BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have been threatened on multiple occasions over the phone by Thunderbird Collection Specialists Inc on multiple occasions on the phone with abusive language and behavior. The first call the lady stated " how was I going to rent anywhere else '' when I informed her we own a house she yelled " I know XXXX ( my sister in law ) got you and your wife into this mess '' and was cussing at me. At which point I cussed back and said " Your XXXX company is no longer authorized to call me ever again ''. They have called XXXX to XXXX times since with the last one being today XX/XX/2022 at XXXX am Arizona XXXX. Which I have saved and have blocked multiple numbers and calls from them. Also today I received a letter which I will attach a picture of stating the following threat " Dear XXXX XXXX, YOU HAVE FAILED TO MAKE ACCEPTABLE ARRANGEMENTS WITH US REGARDING THE REFERENCED ACCOUNT. WILL IT BE AGREEABLE WITH YOU FOR US TO CONTACT YOUR EMPLOYER AND ARRANGE TO HAVE THIS DEDUCTED FROM YOUR SALARY BY MEANS OF A VOLUNTARY WAGE ASSIGNMENT? PLEASE REPLY IMMEDIATELY. Sincerely, XXXX XXXX. My father recently was passing away and we needed to pick up and leave to be able to care for him including his frequent falls, lack of hygiene and being in complete renal failure and thus squired this debt. But however since my father 's passing TCS has made several threatening statements and phone calls which is all been documented and provided. Under the fair debt collection act debt collectors are not allowed to harass or intimidate the debtor which letters and/or harassing phone calls especially if the debtor has told them repeatedly to cease all contact. I'm requesting your agency to step in and intervene in legal manner available to get TCS to discontinue their unfair and illegal debt collection tactics, and to warn others of thier activities in order to inform the general public and consumers about Thier shady practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
XXXX XXXX vas verified as in correct and removed from XXXX. Proper investigation and validation has not been done after many requests. No communication has been sent back, even though inconsistencies were identified and deleted as a result. 

Alleged debt with Portfolio Recovery Associates has been disputed numerous of times, each time it has not been verified as requested. Calls to attempt to collect alleged debt are at least 6 times a day before and after business hours, and even more frequently on the weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: MA
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:
I have asked the credit reporting agencies to remove these accounts because the information is inaccurate and also remove these inquiries that were not permissible but they have again ignore my request. The law states that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall.. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
I have not given anybody permission to review my credit report as well and i have requested that they remove those inquiries but they still remain. I have been trying for several months to get this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is unfair to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. This has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Recently I obtained a copy of my credit reports and notices that inaccurate information is on it. I have called and called to address inquiries on all 3 of my reports. I was even hung up on several times. I have tried 3 times a week for the last past months. It's even gotten to the part where I ask for management, and they put me on hold I get hung up on. I would never try this hard if the information was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: GA
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:
While shopping for a loan to refinance my current mortgage Equifax has reported multiple inquiries separately instead of a single inquiry, they are doing this even though they occurred within a 45 day window. 
I need this corrected due to it adversely affecting my credit score. 
I have tried on numerous occasions via online disputes, letters, phone calls and with a credit repair agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I suffered a fire on XX/XX/2022. My insurance company, XXXX XXXX XXXX ), has issued a check for over XXXX to start repairs on my home. I hired a Restoration company and an Electrical company to come to demolish the interior and also to install temporary electrical service. Both companies has finished their work, but my mortgage company, Bank of America, is refusing to release additional funds to pay the contractors. They initially release $ XXXX, but the final total to pay these two contractors are $ XXXX. Bank of America acts as if the monies belong to them. They refuse to release additional funds, and I'm unable to pay their final bill and also I'm unable to hire other contractors to finish my home.

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 2022-07-19
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On or about XX/XX/XXXX I found a home I wanted to rent spoke with an individual on the phone I was to send a security deposit I thought I knew this person I thought I worked with her at the XXXX but it was a phony it wasn't it was a lie anyways I sent this lady {$600.00} through my chime bank account on XX/XX/XXXX and then on XX/XX/XXXX I had to send her another {$700.00} to get the keys to the home rental and of course that's when I found out when it was a fraud this lady I was talking to wasn't even a lady there were two emails she had given me that I had to send that I had to use because they didn't have a chime account and trying to send some money to anyone with their email and that's what we used their emails so I was on XXXX XX/XX/XXXX XXXX and I found the apartment for the house for rent on XXXX I don't think you need to know that but just in case

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: MNE Services, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My complaint is that the representative for XXXX XXXX XXXX continues to repeatedly call my employer numerous times. Calling right back after they hang up. I have told them that I work for a school district and my employer does not approve of such calls. The representatives name is XXXX. His number is XXXX. He has started getting rude with the secretaries at the school. I tried talking with them but they could n't give me a date of when this supposed loan went through not the name of the company. They will only tell me that it is XXXX XXXX is a subsidiary of the company they are calling for. They could NOT produce any documentation that I had agreed to. They just said I owed {$720.00}. They will only provide the attachment I have sent. Anyone could have made this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I matched with an individual on the dating app XXXX claiming to be someone who is in my local area and going to my local university. We began texting in which they then confided that they were actually XXXX. I did not immediately cut them off, messaging them that the situation was strange, feigning interest so I could let this person I perceived was real down easily when I would cut them off the following day. Instead, I got a text claiming that it was the individuals father and that they had gone through her phone following a XXXX breakdown and XXXX attempt and found our text messages, and were considering contacting authorities. Following my reply in which I stated I was interested in speaking with the authorities, I received a phone call that had the caller ID information of my local police department, down to the actual phone number used in non-emergency situations being listed as the phone number. The man on the other end of the line said they were with my local police department, and if I knew the individual in question, proceeding to tell me my actions in communicating with someone under XXXX was illegal. They then said if the family handled matters externally from the police department, and did not opt to file charges, then a warrant would be issued for my arrest. The phone call ended there. I then began texting the father of the individual I had matched with, who expressed that they would cover half of XXXX  and XXXX  costs in exchange for me covering the other half, and they would not press charges if that occurred. I was then once again contacted by the police who reiterated that if I did not handle things with the family, I would have a warrant issued. After that phone call ended, and now that I was sufficiently panicked, I sent money via XXXX to the email address they provided, with the last message I received from them being a message declaring they received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Between XXXX and XXXX my wife and I were in Arizona ; we live in Connecticut. On Saturday XX/XX/XXXX and Sunday XXXX we were denied the use of bank debit card for normal transactions such as purchasing gas and going to dinner etc.. Each time we attempted to use the card the transaction was denied. Our checking and money account balances exceeded {$35000.00} and our attempted purchases were approximately in the low hundred dollar amounts. This was a great inconvenience, embarrassment, and mistreatment to us. When I called our Connecticut-based bank ( Webster Bank, N.A. ), customer service informed me that because we were out of state ( i.e., Arizona ) the bank reasoned that it was fraud on the card and blocked access to the account ( s )  through the debit card. I asked the bank 's customer service individual why the bank did not contact us since it has our : two cell phone # s ; two e-mail addresses, and text access, and I was informed that they left a message on our home phone without ever attempting to contact us via the other contact points, which they have had for years. This makes no sense and was irresponsible on the bank 's part, particularly since my wife travels to California, XXXX, and Florida on business regularly, uses the debit card on the road, and has never had her access to funds/debits denied. The bank also indicated that we should have notified them that we would be traveling to Arizona - since when does a consumer need to share their travel plans with their bank? That sounds like an invasion of privacy to me. Webster Bank greatly inconvenienced ( and embarrassed ) us while we were in Arizona and failed to contact us when its had multiple communication options available. The bank denied us access to our funds on deposit and caused us economic hardship because we were forced to use our credit cards in lieu of having ample funds on deposit. 

The Bank 's approach in this matter was inexcusable and needs to be addressed. Further, I asked customer service if there is a 'travel policy ' that requires a depositor to inform the bank of his/her travel plans, and was told no ; but we should have!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was told I needed {$2200.00} for my down payment/reserves. Now they have changed it AGAIN and are now requesting {$3000.00}. This company keeps changing how much I need. And have done so multiple times. My original amount included my homeowners insurance and now they are jacking up how much they need. This is like the 4th or 5th change in how much I need to close. I am supposed to close on the XX/XX/XXXX and now because they are pushing for more money, I will not be able to close in time. I have the XXXX. Because that 's what I was told I needed. Im seriously getting sick and tired if being XXXX around. I have reported this company to the FTC. And will continue to file complaints because what this company does to clients is absolute garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: CarMax, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a co-signer to an account with my sister at XXXX XXXX. I am in the military and while XXXX, several late payments were made to this account. During this time frame I was not successfully contacted by XXXX give where I was and the difference it time. I got the notice from my credit monitor service through XXXX. I immaterially got access to my sisters XXXX account and made the payments and have since taken over payments. I asked XXXX under these circumstances if they would consider doing a curtsy removal or goodwill removal of the late charges and that I could set up automatic payments though my bank account. There response was that they could not do this due to policy. 

the late payments in question occurred on the following dates for the following amounts : XXXX XXXX for {$270.00} & XXXX XXXX for {$270.00}. 

On my part I have called the creditor to ask for a goodwill removal of the reporting given the unique circumstances related to the late payment. After a long conversation with the XXXX of the call center I was told there was nothing they could do. I made this phone car on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the fair credit reporting act : XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.

15 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 an account without my written instructions.

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 2022-07-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the fair credit reporting act : XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.

15 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize these transactions it was fraudulent activity. Unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have XXXX inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I m submitted a complaint against BECU as this credit union is careless about their customer 's problems. One of these issues that happened to me over and over is my online payment toward my visa payment for another credit union ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, I tried to pay online ( {$50.00} ) towards XXXX XXXX XXXX XXXX  visa card & the closest date showed was XX/XX/2022. A couple of days later I checked my account & it said delivered on XX/XX/2022, but nothing took from my checking account with BECU. I contacted both credit unions. BECU told me it was sent a check between XX/XX/XXXX to XXXX to XXXX XXXX XXXX XXXX and it is delivered on XX/XX/XXXX to them. But XXXX XXXX XXXX XXXX believe never received the payment. I talked with a lot of people from both credit unions but until this moment ( over a month ) none help me to solve my issue and it is not shown to my account. It seems both credit unions are not caring about messing with consumer credit scores & credit reports for showing these visa card payments are late and used against consumers by their third party ( XXXX ) which has a very bad reputation for that. Both these credit union doesn't have an email for the consumer to contact about their issues & telephone line is a long wait ( over 35 min ). Also, BECU made a lot of mistakes for my other deposit & payment in their own system & I have to call them for over two weeks for fixing that. Also, I tried to change my address in different ways but I was not able to change it even online & they asked me just to fill out a form and send it to them by mail or fax which is not very comfortable. This credit union just makes everything difficult for their customers. They knew me very well and I answered all my securities for my info but they still ignored changing my address by phone or online.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Elevate Recoveries, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Elevate Recoveries, Removed this medical collections off my XXXX ( only ) credit report on XX/XX/2021 and then put the collections right back on my XXXX ( only ) credit report on XX/XX/2021. 

I have sent several letters to this collection agencies to verify this debt belongs to me and they have failed to respond to any of my letters proving the debt. 

Under HIPPA laws they have failed to prove that this debt belongs to me

Company response to consumer: Closed with explanation