BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I filed a complaint on here a few weeks ago ARS NATIONAL SERVICES Inc and also had the CFPB send a copy to the original creditor XXXX XXXX XXXX XXXX. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome ARS NATIONAL SERVICES Inc which was attached states the XXXX is there CLIENT. Also ARS NATIONAL SERVICES Inc use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both ARS NATIONAL SERVICES Inc and XXXX XXXX XXXX XXXX  responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly ARS NATIONAL SERVICES Inc said for me to contact them to discuss more info but how if you dont own the debt as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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:
This medical is bill is not my bill. I believe someone is trying to use my information. I sent you my personal documents to prove its me and note that I am not a lender nor a credit repair schemed company. Please remove this data immediately as I have stellar credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Sentry Credit, 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:
Sometime on or around XX/XX/XXXX, sentry credit inc. placed a collection account on my credit report with the three agencies claiming I owed monies to XXXX. 
I have never owned a XXXX credit card and my last transaction with XXXX was for an order that was not delivered to me because I cancelled the order. 
So I disputed the record requesting for proof of delivery of said account and the order. 
The collection account was deleted by the credit bureaus. 
Two years later, on XX/XX/XXXX I received an alert that sentry credit placed a collection account on my 3 credit bureaus for the same amount as the XXXX but with different account number to make it appear as if it were a different account in order to circumvent fcra laws requiring evidence within 5 days if a prior deleted item is being placed on my credit report. 
Sentry Credit in clear violation of fcra laws and consumer laws, fraudulently placed an old deleted disputed account on my credit report and making it appear as new. 
I will like the licensing regulatory board ( s ) to investigate sentry credit records for all records dating back to my original XXXX complaint and the XXXX new account. 
I will also like to request that the board investigate sentry credit files and records for other fcra violations and malpractices which has been detrimental to not only me but other consumers that may not be aware of their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3000.00}, {$920.00}, {$3400.00}, {$5700.00}, {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-- CLOSED ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my 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 2021-02-26
Company: Chime Financial Inc
State: NM
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:
Chime states that they are still working on my claim but yet in the same paper they say that there decision is final. this company just lies and lies. i have more than proven that the transactions were not me well before you sent me anything as to why you made your decision You have based your dictions on things that are untrue and things that you say were one way and than when i prove you wrong you say oh no it was this way. ex. on the phone whit your rep i was told that these were in person transactions while i was sitting at work in a different city. yet when i got emails from the company 's XXXX stating that the store was not even open at the time the transaction took place, and had been closed for hours and sent in my work time card, but than you change your story to oh no it was on online transaction. you tell me that i was anticipating the money going into my account. well yes it happens every time i get paid. but it happened before i had been paid and i cant over draft my account more than 20 dollars so how does that work. for a 300+ transaction? 

I have every single time I called in to you written down as well as every email i was sent or i had sent. if you would like to go over them than please let me know that way you can see how contradiction you are

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
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: Their investigation did not fix an error on your report

Complaint:
I have 4 fraudulent inquiries on my Equifax credit report that were not authorized by me and Equifax will not take them off? I have been fighting with them since XX/XX/XXXX and nothing has been done about it? At the end of XX/XX/XXXX, I had someone try to steal my identity and try to get credit in my name but they were unsuccessful because of a lack of information about me. I called the creditors and they couldn't pull nothing up in my name so they all sent paperwork to Equifax telling them to take it off my credit report because they have no proof of me applying for any credit.They told Equifax that the inquiries were fraudulent and should be taken of my credit report.I called Equifax and they said they didn't receive anything from the creditors ... not even one of them? I have letters from 2 of the creditors that I faxed over to Equifax and they said they can not remove them even though they told me to send them for proof? I have disputed these inquiries 3 times online and have written to the dispute and fraud departments about the issue.I need those 4 inquiries deleted from my report because its hurting my credit score and they were not mine to begin with.The following inquiries need to be removed ... 
1 ) 1XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX Me and my husband bought a used XXXX XXXX  vin # ( XXXX ) from then called XXXX XXXX XXXX now XXXX XXXX XXXX ( XXXX ) XXXX for {$46000.00} which really was a ripoff, accepted the deal due to having bad credit. 8 months later a deer ran into the front bumper side with minor damage, less than {$2000.00}, but the repair shop had to remove the front bumper, they realized that the vehicle had already been in a major accident because of bad repairs was obvious ( welded areas was rusting and wirings was terrible ), my insurance stated that they would only repair my damaged, we tried resolving the problem with the dealership which kept stating they could get us into something else, plus the next day after we got the vehicle I tried calling to get out of the vehicle because I really realized {$940.00} a month was just too much, but we never got a call back. Well once we contacted them after the accident and let them know we realized it was in a accident and that the XXXX that we got from them stated no accident on the vehicle in the year XX/XX/XXXX or XX/XX/XXXX, so they said we could get another vehicle with {$10000.00} down, which was totally impossible for us. Therefore we was stuck with keeping the vehicle, so I`ve been working on this for about 8 months, I narrowed the search to what insurance company paid the claim of almost {$14000.00} ( XXXX XXXX and the owner and the repair shop, spoke with someone at the repair shop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the person I spoke with said they would see what they could do and get back in touch, never called me back, I called back he said he haven`t forgot me, right today, I haven`t heard anything back. In the mean time I was riding in a incomplete unsafe vehicle, therefore me and my husband made a decision to get out of the vehicle, voluntary repossession, now the financial wants the difference of the lost when they sold it, I feel really sad for them selling a unsafe vehicle that one day the whole from end may come off while someone is driving it, I tried explaining the  situation to them, but they`re only concerned about their money! I`ve tried contacting XXXX, but no response. Now the financial company wants us to pay them {$20000.00}. 
Please help us resolve this issue and hold the car dealership reliable! 

Sincerely,

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 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 belongs to someone else

Complaint:
XXXX and capital one data breach caused my credit to have th XXXX account ftc that was removed and put back on fcra violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX SINGLE FAMILY 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 2019-03-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a victim of identity fraud, I have reported this to all three reporting agencies time after time, but they still insist on putting these false reports on my record,

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 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had three business credit cards accounts and I was always in good standing never late. I paid them off in full then they closed all three of my cards for what reason I dont know why I feel its an act of discrimination

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 2020-11-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have reached out several times attempting to have my personal information updated on my credit report as well as report fraudulent information listed on my credit report. I keep getting letters stating that the information is valid and verified as accurate but no one can tell me how the information is being verified. 

I have never been affiliated with the addresses that I have listen on the template attached with this complaint as well as I have never been late with any payments. I asked to that the fraudulent information that states included in bankruptcy be verified with my signature and I havent received that information yet.

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 2020-05-20
Company: Alpha Recovery Corp
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was getting proofed number calls ( local TN numbers ) where i was being asked personal information and was not told where they were calling from and all they would provide is a first name so i would hang up because i thought it was fraudulent / fake. 
I received a letter in the mail from a debt collector to call them since i was under the impression all my debt was resolved. The person told me they were the ones that were spoof calling and not letting me know who they were. I said i didn't recall this debt and how i didn't recognize it and asked they send me paperwork validating the debt. Which they had not and i was unaware of what this was. He then decided to start getting aggressive and say how i was playing games to not pay and kept on being abusive and aggressive. I was so upset i asked to speak to the supervisor and actually was so upset i used improper language. They can not use deceptive practices to talk to you, not validate the debt and they SHOULD NOT harass or insult people. I asked they stop calling me and stop all harassment and deceitful practices. If they think insulting people will male them pay they are wrong. Don't we have rights to know what the debt is they are trying to collect? Shouldn't they have to validate the debt instead of harass us and make us admit to a debt we know nothing about? They kept trying to force me to admit to a debt i had no idea existed. 
We need fair and respectful treatment from these debt collectors. Consumers need better options than what is out there. they fail to abide by the rules and they continue to call and harass and use abusive practices. 
XX/XX/2020 I called them around XXXX XXXX ET. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the debt collector and they sent over a leter saying they verified it. They did not send anything else to say what they did to vefify it. ALl 3 credit bureaus did not provide any proof either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: General Motors Financial Company, 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 was shocked when I reviewed my credit report and found late payment on the dates below : Late 30 Days on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
The account below is not mines. It was also opened and closed the same month. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$1500.00} The 43 inquiries is not mines I did not athorize. 

Inquiry details XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXXnquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX  Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automotive XXXX  XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Bank

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 2020-11-03
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A Girl On XXXX (XXXX XXXX) XXXX1 Claiming To Be A Branch Manager At A XXXX XXXX XXXX XXXX ... As You Will See If You Use The Link To See On Her Page It She Does This All The Time... I Was Told That She Can Help Make Me Money Of I Banked With XXXX Or Cash App To Check My Inbox For More Details I Was Told That If You Send A XXXX Dollar Fee To Start The Process I Ask Multiple Time Was She Legit Because I Heard About Scammers Targeting Banks But She Reassured Me That She Was Legit And Sent "Proof" Pf Other Transaction .. Etc And After I Sent The XXXX Dollars I Was Blocked On The Website So I Reported To The Banking System Multiple Times And Was Told It Was Nothing They Could Do And I Would Have To Ask The Person For A Refund Because The Transaction Was Already Confirmed So I Sent A Refund Request And My Account Was Then Blocked From Doing Money Transactions With The Person

Company response to consumer: Closed with explanation