BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-05
Company: TFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I received a " demand '' letter on my 2nd mortgage with Third Federal, giving me 35 days to pay them {$50000.00}. This mortgage had been " written off '' supposedly as I was a casualty of the Great Recession having lost my full-time job in 2009. I was unable to send them the {$50.00} per month payment for the last several years as I was also carring for my adult son who is on social security XXXX. This letter came out of the blue as the first mortgage is current. I recently got a full-time job which is a miracle as I am XXXX years old and receive social security. I certainly can not pay the balance off. Third Federal refuses to return my calls. I make too much to qualify for help from Legal Aid but am unable to afford an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
settle my account with XXXX XXXX XXXX. Account no. XXXX for a XXXX XXXX XXXX The problem is that in my Experian credit history, the account says active and open.

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 2015-11-06
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We bought our home back in XXXX about two thousand and thweve and we had nothing but problem since we had it and from the start when we did get our home there was pose to be things done to it, which was the complete both outside of our mobile home was to be repair cause of siding was needed to be replace of which it was rotted out and we was told this would been done and also our complete roof would be replace and which this was not done either and also before we move in, when we look at our mobile home we saw that their was new complete appliances which was new kitchen stove and over the microwares, new dishwasher, there was a refrigerator in the home when we look at the place and also new complete washer and dryer to do your clothes and also we had to repair the kitchen faucets after we move in and this should not have happen and also the heater and air conditioning unit would not work and we had to call the repair man out which was many times to fixed it right and to this day it stills is not working so good and yes we have sent letters to our mortgage company many times and this was done before we move in and after and to this day and yes we had to replace the XXXX toilets in each of our bath rooms because we had water going all over the bathroom floors and we kept looking to see the place it was coming from and there was clacks on the side of both toilets and yes I or we did replace them at our cost and now when we had to take up the carpet in XXXX of our bath room we saw that the floors underneath is bad and now we are going to this day have to replace this of which we do have the materiel to do the job with which we had to buy these things to do it with and the labor we are doing it ourselves and also we found others problems and yes we sent letters showing al of this to the mortgage company and nothing done as to we had to replace all XXXX fans and light kits in both of our bedrooms and our dining area which was not working after we move in and yes we said something on this matter too and yes we have all of this in written form to our mortgage company and yes we have found few others problems too we did not know and to this day we have put out money of our pockets which we should not have or had too and no we did not buy this home as is and I know better than that because I been around all of this over the years and yes we asking for these things to be repair at no cost or money back to us on what we spend so far and other too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX XXXX XXXX XXXX reported I had no debt. they provifef ref # XXXX. Additionally, a VA Medical care copayment of {$500.00} was made XXXX @ XXXX on my XXXX XXXX czrd lastr XXXX XXXX. I have an e-mail from XXXX  XXXX XXXX, acting CEO of XXXX XXXX stating there is a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian continues to validate and obvious error on my credit file. XXXX companies are collecting on the same the debt at the same time. I have provided proof several times and I do n't know why they are n't fixing it or getting fined. They need to delete and fix this immediately. They are the only ones reporting these items and continuing to do so. They are in violation of the 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 2022-06-02
Company: EQUIFAX, INC.
State: MI
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 Account XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, anXXXX XXXX XXXX XXXX  XXXX Account Number # 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 c
an not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They sent me a bill for {$95.00} to pay the account in full. I logged into their website to pay this amount. I paid {$95.00} with a credit card. I discovered 17 days later that they actually drafted {$130.00} from my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: WI
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 submitted a dispute to Equifax on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from Equifax. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple 30, 60, 90,120, and 150 day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( XXXX XXXX  ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my FICO score has dropped XXXX points. I have received notice of adverse action on XXXX of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing Equifax offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
In XXXX of 2015 according to XXXX my account was closed out. Their attorneys continue to take money from me through XXXX County courts without XXXX consent. The law firm Finkelstein, Kern, Steinberg & Cunningham robbed me with Bank levies and garnishments after the case was closed and paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been harassed by this company when asked to show proof or information of the original creditor the company could not provide correct information. this has been going on since XXXX account # XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX all accounts are not correct. I told the company the debt they are attempting to collect are not mine. They continue to contact threw different mediums and now have a new company ( aidvantage ) to harass me. after i sent a cease and desist. They are also in violation on many laws. 15 usc 1692c, 15 1692g, i can continue below i have provided all the slips sent. during these time if you look at my consumer report they still sent false information which is also a violation of 15 usc 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
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:
This is an XXXX XXXX XXXX XXXX account that I once had and cancelled the services because I was having problems with it. When I called to speak with a representative they informed me a return equipment box would be sent to me. I was also told that if I return all of the equipment back to XXXX XXXX XXXX that I would not owe anything on this account. The day that I received the box, I packaged up all of the XXXX equipment and returned the all of the equipment back to XXXX XXXX XXXX. When I had done this I called them to let them know it was sent back and the representative told me that I would not owe anything.

Company response to consumer: Closed with explanation
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:
In 2012, we had XXXX and with in the same year we called them to cancel the service. We had way to many problems with the service working correctly and they did not seem to care if it was working or not. The day we called XXXX a representative informed us that we would receive a box so that we could ship back all of the XXXX equipment. We were also informed that we would not owe anything and they would be responsible for the shipping. XXXX turned this account over to a collection agency and then pulled it back and turned it over to a different collection agency. The collection agency representative that I talked with was very rude and telling me that we would be committing criminal charges if we do not pay this debt off in full. I do n't think this is an appropriate way to do business because I would not recommend XXXX to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XX/XX/2015, I received a demand letter for {$460.00} regarding a collection debt from EOS CCA. 

I am disputing this debt of {$460.00} because, it does not belong to me. This is a fraudulent account opened as a result of identity theft with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: AFNI INC.
State: MI
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:
There is an XXXX XXXX XXXX debt collection for {$550.00}. The debt is from a home I lived in with my parents when I was in high school. I have the same first and last name as my father. There must have been a mix up with tagging me with a collection that was intended for him. I never put any XXXX XXXX XXXX service under my name ever and especially not as an XXXX year old kid. 

If the company would logically look at the dates of the collection it makes no sense that it could be my debt. As I spoke to the collections agent he explained the debt was from XX/XX/XXXX. This was only a month after my XXXX birthday ( XX/XX/XXXX ). Even if I did open up XXXX XXXX XXXX cable service as an XXXX year old, there is no logical way that this much debt could have taken place in such a short time. 

It is a shame that such a simple mix up of XXXX " XXXX XXXX '' living under the same address, could be causing me so much credit pain. I have never had cable service with XXXX XXXX XXXX and this collection is being falsely charged under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been getting charged OD fees when my account does not go negative. I have called once and they refunded but it has happed 2 more times.

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 2016-08-25
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt collectionnagency never sent me any correspondence regarding this debt or have ever tried to.commicate with me regarding this debt. Per the fair debt collection practices.act, a collection agency is supposed to.contact the consumer as well as validate the.alledge debt. This collection agency has done neither and this debt has been reported to.the credit bureaus and this has negatively impacted my score. I never got a chance to.even try to make a payment on this account because i had no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
XXXX XXXX and I in XXXX 2016 came to a Settlement Agreement, at the time I was represented by an attorney. Additionally, XXXX XXXX, 2016 in the letters in the link I 'm providing you will see that XXXX hired XXXX agreement a 2nd law firm to collect on the debt. Why would XXXX XXXX do something so careless other than to harass and abuse me? 

Please know I am a XXXX citizen. 

The file is too large to attached to the CFPB portal so I have enclosed a link for all the details. XXXX I am requesting that this issue be investigated by the Special Investigations Unit of the CFPB. I am no longer represented by an attorney. 

Why would any company do such a thing other than to violate the FDCPA, RFDCPA, and a whole slew of other laws. Their intent is clear that they wish to harass the XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-10-19
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:
I signed up with services from XXXX and bundled my service with XXXX. During my set up the rep told me it was only a one year contract and that after my year contract I could cancel my services. During the year many issues arose from the billing and each month I had to call both companies to straighten out the bill. Each company was paid according to what they told me. After 15 months I canceled service and relocated to a new state. I have checked my credit report and I am being reported to XXXX different credit agencies from XXXX. Each CA has a different amount and contacting both CA 's and XXXX I have gotten no where. I would like some direction on what I can do to remove this from my report. AFNI has listed I owe {$290.00} and the second company XXXX XXXX listed that I owe {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Continental Finance Company, LLC
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I taught I was applying for a regular credit card, this turned out to be a scam. They issued me the card with a XXXX. XXXX dollar amount, but recevied the card with amount of XXXX after they toook a fee of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: NY
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX  # 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2016-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
experian reports XXXX enhanced recovery co, on my credit report.it is my only negative. 
experian and their furnisher refuse to report accurate and complete information.i believe this is the XXXX of multiple cfpb and experian investigations on this account within 2 months. 
todays report pulled on a 3rd party experian product displays in bold print the following untrue damaging information. " legally paid in full for less than the full balance '' the original amount is XXXX, I paid XXXX on XXXX/XXXX/16. I demand that the report reflect this recent payment/amount pd of XXXX AND THE ORIGINAL AMT OF XXXX. 
CREDITOR LETTERS ATTACHED THAT ADMIT THE ABOVE.you have been allowed much more than 30 days to report accurately according to FCRA ... THE ERRORS IN THIS INVESTIGATION AND THE PRIORS SEEM INTENTIONAL WHICH LEAD TO A MUCH MORE SERIOUS FCRA VIOLATION/PENALTY.

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 2022-10-17
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Multiple accounts were opened using my personal information. The fraudsters were able to have my mail forwarded to another state. Scammers used my info to open bank accounts and even obtained government funding. This has been a difficult process and a major set back financially. 

Ive attached a police report, and also an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX Account # XXXX, XXXX XXXX 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 written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation