BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The dispute have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which ca n't be verified that I have disputed. Please resolve this manner as soon as possible. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: HSBC NORTH AMERICA HOLDINGS 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:
XX/XX/2020 I received a phone call from a company called pristine asset group stating I had an outstanding balance on a credit card and that my monthly income would be garnished if I didn't make arrangements for payment and that if I got back with them a settlement could be made to clear my credit debt also they were working with a attorney 's office and to keep from being sued and my checks garnished I made payment a {$1500.00} to settle a debt later to find out I had been scammed the address that my credit card company gave me was XXXX XXXX XXXX XXXX XXXX XXXX which doesn't exist the telephone number XXXX goes to voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We are under contract to purchase a Condo. On XXXX XXXX, XXXX we submitted a mortgage application to Citizens Bank N.A., XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX for {$190000.00}. We are putting down 20 %. To date we still have not closed. They have put all kinds of conditions on this mortgage. Our credit ratings are all in the XXXX 's and have over {$150000.00} savings in the bank. We own a rental condo in XXXX which is fully paid for and the same tenant has lived there over 10 years. Our debt is under {$15000.00} except for the home we current are living in which will be sold when we move. We have approx.. {$150000.00} equity in these XXXX current properties. We have an annual income of {$90000.00} per our XXXX federal income taxes. I work for the Town that we live in and have been there over 16 years. I have no current plans to retire anytime soon. I am in the XXXX pension and XXXX deferred Compensation programs and have been for the 16 years I have been employed by the XXXX. My husband is retired. This bank has dragged their feet and made many demands which we have meant every one. Now they have approved us for an {$80000.00}. mortgage with no explanation why. I have pressured them for an explanation and now they are saying it was because we had a loss on the XXXX condo. The loss on the condo last year was {$4300.00}. of which {$1500.00} was depreciation meaning they are denying us the full amount of the loan for a loss of {$2800.00}. This property has now been paid off per their demand so there will not be a loss on this property this year. I feel that we have been age discriminated against. They requested copies of our XXXX driver 's license so they know that I am XXXX and my husband is XXXX. We want to move into a condo because our current home is on over an acre of land and has a long driveway. I no longer want to spend my free time mowing which takes almost 3 hours a week and we have the driveway plowed but still have to shovel the sidewalk and the back deck so our small XXXX dogs can get off of the deck. If we do n't close on this property we will lose our {$10000.00} deposit and there are many other fees which we will be responsible for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23
Company: ERC
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Improper reporting to Credit Bureaus I found this company ERC on my credit report in XXXX of 2016 after having a lender pull my credit. I have never heard of them before and have never heard from them whatsoever. I never talked to these people or received any notice or letter from them. Was not aware of their existence until XXXX. The XXXX accounts that they reported to all XXXX credit bureaus were showing closed. I disputed them because I have never heard of this company before. After I disputed, ERC updated my credit report and started reporting them as OPEN, even though they were previously showing closed, they are old. I called the number several times to try to find out what this was about to no avail. I have yet to receive any call back or any information from anyone at ERC. Through some digging of my own, I found out that these XXXX accounts ( att and sprint ) are allegedly old debts that they bought from these companies. They must have bought them and then IMMEDIATELY started reporting them because again, they have never made any contact with me before reporting to all CRAs. The funny thing is that I have my current cell phone and tv service with XXXX, which I acquired after this supposed debt and an att representative just told me that not only can they not find any old debt that I owe, but that if I owed anything past due I would not have been able to get new services with them, without paying it or if at all. The alleged XXXX bill is an even bigger deal because it is much higher. It will always be crucial to me to verify or validate any debt that any company says I have due to the fact that I have had my SS # used by a family member in the past year ago and so I will always require validation just to make sure it actually does belong to me and to avoid becoming a victim at any point again. This was never done by ERC. As I stated, they simply bought these debts and starting reporting them, it seems. That collection tactic, I guess, is designed to shock/scare the consumer into to paying when they discover the surprise. The only thing they have done is to update my credit report and to change it from closed to open - now almost 4 years later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: Kashia Services
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$870.00} from XXXX XXXX on XX/XX/2017. I have since repaid {$1200.00}. I still have a balance remaining. I was aware that the loan would have such a high interest rate, but I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. 

None of the email addresses listed on the website are active or working as I have gotten all of my emails returned ( see info from their " Contact Us '' website link below. ). I have called three times and no one has answered ( see info from their " Contact Us '' website link below. ). 

P : XXXX E : XXXX E : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I requested validation of this debt XX/XX/XXXX and this collection agency sent a letter in response that they were deleting it from my credit report, however when I got the results from my dispute the account still remained on both XXXX and XXXX. I sent in a copy of the letter received stating the account would be removed to both of these bureaus and still they are saying that Enhanced Recovery is verfying the information to be correct. This makes zero since being that they have put in writing they were removing the account. As you can see the deletion letter is dated XX/XX/XXXX and the XXXX credit report is dated XX/XX/2016 and when XXXX verified this information they had a copy of the deletion letter on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called into Enhanced Recovery Cor to settle my {$370.00} XXXX account. I asked to speak to a manager because things usually go better that way. The representative asked me why, I explained, she replied with " so you think that 's going to help you not pay ''. 
She ended up transferring me when I threatened to hangup. The manager was rude, constantly interrupted me, raised his voice. When I offered to settle for {$100.00} which is all I can afford & a little over 25 % he laughed & said I needed to try & settle for at least half which is {$180.00}. I told him I could n't & he said that his company would check into that & call me every few days until I figured out how to pay it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26
Company: ERC
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Owed XXXX a bill for {$440.00} I Paid them late on XXXX/XXXX/2015 but then A Bill Collector contacted me ERC '' Enhanced Recovery Company LLC. Later contacted me about the bill they said they would settle it for {$260.00} I Explained I Had paid XXXX The full amount already and sent them a copy of the receipt and then they told me sense it was not a collection it would be removed from my credit after months of waiting it was still on my credit I Contacted them again and they then sent me a letter saying they received my payment of {$260.00} I Never sent them any money I Paid XXXX I Have tried everything with them and have got nowhere!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
THIS COMPANY IS FALSELY REPORTING TO CREDIT BUREAU THAT I HAVE LATE PAYMENTS. I HAVE NO CONTACT OR ARRANGEMENT WITH THIS COMPANY.. I DO N'T OWE THIS DEBT THIS DEBT IS A FRAUD HAVE ASKED FOR ORGINAL INVOICE THEY HAVE REFUSED OVER TRWO 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 2022-03-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/22 I called Experian because I am the victim of identity theft and had a few questions. In the Consumer Notes there was things written there that wasn't placed by me. It stated that I was active military. I am not. The security freeze removed, not by me. The disputes I called in and made about wrong names, socials. and address, they were corrected yesterday, and suddenly were put back. This man worked in the department that deals with Identity, a service I pay for. I have never been treated so rudely. He didn't answer my questions and hung up on me while I was in mid sentence. I called back. He answered. He said he didn't hang up on me our business was conclude, and I don't time I have 15 calls on the board. He refused to give me his name. I asked to speak to his supervisor, he says " no. '' Once again the call was disconnected. 

This is the kind of person I am suppose to trust? I am paying to be treaded like a number on a board. I don't like to incontinence anyone. But I am at a limit were I am just a bit lost. I spoke with the adjuster today. I was returning her call. She was willing to answer any questions I had about the claim, but was just cold. I have to figure out how to cancel this service and go to one that actually wants to help people. 

The number was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the call lasted one min. 

i printed out my call log to prove it. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed th is PROCOLLECT INC collect ion account on my credit and thought it was like a medical bill then discover someone used my info get an apartment. I had outlines your assistance advice and followed every step. However, this company has not responded to me. I track everything, and they disregard.     I never lived or had an apartment where the police are stating

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have asked Chase Bank on four separate occasions in the past year to disenroll me from " Chase Credit Journey '' and stop accessing my credit report. 
I am no longer a Chase customer as of XX/XX/2018, yet they keep accessing my credit report on a monthly basis in violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against? AD  ASTRA RECOVERY f or reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: P&B Capital Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls from XXXX from XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Experian Information Solutions 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:
Experian is reporting the outdated account  XXXX   XXXX , account number  XXXX . This account was opened in   X/2005 .This  account is almost 10 years of age which exceeds the time-frame to be considered as old or outdated. This account is not attached to any account and other credit bureaus deleted the outdated account however Experian has refused to acknowledge and honor that the account is outdated and has failed to remove the old  XXXX   XXXX  account. I am asking for you to please delete the account and if you verify, I am asking for verification as to how it was disputed and the name of the party who verified. I do not understand how verification is considered for an old account that is too old to be on the credit file but please provide the information so that  I may o btain legal assistance to have the old creditor removed and I can demonstrate that I have went through proper protocol for the deletion of the old debt.

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 2019-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America charged me an {$8.00} fee for approximately 10 months for being under a balance threshold. 

They sent me a communication which likely explained this, but the communication was too complicated for me to understand. A simple communication along the lines of " you will be charged {$8.00} per month '' would have sufficed. 

There is a free account that I could have used, so I have received no benefit from this approximately {$80.00} charge.

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 monetary relief
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: OH
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 have an unverified account from XXXX XXXX ACCT. NO. XXXX. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt.

7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AM FILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THE LETTER OF THE LAW '' XXXX, XXXX & TransUnion are failing to comply with FCRA laws & sections. I was the victim of Identity theft & have reported the information to all 3 credit reporting agencies ( CRA ). I've provided them with a police report, identity theft report and identifying documents to substantiate my position. They have failed to provide me with any verifying proof these accounts, which were opened fraudulently, belong to me or I have any legal obligation. The following accounts & addresses were opened without my knowledge, consent or authority & I need them blocked/removed from my credit. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX po box XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm including the police report, identity theft reports & my verifying documents to prove my position. Please see the listed accounts are removed/blocked from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has put me in collection for a debt that I do not owe. They have never sent any outstanding balance info and never contacted me once about any unpaid debts. I do not have an account with Enhanced Recovery Corp and do not owe them any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: NY
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 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 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have 2 accounts ( kohls & Capital One ) on my credit report I have tried getting them removed. Due to being fraudulent accounts. These fraudulent accounts do not belong to me, I have no knowledge of these accounts and I didn't receive anything dealing with neither of these accounts. I have file several FTC 's reports to get them removed and nothing. I have called customer service for experian and both of these accounts and nothing they can do to help me or get them removed. No one can give me an answer on how to get them out of my credit report. This is really have been fraustuating. I been trying to get them removed since XXXX, 2020. I ask for you support and help. I want these fraudulent accounts to be removed from my credit profile. I will file police report if I have too. 

Kohls {$640.00} Acc # XXXX Capital One {$830.00} Acc # XXXX

Company response to consumer: Closed with explanation