BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-19
Company: U.S. Collections West, Inc.
State: TX
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 noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt I request all of the following information be provided to me by mail: Documentation showing you have verified that I am responsible for this debt, or a copy of my signature with a signed contract with this company. Otherwise I asked that you remove this debt from my credit file as it is reflecting negative on my file and is making my file look bad

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 2022-11-06
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted 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 non-monetary relief
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have called, emailed, and contacted Equifax via social media multiple time to request assistance with missing information. Equifax is not including an account that was reported to them 23 days ago, over three weeks. Equifax will not assist in helping resolve the issue and takes every effort to not provide help. 

I have contacted the creditor and this information has been supplied to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am filing a complaint because equifax is giving me a hard time in putting a security freeze on my file. My file is being handled by there consumer affairs department and it is always a problem when i need to request anything from them. I need a security freeze added to my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I live in XXXX, Missouri. Tower Loans ( out of Mississippi ) moved to our area about five years ago. I knew that my credit worthiness was low, and I had very few options for a loan except through a sub-prime institution. I received XXXX loans from Tower Loans. I owe Tower Loans over {$5000.00} dollars. XXXX loan is secured by a non-running vehicle. The other is secured by furniture. I got behind on payments because of illness and continued underemployment ( part-time work ) during the last four years. I am not disputing that I owe the money. I want Tower Loans to stop calling my department head 's office to locate me. I have a direct work line with the capacity for private messages. 

I have asked Tower Loans to not call my department head 's office and asked to be transferred to me at my desk. I have a direct line. The loan personnel at Tower Loans said that they could call any office they wanted because they originated the loan, and were not a " debt collection agency. '' I insisted that the law refers to " debt '' in a global manner. I need to know my rights, and if I am misunderstanding the law. I am fine with the calls to my desk phone, but I can not abide by the calls to my department head 's office. Even though my work is part-time, I still need my job. Moreover, I am concerned with this harassing activity. 

Sincerely yours, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Citi Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly received phone calls on a loan I already paid off YEARS ago. The same harassing phone calls from different companies every few months. I ca n't get them to stop either changing their company name or selling a false debt to someone else. PLEASE help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. I believe an ex significant other treated my credit as an extension of theirs - managing the credit until the relationship ended. Once it ended, many cards were suddenly opened, immediately maxed and all of the existing accounts stopped receiving payments. 

I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this. I do not know of the accounts in their office. XXXX only provided verification ( after XXXX requests in writing ) once a XXXX complaint was filed. As verification statement photocopies were provided to me but the activity on the account and statements I do not recognize. 

These accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit. Despite this, Cavalry continues to report inaccurate data on my credit report using it as leverage in a sick attempt to force payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13
Company: Viking Client Services
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was contacted by my employer XXXX/XXXX/15 who informed me that XXXX XXXX of Viking Client Services, XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX Case XXXX had contacted them regarding a debt I allegedly owed regarding a rental car that I had been involved in an accident totaling the vehicle. It was a personal rental non-business related. They were trying to collect the debt thru or from my employer. I believe that XXXX had contacted my employer as well seeking payment of the debt and informed them of the debt and my damage to the vehicle. 
I do not believe either party should have contacted my employer and endangering my employment status. The rental was in no way business related and I have only recieved XXXX letter from this collection agency which I am in the midst of responding to but their very disturbing actions have precipitated this request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I sent a cease and desist to all phone numbers in writing to Check N Go. It was received XXXX/XXXX/16. Today, I received XXXX calls to my work number ( but none to my cell ). I called and I was informed that the cease and desist went to their customer service but they were the collection dept ( still with check n go ) and they do n't have it. I informed them they are the same company so my cease and desist would apply to ever dept. She continued to try collection efforts and then stated she would transfer me to a supervisor. I could n't continue to hold and I terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: American Coradius International LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice letter on XX/XX/XXXX dated from XX/XX/XXXX. XXXX saying If i don't respond to it by XXXX XXXX XXXX that they'll assume the debt is real. This is from American Coradius International claiming I owe {$420.00} to XXXX XXXX XXXX XXXX This is not my debt I've never made any such charges and I always pay XXXX instantly. This is a scam charge and fraudulent. They are hoping someone isn't paying attention and just pays the debt without investigating. I don't have such account with XXXX and I never made a charge in that amount. This is a scam and/or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Responding to an email ad from Bank of America, we applied on XXXX XXXX, XXXX for a refinance for my rental home, owned since we built it 7 years ago. We complied with every request for documents, even having BofA contact our insurance agent and CPA. Dozens of emails, letters & phone calls later, & repeated delays, extensions & promises from them have gone on, usually with requests for more & more documents, not even pertaining to the property, but to our home & the other XXXX rental units we have, all dutifully submitted. BofA is currently the mortgage holder on one of those other homes, so a re-fi from them should have been a simple process ; we have excellent credit ratings and are stable, credit-worthy people, in the long-term rental business for many years, living in the same area our entire lives. Finally, on XXXX XXXX, they asked for an " update '' on the appraisal that was done by their appraiser in XX/XX/XXXX, an updated credit report, more copies of bank statements & another signed borrower 's certification form. The week before, I was asked what title company we 'd like to sign at, since the closing was finally at hand -- but no, yet more forms were now requested, instead! My phone service was down for a few days ( repaired yesterday ), so I could n't get these documents sent immediately electronically, but since they refused to give more than 2 days to get them to their Oregon office, they denied any further extension & canceled the loan application. We have been greatly abused in this process, a process even their loan officers claim was unusually, inexplicably & regretfully long. I would never recommend doing business with BofA, even though I had been a customer since XX/XX/XXXX! This was the worst, most demanding & most disappointing transaction I 've ever been through, & I 've bought, sold & refinanced many mortgages over the years. In view of all the time & effort this has cost us, only to lose this game of attrition, I feel our application fee should be refunded. I don 'd mind paying for the appraisal ( despite BofA thinking it needed an " update '' after only 3 months! ), but our time & effort would have definitely been better spent at any institution around here, which we 'll most assuredly do in the future.

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 2022-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2022 I discovered unauthorized charges and informed bank. Bank issues new card, however unauthorized charges continued on my account. In XX/XX/2022 my bank account had insufficient funds which caused alarm. I had a substantial amount of unauthorized charges and double charges. I notified bank immediately and they replaced card and gave me provisional credit until investigation was complete. I also incurred charges after card was cancelled and I had not received new card. Soon after provisional credit was reversed with no explanation. I trusted chase bank with my money and I was robbed. Chase Bank did not raise red flags After replacing my card. Chase failed to do 24/7 fraud monitoring for unusual activity. I did not authorize XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX several charges from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and several more. I incurred double charges from XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX It is an overwhelming amount of unauthorized charges. This has caused financial hardship and has been time consuming. I've reached out to bank and issue has not been resolved. I was told that credit reversal meant that bank reached a decision. I don't trust the bank and suspect that bank is responsible for the charges. Chase needs to replace stolen funds immediately and I can take my business to another bank that will protect my money. I can provide detailed information about unauthorized charges. I wasn't able to upload or attach list of unauthorized charges to this application due to file size. I can provide it upon request via fax or email.Please help me get my money back. Thank you for your time and help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
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:
On XXXX/XXXX/2013 I received a 3 day pay or quit notice by mail from my apartment complex. I moved out on XXXX/XXXX/2013. The apartment complex never furnished me with receipts to cover the costs of the alleged debts I owed them resulting from damage and cleaning. Especially not within 21 days of my surrender of the unit. The apartment complex alleges that I owe them for unpaid rent and damages to the dwelling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I applied Chase XXXX XXXX Credit Card on XXXX/XXXX/2016. To meet to minimal spending for sign-up bonus, I used it to made purchases about {$2500.00} on the weekends. But they suspended all of my Chase credit card on XXXX/XXXX/2016. After a call to Chase Customer Protection department, they assured that I would get a phone call in XXXX 7 business days. Until today ( XXXX/XXXX/2016 ), I never get any call from them. And I already pay off all the balance in both accounts last week. I have more than {$800.00} in XXXX accounts, which I can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Insurance company supposed to pay for this account. At that time I had full insurance coverage but hospital did n't request bill to the insurance company. 
After my termination of insurance coverage they were trying to collect from insurance company of course they wo n't pay the bill. 
After that I was working with hospital representative to make payment options some other representative moved to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # : XXXX XXXX  XXXX : Account # : XXXX XXXX XXXX XXXX  : Account # : XXXXXXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account # : XXXX XXXX XXXXXXXX XXXX  : Account # XXXX XXXX XXXX XXXX Bankruptcy XXXX : Reference # : XXXX XXXX XXXX : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

-15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

-15 USC 1681 Section 2 ( A ) ( 1 ) states that 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. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military service, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).

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 2022-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
capital one stated that they could not find any credit status or history from any credit bureau and that is why they denied my application. i have an extensive credit history with all XXXX major bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Agreed to pay amount of {$410.00} and charged credit card {$1300.00}. They refused to respond to any written requests ( emailed Radius Global on XX/XX/19 ) on as I tried to resolve without getting the credit card company involved.

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 2017-01-16
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Got a call from XXXX threatening me about a payday loan from Check n Go. They said I need to turn myself in to the police. My bail is {$25000.00}. I need help, I 've never received any letters from the payday loan company or any summons. Needless to say I live in Missouri and I get a call from an out of state number about this matter. Also, this XXXX number had the sheriff 's office call me. And said that if I 'm pulled over I will be arredted for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First call from IQ Data International was XX/XX/<YYYY>. Regarding a XXXX dollar fee that was still owed to our prior apartment building that was n't forwarded to me. ( We were charged XXXX for a new blinds my 3 year bent security deposit was only XXXX ) I did n't answer the phone as I was at work. 
They then proceeded to call my husband also at work and finally a friend of ours who was listed as an emergency contact. First day of the collection and they extended it past our household. 
I called the number that had called me after work and I was told that about the debt and I mentioned that because of a larger then usual medical bill I would have to wait until XX/XX/XXXX when I got paid. They asked me if there was anyone in my family that could pay for it. If I could put it on a credit card because at the end of the month the fee would double. They kept me on the phone for 15 minutes trying to pressure me to find someone else to pay for it. To give them my account information ( routing and checking ) etc. I refused to and told them I would call back XXXX. 
They called again XXXX twice on my phone did n't leave a message either time, once on my husband 's phone and they called my friends who was our ICE. Again I made arrangements to make the payment on XXXX. 
Thursday they called me twice while at work and I answered the second time and had to go through the same process as the first day. Explaining the call would happen the next day. 
XXXX I got a call at XXXX exactly. Was driving so did n't answer. Husband called them at XXXX to pay. They encouraged him to pay with a routing and checking account number instead of his debit card. He said no and asked what their policy on phone call frequency and caller laughed. Husband paid and he had to ask twice for a confirmation number. 

We never got a letter from them. First call was XXXX and the frequency would make one think we had moved out of the apartment a year ago not 2 months ago. I 'm lucky I could pay today but I hate to think what someone who could n't would have to put up with. I asked them XXXX to not call until XXXX and was assured it would happen. Harassing bullies.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation