BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
Company: Tower Loan of Mississippi, Inc.
State: MS
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:
I had a loan about 15-20 years ago, at the time my husband was deemed XXXX due to XXXX and XXXX XXXX. I communicated with them and told them I am no longer working and I was about to lose everything, these people have contacted me in the last few days about this debt, I kept getting emails that someone was pulling my credit ... well turns out it was them ... they were pulling my credit every 30 days to get information.I didn't give them permission to pull my credit. If that is the case, how easy it for anyone to steal my information and pull my credit and put things in my name. I am still battling with my husband and I have no income, we are staying with family to make ends meet and I have to deal with this ... even if I wanted to start over I can, they pull my credit every 30 days! MY SCORE IS in the LOW 400s now! WHO is going to give me anything!!!

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 2017-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2017 I initiated a transfer of funds to my brother for {$500.00}. On XXXX/XXXX/2017, I was informed by my brother that he never received the payment. I realized that I entered the wrong phone number by XXXX digit. I immediately contacted the bank and filed a claim. I was told it would take 10 business days to resolve. I called regularly for updates. Was told that the person who did receive the funds was also a Bank of America customer and that the bank would try to contact them. On XXXX/XXXX/2017 I received a letter stating that the claim was closed and that I would not receive my money back. The bank had attempted to reach the other party but did not receive a response, however after speaking with a BOA rep, I was informed that the bank only tried to call the other party 3 times and did not begin trying to contact them until XXXX/XXXX/2017, which was 14 days after my initial claim was filed. I feel that BOA did not do a through job in trying to resolve this issue for me at all.

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 2017-01-30
Company: Southwest Credit Systems, L.P.
State: FL
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:
The debt was from 4 or 5 years ago, but it is being reported as a new debt as of XX/XX/2016, by SW Credit Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Avadyne Health Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have some outstanding past due medical bills that have gone to a collections agency. I have an answering machine on my land line phone. I have a generic outgoing message on the machine that states no one is able to answer the call and does not mention any names. Today, I found a message on the machine that claimed to be from the collections agency. The incoming message stated that it was for me, by name, and that anyone else should immediately hang up. The message then went on to explain the nature of the call was to collect a debt and gave the name of the agent and that of the agency and their telephone number. I have a girlfriend that spends several days at my house at a time and the answering machine is in the living room, where she can hear both the outgoing message and the incoming messages. 

The message is saved on the answering machine, with no direct way to save it as a computer audio file. I may be able to play it back and capture the speaker output to a voice recorder that generates XXXX files that can then be copied to my computer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/2019 I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Experian and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH Also there are 18 inquiries that were not authorized by me and they have refused to remove them. 

There is also a Bankruptcy they have refused to remove that 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: ID
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:
n accordance with the Fair Credit Reporting Act XXXX  Account/XXXX XXXXs # XXXX XXXX accordance with the Fair Credit Reporting Act XXXX  Account/XXXX XXXX  # XXXX XXXX accordance with the Fair Credit Reporting Act XXXX  Account/XXXX XXXX  # XXXX XXXX accordance with the Fair Credit Reporting Act XXXX AccountXXXX XXXXs # XXXX XXXX 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.

15 U.S.C. 1681c. A-5, Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, othe than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 A-1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-06-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was profiled as a XXXX male in XXXX Wells Fargo branches and yelled at in a XXXX branch over the phone and then was told by corporate security they were closing my account. This guy yelled at me. I have reported this to wells Fargo. And asked to get the video tapes of my harassment. They will not help and refuse to acknowledge any wrong doing on the part of all employees involved. They have denied me access to any wells far go bank and said they will call the police on me if I ever go into a wells fargo bank again. This is XXXX and an act of XXXX threats towards an individual consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Checked my Checking account and noticed I had a credit for {$250.00} on the XX/XX/2017 and and a debit for {$290.00} on XX/XX/2017 from Cash Central LLC. I have never authorized any loan or was ever notified of authorization from either my bank or the lender. I contacted my bank and alerted them of the fraudulent activity as well as the XXXX major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have had a TD HELOC with a XXXX year draw period and a XXXX year renewal. ( This 5 year renewal product is no longer offered by TD ). As we approached the renewal ( XXXX XXXX, XXXX ), TD sent us a letter informing the we needed to submit last XXXX years income verification. My husband is XXXX employed and his XXXX tax returns were not yet available. 
We called several times to discuss requirements. With each call, there was no record of our previous call. On XXXX XXXX, we received final notification indicating that all paperwork needed to be filed by XXXX XXXX, XXXX ( 3 Business Days ). Due to holidays, we missed the deadline and were told that the exception could NOT be made. This experience was surprising due to the Office of the Comptroller of Currency ( OCC ) guidelines on Home Equity Lines of Credit Nearing their End-Of-Draw period : Contacting borrowers through outreach programs. Management should begin reaching out to borrowers well before their scheduled end-of-draw dates to establish contact, engage in periodic follow-up with borrowers, and respond effectively to issues. 
After speaking with several people in the TD Branch network ( XXXX XXXX ), we were told that an exception was possible. ( XXXX indicating that she had difficult time contacting Loan Servicing too ... would not answer phone ). 
Last week, we faxed my ( XXXX XXXX ) XXXX years worth of XXXX and XXXX XXXX tax returns. The fax cover letter indicated that XXXX XXXX tax returns would follow. 
XXXX we receive a letter from TD, indicating we were denied due to insufficientincome verification. XXXX again, pushing us into a repayment phase. 
We have an excellent credit score and significant net worth so if we could find someone to help us, there is no reason for us to renew our draw period for the additional 5 years that are outlined in our note. 
We have now applied with our local credit union and anticipate approval shortly ; however, our preference would be to continue with TD for the additional XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Other

Complaint:
My issue is with Bank of America. I have Visa and XXXX cards with them. For years ( more than XXXX ) I had them set up with automatic payments coming from another financial institution to cover the monthly amounts due. I started receiving notices that my payments were over due with added late charges. I checked with Bank of America and they told me that the automatic payments had been canceled. They tried to tell me that I had requested the cancellation which I did not. Then they told me that the institution where the payments were coming from had canceled the payments. They did not. I got the automatic payment set up again. A few months later I started receiving notices that my payments were overdue with associated late charges. When trying to determine why this was happening Bank of America could not give me any good answers. Over the past year Bank of America has XXXX times canceled automatic payments which I had set up. In the delinquency letters that I received it was stated that they could increase the credit card interest to around 30 %. I am very concerned about the impact this has had on my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card
Issue: Other

Complaint:
i have received a phone call from a company called XXXX- they are located in California- the woman who i spoke with was XXXX -- she stated the call was for an old HSBC credit card. the card was around XXXX her attorney fees were XXXX -- they are going to file judgement agaisnt me in the state of CA, put a lien on my vehicle, and garnish 25 % of my wages. i was very concerned and asked a lot of questions i dont remember having the card- she said was from XXXX when i asked for more information she got upset and hung up on me. i called again today to get more information she said creditors can garnish wages if i dont pay my bills -- she mentioned other debts that i had and said i dont pay my bills -- she said i was wasting her time. when i called back again to get more information on the " garnishment '' she said they were going to do what they have to and she was not going to deal with me. she hung up on me more several times after i just tried to get a mailing address and more information about her and the company she was calling from. i think they may have blocked my number after a few attempts. i asked to speak to supervisor they either hung up on me or transferred me to a voicemail. when i called back to get the name of the supervisor they just transferred me back to a voicemail which doesnt have a name just an extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: MD
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 inaccurate address are reporting on my personal credit file with Equifax, XXXX and XXXX credit reporting agency There is no name associated with this file, I don't think this information are 100 % accurate. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 inaccurate address are reporting on my personal credit file with XXXX, XXXX and TransUnion credit reporting agency There is no name associated with this file, I don't think this information are 100 % accurate. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 non-monetary relief
Consumer complaint received 2016-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
repeatedly called me, my wife, my daughter about a debt i had problem paying. Threatened to come to my office, sue me, contact my HR office, and shouted and belittled me. 
Portfolio Associates of VA is a corrupt organization. 
I have contacted the company that I had purchase the items with and started repaying directly to them. 
But nothing stops Portfolio

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Other

Complaint:
American Express have me listed as dead an will not take it off unless I pay the tol. bill in full they call me an said that as long as the bill is not paid they will not remove it I have talk to the XXXX credit reporting co. an they told me to contact you I`m not able to keep my job if this is not fix an can even buy a car an being told by my credit card co. that this is on my file an if I`m not the person that I`m breaking the law by using some one eles identity I am not dead American express is doing this because I cant pay what they want. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Accounts and Amounts have been dismissed in XXXX County Superior Court ( Ga. ) on XXXX/XXXX/2015. I have documentation stating that fact, and it is available at XXXX Superior XXXXXXXX XXXX XXXX, Ga.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I 'm in the process of trying to cancel American Express Credit Card for my mother. She has never requested this credit card and is unable to cancel herself as she is elderly, suffers from XXXX, and does not speak XXXX. I believe she 's been paying for some time now, because she did not know how to cancel it. 
When I called American Express, they said she needed to be with me or have a power of attorney. My mother lives in XXXX, and I am in XXXX. We will have to go through great lengths to cancel a credit card she never asked for. I would like American Express to not only cancel this card, but stop preying on the most vulnerable for financial gain. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is violating the Fair Credit Reporting Act by not removing fraudulent items from my credit report. The following items are as follows : XXXX XXXX XXXX, Balance : {$21000.00} and XXXX XXXX, Balance : {$14000.00}. I have filed a dispute with XXXX and they have yet to block the fraudulent items from my credit file and is violating the FCRA. Please have these items removed immediately, due to identity-theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 looked at my credit report and saw a Hard inquiry from XXXX in XXXX, Flordia. I never used this company and never provided any of my information for it. I tried to call the creditor and they instructed me to call Transunion. Transunion told me that the creditor has to let them know that the information is incorrect so they could take it off my credit report and the creditor still told me that they could not take it off even when I know they can. This hard inquiry is affecting my credit and it needs to be removed immediately. The Inquiry is named National credit cards/Airlines.

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 2015-05-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
My credit card company, Wells Fargo, does not state an end of a billing cycle date. I have been told by customer service that the billing cycle is 30 days, most months. Since Wells Fargo does not list which months will not have a 30 day billing cycle, I do not know the exact date of the end of a monthly credit card cycle. By not disclosing the exact end date of a billing cycle it is difficult to manage my expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: WI
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:
XX/XX/2019 I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Equifax and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX  XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX  XXXX  XXXX/XXXX  Also there are 10 inquiries that were not authorized by me and they have refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind on my mortgage do to XXXX and medical problems and we took in a XXXX XXXX. I have since fixed the problems and am able to make my payments but I am not able to make the XXXX PNC is asking for. I have called to make arrangement maybe to pay this over a 6-9 month period to get caught up but they told me I could not. I do have some of the money to pay now but they wont take anything except the full payment. We have lived here 27 years and I do not want to lose our home. We are hard working and have had some bad luck but I have no doubt I can get this turned around if they would work out an agreement to let me pay it back in 6-9 months. I can not do it all at once- thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Abra
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was approached by a person who allegedly claimed they work at Abra which said if i put an investement worth XXXX, i'll earn XXXX and figure was only written on phone possibly the person just thought of the amount just to lead me into a scam. By my investigation she wasn't an Abra user according to the company. 

I started chatting with XXXX on XXXX, then later switched to XXXX chat. I tried to invest on XXXX or XXXX XXXX, so i bought cryptos of up to {$1300.00}, hoping to earn some profits. The card payments and bank transfer that i made was to buy some BTC cryptos which i bought using Abra via XXXX, so it gave a few options like XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA XXXX XXXX ; he laughed & said " have your attorney call ''

Company response to consumer: Closed with explanation