BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-03
Company: AFNI INC.
State: LA
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 XX/XX/2017, Afni sent me a dunning ( collection ) letter stating that they were trying to attempt to collect a debt for XXXX. I received a call from a representative named XXXX, ID number XXXX, who advised me that they were attempting to collect a debt for XXXX, I advised XXXX over the phone that I did n't have a debt with XXXX, and if he could send me validation of the debt. XXXX was very rude, got loud with me, and advised me that he was going to put this debt on my account in 3 days. I also notified AFNI in writing that this debt was not mine and to provide me proof. I also advised them that it was unlawful to report unvalidated debt on my credit report. Afni still reported this debt on my credit report, although they did n't provide proof. Afni responded to my debt validation letter with the EXACT same dunning letter they sent to me initially, but this time they manipulated the information on the dunning letter to make it look like a " STATEMENT OF ACCOUNT '' They are intentionally trying to destroy my credit, and using intimidation tactics to get me to pay for a debt that is not mine by placing false information on my credit report. On the dunning letter that was sent to me, they advised me that if I notify them within 30 days of receiving their collection letter, they will obtain proof of the debt, which they did not. I did n't receive a signed contract bearing my signature, I did n't receive a billing statement showing the breakdown of any fees on XXXX XXXX letterhead, nor did I received an assignment of the debt to AFNI, proving that they have the rights to collect a debt on behalf of XXXX. I have never heard of Afni nor have I did any business with them. I have attached my dispute letter to Afni, my overnight delivery receipt w/signature showing delivery of the letter, the initial dunning letter that AFNI sent to me, the dunning letter that AFNI sent to me in response to my debt validation dispute letter, and my current credit report showing where they inserted this false information on my credit report. 

I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Afni, will be required to appear in a court venue local to me, in order to formally defend themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Started working with Primary Residential Mortgage mlo XXXX XXXX XXXX XXXX. He informed me XX/XX/XXXX by phone we were pre-apprved for our home loan. XXXX did not disclose anything to us. After a few wks i reached out to the CEO to let him know of my frustrations and he kindly responded and had someone reach out to me. I then began working with XXXX XXXX Division President whom later had me to work with a branch manager XXXX XXXX. XXXX has been polite but has given misinformation throughout this process and has now caused me to lose my home with XXXX! XXXX has been very inconsistent and honestly i feel discriminated against due to not having a higher score as he 's used to. XXXX stated no origination fee would be charged then changed the info. Stated my dti was XXXX % then XXXX % some how no explanation. Told my builder he could n't move forward yet told me we were on hold. NO one at Primary has addressed my concerns and now my family is without a house!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Specialized Loan Servicing reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: NCP Finance
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Please be advised that I am pending a XXXX Veteran XXXX claim and am currently at XXXX. I have had many circumstances beyond my control and am having extreme difficulty with the interest and monthly payment for this loan which currently has an APR over 218 %. Please consider lowering my interest and monthly payment so that I can pay more towards principal to pay this loan. NCP Finance Ohio is the Lender and I signed the contract with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have a collection debt on my credit report that is not mine, the natl.hospital collection has sent to my credit report that i have a debt with them of XXXX dollars.i an XXXX years old and i have been on my wife insurance were she works for a period of 15years so i do not know were they got this from .please help thank you

Company response to consumer: Untimely response
Consumer complaint received 2016-01-06
Company: Credit Collections U.S.A., L.L.C.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This account was previously deleted from all credit reports and was recently re-inserted. Credit Collections USA refused to verify the account belonged to me. This account is being re-aged. The changed the date of first delinquency which was originally XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
After my XXXX in XX/XX/XXXX, I decided to go into a XXXX position that I am still working in. I was aware of the Public Loan Forgiveness program and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in XX/XX/XXXX. I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In XX/XX/XXXX, I decided to submit my application to see where I stood. I received a response back in XX/XX/XXXX stating that none of payments qualified. I contacted the FedLoan Services at XXXX XX/XX/XXXX to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a XXXX position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in XX/XX/XXXX when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham. 
XXXX School : XXXX University, XXXX, MO

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already paid this debt and it was never take off my credit report even though when talking to them over the phone they said they would remove it with three weeks. It was removed from one report but not the other.

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 2017-04-04
Company: Massachusetts Educational Financing Authority
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have had my student loan for 5 years. I had deferred and reduced payments ( due to income ) for the first few years but have been paying the full amount for the past three years. I am building a plan to make extra payments to pay the loan off faster, as part of the planning I called the servicer to get a payment schedule / amortization schedule. They are unable / unwilling to provide this, they sent a letter saying I have approximately 108 payments left. There was no information about interest calculations etc. I know the balance, rates etc and can calculate a simple interest payment but wanted to see their calculation to both make sure my calculations were correct and to make sure I 'm not being taken advantage of by a company I do n't trust. I 'm astonished that they wo n't provide the most basic repayment schedule. I have worked in lending and written loan notes for years and have always provided a payment schedule. I got this loan for a XXXX and it 's one more reminder that I made a bad decision. It makes me suspect I 'm being taken advantage of in the repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In Accordance with the Fair Credit Reporting Act. The following accounts has violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX/ XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXXXXXX XXXX XXXX XXXXXXXX I, XXXX XXXX XXXX never gave ( XXXX XXXX XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 
They also do not have any permissible purpose to furnish my personal information to any third party.

Permissible Purpose : 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding deletion of the following accounts

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 2017-02-22
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home in XXXX XXXX, financed it through Ditech and opted for tax and homeowners insurance escrows. In XXXX XXXX, I received a delinquent tax bill from my county for school and county taxes. When I called Ditech, looking at my online account, which registered approximately {$5000.00} in escrows and only had an " earthquake insurance '' ( I live in PA, and do not have earthquake insurance ) payout scheduled for less than {$500.00}. The customer service agent told me I do n't have tax escrows on my account, when clearly I should have tax escrows set up, and the " earthquake '' insurance was coded incorrectly. It has been over a week since I alerted Ditech to the issue, forwarded a copy of my tax bills, and a copy of my Closing Disclosure reflecting that tax escrows should have been set up and tax escrows were collected at closing. My taxes have still not been paid. This is completely unacceptable and if I end up with a tax lien on my house, I am not sure what I will do. I 'm not sure why Ditech can not cut me a check of MY money sitting in my escrow account so I can pay the tax bill myself. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Taurus Law Group, P.C.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Taurus Law Group calls several times daily, not only me, but also family members of mine. The messages they leave say that there is an important message from Taurus Law Group and to contact XXXX XXXX ( not sure of name spelling ) at XXXX. The message sounds recorded and is exactly the same every time. They do not say who they are attempting to contact, but do say that they are a debt collector and that any information obtained will be used for that purpose. They have been asked to stop calling. I feel that they are implying legal action and by not identifying who they are attempting to contact, scare people into calling them back. This leads me to believe that if a family member does return the call that they would discuss any alleged debt with a third party in order to obtain information illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: PA
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:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 


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 a account without my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I had a XXXX XXXX Credit Card that the account was closed in XX/XX/XXXX. I received information from XXXX XXXX on XXXX XXXX, XXXX that included statements that were mailed to my previous residence. I never received the notices.

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 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my personal information and identity and opened an unauthorized and fraudulent account with XXXX XXXX XXXX. The account or debt do not belong to me. I am a victim of identity theft. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. I have been receiving harassing and threatening telephone calls and XXXX threats from XXXX XXXX XXXX representatives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Applied for a modification and I was approved for a temporary payment reduction and an extension of 21 more years. I was not happy with the terms and was told to sign it and send it back for review and then call to discuss for other options. After a week I called the mortgage company and was placed on hold several times. I was told i will get a call back and to no avail that never happen. My rate is over 9 % therefore the mortgage company is making money off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: First Capital Recovery Inc.
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
debt collectors was very rude and unprofessional they threatened to take legal action without giving me all the information on my case also called my job repeated times when I asked him to stop calling my job they had my cell phone number so there was no reason for them to call my job after they got employment verification from my employment they still kept calling this debt collector is called first capital the phone number is XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-02-20
Company: Integrity Group Inc
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was contacted by Integrity group with the help from you so that I could receive a refund on fees charged to me by them. The fee was {$290.00}. However they put down all of my information wrong including address so I did not sign since it said a check would be mailed to that address. I notified Integrity that the information was wrong and provided the correct info. I have still not received a response from them or the check. This has been over 2 months now.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Complaint that I have is with Bank of America over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with Bank Of America I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act. They keep sending me a letter asking me to provide them more information. I do not have more information. I am asking them what they are reporting and why. they can not tell me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am trying to refinance my home, I have an ARM and I am concerned with rising interest rates that I will not be able to pay my mortgage. There are some old disputes on my some of my accounts i.e. XXXX, XXXX, XXXX XXXX showing disputes initiated by me from years ago. The disputes were resolved. It has been years and these disputes have not been removed or updated. The creditor states they show no dispute so it is the Equifax, XXXX and XXXX causing the issues. I have asked that they be removed and they have ignored my requests, written, telephone and otherwise or tell me that there are no disputes. meanwhile XXXX claims they are still there as of XX/XX/XXXX. I need the disputes removed. I do not know how to compel them to do that and they are causing me irreparable harm. 45 days, resolved disputes have to be removed within 45 days! I need help with this. I do not have any documents reflecting these purported disputes because the banker XXXX, will not provide me with a copy of the report they are looking at, and the creditors state they dont show a dispute, and the reports from Equifax, XXXX and XXXX dont shot the dispute. Therefore I have nothing to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collector is attempting to collect for a towing company that towed a vehicle that i no longer owned. I sold the car to an individual and the individual that I sold the car to, got it towed. I tried explaining this to the debt collector but they did n't care, stating that i was the registered owner at the time. Which is not true and I have documentation to prove it. I have a copy of the certified document from the DMV that shows that I sold the vehicle on XX/XX/2016. The vehicle did n't get towed til after that. The Dmv clearly states that the previous owner is no longer responsible for any tickets or issues pertaining to the vehicle after the date that the vehicle is sold. My paperwork states that the car was sold on XX/XX/XXXX. The collection company is trying to collect for the car being towed after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the Bank of America XXXX XXXX card with a signup bonus or XXXX points after {$12000.00} spend. I chatted with a bank representative named XXXX on XXXX XXXX who confirmed with me that I was {$500.00} shy of spending {$12000.00}. I proceeded to complete the spend immediately. BofA claims I did n't hit the spend. XXXX mislead me by giving me inaccurate information. I deserve this bonus as I did exactly what I was told by BofA representatives.

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