BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-13
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
We had XXXX XXXX XXXX XXXX in XX/XX/XXXX, which we had problems with it working correctly. We called to cancel the service and a representative informed us that they would send a return shipping box for all of the equipment to be sent back to their warehouse. The day this was done we called to let them know and the representative informed us that we would not owe anything on this account. XXXX XXXX XXXX turned it over to a collection agency, then took it back and turned it over to another collection agency. The collection agency shows it as an open account for XX/XX/XXXX, the representative that I had talked with was very demanding and rude. We were told if we do not pay this account in full then we will be charged with criminal intent not paying this debt. I do not think this is good business for any company. I would not recommend XXXX to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We lived in the XXXX at XXXX XXXX from XXXX XXXX XXXX. At around XXXX or XXXX of XXXX we could tell there was a change in management. We were waiting for our written notice for renewing our lease, in order to tell them we will not be renewing, but this notice never happened. In the past this notice was sent back around XXXX or XXXX for us. The purpose of including this is to show how disorganized they were. My husband decided to contact them at the end of XXXX to end our lease. Of course due to rising XXXX concerns, they were no longer in office. It took us a week of leaving voicemails to get ahold of them. My husband explained the situation that we will not be renewing our lease and when can we leave by to not have a charge. The company told us we could leave by XX/XX/XXXX, and that our balance would just be the remaining rent for that XXXX balance, which was around {$400.00}. We agreed on these terms, paid our balance and moved our. A month later we received a bill from them of {$900.00}. We had no idea what we were getting charged for so much husband tried to contact them. Again no one was in the office so we got no call back from all the voicemails left. After I sent an email we got a call back stating that the balance was from us leaving early. This was not something that was stated to us as they agreed we could leave XX/XX/XXXX with no debt owed but the {$400.00}. The company said they would call us back the next day to solve our issue. This call never happened, and in fact they ignored all our calls and emails to dispute this and within a few weeks sent this to collections. I now have a hit on my credit due to this and the company refuses to fix our issue. We are asking if we could please solve this so I could get it removed thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX EOSCCA XXXX MA XXXX The company above has called my house for the last 2 years for a person who does not live here. I have told this company over and over XXXX does not live here and has never lived here to remove our phone number from their system. I also advised them I have no clue who this person is. Each time I talk to them they tell me they will then I receive more phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court the credit report has on file. Well the Court has finally responded to my letter and its 100 % clear they did not Verify anything with Experian. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the notarized letter I wrote to the court and the response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies.

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 2020-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I WANTED TO OPEN CREDIT CARD IN XX/XX/XXXX, BUT, BECAUSE I DIDN'T HAVE A SOCIAL SECURITY NUMBER YET, THE BANK OF AMERICA COULD ONLY OPEN A SECURED CREDIT CARD FOR ME IN THEIR XXXX XXXX XXXX XXXX NEW JERSEY BRANCH IN XX/XX/XXXX, I DEPOSITED {$1000.00}, THEREAFTER MADE ADDITIONAL TRANSFERS TO THE SECURED CREDIT CARD ACCOUNT. 

I DECIDED TO CLOSE THE ACCOUNT AND CALLED THE BANK TO DO SO, I WAS TOLD THEY'D DEDUCT THE CURRENT BALANCE OF {$75.00} AND SEND ME THE REST OF MY SECURITY DEPOSIT. 

ACCOUNT WAS CLOSED ON XX/XX/XXXX. 

BECAUSE I HAD LEFT THE NEW JERSEY ADDRESS ON FILE, I REQUESTED A CHANGE OF ADDRESS AND WAS REASSURED THAT WAS DONE AND THAT I WOULD RECEIVE MY CHECK IN THE MAIL WITHIN 21 BUSINESS DAYS. 

AT THE EXPIRATION OF THE GIVEN DAY, I CALLED THE CUSTOMER CARE AND I HAVE CALLED THE CUSTOMER CARE SERVICE AS MUCH AS 10 TIMES AFTER THEN, I EVEN CONTACTED THEM VIA TWITTER TO NO AVAIL. 

THE BALANCE STARTED ACCRUING INTERESTS WHICH THEY MADE ME PAY TODAY XXXX XX/XX/XXXX. 
NOTE THAT THE INTERESTS ACCRUED IS NOT MY FAULT SINCE I ALREADY REQUESTED ACCOUNT CLOSURE, BUT, FOR THE SAKE OF GETTING MY MONEY I DECIDED TO PAY ANYWAY. 

TODAY, XXXX OF XX/XX/XXXX, HAVING WAITED MORE THAN 3 MONTHS TO RECEIVE MY SECURITY DEPOSIT, I WENT INTO THE PHYSICAL BANKING XXXX XXXX BANK OF AMERICA, AFTER SEVERAL CALLS BACK AND FORTH, WITH AN EMPLOYEE EVEN SAYING THEY NEVER HEARD OF ANYTHING CALLED A SECURED CREDIT CARD, I WAS TOLD THE BANK DOESN'T HAVE MY MONEY. THAT I WAS THE ONE WHO OWED THE BANK. 

I WAS TOLD IT WAS NEVER A SECURED CREDIT CARD BUT A REGULAR ONE AND THAT I NEVER MADE A SECURITY DEPOSIT, WHICH ULTIMATELY MEANS BANK OF AMERICA IS TRYING TO DEFRAUD ME OF MY {$1000.00} AND TO KEEP MY MONEY. 

I HAVE PAID ALL BALANCES DUE AND BANK OF AMERICA OWES ME {$1000.00} WHICH SHOULD ALSO START ACCRUING INTERESTS UNTIL THE DAY THEY PAY ME BACK THE FULL SUM. 

I HAD A CHECKING ACCOUNT WITH BANK OF AMERICA WHICH I ALSO CLOSED, IT WAS FROM THIS ACCOUNT I MADE ALL PAYMENTS DUE ON THE SECURED CREDIT CARD ACCOUNT. 

TO FUND THE BANK OF AMERICA ACCOUNT, I TRANSFERRED MONEY FROM MY XXXX   ACCOUNT VIA XXXX. SINCE THE BANK CLOSED MY CHECKING ACCOUNT, I NO LONGER HAVE ACCESS TO STATEMENTS. HOWEVER, I HAVE ATTACHED STATEMENTS FROM MY XXXX ACCOUNT. 

BANK OF AMERICA SHOULD STOP DENYING ME OF MY HARD EARNED FUNDS AND DO THE NEEDFUL 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 explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: Resurgent Capital Services L.P.
State: PA
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:
This account has been closed but it is still reported as late payment on my credit report. Remove this account from my credit report but it is negatively affecting it, thanks and I will be expecting your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Experian Information Solutions Inc.
State: DC
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: Investigation took more than 30 days

Complaint:
With respect to CFPB complaints XXXX and XXXX In the complaints dated XX/XX/2019, the following hard inquiries were disputed with XXXX and Experian : XXXX XXXX , XXXX XXXX XXXX, CA XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX In light of the fact that the complaint were filled XX/XX/2019 and to this date a response has not been reported with the CFPB, I hereby request that all the items identified in the complaints be immediately deleted in accordance with FCRA.

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 2020-11-19
Company: Experian Information Solutions Inc.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

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 2020-08-11
Company: I.C. System, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft due to an XXXXXXXX XXXXt breech. XXXX   XXXX services and XXXX XXXX services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2017-02-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
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:
I was a resident in a rent stabilized LIHTC complex and subject to the requirements of the Division of Housing and Community Renewal. There were numerous violations and because of my notifying the DHCR, the attorney general and the housing authority, the landlord refused to offer me a lease renewal and chose to file a Petition for Posession of Premises ( Holdover ) In the Petition, the Petitioner also asked the Court for " rent in arrears '' In my defense, I prsented evidence that I did not owe any rent as my rent was paid to date. In the Court 's Decision, the Petitioner was awarded a Warrant for my eviction. However, the Petitioner was not successful in obtaining a Judgment for " rent arrears. '' I suspect on the ill-gotten advice of his lawyer, the landlord decided to submit the alleged unpaid rent to a collection agency in Maryland. I received a notice from the agency along with a sheet of paper of the alleged debt which was insulting. A 5th grader could have done a better job. Nonetheless, I immediately sent a certified letter disputing such debt and asked for a " validation. '' The agency basically sent me a duplicate of the 1st version of the alleged debt. It did not have the address of the alleged creditor nor an explanation of the alleged debt. First of all, the landlord and his attorney are well aware that the Court already ruled on arrears. Next, that document is fraudulent. Lastly, landlord 's attorney either is inept or he is rolling the dice in hopes by using an agency in another state ... ... ... well just maybe he can sneak this by but even if the could possibly prevail, I am XXXX years old. NO assets, and my only income is social security! 
There are other reasons I was targeted but for one reason that was the lesser of the others was that once i no longer resided in that particular apartment, that unit then became, deregulated and THAT is the lanldord 's goal to deregulate any units that are rent stabilized! t The landlord has about XXXX of these complexes so he has quite a gig.

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 2016-04-25
Company: Oracle Financial Group LLC.
State: DE
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX/XXXX/2016 - XXXX : Received a call from XXXX direct extension XXXX and person left a voicemail - I checked the voicemail : it says " XXXX XXXX who received correspondences on behalf of his client on a fraud case that will be filed against me in my county according to Federal and State laws. The charges will be filed within 72 hours and that his client wants me to provide a character statement on my defense. The reference docket number for the case is : XXXX ( I have a copy of the voicemail ) - I called XXXX XXXX the number back at XXXX, he told me that he was part of Oracle Financials, which is a consortium of lawyers. He gave me the name of the creditor : XXXX XXXX XXXX and told me that he would be charging me with fraud. I then told me not to contact me and refused to give him any of my personal information - At XXXX : I called the FCDPA for advice on filling a violation claim and for a referral for lawyers - At XXXX : I called the office of a consumer lawyer to see if I could schedule a consultation and left her a voicemail - At XXXX : I called XXXX XXXX XXXX and told them I was planning on filing an FCDPA violation claim. They told me to they had sold my debt to XXXX XXXX XXXX. 
- At XXXX pm : I called XXXX XXXX XXXX and they did not pick up. I called them again at XXXX and XXXX told me they had given the loan to XXXX XXXX - At XXXX : I called Oracle Financial ( XXXX ) and they argued that since the phone call I received did not come from their toll-free number, they had nothing to do with it. When I asked if he were willing to send a verification letter, he said no because he did not want the company to be sued. 
- At XXXX : I decided to call XXXX XXXX so that he could tell me again who he was working for. He did not pick up but his voicemail said he was working for ORACLE Financial - At XXXX : I called Oracle Financial again to inform them I was filling an FCDPA violation claim and wanted to know if XXXX XXXX was working for them ( based on his voicemail greeting ), they hung up on me. 
- At XXXX : I called again, this time I explained my situation to another employee who said he was not qualified to help and transferred to what I believe to be their claims department. The person I talked to asked me for my social security number and since I was already highly suspicious I refused. I was however willing to give them my name and my phone number to check their records. Suddenly, they could not find me in their system. I reiterated my question about XXXX XXXX and asked them if they were saying they did not have a loan under my name. He answered that XXXX XXXX did not work for Oracle Financial and they did not have any loans under my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2020-08-11
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Recently I applied for Economic Injury Disaster Loans and I was approved with the documentation that as requested from the XXXX XXXX XXXX. The loan amount that I signed for and agreed to pay for was {$89000.00}. The ACH deposit inside my account XX/XX/2020. Golden Credit Union placed a Permanent hold on my funds from the XXXX Loan deposit. I spoke with a representative regarding the hold and was advised I need to show them documents before or if they decide to release the hold from my loan. I told the Rep my business is a DBA/ Fictitious business name filed with XXXX XXXX XXXX   XXXX XXXX California XXXX They currently have my loan frozen inside my own account. its unfair practices. I was approved for a loan and the bank blocking ACH Deposits for my busines which I have to pay for monthly.

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 2020-08-11
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
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:
i REPEATEDLY HAVE SUBMITTED DISPUTES ON PRESTIGE FINANCIAL SVC. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH EXPERIAN, XXXX XXXX, AND XXXX. PRESTIGE HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. PRESTIGE CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO XXXX WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM PRESTIGE AND XXXX TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been XXXX for over two years during this time I requested a modification 't with Citi Mortgage got the modification approved which increased my payments but that is another story. Every since then which was 2014 I have been having small issues with them getting letters stating my modification was denied I owe back escrow things like this that I was able to resolve until now. They are saying they are foreclosing on my home because I have n't made a payment since XXXX which is completely false and everytime I called and spoke to someone they said they were looking into it and when I got a point of contact they always went on vacation or transferred to another dept so now they are no longer allowing me to pay my mortgage because I am not on a repayment plan so I will fall behind and lose my house

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