BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-17
Company: Rosebud Economic Development Corporation
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am a XXXX year old grandma. In XXXX I was accepted for a XXXX loan which they said I could pay back in 2 years. My husband is XXXX with no medical insurance. I needed to get him some help. We are already XXXX in debt to medical with one income. I was desperate for my husband to at least get some medicine and he is also XXXX. I was led to believe that I would pay XXXX a month for 2 years. That was a lot but I could scrape it up because my I needed this loan for my husband. Come to find out it was XXXX a month which meant after 2 years on a XXXX loan I would pay back XXXX plus back. I could not do this. That is 220 percent and the loan did not say oay day loan because I would of know not to do this. I have no where to turn. Everyone I talked to asked if this percentage is legal. I did not know but we can not pay this back at this obscene rate. It is called Q credit and is funded by Rosebud XXXX XXXX XXXX. I guess this is all my fault but I never dreamed this loan would of caused me so much XXXX. On top of the critical condition of my husband and finances I am at a loss. I guess I am just an ignorant old lady. The offere came in the mail and I was desperate. I was told to call the Attorney Generals office and then Channel XXXX where they help people like me. I hope this company does not hurt anyone else. I made them stop charging my account at least as far as I know. I am really scared. I do not know what to do or where to go. I took the loan out for XXXX and paid XXXX. Now my balance is XXXX. When I talked to them about it they said " Well sure that is the interest ''. I told them I could not do this. They will be contacting me soon and I do not know what to do. My name is XXXX XXXX. I live in XXXX Arizona. My email is XXXXXXXXXXXX and my number is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX for assisted living. I just needed someone to know so that no one else gets hurt by this company. I heard that XXXX on your side could maybe help to. Thank you for your time. 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 explanation
Consumer complaint received 2016-05-23
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Professional Debt to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: R&R Professional Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
R & R claims I owe {$58.00} to XXXX. I spoke with them and they confirm my balance is XXXX. I had paid {$43.00} XX/XX/2015 making my balance XXXX $ R & R insists I should pay {$58.00} to them. I spent over an hour on the phone calling back and forth and got nowhere. They wo n't cancel the debt. PLEASE DO SOMETHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Acceptance has continued to try and collect on an account that I was told by a representative from their company that I was no longer responsible for. Upon receiving correspondance from another representative from this company, they try to act as if now they never told me that I would no longer be responsible for the balance owed after I returned the car. They have also been engaging in some unethical practices such as removing the entire balance that I do not owe after I disputed this account and then went back and changed the amount owed to {$3700.00}. If i was verbally told that the balance would be forgiven I feel it is very unethical for them to now go back on their word and try to recollect this money. I also do not appreciate the fact that after disputing this account, they reported the balance as {$XXXX}, and then went back and reported the balance as {$3700.00} as well as reporting several late payments, a repossession status and adding derogatory marks to my credit report and causing a large drop in my credit score. This is an example of them reporting incorrect information which is grounds for removal of this account. This car was voluntarily returned to them by me, so them changing the status to " in repossession '' is them lying. I believe that they are doing this to be spiteful and retaliate for me filing a complaint and I would like them to stop reporting this negative account to my credit profiles. I have attached a picture that I took from my credit profile showing that the account balance was reporting as {$XXXX} and then they went back and began reporting it again as {$3700.00}, which I know is illegally reporting inaccurate information and I want this account removed. By law, they are required to remove this account and I will hire an attorney if I need to.

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 2017-02-07
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was not told up front the cost of this treatment I told the company I did not have insurance and they made me think it would be covered under XXXX. I was referred here by the hospital and never told cost up front and the bill could not be covered under XXXX XXXX I never received a right to dispute letter from the collection company after it was sent to collection and they are collecting almost twice the amount due after today I called the medical company to find out how much the company charged me for tests they failed to reveal the cost of. Creditors collection is asking for XXXX the total XXXX gave me today was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: American Financial Resources, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have American Financial Resources Inc ( AFR ). as the mortgage company, with XXXX as the servicing company. The company charged a late fee based on when the check cleared my bank. The payment is due by the XXXX of the month and was received by the bank on the XXXX. It cleared the bank on XX/XX/2015. I called and spoke to the AFR and they credited me the late fee. My regular payment is {$1700.00}. I made the payment due as indicated on the XX/XX/XXXX statement of {$1800.00} ( {$1700.00} + XXXX for late payment ). In XX/XX/XXXX the amount due was {$1600.00} per the statement which reflected the late payment credit for {$62.00}. I sent a Payment of {$1600.00}. Now in XX/XX/XXXX, AFR charged me a late fee of {$64.00} for paying the statement balance of {$1600.00} in place of the regular payment of {$1700.00}!!! I paid what the statement showed as payment due and I got charged another late fee for not sending in the regular payment. 

My Complaint : 1. Per the AFR XXXX XXXX supervisor ( XXXX XXXX ), they will charge me late fee based on when the check is cashed by them and not when the payment is due. SO if my payment is received by them on XX/XX/XXXX and clears my bank on XX/XX/XXXX, they will charge me a late fee because the cleared on XX/XX/XXXX. This is a violation of the terms of contract which state the payment receipt is due by XX/XX/XXXX. 

2. For making the payment as stated on the statement as minimum payment due, AFR charged a late fee stating the charge is due to me not sending the regular payment due. I paid what the statement asked for and still got charged a late fee for sending partial payment!! 

American Financial Resources and XXXX are making their own rules and charging fees that are not legal. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Resolute Credit, LLC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I had a credit card opened in XXXX with XXXX, XXXX after I was married to my husband in XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a 2nd mortgage in XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on worker 's compensation since XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XXXX, that 's 13 years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX XXXX XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement 2 months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to College in XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX XXXX Bank ) should have been able to protect my money with my Divorce Decree on File as well as my Worker 's Compensation Check. They should have marked my account as Protected!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
on or about XXXX XXXX XXXX, all XXXX XXXX, equifax and XXXX put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled an auto repossession debt from 2010 ( i gave the car back because it stopped working because it was a flood damaged vehicle from Hurricane XXXX ). I paid the settlement amount to Credit Acceptance and they acknowledged receipt, and that the debt has been settled. The problem is I am trying to purchase a home and I need to have my credit report updated ASAP to reflect this information and Credit Accept refuses to release the information to XXXX XXXX. Despite the fact that I have authorized them to release the information. Every time XXXX calls them they refuse to release the info and I am told by the credit report people that Credit Accept is refusing to respond to electronic requests to update the information. This does not seem fair especially in light of the fact that the automobile was defective in the first place, and they said they would accept the car back to satisfy the debt ( but then they wound up putting a collection on my credit report ). When i call Credit Acceptance to complain they say they will cooperate with XXXX, but when XXXX calls they refuse to cooperate. I feel that Credit Acceptance is acting in bad faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
SOMEONE CLONED MY DEBIT CARD INCLUDING MY PIN # AND USED IT AT XXXX IN XXXX FL ON XXXX/XXXX/2015 FOR XXXX AND XXXX MIN LATER THEY CHARGE XXXX I FILED A POLICE REPORT WITH XXXX POLICE XXXX. CASE # XXXX BUT THEY TOLD ME THEY DID N'T HAVE ENOUGH PEOPLE TO REVIEW XXXX FILMS. REGIONS BANK IS RELUCTANT TO REFUND MY MONEY SO IN THE FUTURE I WILL NEVER USE PLASTIC AGAIN. GO TO XXXX AND SEARCH HOW TO CLONE A CARD AND LEARN HOW EASY IT IS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've tried numerous times in telling Equifax that the XXXX XXXX account is CLOSED. I no longer have the credit card, XXXX XXXX has already charged off my account and sent it to collections. Under these circumstances it 's impossible that my account would be reporting as open, yet Equifax is refusing to read my disputes and is ignorantly not looking into the account status ( which if they did, they would see this is an closed account ) The attached document will show that this account was charged off ; something that would n't be possible if the account was still open

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXX also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX XXXX CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Told them threw divorce XXXX XXXX XXXX card was my wifes to pay off She left it go into default, for the credit consolidation to take it over for her. I told Equifax this they did nothing on my part .Iv payed over XXXX Worth of credit off last month yet my credit score dropped over XXXX and XXXX more points this week, Yet they keep slamming me with buy there credit monitoring in my emails, MY XXXX scrore is XXXX and Equifax has me at XXXX and keeps spaming me with buy there product .This is bs .I got Divorsed 2 years ago and have been working hard on brining my credit up, They are an unfair company nothing has changed for them to drop it, All I have done is pay pay and pay more debt down to try to improve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged hundreds in overdraft fees. The order in which the transactions would go through were manipulated in a way to where I would be charged fees when I should n't have been.

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 2016-01-07
Company: Nationwide Biweekly Administration, Inc.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Company debits my checking account to pay my mortgage. Now I 'm on " temporary suspension '' doe to government involvement for fraud. I have to make my own mortgage payments. I no longer want to work with this company and due to a break in contract I want my set-up fee refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
the account # XXXX has been reported for more that 7 years since the first default, as per the fair credit report this must be removed after 7 years. the other credit company have removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Green Square Company LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My client has been contacted by a debt collection agency regarding an alleged debt. They have refused to disclose the original creditor, and when my client requested they send him a letter with information about the original obligation, the original creditor, or the method of calculation of the debt, they told him that " they do n't do that. '' This morning they left my client a voice message indicating that a " complaint has been filed '' against my client 's name and social security number, and that if I " refuse to cooperate '' they will " release information to my employer. '' I believe they have violated the FDCPA and that appropriate sanctions should be assessed against them. My client has no recollection about owing this money but they collection agency refuses to provide additional information about the alleged debt.

Company response to consumer: Closed
Consumer complaint received 2017-01-31
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 is not mine

Complaint:
This debt keeps appearing on my report after numerous attempts for proof of account, balance. I received a letter back in XXXX 2016 that it would be removed from my account and it was for few weeks then I assume bought from another debt buyer and its back on my account with another debt company. I do not have any idea of a debt owed to XXXX XXXX nor have a received a detailed bill of this debt and what the charges are for as I am required this information by law. I have sent multiple requests for months now for removal of this account with all XXXX credit bureaus and still no response from new debt collector. The first collector was XXXX XXXX and now the second collector is AFNI and I want this removed from my account due to over 30 days requested information never received, sent certified numerous times and no detailed bill received. Please help me in this situation and I am forwarding information I have pertaining to this ongoing battle with a debt I know nothing about nor have I been sent information, 30 day request for detailed information per law passed. This is unlaw practices of the fair credit law under consumer law. These debt collectors keep buying and selling this account with no required information of detailed bill as requested on numerous times, well past 30 days required by law and the credit bureau continues to allow this to happen as I have sent all XXXX of them I want documentation of this debt and 30 day period and all they send back is " it remains '', no investigation, no contacts, nothing and certainly not following consumer credit laws. 
Please see attached information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Did a order online and NEVER got the order and the amount is still on my credit card a month later

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 monetary relief