online account but the online account will go nowhere to unfreeze my credit report I tried to call can not seem to find anyone to help me in regards to the website even though they gave me the number I've tried to call eight other numbers and all falls under two parts one to buy their services to for freezing or unfreezing your account but that will take a long time to establish because of mailing all your personal information through the mail copy of your Social Security card bank statements copy of your face personal information PIN numbers it is unbelievable amount of information that if it gets misdelivered someone has my life now I think this is absolutely ridiculous the other two credit bureaus don't hassle you this much to unfreeze your 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 explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX US SM BUS ADMIN XXXX XX/XX/2021

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 2020-07-10
Company: Experian Information Solutions Inc.
State: SC
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 had my credit ran today XX/XX/2020 because I want to refinance my home but I was told I would be unable to do so because of two accounts reflecting badly on my credit history. The accounts are from XXXX XXXX for an amount of {$4900.00} and Child Support Enforcement. I have no idea what these accounts are for or who they belong to. I did not open them nor have I ever opened any other account with those companies. I did not authorize these accounts to be opened in my name nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I did not take part in any purchases or payments that might have been made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2021-10-17
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are inquiries on my XXXX credit report which do not belong to me and I did not provide authorization to pull my credit report. 

XX/XX/2021 with SYNCB/ Sams Club is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. **There was a line of credit opened which I had immediately closed. 

XX/XX/2021 A XXXX XXXX inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if

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 2022-07-10
Company: MoneyLion Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Moneylion had taken out loans in my name..because I donated {$50.00} to XXXX XXXX XXXXXXXX  to help musicians out because of the pandemic..they tried taking {$1500.00} out on my bank card..then they got loans to get the {$1500.00} then damaged my credit..I don't live in XXXX XXXX transition dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. File # XXXX Money lion Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have a bunch of different amounts in my name..I have had my credit ruined..my car insurance went up..I had a card that was canceled on me because of them and I can even get another car because of this...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: Niagara Restitution Service Inc
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XXXX/XXXX/XXXX, I had an amount of {$170.00} taken out of my account by XXXX XXXX XXXX. I called them to have the charge reversed, but they threatened legal action over an overdue payment of {$250.00}. They threatened to have papers served and to have me charged with fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: BARCLAYS BANK DELAWARE
State: MD
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:
On XX/XX/2023, there were four fraudulent charges made on my Barclay 's card to XXXX. I disputed the charges. I received notification that fraud was confirmed. My card was then charged for one of the charges in the amount of {$290.00}, on XX/XX/2023. I called Barclays and they indicated that XXXX provided information that the charge was made by me. I asked to provide information that the charge was not made by me. They would not accept such documentation and told me I must resolve the issue with XXXX. XXXX will not refund the amount, which I informed Barclays. Barclays will not remove the charge, nor will they allow me to show that the charge was fraudulent.

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 2021-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/XXXX, I PAID A TIME BARRED DEBT TO XXXX XXXX. 
THE DATE OF FIRST DELINQUENCY WAS XX/XX/XXXX AND SHOULD HAVE CORRECTLY CHARGED OFF IN XXXX. 
THE COMPANY WHEN CONTACTED WANTED {$360.00} FOR THE {$170.00} DEBT CHARGED OFF IN XXXX. I PAID THEM {$260.00}, WHICH INCLUDES AN XXXX DOLLAR CHARGE ( " XXXX XXXX XXXX '' ) FOR PAYING THE {$170.00} DOLLARS I OWED FOR THEIR JUNK MERCHANDISE ( JEWELRY THAT HAS NO APPRAISAL VALUE FOR INSURANCE BECAUSE IT IS JUNK QUALITY, ) .THE XXXX FDCPA MAKES " XXXX XXXX '' FEES ILLEGAL. 
THE ENTIRE BUSINESS IS A CREDIT SCAM DESIGNED TO ENTICE YOUNG UNKNOWLEDGEABLE INTO FINANCING JUNK JEWELRY FOR THEIR SIGNIFICANT OTHERS..SINCE CREDIT-WORTHINESS HAS LITTLE TO DO WITH THE SALE THESE SOPHISTICATED CREDIT CRIMINALS ARE FOCUSED ON THE CREDIT FRAUD PART OF THEIR BUSINESS.THEY KNOW THE LAWS THEY VIOLATE YET THE ENTIRE BUSINESS IS BASED ON GREED FRAUD AND DECEPTION.

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 2022-07-10
Company: Amsher Collection Services, Inc.
State: CA
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 filed a dispute regarding incorrect items reported on my credit report. It has taken over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation