BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX an im submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Name of Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, KS XXXX XXXX : NET PAY ADVANCE Amount : {$1200.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: IQOR US INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received multiple phone calls over a 2 year period of time from callers who claim they work for Allied Interstate.I assume this is a debt collection agency, but do not know this for fact. The names of callers are XXXX XXXX and XXXX. The phone number on caller id from these callers is XXXX.They ask for a person by the name of XXXX XXXX . ( I do not know if the spelling is correct here. ) This person DOES NOT live at my house and I DO NOT know her or anyone who has a name remotely close to this. I continually tell the callers to stop calling MY phone number for this person as she does not live here, nor do I know her. They continually tell me my phone number has been removed from their information, however, a month or 2 later, they call AGAIN! Please consider this as a formal complaint against Allied Interstate for harassment as they are calling my phone number for a person who is not associated with this number, nor does she live here, and I do NOT KNOW her. I know the debt Allied Interstate is trying to collect is NOT MINE because my name is NOT XXXX! I PAY my own bills regularly and on time. I do not wish to be harassed by debt collectors looking for someone I do not know. They said the phone call is recorded, so maybe you can get their records and verify that I have asked them multiple times to stop calling my phone number. The most recent phone call was XXXX/XXXX/15 at XXXX Central time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX from XXXX debt collection agency called me XXXX month ago about a debt owe to XXXX XXXX. She told me they got the letter back which they send to my old address and asked for new address. She said they are going mail me the documents, but I never got the letter from them. Now they do n't want to send me any letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In XXXX of 2015 my apartment flooded with raw sewage, management called a plumber whom cleaned the " main line ''. The main line is between mine & my neighbors front doors with no other access to either apt., when the plumber finished there was raw sewage all over the walkway. Management refused to clean/sanitize the walkway, also management did nothing more than shampoo the carpet in the apartment that was affected by the flood. During the time between this event and my moving because of the sewage not being cleaned/sanitized I had to go XXXX because of severe XXXX, the XXXX me as having XXXX. Since moving, the apartments, XXXX XXXX, located in XXXX Tx have contacted a collection agency named Pro Collect that has reported this to the credit reporting agencies in the amount of $ XXXX. I have approximately XXXX pictures that I took on a daily basis to document my claim, these pictures are automatically stamped with date and location. I also have the hospital records showing the date and the XXXX. Any help with this matter will be appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: GLA Collection Company, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
the collection agency is GLA collections, i was contact by GLA collection agency about a medical debt what i owed the XXXX hospital, when i called the hospital i was told that i do n't owed them anything.i do remember that i went to a hospital and the bill was paid by a XXXX because i was unemployed and i was gave a form to file out for the debt to be taking care off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: TCF NATIONAL BANK
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TCF bank charged me overdraft fees for over {$500.00} for a nsf of less than {$20.00}. They had never formally notified the customers of this change of fee, either by posting, letters in the mail or advertising. I was not aware of this ridiculous amount until I reviewed my account for the balance. I had written letters to them but never got a response. I had to pay off the fees and close the account to avoid being flagged for future banking business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: ProCollect, Inc.
State: WA
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:
This debt was paid off in XXXX. ProCollect ( the company ) accepted payment for all debts in their offices in XXXX, XXXX. XXXX XXXX received notice from the company on XXXX/XXXX/XXXX that all debts had a XXXX balance and as part of the agreement, the debt would be removed from his credit report ( proof of this email exchange has been sent to the company 22 times, final receipt was by certified mail on XXXX/XXXX/XXXX. ) After collection attempts continued, the CFPB was notified and a case was opened ( XXXX ). The result of the case was XXXX XXXX would no longer be receiving phone calls from the company and the item ( s ) would be removed from his credit report. The items were removed from the report, then subsequently added back to XXXX XXXX ' credit report. ProCollect has violated the Fair Debt Collection Practices Act and with malice has caused due harm to 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 2021-02-16
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX ( Auto Financing Companies ), Inquiry date : XX/XX/2019 - This inquiry does not belong to me

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 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
on XX/XX/XXXX I submitted a complaint/dispute ( Case # XXXX ) regarding a hard hit inquiry on my Transunion report from XXXX XXXX on XX/XX/XXXX. Transunion never responded to my dispute and therefor is in extreme violation of the Fair Reporting Act time requirements. Therefor Transunion needs to remove this disputed hard hit inquiry from my credit report immediately.

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 2016-08-15
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contact GLA collection company about a medical bill that was on my credit report. The bill and amount stated {$38.00} and I was prepared to pay this amount, as I was in the process of getting a mortgage. When I was about to pay, the representative insisted that my amount was {$61.00} with the interest. I informed them that I did not owe that amount and that I would pay the {$38.00} but that it MUST be removed from my credit reports due to the mortgage review. I told them I did not count that in my budget and I could n't pay it yet but could pay the {$38.00}. They said if I only paid the {$38.00} that it would remain on my credit report ( alternatively ruining my chances of getting a mortgage ) but if I paid the full amount of {$61.00}, they would remove it. They would n't even allow me to pay {$38.00} and call back to pay the rest if I could. I had to pay non or all. I paid the {$61.00} to get it removed in order to buy a house. There was no agreement to pay interest or even that I owed more than {$38.00}, except when they knew I was planning on paying. They even sent me an immediate receipt but it only stated that I paid {$38.00}, even though my account shows they removed the full {$61.00}. I could n't even get a correct receipt from them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: ProCollect, Inc.
State: TX
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 discovered this collection item in my credit report in XXXX 2015. I contacted ProCollect in writing to request validation. Their response was to send me a computer screen shot of a move-out summary for an apartment complex that did not contain enough information for me to determine if I am responsible for this alleged debt. I do n't recognize any of the information. In XXXX 2015 I again requested, in writing, additional information. I did not receive any response. I have requested for the credit bureaus to investigate this item as I still do not believe I am responsible. ProCollect continues to verify the information as accurate to the credit bureaus without having provided validation to me. I again contacted ProCollect, in writing, in XXXX 2015 demanding validation be provided to me. I still have not received any response whatsoever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been denied a home modification twice once when I lost my job now again asking for a reduction in my interest rate I have been paying the mortgage at 6.39 % since XXXX/XXXX/XXXX I lost my job in XXXX it was for a XXXX dealership that was cancelled by XXXX. At that time I asked TCF bank for help but was refused I have been taking on loans to pay my mortgage payments since XXXX. I tried to get refinanced but with my home being depreciated from a value of XXXX in XXXX by XXXX appraisal to in the area of XXXX now no bank will finance me without coming up with XXXX I have been told. I do not have that kind of money. They are charging me 6.392 % for the home mortgage and 5.23 % on the home equity loan. They again refuse to lower my interest. If it had been a government loan I would not have a problem with refinancing my home. I have paid every payment on time for the last 15-16 years. I have just turned XXXX just had XXXX XXXX this year have to borrow more money to pay them. May not have a job much longer yet they still denied me saying no hardship exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have Lowes Synchory card. I made one purchase of XXXX in XXXX and had a choice of 10 % off or no finance charge. I made another purchase in XXXX for XXXX and took the 0 % interest for 1 year. Even though the 0 % balance promotion was not up until XX/XX/2022, each time a made a payment, lowes would divide my payment between the two balances instead of putting full payment toward balance that was being charged an interest rate. The statements is 2 pages front to back of small writing and is very difficult to see this notification that says if you want your payment to go toward a specific balance you have to call with every payment. 
As a consumer, I feel this is very unprofessional and an attempt to bait and switch to make sure they get you for some finance charge. It is a terrible practice is a dirty trick to play on consumers who mare making purchases in your store.

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 2021-02-16
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: Information belongs to someone else

Complaint:
XXXX XXXX  ( Bank Credit Cards ), Inquiry date : XX/XX/2021 - This inquiry does notbelong to me

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 2016-06-06
Company: Sentry Credit, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a message on my answering machine from Sentry Credit XXXX on XXXX XXXX at XXXX. Fast talking woman left message saying it was an attempt to collect a debt and to call her back at XXXX. I am a retired XXXX was breached and I am covered by an XXXX paid for by the XXXX. I get monthly updates and have access to all XXXX credit scoring reports from XXXX, XXXX and XXXX. I also receive my credit score each month with XXXX of my credit card bills. I am not behind or late on any payments I do not owe anyone any debts. I believe this is a scam credit collection.

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 2016-03-19
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Blue Chip Financial sent cancellation of debt notice for " personal loan ''. But I NEVER HAD A LOAN FROM THIS OR ANY OTHER COMPANY. Nevertheless, they filed a 1099-C as if I had a loan for {$800.00} cancelled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am having issues with CCO mortgage corp sending my Escrow back on a mortgage that paid off. I have an envelope showing that I had the payoff sent to my new address and I have contacted the bank and my address has been changed since XXXX/XXXX/2014. CCO mortgage is saying that I never changed my address and they are saying I did not and even if it is changed at the bank mortgage is a separate company and have no responciblity to look in to it. I am now being told they will not reissue a check until 30 days after it was sent out and then they have additional 30 days to mail it out. Also they do not have to transfer me to a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25
Company: Williams & Fudge, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently retrieved my credit report and found out that there is an outstanding {$120.00} balance from my current college, XXXX College, that was apparently sent to collections and has still not been paid off until this date ( XXXX 2015 ). I work at the XXXX and I have reviewed my personal account in detail a XXXX times, and never have I seen an outstanding balance nor any evidence that my account was ever sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA

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 2017-03-27
Company: ERC
State: TX
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:
ERC is sending me letter asking me to pay for debt that is not mine they have the wrong person ... multiple letter .. from different accounts.. why the have the power to ruin my credit? 
they are a scam ... they dont do the research to check the information. soo unfair!!! i take care of my credit and some careless company just add collection that is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to Rent collection and XXXX, XXXX, EQUIFAX AND XXXX. I have gotten letters phones calls and report still showing on my credit profile.. Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no dealing with them. This is violating my right and all of 15 USC code 1692I. USING 15 U.S. Code 1692g WHICH I HAVE BEEN REQUESTING PROOF AND NONE HAS BEEN GIVE SINCE I AM A VICTIM OF IDENTIY THEFT JUST CONTINUE TO TELL ME ITS VALID NOW IM 15 U.S. Code 1692K OF MONETARY SETTLEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
RE : Case number : XXXX I am now filing an additional complaint in this matter concerning my escrow account and my demand that the account be dissolved and all funds remitted to me. Citizens has engaged in stalling tactics throughout this process and now has requested an additional 60 days! They have no documentation to support their claim of a " fee '' that should be imposed on me for the dissolution of the account. They have continuously tried to placate me by asking for an additional number of days to " research the issue ''. It is time for them to close the account, as they have already agreed to do, and turn over all funds to me. 
The attached documents show a pattern on the part of Citizens to continually stall the customer and delay any resolution.

Company response to consumer: Closed with explanation