BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I called EOS CCA collection agency to work something out with my collection wich I did not know about till I checked XXXX XXXX I tried to negotiate but the only way I could was if I postdated my payments which I thought was illegal. they did offered me a discount to settle the account but the only way was to pay in full or to postdate my payments I also asked if they could either mail me or email me the offers they were giving me before I made a payment but again the only way to get it was if I postdate then payments they were asking for. 

the offers were one payment for {$1400.00} or postdate 3 payment {$400.00} before XX/XX/2019 and {$650.00} a month later and final {$650.00} the following month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX I had sent a letter to XXXX XXXX in regards to an account that was on my consumer file under my name. In this letter I was requesting that XXXX XXXX provide me with the alleged physical verification of the original signed contract between myself and their company. I received a response stating that my letter was unclear, and they did not know what I was asking for ( copies of all correspondences will be included in this complaint ). I then sent XXXX XXXX a letter on XXXX reiterating that I was requesting proof of an alleged account being reported to the Credit Bureaus in my name. XXXX XXXX had then responded to that letter stating that they have no way of validating the account as the application process was done online or over the phone. I have never applied for or obtained anything from this company, not in person, over the phone, online, not by fax, postal mail, NOTHING. 

On XXXX, XXXX AND on XXXX, I wrote to XXXX, XXXX  and Equifax as they have continued to verify this account as accurate. My question would be, how is are these bureaus verifying an account in my name, when the company has already sent me a letter stating that they are unable to verify this account. 

XXXX, XXXX, and Equifax continue to keep this inaccurate negative information on my credit report after being informed multiple times, WITH PROOF that this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National credit system did not verify the debt according to the FCRA. There was no proof that this debt belongs to me and it should be deleted and removed. If not I will pursue legal action. You will also be fined {$1000.00} if you dont remove this inaccurate information. I did not authorize this at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}. 
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/XXXX and 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.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

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

3.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -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 2018-02-27
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving conti8nuous phone calls from a company trying to coolloect a debt from XXXX which I do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to taike legal action, sue me, or have me arrested. They have also reported it to my credit under ABR Recovery Services as a collection account being opened in XXXX, resultng i8n a drop in my crdit score and other creditors reducng my credit lines. I have disputed ths on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Global Trust Management LLC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received an email from XXXX  stating my account had been sold off to Global Trust Management. They are located in XXXX, FL. 

They called me in XX/XX/XXXX at my work location. I did not record the date as I didn't realize they were going to call me back. They left a voice mail on my phone and another employees phone stating they were " XXXX XXXX and they have something for me and to call them at XXXX ''. The number they called from was XXXX. 
I didn't return the phone call. The next day XXXX XXXX called again and I answered and advised I could NOT receive personal phone calls at work! I hung up. 

XX/XX/XXXX bw XXXX-XXXX - received yet another phone call from them at work. Advised I have already told someone I can't receive personal phone calls at work. and disconnected the call XX/XX/XXXX -  XXXX. Received a call that went to VM. The vm was from a " XXXX XXXX '' looking for my location and left the return number of XXXX. The number on the caller id was XXXX. They are obviously spoofing local XXXX numbers to call me from and leaving a call back number to the XXXX. 

XX/XX/XXXX - around XXXX Received a call from " XXXX '' from same location looking for me. Advised this person I cant take personal calls at work and I have advised them of this repeatedly. She stated she would code my account correctly and harassed me for a phone number. I told her I didn't have one as I can't afford it right now. I told her to mail me something if they need to contact me. She stated they mailed a letter in XX/XX/XXXX, which I did NOT receive. I have yet to receive any mail from this company. She confirmed she does have my correct address. She stated that legal action is about to happen and they can save me money and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'd like for my extended fraud alert to be removed. I've tried to call multiple times and seem to only get an automated system.

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 2020-05-21
Company: First Credit Services Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debtwas opened on XX/XX/XXXX of 2015, in the amount of {$200.00}, for an account with XXXX XXXX. I never received any information of this debt in the last 5 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XX/XX/2020. i made an attempt to transfer {$400.00} to a company in XXXX from a branch of Citizens bank at XXXX XXXX XXXX XXXX, XXXX, PA. 
I was told the bank 's charge is {$40.00} and since the money was going through another intermediary bank ( XXXX XXXX ), i made the transfer {$410.00} in order to account for the charges by the intermediary bank so that the final recipient will receive {$400.00} because that is the minimum transfer i can make in order to qualify for the deal i was looking for. 
One later, i got informed that the recipient got {$380.00} instead of the {$400.00} and because of which i lost the deal i was to make. 
When i complained to citizens bank, they told XXXX XXXX XXXX got an amount from the transaction and that made me to lose my deal. 
I have no other option than to recall my money which will cost {$50.00} and citizens bank ready to charge another {$12.00} for me to receive the money. 
I want a refund for the {$40.00} citizens bank charge me as well as {$12.00} they will charge for the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
XXXX  Account XXXXXXXX XXXX  Account XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Account XXXX Account XXXX n accordance with the Fair Credit Reporting act XXXXt Account # 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 a account without my written instructions

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 2019-06-10
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act and HIPPA Law : 1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state. 
5. Copy of HIPPA form to collect 3rd party

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 2020-05-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding XXXX XXXX  XXXX XXXX, SC XXXX XXXX Problem with LVNV Funding for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened. 

1 ) LVNV funding # XXXX {$550.00} I have not done any business with these companies. 

Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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:
XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/EQUIFAX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT XXXX XXXX XXXX   HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been affected by the XXXX XXXX. I was sick in XXXX and XXXX. I left messages on their customer service number, but no return calls. I received a notice dated XX/XX/XXXX, that I wa in default and to call them. I called and left several messages for the contact XXXX XXXX, not return calls. I received a Notice of Intent to Foreclose dated XX/XX/XXXX, again I called. I went online and tried to send an notice, but the account kept giving me a message that I had to call customer service. 

I finally reached a person on XX/XX/XXXX at XXXX XXXX, after she provided me with the collection information required by law, I said I wanted to make a partial payment of {$3000.00} and another partial payment of {$2500.00}, by XX/XX/XXXX and then bring the loan current by XX/XX/2020. She argued that I owed more than what I was trying to bring in. She proceeded to tell me that I was sent a notice that my payment went up to $ XXXX a month effective XX/XX/2020, per my escrow analysis statement provided online on my account. I explained that I have no access to anything online and that I never received the notice. She argued and said nope you signed onto online service and that is all we have to give you. I asked to speak with a manager a male came on the line let me speak, then he said no your are in foreclosure and we are not going to accept any partial payment. I decided not to speak with them any further. 

I have been affected by this virus, I am back at work not making any commission, just the base of {$2500.00}, yet this servicer is not trying to help me or work with me. I can't get through to my assigned relationship manager and they won't work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This claim was filed twice with Chase Sapphire Preferred involving my hotel booking, which was affected by the XXXXoronaVirus ( COVID-19 ). I have tried to cancel and re-dispute this claim, but the Chase Claim investigator initially denied my request because she didnt understand the severity of the CoronaVirus ( COVID-19 ) at the time when I opened my first claim on XX/XX/XXXX. 

My hotel booking in XXXX took place on XX/XX/XXXX. Everyone is aware about the Travel Ban and every country was under quarantine. CoronaVirus has been ongoing since XXXX of 2019, and consequently to its extremity, a travel ban was issued by President Trump on XX/XX/XXXX as well as across XXXX. within my booking date on XX/XX/XXXX. 

Chase Claim 's Dept gave me the excuse that the hotel has its own cancellation policy, but no hotel has a policy about a pandemic disease like CoronaVirus. 

Being unaware doesnt change the fact that I was affected, and I am still eligible for a refund for my booking when its within Travel Ban period. 

As a result, the XXXX XXXX couldnt have provided the service anyways since the Global Travel Ban prohibited us exiting the U.S. and entering XXXX. 

I have tried emailing and calling numerously to the hotel to get a confirmation email for the full refund trip. The hotel staff emailed me and said that the cancellation has taken process, but yet no full refund has been honored. 

My next step will be filing a small claim suit against Chase since I did opt out from their arbitration clause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Original debt is with XXXX from 2013. I do not deny that, in the amount of {$1.00}, XXXX. 7 years ago! Debt collectors buying bad debt has the debt looking like its a new debt. And The amount has gone from the original {$1200.00} to {$2.00}, XXXX. How can this happen? I have disputed this many times only to get a letter stating the debt is VERIFIED. Verified by who? The debt collect? This amount is not correct and neither is the date of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 applied for an XXXX credit card a few weeks ago and I was not approved instantly but I didn't think anything of it, now today XX/XX/20 I got a letter in the mail saying that the reason that they could not approve me for their credit card is because there are negative accounts or loans on my credit. I didnt know what accounts they were talking about because none of my loans/credit cards have ever been late or in negative standing. I looked through my credit report and I saw more than ten accounts on my report that are not mine. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I don't know who opened these accounts in my name without my permission but I have already filed a police report. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I ever make any payments towards those accounts. I don't have a contract or relationship with any of the companies I listed.

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 2018-02-05
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke to a representative from the original account holder concerning my account and explained to them that I was going through a XXXX   XXXX situation and needed some time to pay off this debt. I was told that they would extend the time needed to pay off the account and would not report my account to the credit bureaus. A few weeks later I received a call from a Southwest Credit Systems Rep who informed me that they were a collections agency and given my info by the original account holder. I then went on to explain to them the situation I was facing. I was told that as long as I make a payment arrangement that my account would not escalate to being reported negatively the the credit bureaus but a few weeks later I was surprised to see that they actually did report the remaining balance of what was left to pay to the the credit bureaus.I am extremely upset because I was assured that once I make the arrangements my account would still be in good standing as to not be reported negatively. I'm in the midst of buying a home and this negative reporting of an account is not helping my case at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: ERC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1300.00} High Balance {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 an amount of XXXX was added to my credit report. This debt was sold to another company and they did not have a proper contract to charge me this debt at all. NO CONTRACT!!!

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY TRANSUNION DATED XX/XX/2016

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 2021-03-26
Company: EQUIFAX, INC.
State: UT
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:
For months I have been disputing items and the credit bureaus are lying about items on my report without proof.

Company response to consumer: Closed with explanation