BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX  XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC LA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name

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 2022-02-08
Company: EQUIFAX, INC.
State: NC
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:
I feel I'm a victim of 15U.S.Code 1681a ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: GA
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:
After receiving notification from my credit montoring service that as XX/XX/18 a collection account was place on my credit report in the amount of {$4000.00} with Douglas Chancellor and Meyer Associates ; opened XX/XX/2018 ; which is false. I contacted XXXX by phone and filed a dispute. I also called XXXX XXXX XXXX corporate office to investigate the collection. I spoke to XXXX  would stated that there wasn't anything on file or in their system with my name on it, and to call back on the following day and speak to a supervisor that maybe able to assist me. I did so and was told to contact the collection agency listed on my credit report. In XX/XX/XXXX I filed a XXXX XXXX  which I had a loan with one of XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; which was included in my XXXX XXXX. I have not tried to make contact with this company in years. In checking my credit report I also noticed that an inquiry was made on XX/XX/17 which again I did not intitate and I never received any other loan from them. Douglas Chancellor and Meyers Associates has never sent me any correspondence or oral communication concerning this matter. Since placing this collection on my credit report not only have I been denied loans, credit, and a mortgage, but has caused my credit score to drop. It has yet to be removed from my credit report at this time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from " XXXX and XXXX '' this morning. Her name was XXXX XXXX, phone number XXXX XXXX XXXX XXXX. They say when I closed my Wells Fargo account in XX/XX/2010, they later realized I was overdrafted {$87.00}. She said the account was sold to XXXX. They say they have sent me paper documents to an address I haven't lived at for 6 years. Now, they are asking for {$390.00}. They called me at a number that I have had for 10 years, so I asked why I just now got a call. They say they tried mail first ( XXXX ). I asked when the original overdraft occurred and she said they have no record of that ( even though supposedly the accont was sold to them ). She gave me XXXX hours to contact her and set up payment or they would send it to court. Also, she mentioned Wells Fargo would sue for XXXX the amount ( even though supposedly the account was sold to XXXX ). I said I'd call her back. I called Consumer Financial Protection Bureu and they say i should get her license number, address, and ask for a letter to be sent to my current address. I called XXXX back at her direct line ( XXXX ) and she said she and no one else in the office had a licence number because they were " mediations ''. She also gave me a XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX TX. She then said " is that all '' and then hung up on me. This is very suspicious, and I fear I'm at risk for fraud. Please help, thank you.

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 2019-05-08
Company: Accounts Receivable Consultants Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a call from Accounts Recievable Consultants, representative XXXX XXXX ; was extremely rude, as I was being professional and cordial trying to make arrangments for payments. She began laughing and literally screaming at me. She did not provide any resources or options as to how I should go about paying or setteling my debt. Extremely unprofessional behavior, I have rights as a citizen not to be harassed, annoyed, alarmed, abused, tormented, or embarrassed as the claimant. She was very alarming, abusive, and embarassed me very much as I tried to negotiate a settlement to my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, As recently as this past fall, my credit score was around XXXX. Then, beginning last month, Synchrony Bank began to lower my credit limits on some credit cards and even closed one account I had with XXXX XXXX. I have absolutely no idea what caused this action! I have never been late on any of my accounts, and my overall credit usage was between 25 % -30 %. Within the last 3-4 weeks my credit limit has been lowered on several of my accounts. My XXXX XXXX account credit account limit was lowered from {$4500.00} to {$250.00}!!! I opened that account, but have never even used that card. 
With these credit limits being lowered, the adverse affect is that the credit bureaus now see my credit usage go up from around 30 % all the way up into the 90 percentile! This is just wrong and extremely unfair! One letter I saw said that I had too many new accounts, but that's total XXXX  because I had many new accounts opened when Synchrony opened these accounts in question. In fact, THEY opened some of these accounts themselves! I tried to reach out to them, but getting in touch with the right person or right department is too difficult ; most likely by design! I am retired and living on a fixed income. I don't have to tell you how important it is to maintain good credit. But when an unfair practice such as this is allowed to happen, people like myself have absolutely no recourse to counter with! I can get angry and voluntarily close these accounts, but again, this will have an adverse affect on my credit reports and credit scores. I'm left to deal with whatever is handed to me with no way to fight back and get this undone! Do you understand how embarrassing it is to have a credit card declined when you're at the cash register because the reduction in credit limit was put into effect before I even received notice about it?? 
What's really crazy about this situation is that first, I'm told that I don't have enough credit accounts open to allow lenders/creditors to gauge what kind of risk I am. So, fine ; I open a few more accounts to help resolve that issue, and now I'm being penalized for that!!! I need your help!! All people like me need your help! Thank you very much!!!!

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 2017-07-14
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX was taking money from my account on Paydays and they even overdrew my account to the point where my XXXX XXXX  account was closed due to the excessive fees I was being charged. Today I owe XXXX XXXX over {$600.00} because of XXXX. And yet and still they have a collection account on my credit report for {$1300.00}. I never received this amount from the company. I have paid back the original amount I received but due to the excessive interest and other fees they claim I still owe them money. I do not believe this to be true. I have disputed it with the XXXX credit bureaus and it was deleted from XXXX but updated on XXXX and XXXX. This is preventing me from qualifying for a mortgage loan.The collection agency acting on behalf of XXXX is Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had 2 accounts with US bank. Towards the beginning of the month I thought my accounts had been compromised so I called to have them closed. I was told a hold could be placed. The hold was placed on the accounts for a day or so. I was still uneasy, so I called back to have both accounts closed. I was told they were both closed and I would be sent a check for whatever wa left in the account. A few days later I called back because I was thinking about applying for the simple loan which requires the account be opened for a certain amount of time. I wanted to inquire about the 1 of the accounts being reopened to do this. However, when I  called, I was told both accounts were still open. I then complained and spoke with someone else. I then learned only one of the accounts had been closed an it wasnt even the original one that I knew had been compromised ; also instead of closing the accounts the holds had simply been taken off unauthorized by me. They then closed the other bank account and reopened the old one, but unbeknownst to me the hold was not placed back on the account. Something then came into the account and I was charged a fee. I called the bank XXXX number to see what could be done as I was going to see about the simple loan with the hold placed and then close th old account and simply get new accounts all together. I was told I that customer service could not take care of such a thing and that only he home branch could do it. I was also told that I would recieve a callback from CS once the Branch opened and that they would reach out to my home branch on my behalf. The issue is 3 things, first, the hold should have never been taken off to begin with and a fee would not have been charged if that had been properly done, 2- it is ridiculous to have a customer service agency that refers you to the home branch which is completely useless, and 3, I dont like having a bank that can not act quickly in such situations, especially when in thought the accounts were closed and instead holds were taken off which ultimately compromised me. So, Im short, this was a bank error. I would like the fees reversed and my accounts permanently closed, US bank is not the bank for me. Also, they keep terrible notes. As I told CS who never reached back out to me, I placed  the hold and never authorized it or be taken off unless the account was properly closed, which it was not. I also asked for confirmation of the holds like at regular banks and they said no email or anything could be sent to confirm it.

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 2021-05-20
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland Credit Management at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ca XXXX Has been sending me collection notices in the amount of XXXX.The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company.This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
received repeat calls from a rude / hostile guy regarding XXXX XXXX XXXX. He continued to call after being asked not to contact me because I do not have a contract with Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: NC
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:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: ERC
State: MA
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:
On XX/XX/XXXX I went to review my credit report as I periodically do through XXXX and XXXX XXXX. I noticed that I had a new collection account for {$90.00} that I wasn't aware of which had negatively affected my credit. It looked like it was from XXXX, but I have been and am current on all of my XXXX payments. I contacted XXXX, and after doing some research, they discovered that it was a past due payment from XXXX although on my report it stated that it was opened XX/XX/XXXX. I asked XXXX why they had never mentioned a past due amount since I have current accounts with them, but the representative wasn't sure. She was able to tell me that the collection was through a company called Enhanced Recovery Company or Enhanced Resource Centers ( ERC ), and she gave me their number. I contacted them and made the payment through an automated service. Upon further investigation, I realized I had never received any notification of this debt. When I went through the automated service they had the wrong address on file. I never received a phone call or letter regarding this matter or I would have addressed it. In addition, the information on my report was wrong because it stated that it had been opened on XX/XX/XXXX, and listed it as one month old instead of 12 years. I called ERC back to explain this, and they disputed what I was trying to explain to them. I filed a dispute with XXXX and XXXX ( it didn't appear on XXXX ), and the dispute has been granted and the collection item has been removed. 

My complaint is the unfair and inaccurate tactics used by ERC, and I am hoping that they do not continue this practice of reporting old debts as new debts on credit reports, especially without any notification to the alleged person that owes the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Premier Student Loan Center
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Since XX/XX/2017, this company has called my cell phone several times a day seeking to refinance my student loan. I use this phone for business. it interrupts me during meetings and while driving. 

On every call, I ask to be placed on the do not call list. The call frequency had INCREASED. 

Premier Student Loan of XXXX CA is a predatory scam. They misrepresent themselves. They have been reported to the BBB and the CA Atty General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2017-07-14
Company: LEXISNEXIS
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:
LexisNexis is reporting false, incorrect and inaccurate information to all three ( 3 ) credit bureaus. They have a total of 3 bankruptcies on my file. I 've never filed bankruptcy. Let alone 3 of them! They claim they received the information from the courts. The courts do n't verify or release any information. ( Privacy laws ) LexisNexis never verified any information they are reporting on me. They are making profit off of false information and it has had a huge impact on my life. It 's against the law per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation