BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, INC.
State: IL
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:
The accounts listed on my FTC Identity Theft affidavit are not mine. Please Block!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: Glasser and Glasser, PLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Yesterday, I received a notice from the XXXX XXXX XXXX XXXX XXXX, that an collection agency named Glasser and Glasser had filed a judgment against me for a supposed debt owed to XXXX XXXX. First of all, I have no debt with XXXX XXXX, and I contest the debt. But more importantly, I did not receive a notice of my right to dispute this account, prior to being served this notice. By not receiving a notice of right to dispute, Glasser and Glasser has violated my federal rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have requested an itemized validation of the debt because it is a hospital bill that I would like to know if I have already paid a portion of or that I didn't owe to begin with. I got one statement from them that had a one line total, date and who it was for, nothing else. Every time they call me, they ask for my date of birth, last four of SSN and my street address. They call from different numbers and I do not feel comfortable giving any of that info out. I have asked them to quit calling me while I am at work ( I XXXX XXXX XXXX ) and that they can reach me after XXXX XXXX, but not only do they continue to call, they called 2 hours after I told them not to call me at work. I have started paying down the smaller debt directly to the XXXX. These people are nasty and rude and I do not want to pay them anything. I have proof of my last three payments to the hospital ER.

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 2021-11-02
Company: EQUIFAX, INC.
State: IL
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 letters showing that my social security number is being used by a specific company to Equifax Credit bureau. I included my FTC report with details. Two accounts that were taken off my Equifax credit report were later added back onto my credit Equifax credit report because Equifax credit bureau claim the reporting agencies submitted a certification that the accounts belonged to me and were accurate. I have not seen anything from Equifax that proves this is my debt only a statement with no proof which I asked for proof, and have yet to get proof. 

Accounts XXXX/XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have 4 accounts with CIT bank since many years, On XX/XX/XXXX  I had problem accessing my account online, I called the customer service and they informed me that my accounts are in process of closing and some one will call me in 2 days without any reason given, I waited and called them on XX/XX/XXXX  they informed me that i will get response by mail, i received no response on XX/XX/XXXX  I called them again supervisor name XXXX XXXX XXXX said they are in process of closing the all accounts and it will take 10 days, they refused to give me further assistant. I have 4 accounts total amount totaling {$200000.00} approximatlly. I am senior citizen and need accessto to money and i am not able to get any assitant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 HAVE ACCOUNTS THAT I HAVE REPORTED AS FRAUD TO BE REMOVED FROM MY CREDIT REPORTS I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATLY.

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 2019-11-01
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXXXXXX 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 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 2019-11-01
Company: CarMax, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: BYL Collection Services
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Conn's, Inc.
State: OK
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 Looking at my credit report I notice that it is showing several late payments. These companies that are reporting late payments and do not have written consent to report this on my credit report according to 15 USC 1681b. Please have this corrected and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: NAVY FEDERAL CREDIT UNION
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: Old information reappears or never goes away

Complaint:
Navy Federal Credit Union I spoke with them about my credit score. The score they are reporting is much less than the credit bureaus and it does not change. Which they use to determine my credit limit. This is unfair and wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 Wells Fargo sent to me a notice informing me that they would delay the availability of the funds because THEY BELIEVED the CHECK MAY NOT BE PAID. 
Deposit date XX/XX/22 amount XXXX amount delayed XXXX which put my account XXXX in the negative. My account was placed on hold which affected my direct deposit not to mention the inconvenience. I have reached out to Wells Fargo multiple times with today being the most recent, only to be given the run around again and finally told that they couldn't process my claim.

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 2019-11-01
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On Monday my car was removed from my apartment complex when my mother called me to see if If I was home and where I had been all day.i am three months behind on my car note but have been more than six months last year behind on my car note and caught up this year due to my pending XXXX case in regards to my XXXX XXXX XXXX. I did call ally they told me I would not be able to get my vehicle back unless I paid over XXXX. I explained to them once again in all the times I had been late that I am pending an Ssa case and receive XXXX a month. I originally took out my loan in XX/XX/XXXX. In XX/XX/XXXX I was taken off of work and notified ally in XXXX and XXXX for an XXXX XXXX. I am in the process with my attorney XXXX XXXX filing my appeal XX/XX/XXXX for my Ssa claim. I lost my job and have been reviewing long term payments since XX/XX/XXXX and continued to catch my car up when I could and always when I have got my taxes as this company has refused to help me refinance. In XXXX of XXXX I was behind, they contacted my mother my father my cousin XXXX XXXX, my aunt XXXX XXXX as well as my cousin. XXXX XXXX to leave them messages for me to contact ally. Since when does ally get all my families information and why are they contacting cousins aunts and parents regarding my loan? This is illegal as they are not the consigned of my vehicle and they continue to call me and then call me mom whose number is listed on the XXXX. In XX/XX/XXXX my payments became long term and went through XXXX solutions of XXXX XXXX. During my pending XXXX case every time I have spoke to them they would add to back of my loan or I would have to catch it up as always. I receive XXXX a month and XXXX total after taxes are taken. Ive told them number kid times I was pending XXXX from XX/XX/XXXX to current and that after taxes I the XXXX a month yet they continue to not work with and now have my vehicle. I have told them that my federal student loans were waived and they continue to not refinance but even now call my moms phone or my dads but then get XXXX with me for a XXXX pending Ssa case. I do not feel it is fair and feel I have been violated since my local XXXX doesnt help clients with children to catch required vehicles items during a disbaility. I called preferred XXXX where I originally bought the car to see if I had XXXX insurance or gap. I spoke with XXXX who even agreed to help refinance my car for lower payments at the dealership I went to XXXX miles away.

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 2019-04-10
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company and or companies associated with XXXX XXXX XXXX and/or Midland Credit Management Company are attempting to garnish my wages for a defaulted judgment in the amount of XXXX that I have never received notification of. The company states the debt is with XXXX however, I have never had an XXXX phone or account nor did I sign any type of agreement stating that I did in fact owe this or even claim it was mine to begin with. In addition, I have requested the company provide evidence that this belongs to me and they have failed to do so. My employer received a summons and we both ( Company Representative and Myself ) must appear in court at the address listed on the court documents attached. Additionally, the records indicate that my previous employer had been served with the Writ of Garnishment however, this was never brought to my attention by my employer, nor have they delivered any such documents to my home of residence. The address contained in the court documents is not associated with me. Finally, this suit is Time-Barred pursuant to US CODE : TITLE 15 Chapter 41 Subsection II.

Additionally, on XX/XX/XXXX subsequent to learning about this garnishment, I contacted the company to later find that their name was MCMC or Midland Credit Management Company and asked for evidence of this matter. The woman, XXXX XXXX. XXXX provided login information of my account number and the last 4 of my social. When trying to use this information, the website says it is incorrect ; that said, I contend that said evidence does not exist and demand proof thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried to get Santander to verify this dept several times and I get no response. This dept is a vehicle that my deceased brother that worked at the car dealership signed my signature and my girlfriend at the time signature. Me nor my ex signed for this loan. This is badly hurting my credit as I am trying to get things in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was seeking to utilize this lender for a new mortgage as a first time home buyer. Due to inconsistent information provided to me regarding state statutes, state options, and inconsistent information as well as frivolous advised to me in writing and verbally, I decided not to use this lender, my credit was ran for a second time again without my knowledge on XX/XX/XXXX by the same company and yet on my credit report it lists the company as " MISC '' vs their name. There was no document/ release executed by me that would have been valid to have my credit ran again by this party, they are NOT my credit union. Please have this noted. The loan officers name was XXXX XXXX. 

This consumer also has not provided me with ALL written correspondence/transmissons ( EMAIL AND OR VIA REGULAR MAIL ) between their company and XXXX XXXX XXXX. I have asked to see any and all information and discussions that took place between this company, loan officer and any other employee within their company and XXXX XXXX. This information was requested due to inconsistencies of an approval, I was told verbally ( phone log shows call ) by employee XXXX XXXX on XX/XX/XXXX @ XXXX that I was conditionally approved but I needed to provide more documents, she emailed me the document request and I complied. The next day the loan officer XXXX XXXX called me ( phone log can confirm ) on XX/XX/XXXX ( next day ) @ XXXX and advised me I wasn't approved with a different reason which was never mentioned to me. I asked XXXX why would XXXX tell me I was approved less than 24 hours ago and now he tells me something different and if I was denied please send me XXXX XXXX official denial of what was sent to him, he advised that he would. As of today I have not received this information. I believe my request to XXXX XXXX for downpayment assistance for my first home was DELIBERATELY SABOTAGED by XXXX XXXX, I make this claim because since I first advised XXXX I wanted to use this entity he was totally against it from the start to the end. In order to rule out if this was true I request the names of the parties that XXXX XXXX and XXXX XXXX conversed with XXXX   XXXX, I also request any and all correspondence between the parties. I then was told I wasn't denied but I needed to provide more information to XXXX XXXX. Obviously you can understand now the reasoning I am now filing this complaint. In addition inconsistent " numbers '' being provided by the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I'm having heavy fraud. Noticing someone use my name in married form. I am single. I have no marriage in any state across the country or world. It should be XXXX XXXX XXXX anything else please run a report on both sides. I'm still without my finances and means to provide for my kids and myself.

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