BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-27
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I first learned of a lawsuit against me on XXXX XXXX, XXXX from a collection company called Persolve LLC when the payroll department of the company I work for sent me a notification of wage garnishment for XXXX %. I reviewed the documents sent to me by my payroll department and found out I had a lawsuit against me first filed on XXXX XXXX, XXXX with proof of service of summons on XXXX XXXX, XXXX, dismissed on XXXX XXXX, XXXX then a judgement on XXXX XXXX, XXXX and writ of execution on XXXX XXXX, XXXX. I was never notified of the lawsuit, notified of the serving, notified of the judgement or wage garnishment. The original debt was from a $ XXXX credit card that went into default in XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX that Persolve LLC bought and turned into $ XXXX debt with an interest rate of over {$4.00} per day. Persolve LLC is not the original debtor and never served me or notified me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
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:
I have disputed XXXX XXXX and XXXX XXXX with Equifax multiple times. I have explained that these accounts should have been deleted according to 15 USC 1681 605 ( a ) ( 4 ) 15 USC 1681 605 ( c ) 15 USC 1681 605e XXXX XXXX and XXXX XXXX are the same account. The last payment made to XXXX was XX/XX/2010 and should have been deleted. Equifax has failed to report these account complete and accurate. There are many incomplete and inconsistent facts on this account especially the last date of payment. 

I have sent in documentation and XXXX XXXX just alters information with out correcting and deleting these accounts Equifax is in violation of 15 USC 1681 ( i ) 611 15 USC 1681 ( c ) 605 ( a ) ( 4 ) 16 USC 1681 ( c ) 605 ( c ) ( 1 ) 16 USC 1681 ( c ) 605 ( E )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an account out for collections since XX/XX/XXXX with AFNI INC. based in XXXX, IL. About XX/XX/XXXX or XX/XX/XXXX. I contacted this debt collector and offered to pay the full balance of debt if they would remove it from my credit. They denied my offer of payment for removal and I understood but stated to them because I am close to statute of limitations I would not pay because I did not want it to restart the reporting cycle on my credit. Today I checked my credit and notice my score dropped almost XXXX points due to AFNI reporting activity for XX/XX/XXXX. I have not spoken to this collector in 3 or 4 months let alone made any payments or arrangements to pay. They would not have a letter or phone conversation to the effect of any arrangements made. My original balance is still the same. I am disputing the reporting of activity on this collection account which has caused my score to drop based on a conversation with this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: EOS Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Eos-Cca is trying to collect more after my debt has been " paid in full. '' On XXXX XXXX I received a call from my Rep who has been handling my debt from XXXX XXXX. The Rep asked me if I would like to settle this debt and finish the rest of the payments that day. I just got a nice bonus so I decided to pay it off. I asked the rep what is the total I owe today. He gave me an amount of {$430.00}. I was confused because to my calculations I still owed a little over {$700.00}. He said something about he had a couple payments unprocessed or something like that and I would just have to pay the remaining {$430.00}. I paid that amount and have received my Settlement letter stating that my " Debt is Paid in full. '' XXXX XXXX I received another call from another Rep asking me to pay {$810.00}. I had no idea what this debt was so I asked for the account number. I did not agree to pay because I wanted to cross reference the account number with my pass bills. Turns out the account number was the exact one from my settled debt back in XXXX. 

XXXX comes around and I decided to give them a call and explain to them what happened. I explained everything that happened in XXXX and I 'm not going to pay because I have already received my Debt settlement letter, which I thought was supposed to be a change in contract. They put me on hold to check some notes, He came back to tell me that the previous Rep made a mistake and my settlement letter did n't mean anything because it was sent on false records. I told them its not my fault. I was extremely upset that he told me my letter does n't matter. He continued to tell me that computers make mistakes and to settle my debt I would have to pay about {$370.00}. I have no idea how he came up with that value to settle my debt. I was not going to go through this all over again where a Rep gave me a bogus amount just to say they 're settling my debt and then receive another call 6 more months down the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited {$1800.00} from my husband 's account into my daughter 's Regions Bank account ( she is away at college ). They placed a hold on my deposit for 9 days because " they have confidential information that the item may not be paid. '' I nor my husband have ever written a bad check and we are almost XXXX. I would like to know what confidential information they have that it wo n't be paid. The {$1800.00} cleared my husband 's bank account the very next day. It is not right for them to get exclusive use of my money for no valid reason.

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 2016-12-06
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed account # XXXX with AFNI on XX/XX/2016 and sent my dispute certified mail requesting validation of this debt. AFNI failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XX/XX/2016 and I have not heard back from AFNI, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, i will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I recently disputed this debt with AFNI agency but This was a identity theft or used by someone else. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The Bank XXXX XXXX New York XXXX was involved in a fraud crime against me. It did not hold my money against money transfer. These transfers were done under duress as I was not in my right mind and afraid of something happening to me or my daughter. I will provide a paper file with this complaint.

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 2015-05-04
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A law firm in Utah has mailed me a legal demand letter on behalf of a XXXX here in XXXX, TX. I have never been a member of this gym. I have never made an initial or continuing payment to this gym and I have never have been present on the property of this facility. My bank account and credit card records show no activity with either of these organizations. The Aldous & Associates , PLLC group claims I owe XXXX to XXXX XXXX XXXX XXXX. I have never received any formal mailed bills from this gym ever. This law firm attempts to extort me by asking me to pay them a {$50.00} amnesty fee to their firm in Utah and follow up with a 12 month membership at this XXXX I have never been a member with, then my fabricated debt will be forgiven. They threaten to damage my credit if I do not follow their directions. I have currently filed a US Postal Service Mail Fraud complaint and a XXXX complaint against this entity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-05
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Good Morning, I pulled my credit bureau report from XXXX and I discovered EOS-CCA had a debt account inherited from XXXX XXXX XXXX tied to me. All information and letters stating I had an account in collections with them never reached me as they were sending all correspondence to an address inhabited by other parties and not owned by myself. They refuse to acknowledge the fact that I never received any correspondence and have the documentation to prove I was on a lease in another city as well as employment information that I am employed in another city so I was not able to receive any correspondence to handle this issue before they submitted my account to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: Bull City Financial Solutions, Inc
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Bull city financial sent me a bill for {$100.00}. I never received an original statement from the listed provider and asked bull city to give provider information to verify the debt and make payment to the original provider. Bull city refused to provide any provider information other than the name. An extensive search of records revealed that that individual is no longer in business in XXXX, does not work at any addresses listed, and does not have a functional phone number. this information was reported to bull city, who still refused to provide information to contact and verify the debt. Since that time, bull city has turned this over to credit agencies, negatively affecting my previously excellent credit score. If this is a legitimate debt, bull city needs to provide the providers information so that the debt can be verified and paid. Regardless, this needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am part of the many Americans that grew up in the middle class. My parents made enough to pay their bills but not enough to pay for all XXXX kids to go to school. Because they were middle class, I did n't qualify for federal loans, therefore private loans it was. 

I began my career immediately after graduating from college, but unfortunately a year later the position was eliminated due to budget cuts. I immediately called XXXX XXXX/Navient to discuss an income based repayment option. They told me that income based repayment was not available to me due to having private loans and my only option was forbearance. They made me pay {$150.00} to put my loans into forbearance. I had no other option so that 's what I did. The forbearance only lasted 3 months and despite attempting to lower my payment after that 3 months, Navient continued to refuse. At that time, I was making XXXX a year and paying over {$500.00} a month for my Navient student loans. That does n't include my federal loans from another institution. To this day, I make less than XXXX a year and still pay almost {$500.00} a month in loans. The only way I am making ends meet is because I married a man who helps me make sure I make those payments. 

The fact that Navient is not flexible with their customers and has had no repercussions for their actions is sickening. Many people are struggling to pay these loans back and they do n't care because they continue to get their money. Loan forgiveness would be awesome, but we all know that is n't possible. I 'm not asking for the XXXX ... I 'm asking to be able to go out on a Friday night with friends and not have to worry about not having the extra spending money due to having extremely high student loan debt. 

Between my husband and I, we pay {$2000.00} a month in student loans. {$2000.00} a month. Could you imagine if we were able to put that money back into the economy? Could you imagine if other Americans in the same situation could put their money back into the economy as well? 

There needs to be consequences for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Gragil Associates, Inc.
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have confirmed with the hospital the procedure was performed at ( XXXX XXXX ) that they got a notice that the statement was not getting to me. They ( XXXX in the billing department ) read my address to me as # XXXX, I told her it is # XXXX and she said " yeah that 's what I meant '' and changed it. 

The first contact from Gragil Associates, I explained that I never knew I had a debt and certainly would have worked this out with the hospital, and asked if I could do that instead. She said no, and that she needed me to pay the full amount or it would be on my report and they would take me to court. I said I could not come up with the money, but can make payments, and she refused. She said " they do not do that '' and I have to pay the full amount. Since then, I have received a bill every month, and every month they 're adding more negative comments to my credit report. Every month, I do the same thing, and call and say that I can make a payment, but she says the same thing " they do n't do that '' and she wants it in full ( yet they are reporting to the credit agencies that I am refusing to pay, which is not at all the case ). I got a final letter on XX/XX/XXXX that says " I fail to understand your lack of cooperation and feel this should be paid. '' I have been trying to cooperate since day one, but they keep falsely telling the credit agencies that I am refusing to pay, destroying my credit. XXXX XXXX XXXX refuses to take a payment unless it is in full, which I can not afford, and they will not give he debt back to XXXX XXXX hospital, who now knows the mistake that happened in the first place and would be willing to work with me on a payment plan. 

I would like these negative remarks taken off of my credit reports from them, as I am TRYING to take care of this debt ; in addition I would like them to accept some sort of payment, or give the debt back to the hospital, so I can stop receiving threatening phone calls and letters in the mail. 

In addition, it should be stated that I have tried calling every single day since the latest letter was mailed to me on XX/XX/XXXX, and am told every day that she is not in the office ; so now they are still sending me threatening letters and having other people call me, but she will not speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI has once again started to collect on a debt that I have disputed and have been proven to be settled/paid with XXXX. today I received a letter and I called AFNI. The agent stated that they never have had this account and I told him that they removed it from my credit report on XXXX XXXX, XXXX. He refused to listen to me and said I to pay it. XXXX is billing for cancellation of my contract. At the time I cancelled, around XXXX of XXXX, I went into XXXX to complain about the lack of service I was receiving in the new area I move to. The agent said their was nothing they could do about the service but would allow m to cancel. So, I did and went with XXXX. I never got a call or heard anything from XXXX until XXXX. So, I started to dispute their allegations. XXXX is hiding behind this collection agencies and they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: ERC
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Gradated undergrad in 2007, into the recession. Could not find a stable good paying job to keep up with my private loans. My private loans where sold to XXXX in which XXXX sold them to another collection agency. I was contacted by ERC in an attempt to collect the debt, and they wanted to settle for what was the balance of my all my private loans at XXXX. I agree and borrowed more money to pay the debt that was agreed for XXXX, but ERC Lied and allocated the funds to other accounts that were NOT discussed and changed the parameters of the settlement without notifying me prior. It was only after I had paid them, that they sent a cryptic letter saying what account the funds had really been allocated too, thus furthering ruining my credit score and lying. IS THIS LEGAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do XXXX disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : US BKPT CT CA SACRAMEN XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct You do not have the court listed correct : US BKPT CT is abbreviated and this is not accurate

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 2015-06-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Requesting the removal of hard Inquiry dating XX/XX/2015 on my Equifax report from FIA/CS. The lender in question in written correspondence attached, has no knowledge of it. Please have it removed as soon as possible. .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
XXXX is reporting incorrect information on my Bank of America card. They are reporting the first delinquency is XX/XX/XXXX. I filed a dispute in XX/XX/XXXX, they claim they verified it is accurate. However, XXXX removed the account from their report because the beginning of the delinquency was over XXXX years old XXXX beyond the statute of limitations. XXXX verified the account with Bank of America and the first date of delinquency was in XXXX according to their review. I believe XXXX and Bank of America are intentionally misreporting my credit and refusal to correct it is discrimination due to my age, race and gender.

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 2015-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have allot of inquires on my credit report because i was shopping for an auto loan i feel they need to be lumped together but they never where and its impacting me in a negative way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation