vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have repeatedly asked Experian for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports. 

Experian states that these companies had a permissible purpose but have not provided me with any documents showing so. 

I need to know the name of the person from each of the companies that received my credit reports from Experian and for what permissible purpose as well as all documentation Experian received to give these companies access to my credit reports. I am also requesting the name of the person from Experian that provided my reports to these companies. I need to see documentation on all inquires listed on my Experian credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. Experian ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to Experian making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint. 

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that Experian delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with Experian as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

Thank you in advance for your handling of this matter. 

A copy of this complaint will be sent to the FTC, California AG, New York AG, The XXXX and my legal counsel.

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 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This credit card account is not mine. I have contacted the original creditor XXXX XXXX and the collection agency handling the account. they said it was opened on line, they are unable to provide me with any signed contracts regarding this or validate the debt. I have never even heard of this company. They have now sent it to the credit bureau and said Im responsible for the debt. I dont understand how they can hold me liable for a debt that is not mine? It is fraudulent or they have made a mistake somewhere within their company either way this is not my debt. I want them to remove the debt from my credit report and seize any further collection attempts toward me and stop credit reporting regarding this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear sir or madam, XXXX XXXX has sold off this account to XXXX XXXX. I had already paid XXXX XXXX and the account is statisfied. Since XXXX written off and sold my debt, My contract with them is no longer active, so No contract with XXXX. They need to delete this from my credit report. Equifax need to deleted XXXX XXXX  off my account too.

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
As of 2016, I have been trying to clean up my credit report and there is still have been fraud information and lots of inquiries. I have had a hard time trying to connect with experian. It does not let you speak to person like the other creditors do but it is hard to l let them know that the information needs to be taken off so that my score can be corrected. I have also sent a police report to let them know that whoever it is has stolen my identity and I have a fraud alert on my account. So why are these inquiries still on my credit report? I have called the experian phone number but like I said it will not let you speak to a live person to discuss these issues. The phone number to which they gave me was XXXX. It does not work and I can not talk to alive person.

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 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX keeps calling ALL of my phone numbers, then continues to call after I tell them XXXX XXXX is not at this number, and then LIES and says they aren't calling. I have them on voicemail. XXXX XXXX leaving VERY THREATENING messages, but she won't answer the phone when you call back. NASTY FILTHY COMPANY full of LIARS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
I had XXXX XXXX in XX/XX/XXXX. To remove the XXXX  I had XXXX   but I believe most of this debt is from that and a little from some XXXX work I had shortly after the XXXX. I admit to both of these debts and realize its my fault for being at the point I am at now. After the XXXX and XXXX  work I had to miss over 10 weeks of work last year and occurred more medical expenses at that point for my treatment which I also still owe on and is still accruing. I am asking for some human factor from the firm and stopping the wage garnishment. I took out a loan on my 401k, which is now maxed out, and was supposed to get a little over {$1400.00} but only received around {$1000.00}. Then later that week I received my paycheck and it was significantly less than normal and at that point I realized I was being garnished over all of this. I called the firm and they had my address for XXXX, IA where I moved out of at the beginning of XX/XX/XXXX.  The lady I spoke with at the firm said they normally wont release a garnishment unless its paid off. Its their internal policy and I realize that it costs money to have to file that and everything else they have filed. I am okay with paying all those fees and all the other costs I have occurred from the lawsuit having to be filed. Had I know I was going to be garnished I would do anything to stop it. There was a reason I was borrowing against the last funds in my 401k, which 1/4 of that is already being held for the firm, I can not afford any of my bills. I am currently selling my truck which I bought in XX/XX/XXXX before all of my medical issues started so I can pay off all of the medical debt I have incurred as well as all the other debt from missing work. I am willing to pay the firm {$300.00} a month until the balance is paid in full including any new court costs incurred. The balance is around $ 2300-2400 right now which is well less than a year to pay off this debt that I didnt ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: GA

Complaint narrative:
Received a settlement letter in XX/XX/XXXX from Discover, we sent a check in by the requested date to settle the account. The check showed up as deposited in our bank account so we figured the account was settled. Fast forward to XX/XX/XXXX we received a letter from Discover saying the account has still not been paid even though we have documentation showing the check has been deposited into their account. On that day we called customer service to see the status of the account, and they reported the same information as to the letter we received. They had us send in copies of the check and bank statement. Fast forward to XX/XX/XXXX we received another letter from discover saying that we still owed. We have called Discover multiple times to get this situation rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear sir or madam, XXXX DC has sold off this account to XXXX XXXX. I had already paid XXXX XXXX  and the account is statisfied. Since XXXX written off and sold my debt, My contract with them is no longer active, so No contract with XXXX. They need to delete this from my credit report. XXXX  need to deleted XXXX XXXX off my account too.

Thank 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 explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I found out about this account XX/XX/XXXX. I found waypoint resources based out of Texas has reported on my credit. I never received no documentation or letter regarding XXXX XXXX. I also have two collections collecting on the same debt credit collections in XXXX  also collecting. Which they was paid XXXX   for the balance. Waypoint resources refused to help resolve issue.

From XX/XX/XXXX- XX/XX/XXXX my apartment was damage to Hurricane Irma. I moved back in my apartment on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XXXX XXXX XXXX  continually violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act. XXXX XXXX XXXX contacted my in XX/XX/XXXX though the telephone, stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it.

After speaking with XXXX XXXX in XX/XX/XXXX, I emailed them the information they requested on XX/XX/XXXX on my payment agreement with XXXX XXXX, and I requested account verification from them. The company never responded to the email or furnished account verification to this day.

They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted XXXX XXXX XXXX  on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX The account was removed again, only to be placed back on there multiple more times since.

XXXX XXXX XXXX has violated my rights under the Fair Debt Collection Practices Act : 1. They continue to try to collect a debt they have knowledge has been paid and is not owed to them.

2. Threatened legal action against me 3. Furnish false information to the credit bureaus ; XXXX, XXXX, XXXX. XXXX XXXX XXXX has violated my rights under the Fair Collection Practices Act : Fair Debt Collection Practices Act Section 809. Validation of debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report.

I have submitted multiple complaints through the Consumer Financial Protection Bureau to no avail. How can a company continue to operate outside the law and violate my rights afforded to me though the above mentioned laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/XXXX this same character from XX/XX/XXXX is still attempting to open an fraudulent account using my personal information as a victim of identity thief that has a fraud alert on all the 3 different credit bureaus and still after I just informed Alley Bank to get stronger all their online procedures letting anyone apply online with out a verifiable documentation of where ( IP address, with city, state and town where the application is coming from or who is really trying to open up a account in a fraudulent transaction. a very weak security system to weed out id thieves ' on line especially when the same person has done this same crime 4 times from XX/XX/XXXX to XX/XX/XXXX at the same institution Ally Bank. This tells me that a weak procedures the bank has is not determining fraud on line at their banking institution. MY NAME HAS A FRAUD ALERT EVERYTIME THE SOCIAL SECURITY INFORMATION AND PERSONAL INFORMATION IS USE THRU ALL 3 CREDIT BUREAUS IN THE UNITED STATES! THEY MUST CALL ME FIRST!

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 2018-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
After submitting two written formal complaints XX/XX/XXXX and again XX/XX/XXXX with Citibank I gave up and decided to make arrangements to get the merchandise I have been paying for since XX/XX/XXXX. However when I went into the store on XX/XX/XXXX and spoke with the store Manager at XXXX XXXX he stated they credited my account back on XX/XX/XXXX and provided me a receipt to evidence. He further stated I was NOT obligated to purchase any furniture from them. So on XX/XX/XXXX I contacted Citibank and provided evidence XXXX XXXX credited back the {$4000.00} ON XX/XX/XXXX and requested they provide me the {$4000.00} credit I had been due for MONTHS. About two weeks later I received a letter stating they did there so called research and I still owed the money. FURTHERMORE they told me they would no longer accept calls or written communication pertaining to this dispute. Then about one week later I got another letter stating to contact them because they needed to collect additional information?? I called and spoke with the representative who re-opened the dispute and claimed it would be investigated properly. Today I received a letter dated XX/XX/XXXX telling me to contact the sales manager at XXXX XXXX about my credit???? At this point the store and Citibank appear to be in cohorts because now they are back to trying to brow beat me into purchasing an item I NEVER authorized from the beginning. I am appalled at the deceit and dishonesty both companies have displayed since the start of this transaction. I never signed the credit authorization giving Citibank the right to charge my account, but they INSISTED an order for furniture can be used in lieu of a I signed credit authorization slip. I told them an order does NOT give you the authority to charge the card, but they are ONLY interested in only BROW beating consumers in order to turn a profit. I did NOT AUTHORIZE the initial charge and provided evidence of the UNSIGNED authorization form. They then claimed it was the stores policy for NO refund, however I have evidence the store credited it back the FULL amount on XX/XX/XXXX and I have been making payments since XX/XX/XXXX for merchandise I do not have and apparently I should have had a XXXX balance since the 1st initial dispute in XX/XX/XXXX I used my debit card with XXXX for part of the transaction and they gave my {$700.00} back in XX/XX/XXXX. Why does CITIBANK think they are entitled to {$4000.00} of my money when I don't have merchandise NOR did I authorize the charge AND they received the money back from 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 explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: GA

Complaint narrative:
My monthly mortgage payment went up from {$560.00} to {$1000.00}. Although property tax went up, this is excessive escrow reserve. Provident Funding is  collecting too much payment for escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All credit reports need be updated. XXXX  transunion and XXXX. On XX/XX/2018 A lender told me that XXXX XXXX on my transunion report.

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 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
In XX/XX/XXXX Nissan offered to extend my contract and move my payments for XX/XX/XXXX and XX/XX/XXXX to the end of my contract. I agreed to the arrangement and made a payment of over {$1100.00}. Instead of marking my account as " paid as agreed '' for the month of XX/XX/XXXX as originally stipulated, Nissan has erroneously marked my payment for XX/XX/XXXX as late. This is negatively impacting my credit score and I need it fixed immediately. Additionally, Nissan has failed to report my last two payments in XX/XX/XXXX and XX/XX/XXXX which is also negatively impacting my credit score. Finally, Nissan is not reporting this account to XXXX which is also negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
TODAY, XX/XX/2018, I CALLED CUSTOMER SERVICE OF BANK OF AMERICA. I WAITED MORE THAN 45 MINS, & THEN XXXX XXXX CAME ON PHONE. SHE DROPPED MY CALL. CUSTOMER SERVICE OF THIS BANK IS HORRIBLE. STAFF OF BANK OF AMERICA DO NOT HAVE ANY RESPECT FOR CUSTOMER.THEY TREATS CUSTOMER LIKE A DIRT. I WAS VERY MUCH FRUSTRATE WITH CUSTOMER SERVICE OF THIS BANK.

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 2018-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
The vehicle was repossessed by XXXX XXXX XXXX XXXX, I paid the XXXX dollars via XXXX XXXX  refference number XXXX and when I attempted to call in with the necessary info I spent an hour and a half on hold until they closed, now they will sell my truck and keep my XXXX I don't think that credit acceptance should get away with this

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 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All credit reports need be updated. XXXX  XXXX and Experian. On XX/XX/2018 A lender told me that XXXX XXXX on my XXXX report.

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