BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is regarding Infiniti Financial Services. They placed an unauthorized inquiry on my XXXX credit report on XX/XX/XXXX and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. Experian, XXXX, nor XXXX has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 explanation
Consumer complaint received 2018-06-10
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello XXXX XXXX XXXX in my previous complaint I request documentation proving that this alleged debt is in fact mine. I requested what is known as debt validation and proof of contract meaning the contract between myself and your company, Also the wet signature signed by me proving that the debt was in fact incurred by myself. Also I see in an attempt to circumvent the FDCA and my personal right to see the debt validation including but not limited to what i have already requested Yo u have decided to sue me in court in hopes of me not showing up and you receiving a Default Judgment. Well I will be showing up to the cort date and I hope to receive the hard copies of debt validation that I am requesting today and have previously requested. I intend to request the judge hold you to the Fair debt collection act standards. I will be bringing both this copy to show the judge and my previous complaint. I look forward to being heard in court. Thank you for your time. Also if you can bring the copy of notice of my rights to dispute this information that you allegedly sent me thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my  Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.

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 2019-01-04
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX from XX/XX/XXXX on one patient and XX/XX/XXXX on the other patient. Two XXXX bills and one XXXX XXXX bill sent to collections without written notification or any notification for that matter. We have been making monthly payments on all three accounts and all of a sudden they were sent to collections without notice. The monthly payments varied when my husband lost his job but payments are still being made consistently. No notice was sent to put on a payment plan to pay the bills down to avoid collections. Phone calls have been made numerous times and messages left with XXXX XXXX XXXX XXXX with no return calls. No one ever answers the phone in their billing department. XXXX. A message was sent online recently and still awaiting a response on that as well. Two of the accounts are with XXXX XXXX XXXX and one is with XXXX XXXX XXXX XXXX. They are all out of XXXX XXXX XXXX XXXX. I did speak with XXXX XXXX XXXX this morning and they are looking into the account. XXXX XXXX XXXX XXXX is my biggest complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/2020 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Westlake Services, LLC
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: Personal information incorrect

Complaint:
There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX Repossessed no balance due! Account never fulfilled WestlakeFinancial- Never Opened ( fraud ) XXXX XXXX never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
See attatched USAA 1099-C ( Account ( 4 ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched XXXX   Credit Report " VERIFIED '' by USAA. USAA FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( 5 ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. USAA REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( 4 ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received money from a couple of friends and they closed my account. They emailed saying I can cash out the money to my bank but whenever I try, It just fails. Please help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used XXXX to purchase concert tickets through PNC and it turns out it was a fraud. I contacted PNC and they told me there is nothing they can do about it. The transfer was still pending and they couldn't stop it. I sent {$170.00} and PNC just told me " oh well ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I noticed that there are 8 outdated accounts listed on my credit report. I would like for these accounts to be removed by guidelines of the FCRA. The accounts that are listed are very outdated.

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 2020-08-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express wrongly charged a fee to my account. However, they reversed this fee when I complained to the cfpb. However, the company continues to charge me a {$39.00} a month late fee associated with the original fee. That money should have been refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-27
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the letter I have submitted today from a company called ARA. It says the original creditor is XXXX ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

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 2020-02-05
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Barclay card I submitted a complaint via the CFPB website on XXXX XXXX with your company and a lady by the name of XXXX responded back and she gave me information about tow companies who I could contact about two charged off barclaycard accounts I spoke with both companies and they state that they do not have these account in their Possession.your company should have enter the name of these companies when you closed this account I took the the FTC website and it clearly state that you must enter this information on the consumer report I have reports from all 3 credit reports from XX/XX/2019 that I will be more than glad to submit you. Showing that you never entering the req information by law. I asked you to please remove XXXX and XXXX as you have hurt my my ability to obtain employment or anything in my name to to your companys negligence please remove these accounts today

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 2020-08-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is regarding Wellsfargo Card Services. They placed an unauthorized inquiry on my XXXX and XXXX credit reports on XX/XX/2020, and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2022-01-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For approximately one week I've received daily calls from Wakefield and Associates, XXXX and XXXX. I've asked to be put on their do not call list and told them I don't have any debts that are in collection or behind in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax and XXXX credit reports on XX/XX/2020, and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello my name is XXXX XXXX, chime closed my account out but havent sent my funds its been 4 months and Ive been emailing them and they keep saying their going to send it out but its been 4 months and they keep saying they are waiting on the check department

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my XXXX and Experian credit reports on XX/XX/2020, and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2018-06-18
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
to whom it may concern : Under federal law any collection company must posses : ,a contractual agreement with original creditor that you have the right to collect this debt, must have original document with my signature on to validate this debt, proof of debt original contract, if you have to request this to the original creditor it means you don't have it therefor you are reporting this account illegally, violating federal law, I am a litigious consumer and I with enforce my right, I know that I can request monetary retribution damage for your illegal report. 
Please remove this report from my credit or I will pursue monetary retribution. 
Thank you for you quick responds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: United Check Recovery Bureau, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2020 through XX/XX/2020. 
United Check Recovery Bureau ; This company have been calling, leaving threatening messages, Using foul language as a intimidation to get me to agree to a debt that is not even mines. I never did any business with this company. I have No Contracts with this company. They call all throughout the day everyday, using different phone numbers most of the time to contact me. They call at least 4 to 5 times a day, starting early in the mornings. 

Again I have no Contracts or Loans with this company. Please stop the Harassing phone calls. I haven't received any notice by mail from this company, explaining to me what is this allege debt they say I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've written a letter to dispute this several times to Experian and Experian has yet to validate this debt from XXXX XXXX XXXX in the amount of {$260.00} from 5 years ago.

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 2020-11-12
Company: Experian Information Solutions Inc.
State: MS
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:
HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP.

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