BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Well my identity has been stolen by one of my family members for over 15 years. My social security number has been used several of times and has made my life miserable! I do not if you can find out where the fraud disappeared too then that wold be great! All I can say is when I moved to XXXX  XXXX  to leave XXXX XXXX, I had applied an application to an apartment complex and as they ran my credit check they had seen that there was a bankruptcy report. I sighed and shook my head and first thing that popped into my mind was my father. Some how, some way or another his credit faults fell into my credit and social security number. I couldnt believe it. And there were other things as well on my credit where he tried getting loans out on my social security number. Well I had to explain to the lady that I have never owned a mobile home and that was my fathers! What is so cruel is that we have the same exact name except I am an the XXXX  and He is XXXX. XXXX XXXX XXXX XXXX is me and his is XXXX XXXX XXXX XXXX Long story short I havent took it into consideration. After all that was discovered I asked if I could call my father so maybe he can show you the lease and his signature. All and all he faxed all the necessary paper work to the apartment complex office and it was all resolved. I was just wondering if there was any action to take place? Since it was identity fraud. Thank you and hope to hear from you. I also do not know if who he was dealing with at the time to had put my social in and everything else and for it to show up on my credit and probably affect me for the rest of my living duration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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. This is my XXXX complaint that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original debt about 12 years old. But every time I complain to XXXX that this debt is too old to be on my credit report, they change the open date. XX/XX/XXXX they changed it to XX/XX/XXXX now it 's at XX/XX/XXXX as the date it was originally opened. However, this debt has been on XXXX report for well over 10 years. I want it removed and the company to stop Lying about the open date.

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 2017-05-24
Company: BB&T CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a dispute letter to  XXXX    XXXX   which was signed for on  XXXX / XXXX /   17  due to having the wrong amount owed. I received a letter back from them dated  XXXX / XXXX / 17  in which the correct information was showing but was not what was reported to the credit bureaus by them. I Sent them a new letter which they signed for on  XXXX / XXXX / 17  asking them to remove this item from my credit report due to FCRA section  623 ( a ) ( 3 ) and FDCP 807 ( 8 ). In which they never marked this item as disputed within the 30day  period. They proceeded to send me a letter dated  XXXX / XXXX / 17  stating they would mark it dispute. However, this is not Within the parameters of these laws.

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 2016-07-14
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
judgement has been settled and want the credit bureau to report the judgement and the account as settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom it may concern ... my name is XXXX XXXX ... my family and I have recently been affected by the COVID 19 pandemic, not in a health way ... however in a workforce way ... we have been laid off by our employers in XXXX and have absolutely XXXX income coming into the household right now. I understand the importance of keeping up with my payments and bills however I have the following outstanding accounts right now : MIDLANDCRE for {$2300.00} I am currently in no position to be able to pay back these creditors, as my family and I do not know how long the quarantine will last. All I am asking for is help, relief, sympathy and understanding to be able to get these items removed off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me at work XXXX or XXXX times daily. My coworkers know what company I owe now because their number shows up so much on the phone. When they call they are very threatening and aggresive. They already have taken me to court and have a judgment to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-03-28
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a request to verify the debt and received zero proof of the debt validation. I do NOT have a contract with Plaza Services nor have I ever done business with their institution. I do not owe this debt. Plaza Services has failed to comply with the FTC and has violated my rights as a consumer. I want Plaza Services to remove their information from credit reporting agencies as the information is false and affecting me negatively. Again this is a violation of the FTC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
I have contact ed Exeter Finance sev eral times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  Exeter Finance ha s refused to remove these inaccurate reporting on my credit file with  XXXX ,  XXXX , and  XXXX . This account was paid in full on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is trying to collect for equipment that was returned

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 2016-06-09
Company: COMMERCE BANK
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I took a hardship withdrawal from my XXXX account and the funds were sent via ACH from XXXX XXXX XXXX to Commerce Bank. Commerce returned the check when funds were available causing an additional hardship as the monies were for repairs on our home and medical expenses. ACH received on XX/XX/XXXX, Check presented on XX/XX/XXXX and returned the check on XX/XX/XXXX. My wife returned early from being with our son in North Carolina and I returned early from a business meeting in XXXX as a result of this check for {$21000.00} being returned. 
A call was placed into Commerce on XX/XX/XXXX to the personal banker, no reply. No letters or information has been shared previously indicating that our account was subject to any set off, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: DFC Global Corp.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a small online payday loan fr om Money Mart ,  X/XX/2017   . Ive done business with them in the past, and paid my small loans. I was approved, not " preapproved '', for {$150.00} . Money mart w anted source of income, Social Security  XXXX   XXXX   XXXX  Statements, and a government ID. They wanted me to fax or upload it to their site. I could not, so I took it to their store at,  XXXX   XXXX   XXXX ,  XXXX . CA.  XXXX , the next day. I TOLD the clerk I was approved online and could not, upload the forms. I gave her copies, I showed her I ad already been approved. She went through the motions of processing a new loan, i thought she was going o email or fax the papers to the online service. She gave me a paper, that said the loan was denied, because, I had one being processed. I TOLD her that, she knew it was going to be denied, she seemed to be doing some type of fraud. She said she could fax or call them, but she was doing irregular business processing so I left. I informed the company, someone named "  XXXX  '', that appeared to be covering the clerk lied, and said the clerk cancelled the online loan. She can [ t and that does n't make since.She kept copies of my papers. I think hey may have been trying to do fraud on some of my family 's properties, I have identity-theft. I think a bad group or gang bought this store a year ago, it is no longer credible.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 tried to get these accts off my report. I am not the one trying to get credit cards or loans. This is fraud and none of the credit companies will help

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 2022-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was behind on payments for my mortgage and my credit cards. I borrowed some money from friends to help pay my mortgage and once the money was deposited Navy Federal took the money and applied it to my credit card. I called and told them that the money that was deposited in my checking account was to help pay for my mortgage not my credit card and asked them to apply the funds to my mortgage. They refused to and said they have the right to apply any money in my account to the debt of their choice and that I agreed to that when getting a credit card with them. This left me still behind on my mortgage and about {$400.00} of my money going to an inactive credit card that is closed. I would like my money transferred to my mortgage as it was intended to be or refunded back to me. Paying my mortgage and keeping a roof over me and my children 's head is more important than a closed credit card account. I feel navy federal is participating in unfair debt collecting. Even after taking my money and applying it to an account that I told them not to they never even sent me a receipt or payment confirmation or any proof of where my money went or any remaining balance. They just took it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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: Account status incorrect

Complaint:
There are late payments on my report that is causing me hardships and stress. I am DEMANDING you to remove these illegal late payments under 15 U.S Code 1666b ( Correction of billing error ) you are illegally reporting transactions on my consumer report. According to 15 U.S. Code 1681b, permission is needed to report on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account in Chase had an unauthorized withdrawal of {$2000.00} on XXXX.It was an over state withdrawal since it occurred in Colorado but I lived in Texas and did not travel there. I called Chase 5-6 times and went to a local branch 5 times since no one from chase followed the fraudulent and provided any guidance what I need to do. Everytime I called in to check the status they will tell you they need a new item. So in order to change account number, submit the forgery packet, driver license copy and police report, I went a local branch 5 times. After 13 days waiting, I finally got my {$2000.00} back. But the worst thing is although I changed account number, on XX/XX/, exactly same thing happened again in my chase account. My account was withdrawn another {$1900.00}. Only difference is this time the withdrawal was in New York. I already filed a claim and reported to police, but I was so disappointed that chase did not do anything to improve the security level of my account since they already know I am a victim of identity theft and it is a cross state withdrawal again. Looks no fraud detection model is running in the branches and the fraudulent detection training to the front desk employees is very lacked.

Company response to consumer: Closed with monetary relief