BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: FL
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:
I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Strategic Alliances, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated calls with the intent to harass. This company is calling about a debt I don't know or owe. Requested proof of debt, never received. They reported the debt to my credit report tarnishing my report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email on XX/XX/05 from Dynamic Recovery Solutions regarding a debt that DOESN'T belong to me nor have I ever heard of. I do not owe this debt at all. I have never heard of them, nor the creditor. I don't appreciate them emailing me or contacting me trying collect on a debt that DOESN'T belong to me or anyone in my household. I am a victim of fraud and have been for over 10 years. I typically keep my police report up to date and I have fraud alerts all over my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX This company I have spoken too repeatedly about this bill explaining that my employer- XXXX  XXXX  of XXXX  Workmans Comp division is who the payment party should have been as I was hurt on the job at XXXX XXXXXXXX XXXX XXXX  while in XXXX XXXX employ. This was over 2.5 years ago. 

They referred the bill to GLA COLLECT of XXXX  # XXXX phone XXXX. My credit has been harmed over bill I did not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Purchased home that was forclosed twice directly from  Ditech  in  XXXX  I  was told all  XXXX  and  XXXX  taxes and home owners fees would be paid by them since i wasnt living there when the fees occured. And I would only be liable for  XXXX  Hoa and taxes. I recieved a letter from  the Home owners Association i n  XXXX  stating the  XXXX  was n't paid and a lien could be put on my home.I contacted ditech and ask why they didnt pay the  XXXX   Hoa  fees and did the  XXXX  taxes come out my escrow. Causing additional shortages in my escrow account in my previous complaint. Its been  two  months still no answers.My payment went up {$300.00} from escrow errors .This company constantly makes mistakes and hold the consumer responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Each year, I request my free credit report from each of the three Credit Bureaus. I do this on-line. XXXX XXXX and XXXX are very responsive. However, EVERY year Equifax takes all of my information and then says that they can't verify my identity and force me to submit a written request with LOTS of backup documentation. I have even established an account with Equifax which I managed to use a couple of times to create a " freeze ''. Now, I can no longer log in to that account to try to get my free Credit Report. They even advertise that they will automatically send a free credit report annually to account holders. They don't. 
I have told their customer service of these issues and I get no help. 
My most recent try was XX/XX/XXXX. 
The last time that I successfully got a credit report from Equifax was XXXX. 
They need to clean up their on-line responsiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Card number ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Texas  XXXX  Las t 4  of SS #  XXXX  I am reporting a matter that I am having with Regions Bank. I was scammed by a company claiming to provide work from home services but the program is not legitimate. I informed the bank and they are refusing to honor a legitimate claim.     (  1 )    XXXX   XXXX    XXXX  {$7.00 } ( 2 )    XXXX   XXXX    XXXX  {$19.00 } I need t hese funds returned at once. Please assist me in this matter.

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 2021-06-10
Company: ACIMA CREDIT, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXXXXXX  Account Number : XXXX** This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

6. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX** This is not mine.

7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Brown Olcott, PLLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX Brown Olcott , PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Made an inquiry for collection of a debt. 
I called on XX/XX/XXXX and left a message along with the case # XXXX for bankruptcy for them to remove the inquiry. 
It is still on reports.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX we got a mobile notification that the balance on our checking account is low, but we were not using this account. Later we learned that someone in Massachusetts, came to a Bank of America branch ( we live in Florida ) and was able to withdraw money from our account, using a teller, not the ATM. Then the same day 2 fraudulent check were cashed in our name as well, the next day one more cashed check appeared on the account and the next day there was another check cashed from our Savings account at the same branch. We never received any security phone call or verification call from the bank making sure that transactions are done by us, they basically granted a thief full access to our accounts and let them walk out with the money. All the checks were in the same amount, made out to my husband 's name, from 2 different people. all of them had the same handwriting on them. We reported this immediately to the Bank of America fraud department, they opened a case. XX/XX/XXXX I also called that branch in Massachusetts and spoke with the manager requesting a video surveillance from the day of the incident, that might have shown us them some leads, they refused to provide it to me, saying this belongs to the bank of america and their fraud department will address it. since then we followed up with them 3 or 4 times, requesting a call back or email with updates on the case, but never received any updates. Every time we call, their customer service people are rude and not helpful and unable to provide us with any useful information. The money has not been returned to us as of XX/XX/XXXX, in fact, the latest conversation I had with Bank of America fraud department representative, they said they were unable to provide us with " temporary credit '' for the amount stolen, after I asked why was this called " temporary '' they suggested that if the case is not resolved in our favor we will have to pay them back the money. How can the case be Not resolved in our favor? Our understanding is clear and logical : we had our money in the bank, bank is responsible to keeping our money safe and secure, if someone steals the money from the bank, and we are affected, they should take complete responsibility, and do everything to accommodate us in this situation, show the best customer service and return us the money they failed to keep safe for us. Non of this has been done by Bank of America corporation, there has been zero attempts to reach out to us and fix the situation by the bank, even after I placed a verbal request to expedite the process of investigation. I hope doing it through CFPB will bring more results and help resolve this disappointing experience with the Bank of America.

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 2021-10-30
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Affirm XXXX Inc. has contacted several times via email using profane and obscene language to collect debts for three accounts. In their emails they have included I missed a payment, failure to make the payment may affect my eligibility to use Affirm in the future, and they were going to contact a third party collection agency to obtain the payment. I have emails from XX/XX/XXXX in the amount of {$17.00}, XX/XX/XXXX in the amount of {$34.00}, XX/XX/XXXX in the amount of {$34.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$130.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, and XX/XX/XXXX in the amount of {$45.00}. 

I did follow up with the company XX/XX/XXXX and they report back the debt was verified. I responded back in XX/XX/XXXX and asked who did they speak with to verify the debt because I know by law they can only speak to me and Im the only one who can verify a debt and they responded again without specifics and said the debt is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have old Debts that I personally dispute and do NOT remember as well as the fact all three of these debts listed on my Credit Report are beyond the 4 years " Statute of Limitations '' in the State of Texas. I have attempted several times over the past year to Dispute these Debts claimed as accounts with the XXXX XXXX XXXX right here in XXXX Texas. However, I feel they must be violating my rights by not taking action to follow thru with my Dispute and the three items {$510.00}, {$500.00} ( Strangely Alike amounts from same Original Company as if charged twice ) and {$71.00}. I 'm making this official complaint against the XXXX XXXX XXXX and would like to resolve the issue about these three Old Debts and have the information removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello There's a debt collection company, " Account Resolution Services '' The collection agency is violating State Licensing Requirements ( FLA. ) They have also reported a debt on my record that does not belong to 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 2017-06-20
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with AFNI. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt so reporting it on my credit is illegal. I am attempted to delete this debt with AFNI with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Account XXXX AES American Education Services I  called when I first starting getting bills from this Company that stopped billing over 5 years ago ; due to my co-signer being in bankruptcy. This caused them to capitalize over {$4000.00} in interest without ever reaching out to me to make payments on this student loan. At this point in time I just had a baby in XXXX 2016 and I have a medical bill and I asked that the {$210.00} payment be modified to half of the {$210.00}. They made me fill out paperwork and it took over 2 months to complete as they do not respond to questions - I sent paperwork via email and via ax and still took over 10 days to process. I think they have customer service issues due to these delays and then they denied request - due to insufficient income ( really ) I told them I needed a modification and I disagreed with the capitalizing of interest with no attempt to contact ME while co-signer was in bankruptcy. I would like the interest that was capitalized reversed and I would like a payment modification for at least the next 12-24 months ; in addition speak to the modification people to understand how this works and why they have such limited abilities to accommodate struggling times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In  XXXX     2012  I was involved in a car accident.  XXXX   (   XXXX   XXXX   XXXX   ) a dvised that they offered a free consultation to accident victims. I went by the office and spoke with the receptionist but never returned to have treatment started. After several years, I noticed a charge of {$320.00} on my credit report from  Collection Services of Athens. I co ntacted the company several times and told them I never received services and asked for a breakdown of the services I allegedly received and they have never produced that information.  <P/> The  XXXX  center is no longer open and I am unable to get any assistance. I should not be charged for services I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Back in  XXXX  of  2016  I was a victim of  XXXX   XXXX  and suffered power outage for a week as well as property damage that caused a financial hardship. I contacted Navy Federal Credit Union for assistance and was provided " assistance " with payment forgiveness, which I later found out was not handled correctly in accordance to their disaster relief polices and subsequently was further impacted due to the mishandling/misinformation provided and ultimately lead to my credit report being impacted. Since then I have called numerous times as well as submitted hardship documentation through their online website in an attempt to reconcile the accounts in question and prevent them from continuing to fall past due. The Specialis ts at Navy Federal have provided me misleading information as well as have not followed up with me as promised on multiple occasions. I  have asked to be contacted by what they call their " personal finance management " team and promised a call back on several occasions and have to this date not received any follow ups yet I get collection calls daily. Please look into this matter, I can be contacted at  XXXX  and my name is  XXXX    XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2019 I disputed a debt placed by Online information services. XX/XX/2019 Equifax closed the dispute verifying the debt. The debt is not in question. The debt is fromXX/XX/XXXX, XXXX. I haven't lived in XXXX since XXXX, I live in XXXX, so how could I have an electric bill in XXXX? My credit report shows I just incurred this debt ( I already paid it. XXXX) It was a billing error I thought was corrected. It was bought by Online Information services and reported as a NEW debt. This is called "reaging" a debt. It is highly illegal to report old debt as new. Equifax obviously has no regard for Consumer Reporting Protection Act.I have attached my drivers license as proof I live in XXXX and have since XXXX. No way could I have incurred an electric bill in XXXX in XXXX

Company response to consumer: Closed with explanation