BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, XXXX and Crown Asset Management threaten to sue me for a fraudulent debt and threaten to take everything i own if i do not pay them for the alleged debt. 
I contacted each compant and law firm asking them to do a proper investigation and they REFUSED. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers bearing my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. 
This is not my debt this is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

If you can not produce such proof and continue to violate me after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my court 's venue. You will have to travel to defend yourself in that scenario. 

Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required and NOT a computer printout. 

Since this is my final request, I will also be sending a copy of this letter to the Attorney Generals Office, Federal Trade Commission, XXXX XXXX XXXX, and The Federal Deposit Insurance Corporation ( FDIC ) notifying them that I have signed receipts for letters sent to you and you have ignored and not complied with my request.

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: GA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX FIN # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already notified Citibank and XXXX XXXX that this credit card was opened without my knowing. My now estranged wife had used my social security number behind my back to open multiple credit cards. She is con artist / serial defrauder and I have had to file for divorce because of this. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.

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 2021-04-16
Company: I.C. System, Inc.
State: KY
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 have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I reserve the right to file a lawsuit against your company for violating my consumer rights under the FDCPA Section 807-8 and FCRA Section 623-b. If required, I will sue your company for damages.

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 2021-12-30
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX AMOUNT OWED IS {$720.00} COLLECTIONS ACCOUNT DOES NOT BELONG TO ME, AND I DO NOT KNOW WHAT ADDRESS IS ASSOCIATED WITH THIS ACCOUNT FURTHERMORE, I HAVE REACHED OUT TO THE ORIGINAL CREDITOR AND COLLECTIONS AGENCY TO VALIDATE THE DEBT WITH DOCUMENTATION TO SUPPORT THEIR CLAIMS OR TO SEND OUT A FRAUD AFFIDAVIT AND HAVE YET TO RECEIVE ANYTHING IN WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX began garnishing my wages through my employer, XXXX XXXX XXXX on XX/XX/2019, with no prior notice for alleged student loan debt that I was under the impression was forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effectively immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX I don't have the account # s because these accounts do not belong too me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I spoke with several representatives regarding a late payment of 90 days to my account. The first rep advised they would fix the late payment after a dispute letter was mailed in showing where it was reporting. 2nd rep provided the same details and info on consolidation. 
To remedy the issue with them I entered in a Deferment/Forbearance for my student loan. This is the same type of agreement this company, Navient was recently sued for and had judgement awarded, but these are the only options available. I mailed in the dispute letter, however, have not received any written communication yet, but spoke with them. They advised they are declining the retraction of the late payment after advising me they would update and change. They even advised consolidating the loans after the late payment was removed. I am confused why they would advise this, not honor it, and proceed to report the account in various ways on my credit reports. 
My concern is that as a consumer my rights are being violated by the account reporting differently with each major credit bureau. There are many inconsistencies with the account on each bureau including the addition of the late payment. The account shows closed with one bureau, open with another and recently reported as of XX/XX/22. 
As a consumer, my rights are clearly being violated. It is my right to have fair, accurate information reporting on my credit reports. The information Navient is reporting is inaccurate and has been causing harm to me for the past seven months. Please advise on next steps. I really need help resolving this matter. It is hindering me from moving into a place, purchasing a vehicle and so many other important things to survival. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt XXXX  XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-30
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Nelnet XXXX XXXX XXXX XXXX, NE XXXX To Whom It May Concern : I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report : DEPT OF ED/NELNET account # XXXX XXXXXXXX, # XXXX  XXXX, # XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX Nelnet is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a XXXX balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

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 2021-12-16
Company: EQUIFAX, INC.
State: IL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband deposited two of my commission checks at the counter at TD Bank in XXXX ( XXXX XXXX XXXX XXXX ) yesterday ( XX/XX/XXXX ). I have deposited checks from my employer many times since XXXX of XXXX and most of them have been a large amount as they are commission checks from real estate closings. I also have deposited checks into my account that has been overdrawn. Never have I had to wait more than 2-3 business days for the checks to be available in my account. 

We are a small family that has been barely keeping our heads above water since covid. I was finally starting to feel like we were catching up and the bank throws this at us! They stated that I WILL be charged the daily overdraft fee. I feel like the bank is cheating just to get their daily {$35.00} out of us. I have had to stop payments that are scheduled for tomorrow and early next week. 

The weird things : -They told my husband to sign the checks even though his name is not on them. ( His name is on the account so their shouldn't be an issue with him depositing it! ) -When I called the bank this morning ( not sure which branch, I was on the way to work and told XXXX XXXX call TD bank ) I was told by one person that the reasoning for the 6 day hold is because the account is currently over drafted. 
-I was then told by the branch that deposited the check ( I called after arriving to work and was able to call the correct branch ) that it is being held because of their new policy with large check deposits, though they could not tell me what amount constitutes as a " large deposit ''. 
-When I was forwarded to " a manager or customer service '' I was left on hold for 8 minutes and then the call disconnected. 
-I have called back multiple times today to at least get a copy of the " new policy '' and the phone just rings and rings and then comes up with a prompt saying " Store XXXX is unavailable to answer at this time '' then it continues to ring. This is the same phone number I used to call the second time and spoke with someone right away, are they ignoring my phone number? 
-I can not find in my emails, mail, or online this new policy they mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX, I had filed a complaint a few years ago I was the victim of fraud and I had to get my ID security PIN from the credit bureaus. I recently discovered some of the same issues this year I need the following unrecognized address removed from my credit file I believe they are attached to some fraudulent activities from the past I need them deleted immediately as soon as possible. I am in the middle of buying my home and it is causing some verification issues. 
Please delete the following addresses : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also found issues with my name being spelled wrong my correct spelling is XXXX XXXX XXXX please delete any variation or misspellings of my name.

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 2023-11-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I used Citizen 's Bank 's automated system to check the balance in my checking account ending in XXXX and savings account ending in XXXX and noticed that {$5000.00} was suddenly missing. My access to online banking was also deactivated. After calling customer service I was told that the bank had placed a {$2600.00} hold on my checking account and {$1200.00} hold on my savings account as they were reviewing my account. I called the local branch the next day and was told the same thing and that the fraud department wasn't giving them further information. Between XX/XX/XXXX and XX/XX/2021, I had received various bank to bank funds transfers to my checking account organized by two third parties with the intention of having me send the money to others as bitcoin. One of the parties was my employer and the other was my partner. I had withdrawn and sent out all the money from these funds transfers. I knew the entities I sent the funds to and was not being scammed. 

I informed customer service I would take legal action against the bank if the funds were not returned to me. They promised me the Office of the Chairman would contact me within 2 business days at my phone number which I provided them. But I never received a call.

I contacted customer service again several times through online chat, text, and phone call to try to find out what would happen to the funds on hold. Customer service on chat told me that on XX/XX/XXXX the holds would be removed and my accounts would be credited for the funds and there was nothing to indicate the funds would be returned to their senders or my accounts closed. 
I was also told by customer service over online messenger that the Office of the Chairman had attempted to call me but my number was not in service. I provided them the number to my other phone. 

On XX/XX/XXXX I noticed my checking account information did not generate information on the automated phone system. I called customer service and was told my accounts had been closed. They had done so without notifying me. Customer service could see nothing in the accounts about the holds. But one agent called various departments and told me that the money in my accounts that had been placed on hold would be sent to mailed by check on the XXXX. 

On XX/XX/XXXX I called the customer service again and they transferred me to a supervisor who could not confirm if I would be issued a check. I called my branch and the banker told me that the funds had been returned to the senders. So now I am short of the {$4000.00} I withdrew and sent after receiving these funds transfers. I am unable to contact the senders to ask them to reissue the funds to me.

Company response to consumer: Closed with explanation