BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: Love, Beal & Nixon, P.C.
State: OK
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:
We had to declare bankruptcy in about XXXX or XXXX. We were then told to try to build our credit back up a little at a time. So, we took out some preapproved credit cards. Not realizing that the finance charges were so unfair. Then my husband was badly hurt at work. At about the same time. He is on social security XXXX. I have XXXX and it is well documented. Anyway, that was a long time ago. And I told them we absolutely had no money. The man on the phone cussed at me, he called me a liar and he sounded like I had taken money from him personally. Anyway I refused to make any kind of payment plan as we did not know what was going to happen to my husband. He could not ever be fixed. He can not read. He only knows hard labor and he can not do that. I only got my card because it was preapproved. It was XXXX XXXX XXXX. I tried to make payments to XXXX XXXX but simply was not able. Now, a place called Love, Beal, and Nixon has a lien on our place for almost 3 times what was ever owed. The info I have on them is that they can not make a living as real lawyers so they pick up these old debts and they try to scare you or badger you until you pay it. They are based in XXXX XXXX OK, XXXX. XXXX XXXX, XXXX phone # XXXX XXXX XXXX XXXX filled out the lien. XXXX XXXX XXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXX are supposed to be the lawyers. It has been so long since I even had a credit card or a bank account. I just want answers. I want to talk to the original place, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Hello. Good day. With Age comes maturity. Im conducting a much needed credit health check and have found there are a few Credit Agencys that have reported debt I supposedly owe. Well Ive never received notifications on these debts. Ive heard horror stories about Credit agencys using unprofessional even illegal practices on consumers. 
I have attempted to dispute this with the credit Bureau and it simply comes back as valid. Yet no statements, no letter validating this debt. I found out the origin was in Florida state. Im in California & have no history or ties in that state. Matter of fact my credit history doesnt even display this type of activity of such a large charge {$10000.00} Opened XX/XX/2015 Can you please assist me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Collection account from XXXX XXXX XXXX is listed as having a balance of {$450.00} on my credit reports. I disputed with them on XX/XX/XXXX, and received a letter showing my balance as {$450.00}, which is not reported on my credit. They also said that further disputes would not be entertained. Due to the incorrect reporting of this account, it needs to be deleted 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 explanation
Consumer complaint received 2017-08-20
Company: TCF NATIONAL BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged {$400.00} in " overdraft '' fees this past week which will cause more overdraft from another auto payment. I was charged multiple times for the same transaction, twice. One of the transactions was not authorized and was charged two times for that transaction. Customer service stated to me that it " was not their problem and we do not reverse any fees '' whether right or wrong. I believe this is bad business practice and is over excessive getting charged {$180.00} for a {$30.00} transaction that I did not authorize. I believe this bank preys on their customers with fees and something needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call at XXXXXXXX XXXX Thursday, XX/XX/2018, which I answered. There was a slight hum and click, and then the phone rang as if I had called whoever this was, and I immediately recognized that this was the process of an auto-dialer. An individual identified himself as only his first name, asking for someone by name, at which point I asked for his name and company, and asked why he was using an autodialer. After asking several times, without confirming any personal information at all from me, the individual divulged that he was with CCS, and that he understood that he was not supposed to be using an autodialer. I informed him that it was against the law to do so, and he stated that he could not continue the conversation and hung up the call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
applied for card in XXXX XXXX Nevada, on or about XX/XX/2016 while i was at the XXXX XXXX XXXX store because it would contribute to the conservation of wild life and hunting rights. The approved credit Balance was not much but was happy to contribute. fast forward 30 -45 days after i applied there was no Card in the mail nor any statement. ( small purchase at the time of sign up ) i gave it another 15-20 days and there was no mail. i decided to call the number on the paper work that i was given at the time of application. and was able to speak to a Rep. i was treated like a debt beat because i was told that i was past due and that needed to make payment. i explained to the Rep my situation but i was told to make payment and that my credit line will also be decreased because i was late on the first payment. she would not understand anything that i would ask or requested. i paid and requested for her to send the statements and confirmed that my address was ok. i only recieved the secondary card that was mailed via overnight but not any statement or other information about the bank. fast forward today, i made payment for more than requested and was told today again that i was 60 days past due? i explained situation again to rep but she was very nasty over the phone her name is XXXX XXXX, she would not answer basic questions on my account and would answer with generic answers that would not resolve my issue. i asked to speak to manager and was transfered to a male by the name of XXXX XXXX who stated that he was a manager with conflict resolution team. i explained my problem and asked to help but was denied under the grounds that i was late ... ( payment was made 30 min prior to talking to him by phone service ) XXXX stated that i should of been on top of my account, he stated that its no Bank of Americas responsability to call customers and remind them of their payments or email them. i asked if they send notificaitons if there is an issue with an account? he said yes but i would need to set that up on the B of A website. i explained that i can not open a user password because i don't have an account number because i have never recieved a statement. XXXX said that is something i need to resolve with mail not B of A. no other assistance or guidance was provided. i feel that this is an unfair treatment and i know that there is other consumers like me that have gone thru this. please help. complain number is 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 2018-04-23
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I applied for a payday loan with XXXX XXXX XXXX, I applied for a {$500.00} loan and that quickly became nearly {$1000.00} payback amount. I made multiple payments to them in the amount of {$140.00} bi weekly for about two months. I then tried reaching out to this company via phone multiple times for a time period of over a month, I left multiple messages and emails and never heard back, I was left with no choice but to call my bank and have them issue a stop payment as the funds were still being deducted directly out of my account. I still did not hear back from this company up until Friday XX/XX/2018 with a threatening email from a debt collector named XXXX XXXX. This person threatened me with court appointed action if I did not agree to reach out to him and settle this debt. I explained that I was interested in making payments in order to resolve the issue and asked if I could receive receipts for all future payments I make and payments already made and was told to refer to my bank statements. I need help, a I am being harassed by this company at work, home and school via email, phone and even text.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Equifax multiple letters to verify that this account was owed by me and I never received a copy of a application with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: SC
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was unable to make payments to Lending Club because I am XXXX. I spoke with them 2 months ago to stop automatic payments from my bank account. The first payment was stopped. Unfortunately, the second payment was taken from my bank account. I called them XX/XX/XXXX and told them that they took an unauthorized payment from my account. They apologized and said that the money would be returned 5 to 7 business days later. I still have not received my payment reversal. I spoke to them XX/XX/XXXX and they told me it would be in my account by today, XX/XX/XXXX. The payment is not there. I called them back today and they told me that the payment would be in my account by the end of the week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for this credit card, and was never taught anything about credit growing up, which is something I definitely feel should be taught in school. I lost my Mother when I was XXXX and my Father when I was XXXX. Now as a XXXX year old woman, I have found out that credit is extremely important and all I want to do is fix it and use the information I have used, by self teaching, to maintain my credit responsibly. 

When I got the card, my boyfriend was working and helped me pay my credit card bill. I used the credit card and paid my friends down payment on her car, and she failed to pay me the {$100.00} back. My boyfriend 's job started cutting back on hours and sending them home early, causing his checks to be extremely short. 

This account remains on my account although it has been closed and I would love for this matter to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I, went directly to the Wells Fargo facility in XXXX Ca, XXXX XXXX XXXX back in XX/XX/XXXX to close a safety deposit box. I closed it at the back teller station, while conducting a banking transaction. I opened the safety deposit box in XX/XX/XXXX or XX/XX/XXXX, when I was in the XXXX XXXX. Unknown to me the safety deposit box is still in my name and funds are in automated payment status from my checking account. 
In XX/XX/XXXX, I went back to the aboveforemention site and explain to them, that I do not possess any key nor have I conducted any access to a safety box that I closed in XX/XX/XXXX. I asked the customer service to provide me any documentation to show that I have been accessing the safety box. Ms. XXXX produced the initial contract, which consist of one paper. I asked her again is there any other documentation, she stated no and referred me to the bank manager Ms. XXXX. 
Ms. XXXX informed me at the time that unforuntately they can only go back seven years I asked her in the seven years does the safety deposit box log show any access. I stated to closed the box. Ms. XXXX stated since I have no key, that they would have to call a locksmith. XXXX staff stated they would reverse the payment, which they did of {$45.00} and only reimburse me for seven years. I told them I await the proper protocol of reimbursing my funds from XX/XX/XXXX-XX/XX/XXXX. I'm still waiting for XXXX to call me and yes Wells Fargo continues to not be truthful with customers. Fast forward the safety deposit is not closed, the payment still being deducted from my checking account. How ironic I called XX/XX/XXXX after dealing with my persistent calls they produced a paper that shows no signature and no key returned. Wells Fargo is definitely not trust worthy in the public eye, its evident from past practices in this matter. Closed the safety deposit box and get my name off that box and stop taking my funds from my checking 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 non-monetary relief
Consumer complaint received 2017-12-08
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX City residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State.  This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX City Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX City and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY XXXX required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Hiday & Ricke, P.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/XXXX a second lien was added on my XXXX XXXX XXXX that I purchased from dealership. XXXX XXXX XXXX C/O HIDAY & RICKE PA. My mother who is joined by or and not and is on the loan and that is her debt that was not informed to me that would be  added. I am trying to refinance the vehicle to get it out of her name and only into mines however due to second lien i am stuck with high interest rate and high car payment. Hiday & ricke continue to state that i was informed when i was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2018 I received a letter from Experian report # XXXX stating that pursuant to section 611 ( a ) ( 3 ) ( A ) of the FCRA they will not re-investigate the same dispute again at this time. 

The creditor agency intentionally reported my address incorrectly. My address is XXXX XXXX XXXX XXXX CT. According to the FCRA 623 information furnisher have the obligation to report accurate information Rule 660 pertains to information furnishers and their duties under the Fair Credit Reporting Act U.S.C 1681. 

The disputes against XXXX/XXXX XXXX  are not irrelevant. Experian had inserted duplicates of the same account information previously disputed. Thus re-aging the accounts and date of first delinquency, collection dates and time since negative. 

The FICO score report indicated that the account was re-aged. Experian did not have reasonable procedures in place to prevent violations of the act FCRA 623 ( a ) ( 1 ) ( c ). 

Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ). 

CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's 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 explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Billing dispute for services

Complaint:
My account was charged around XXXX  dollars by TransUnion every month for month despite never signing up for their service.

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 2019-04-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am filing a complaint with the lender XXXX XXXX. for its unlawful tactics and hiding information from me as the borrower. I have made payments the best to my ability and advised them what i could afford. Every time i call for a income based program or forbearance i get told there is nothing they can do there are no options and that i have to continue making my payments. At that point i have made the same payments every month that i could at {$200.00}. The payments jacked up to {$900.00} per month and the payment system blocked any payments that were not the full amount of {$900.00}. They then call my step sister who is the cosigner and myself and family making threats they will get me fired from my job since i work in the XXXX system, they threatened that i would have my wages garnished as well as threatened my step sister advising they will have her children taken away from her. Now if i recall those tactics are unlawful and illegal to try and extort a customer for a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: SUNRISE CREDIT SERVICES, INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 4 times a day they sometimes call before XXXX XXXX or later than XXXX XXXX they try to verify over ssn number and refuse to tell you anything until you give out your ssn and refuse to give out there name they call multiple times a day every day except Sunday they have multiple different numbers they call from some local others non local

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