BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft yet your company Harvard has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account Harvard collections in the amount of {$250.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/2018. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. One again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted dispute letters to Transunion, XXXX  and XXXX  In XX/XX/2021, XX/XX/2021 and in XX/XX/2021. I submitted along with my dispute letters a copy of my FTC identity theft report, a signed and norarized identity theft affidavidt, my state ID and a copy of my social security card. 

I received letters from all 3 bureaus stating that I needed to submit copies of identity theft reports and identity theft affidavidt, .I have already submitted those documents along with my dispute letters to them, and I believe they are refusing to correct the inaccuracies on my report on purpose. 

They did not investigate the inaccurate accounts, instead sent me a letter asking for the paperwork I already sent to them. This has been going on for more than 90 days. They did not investigate the inaxxuracies and did not honor the ID theft and FTC report i submitted to them.

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 2018-08-16
Company: Admin Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is XXXX XXXX. Because my name is so common, I receive frequent calls from collection agencies seeking other people with the last name XXXX. 

Today I received a call from a company claiming to be called Admin Recovery seeking a XXXX XXXX. They asked about a credit card that I never have had. I advised them that they had the wrong XXXX XXXX. I have received calls about this account before. The person on the line then asked if they could leave a message, I explained that I had no connection to the debt or the individual they were seeking. They provided a date of birth that was not mine. I stated that I wanted to be removed from their calling list, the individual stated that my phone number was listed as a secondary contact and that they would investigate it. This happened around XXXX CST. 

I wish to repeat -- I have a common name, I am not the individual they were seeking, I do not know who they were seeking and they refused to simply remove me from their contact listing.

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 2020-11-29
Company: Pickett Law, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, I received debt collection notice for {$3500.00} ( copy is attached ). It states that my account is delinquent for non-payment of the repair or replacement of Air Handler Unit on XX/XX/XXXX by XXXX XXXX XXXX XXXX. 
I sent letter disputing this debt for the following reason : I've never received the item or service from XXXX XXXX XXXX XXXX. 
I contacted the management office and they told me that it is for installation of AC unit on XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. 
I've never contacted to XXXX XXXX XXXX XXXX, XXXX and didn't make a maintenance request to XXXX. Copy of invoice is attached, there is no customer signature authorizing work. 
According to XXXX XXXX of XXXX XXXX, maintenance of AC unit is owner responsibility ( copy is attached ). 
I sent letter to the Board of Directors, no reply. 
Therefore, I believe that XXXX placed unauthorized charge on my account for unauthorized service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2022, I the consumer contacted ABILITY RECOVERY SERVICES LLC to send me proof that validates I have some contractual obligation to pay ABILITY RECOVERY SERVICES LLC. I received this response to my complaint made against ABILITY RECOVERY SERVICES LLC on Acct # XXXX : ABILITY RECOVERY SERVICES LLC is continuing to report on my credit profile alleging Acct # XXXX was verified pertaining to an alleged debt for {$2200.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing Acct # XXXX is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Failure on ABILITY RECOVERY SERVICES LLC behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We purchased a car through Nissan Motor Acceptance Corporation on XXXX/XXXX/XXXX and scheduled our first payment to be due on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, we enrolled in SignatureDIRECTPAY by printing the online form and submitting to XXXX via XXXX as instructed, for automatic monthly payment deductions. It states on the website " It is important that you continue to make payments on your account until you receive a notification letter with the start date of your payment deductions ''. XXXX processed the form on XXXX/XXXX/XXXX. We did not receive a confirmation letter via XXXX but it states on my XXXX account under the Payment Dashboard section " You have a SignatureDIRECTPAY of {$650.00} scheduled for XXXX/XXXX/XXXX ''. As of XXXX/XXXX/XXXX they had not deducted the payment from my account so contacted customer support and was told " XXXX is scheduled to start on XXXX/XXXX/XXXX, so you would need to make your XXXX payment manually '' and " XXXX is activated within 15 days of us receiving the automatic payment documents ''. The customer service rep said " Your state has a XXXX window of opportunity '' so an option for me was to wait and see if the payment posted. I have read many forums about how XXXX does this to their customers and how they will charge interest as well as report a late payment to credit companies, which will affect my XXXX XXXX. I setup XXXX to avoid the fee XXXX charges just to make a payment. I looked on my account to see what the fee would be and received a " Additional Payment Warning XXXX '' stating that I had a payment scheduled or in process and to refer to the Payment Dashboard. The customer service rep said his supervisor was not available today but would contact me in XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
EXPERIAN REPORTING THE ERROR XXXX XXXX XXXX XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX  lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards.

ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

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 2023-05-11
Company: Certegy Holdings, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Certegy Check Services XXXX XXXX declined to cash a company issued check # XXXX from XXXXXXXX XXXX XXXX XXXX on XXXX XX/XX/2023 at the Customer Service Center of XXXX XXXX. By blocking the transaction, Certify Check Services , XXXX implies that it will not honor company checks from a local company, XXXX XXXX XXXX XXXX XXXX. Furthermore, by declining the company check Certegy Check Services implied that the company issued check from XXXX XXXX XXXX, XXXX was fraudulent. This is completely implausible because XXXX XXXX XXXX, XXXX is a globally recognized company that issues checks to employees. Certegy never had any reason to delay or deny services.

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 2018-08-16
Company: Resurgent Capital Services L.P.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Due to some uncontrollable circumstances, I had some late payments with a company that is company represents. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for XXXX XXXX to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We are having a huge credit score problem.

Two months ago, I hired a new nanny for my children. We added a credit card for her under our American Express account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by American Express.

Two months later, my nanny 's credit score was completely ruined : It went from XXXX  to XXXX  in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name.

I called American Express to explain the issue. She is an extremely responsible person who had a XXXX  credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )?

American Express again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report.

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do.

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time.

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
The company is XXXX XXXX of XXXX, MS . When I explained that the car was one price on the internet, they explained that this tactic was to lure people into their business. They don't honor the internet price, so I decided to change vehicles. The second one I chose, there were credits that were part of the deal of the loan : {$1200.00} Rebate & {$2500.00} New customer cash. I saw these on the internet and also confirmed them with the office when I talked about financing. I only received one credit of {$1200.00} ( Rebate ) but then it was charged back to me in the transaction. I never received the {$2500.00}. The special ends on XX/XX/18, but I completed my transaction XX/XX/18. I tried to call today XX/XX/18 with no response from the office. I am driving over today as well. Whether I receive the second credit or not, this needs to be known. I have a feeling that my payment was increased because of these missing credits. The paperwork started my payment at XXXX down and 72 months at {$460.00}, but after adding the service plan, my payment increased to {$540.00}. After expressing I didn't want the payment to increase, the salesman explained that I would lose my credits, and my rate would change from 1.9 %, but I wasn't given the bulk of it. 

Interest rate : 1.9 % Finance Charge : {$2200.00} Amount Financed : {$37000.00} Total of Payments : {$39000.00} Total of Sale Price : {$40000.00} ( This included the Rebate of {$1200.00} ) Cash Price : {$32000.00} Rebate : XXXX Unpaid balance : {$30000.00} Charges pd to others : {$6200.00} Amount Financed : {$37000.00} Financed Charges : {$2200.00} Total Payments : {$39000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
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: Was not notified of investigation status or results

Complaint:
I had a Auto loan with XXXX XXXX XXXX ( Account # XXXX ) open in XX/XX/XXXX. My car was stolen and totaled. My insurance company paid the lien amount and all debt owed. However XXXX still closed the account as a charge off Account. After sending in disputes to Experian the account still shows on my credit report. I wasnt notified of the results within 30 days and the account wasnt removed. Experian couldnt verify any of the information do to the fact XXXX XXXX XXXX is out of business. I called XXXX to attempt to resolve the issue again and their phones are out of service. The two other reporting agencies removed this auto from my 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 non-monetary relief
Consumer complaint received 2017-09-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello Sir/Madam I would like bring up an incident that happened at Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX lockers were burglarised inside the bank strong room. When I entered along with banking personnel, the lockers were in wrong position and XXXX XXXX also acknowledged and opened and found XXXX lockers were open, My locker numer XXXX is emptied except documents. A XXXX complaint XXXX is registered. I have lost valuables worth several XXXX dollars specially valuable items from my marriage, kids ornaments and wife jewelry. XXXX is reported in local media as well https : XXXX Bank XXXX XXXX XXXX tried XXXX divert the case by giving false reasons such as construction. 

Bank locker agreement is responsible for XXXX XXXX In this case bank has been completely negligent and have false practices and bad banking people looting the customers. Also they specially targeted XXXX and a classic case of XXXX profiling. 

Bank now says we should contact local PD and bank is not going to discuss on this subject. 

We would need your help to get bank to the task and seek answers to how and when they can contact us to pay for it. 

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 2018-07-18
Company: Experian Information Solutions Inc.
State: CA
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 was victim of identity fraud in XX/XX/2016 and have been dealing with companies to remove in accurate information ever since. One company in particular Experian is horrible to deal with. Just to talk to someone you have to buy a credit monitoring service for XXXX ( privacy guard ) a month that will transfer a call through to an Experian rep. This is an awful business practice. I signed up for Experian service but they try and send promotions and they also have a fee for parts of their service which I think would be a huge conflict of interest, since they are promoting credits cards but are not making it easy to clean up errors on ones credit. 

I have attached a letter from XXXX XXXX that is supposed to delete a account off my credit but they have not done it. I am holding Experian and the Bank accountable and I am demanding they remove the information immediately.

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 2023-07-20
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  ( Original Creditor : XXXX XXXX ) : Account number # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : Account number XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Account Number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: Chime Financial Inc
State: NY
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:
I was charged three times by XXXX a website I have never once visited, as well as nearly {$50.00} at a XXXX restaurant that we dont have within even an hour of our home. 

My cards had been lost during a move at the time the transactions took place, and Chime bank is refusing to credit the fraudulent transactions. 

XXXX XXXX ( Sunday, XX/XX/2022 ) {$3.00} {$3.00} {$4.00} XXXX ( Wednesday, XX/XX/2022 ) {$47.00}

Company response to consumer: Closed with explanation