BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: LA
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 Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 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. 

Equifax and XXXX is not following the ( FAIR CREDIT REPORTING ACT ) they do not want to remove these inaccurate accounts. The attachments Im submitting to you are from XXXX following the ( Fair CREDIT REPORTING ACT ) showing you that they Delete the inaccurate Accunts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/XXXX at a XXXX ATM a withdrawal transaction for the amount of {$200.00} took place without my authorization. A police report was filed at the police department located at XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX in which I was given a case number : XXXX. 
The police report was presented to Regions Bank to initiate an investigation in which it was concluded that the transaction was normal, that my card was used with my pin, which is FALSE. 
I then proceeded to the bank and was told that I should initiate my own investigation, which is very frustrating because if I do not show evidence of my own, the case will not be reopened. The bank does not want to help with the investigation to determine who obtained access to my personal information. The bank, I repeat, does not want to help me, so I come to you to solve this problem.

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
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: CA
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:
All complaints are in regards to Navient. 
- Navient does n't process my payments correctly, resulting ( only sometimes ) in late fees. But always in annoying XXXX wake up calls from their automated system. The payments are made the same way every month, automatically. There 's no reason some payments are n't processed. 
- Occasionally, XXXX ( the platform I use to pay my bills ) will be triggered by Navient to prompt me into entering a specific address to send my particular payment to, in order for it to process correctly. There is a list of XXXX some odd addresses to choose from, and all of them are similar. ( Eg : XXXX XXXX XXXX XXXX XXXX, XXXX MA / XXXX XXXX XXXX XXXX XXXX, XXXX, MA / XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA / ETC ) This is deliberately deceptive, and clearly done in an attempt to mislead people from being able to make their montly loan payment properly. Additionally, the " correct '' address is only available if you have a physical Navient bill in hand. That information is not available on the website. 

- At some point my loans were consolidated and split again. As such I make two payments to Navient each month. XXXX loan is only for a few hundred dollars, on which they charge me a {$12.00} " convenience fee '' to pay them at all. So the charge to pay down a {$900.00} loan in their system involves paying a recurring {$12.00} fee each month for no reason. A fee I also pay when I make my other loan payment. 

That seem right to you?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have tried to remove wrong personal information on my credit file with XXXX and it has not been removed. 

15 USC 1681. I did not give anyone written permission to use my personal information on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: NY
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:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a credit score of XXXX in XX/XX/XXXX then all of a sudden it dropped in the XXXX due to a tax lien from XX/XX/XXXX of {$170.00} which shows paid. I never received anything about a tax lien from anyone. My taxes and insurance were being paid by my mortgage company. If this happened in XX/XX/XXXX why all of a sudden is it on my report? I would like it taken off my report immediately. Thank you for your assistance

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 2015-10-09
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
After I paid my credit card in full before the due date the bank still charged me interest saying it was due to the amount was for covering my bank account being short. I had already paid a {$15.00} fee. I believe that is unfair if the bill is paid before the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2021, I visited the TD Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I asked for the first 6 months of statements after my account opening. The branch employee I spoke to did not disclose the {$140.00} research fee. 

Once I found out about the fee, I didn't know what it was, so I called the TD Bank Call Center and spoke to a supervisor. The supervisor informed me that there is no way to escalate the call and there is no department to forward the complaints to ( everything on the line was recorded ). The call center supervisor informed me that I have to visit the branch to have the fees removed, even after I told the supervisor that didn't feel comfortable visiting that branch due to prior past negative experiences ( actually she told me that she would call in me in two days, but I never received a phone call ). 

On XX/XX/XXXX, I visited the branch directly and told them my issue. The employee said that it was a fee assessed by Corporate and that it wasn't her job to fix, and I told the employee that it was her job to disclose the fee to which she did not respond. 

I also feel that because I am an immigrant struggling with XXXX as a Second Language, I am viewed as vulnerable or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-18
Company: EOS Holdings, Inc.
State: MO
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:
EOS CCA is harassing me and engaging in unlawful collection practices. This debt is being sold to many different companies after I have told the original debt holder almost 10 years ago that this debt was not mine. The current debt holder has falsified the records to make it appear that the debt is 6 years old when it is older. I also told this debt collector that this debt was not mine and to cease and desist all contact in writing and EOS CCA has not complied. This must stop. 

EOS CCA CORPORATE HEADQUARTERS XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Managing Directors XXXX XXXX XXXX ( CEO )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Below are listed the hard inquiries listed not once but more then once. I have rights and to my fair credit reporting act they Need to show me proof as to where I signed an have copy of my license to prove it was me to run my credit. They not only did it once they have ran my credit multiple times at different months. I am not happy an tried my best to fix issue on my own but I need help. I want proof I allowed these companys to run my credit. My rights are being violated. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2022-04-19
Company: CCS Financial Services, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX XXXX which is incorrect. As stated prior I have NEVER had insurance with XXXX  insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted XXXX to discontinue internet service on XXXX/XXXX/16. I was told at that time I had a credit balance of just over {$77.00} and would receive a check in approximately 4-6 weeks. I turned in equipment to the XXXX XXXX office in XXXX TN on XXXX/XXXX/16. When I asked the lady who I turned the equipment in to if I had any outstanding balance, she said I had a {$77.00} credit and should receive a check in 4-6 weeks. I was shocked when I received a call from Afni Inc on XXXX/XXXX/16 saying they were trying to collect a debt from XXXX for {$32.00}. i have contacted XXXX twice already to get an explanation of why my account was 1 ) turned over to a collection agency when I had been told through two different XXXX resources that I had a credit balance ; 2 ) had an autopay on my account so that any outstanding balance due on my account should be charged to the credit card I had set up and had used for an extended period of time while I had service with XXXX. This is the second time I have had issue with XXXX either charging for services not received or turning a balance over to a collection agency when either no debt was owed or any balance due was misrepresented by XXXX representatives. Neither of the XXXX representatives have responded as to why my autopay method was not used if there truly was an outstanding balance after I was told by two resources of having a credit balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Called 4 times to resolve the issue ... I 'm not denying that the info is mine. This is a case where I was in car accident in which I was not at fault. I have XXXX insurances and car insurance. While trying to contact the car insurance, I decided to strike up a payment plan that I could afford so that the claim would not end up on my credit report. The CSR from this place is incredibly intimidating and they refused to take the monies that I can afford right now. I got hung up on the 3rd call! They kept saying that I 'm refusing to pay but I 'm not! I 'm just paying what I can afford!! They asked me for the amounts of my personal bills and basically told me I can afford more than what I 'm offering. I was even advised to take out a loan because the loan people probably would work better than me than what they will do. I have every conversation recorded ( except the first ). I 'm upset because it 's not like I do n't want to resolve this but, apparently what I can do is n't good enough and therefore I was threatened that they will put this on my credit report. I spoke with the original creditors and they tried to help as much as they could but it 's out of their hands. ( ( We got to this point because the original creditors failed to put down my XXXX health insurances and they only filed XXXX which left with a balance ... I never received a bill but now I 'm stuck dealing with these rude collection people. )

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 2016-08-12
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Threatened to serve papers at my residence or at work. They would not answer any of my questions that I asked. Name of company was Alternitive Dispute resolutions XXXX Texas phone number XXXX XXXX XXXX. I had never heard of the payday loan company and after contacting a lawyer he informed me it is a scam and I needed to report them to you.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-28
Company: Riverwalk Financial Corporation
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I had been incarcerated from XXXX until XXXX so there was no way I could pay this debt when it happened. The company that 's trying to get the payments is Deville Asset Management XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have a credit card debt with XXXX for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX XXXX Account Resolution associates with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by XXXX. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. 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 2016-07-15
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
REGIONS BANK : On XXXX XXXX, I deposited {$540.00} cash into an ATM, the ATM had an error and told me to remove my cash and try again later, but the machine just kept making a noise and never gave the cash back. So, I deposited another {$5.00} hoping it would fix the issue, but the same thing happened. I called hysterical ( it was a Saturday and the branch was closed ) and the CS rep assured me after filing a claim I would be credited my money and I was on XXXX XXXX. He said a tech would have to go balance the ATM and then they would return my money. On XXXX XXXX, the money was deducted from my account, making me have overdrawals. I stayed on the phone for over an hour and was only told that it looked like the ATM balanced after all, so I visited the branch. I asked for surveillance video or even a copy of the phone call from that Saturday, XXXX XXXX because the CS said he saw where XXXX transactions were attempted and he knew the amounts without me telling him. At the branch today, XXXX XXXX, they said they can only see back 30 days, so they can not view those attempted transactions and they looked at me like I was crazy when I asked for the video or phone recording. So, here I am over one month later with an overdrawn account and nobody can figure it out. They said maybe the CS from XXXX XXXX noted the wrong ATM and the wrong one was checked. In that case, why could n't the branch where the deposit was made check their audit and see that the ATM was over by the amount of my deposit??? I NEED MY MONEY BACK

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
Consumer complaint received 2017-04-05
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle in XX/XX/XXXX had a total loss claim on the vehicle in XX/XX/XXXX XXXX paid the company whatever the car was worth. However the car company stated since I was at fault I was responsible for paying the {$500.00} the insurance company subtracted from the total loss check. I paid the balance in full in increments to the car company and they reported that I was a charge off on my credit report which is not true. I received a paid in full letter and a letter from their lawyer saying that my credit report would be updated to reflect accurate information. I have since seen my credit report be updated to charge off on as current as XX/XX/XXXX. This information is inaccurate and I need this taken off my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My wages are currently in the process of being garnished for a credit card bill that was 1. charged off by the original creditor XXXX, 2. I have no signed contract with Midland Credit Management , Inc., 3. my rights under the Fair Debt Collections Practices Act and the California the statue of limitations is being violated and has passed on this account. 
I have attached information for your review. If any additional information is required please contact me.

Company response to consumer: Closed with explanation