vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XXXX XXXX America Honda Finance pulled my credit without my official written consent and Denied my credit because of my XXXX   XXXX. 
I didn't authorize them to pulled my credit. 
Honda Finance violated my XXXX XXXX XXXX XXXX XXXXt under Department of Justice and didn't have a option or XXXX  in regards purchasing a vehicle, that's affordable under {$300.00} @ month. 
Honda dealer was trying to put me a vehicle that cost {$21000.00} in which l can not afford. 
XXXX XXXX dealership in XXXX, California also pulled my credit without my consent. 
If XXXX  XXXX of XXXX California and America Honda Finance doesn't have my written official signature is not valid. 
My credit scores was over 600 's and now because the hard pulls inquiries, my XXXX, XXXX, XXXX  scores are suffering and it went down to XXXX. 

I am respectfully XXXX XXXX and Retired. 

Auto application reference # XXXX for XXXX XXXX. 
Credit was pulled by XXXX  XXXX of XXXX, California and American Honda Finance on Saturday. XXXX XXXX. 
I wasn't at XXXX XXXX XXXX in XXXX, California when my credit was pulled. 

Information for XXXX/XXXX  XXXX dealership auto dealers, new XXXX XXXX  XXXX  XXXX, California XXXX XXXX Sales Manager of XXXX XXXX pulled my credit report on Saturday. XXXX XXXX around XXXX XXXX. 
Why pull my credit report twice? 
So my information can be shared by both parties. 

American Honda Finance Auto Financing Companies XXXX XXXX XXXX XXXX, California. XXXX XXXX XXXX fax. 
Mr.XXXX  XXXX pulled my credit and he never called me to ask me for my consent to pull my credit and he denied my opportunity to purchase a vehicle at XXXX XXXX dealership in XXXX, California without a downpayment. 
Denial because of my XXXX XXXX. 

I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has placed several accounts on my consumer report without my consent and violated my rights. This has been a major problem and has caused me problems and distress. I have sent in certified letters and asked to provide information with any original documents bearing my signature. I contacted the creditor along with the credit bureau and asked for that information and nothing was sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: CA

Complaint narrative:
Upon receipt of a complaint previously submitted to CFPB, the company in question re verifying the validity of a debt, the original creditor XXXX XXXX XXXX XXXX submitted two exhibits : one being the admission information sheet with incorrect SSN information, and the discharge summary with itemization of charges and transactions for four days of inpatient treatment. 
As previously explained, the two submitted exhibits show a social security number that does not belong to me, please see attached. They also show that patient is an OP, or outpatient under the patient type that was in fact in care of the hospital for four days. 
The latter statement is in direct contradiction to the second exhibit which is the explanation of charges. Was this patient in the hospital or at an office visit? In this item, also attached, the service provider claims that the OP, outpatient, was in fact in their treatment, in the urgent Emergency Department for a period of four days from XX/XX/2018 to the discharge date of XX/XX/2018. 
One would hope that in four days, the attending ER DRs may have asked the admitting department to get accurate patient information for billing such as the right social security number and employment information and to properly demonstrate what the diagnosis is as to be able to fill out all the missing data in the admission sheet such as the chief complaint and other information. Four days would have also allowed for absolutes with regards to the identification of this patient in their care and to in fact have a very large file re patient care. 
Two pieces of paper produced at the request of CFPB show all the inconsistencies that fail to prove that this debt is valid and in fact is truthful, accurate and mine. For these reasons, I am submitting the continued request that this be removed from collections and from the credit bureaus.

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 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
1.First dispute was in XXXX if 2019 to report that my balance on transactions continually changes and provided documentation. 
2. Received by mail a letter that had nothing to do with my situation. 
3. Reported again in XXXX that my bank continues to alter my balance with my transactions and provided documentation. 
4. Again received a letter that had nothing to do with my situation. 
5. Began a thorough personal audit of my online account on XX/XX/2019 only to find that balances did not reflect the transaction. Printed a year 's worth of documentation. 
6. On XX/XX/2019 I walked into the local branch with my documents. They called Capital One Online who verified that there was a glitch with isolated accounts and they had been working on it. They said they would begin a full audit which would take up to 10 business days. That DRT would reach out to me with balances with statements. Case # XXXX. My question at that time was if they were aware of a glitch, why was this not addressed the 2 previous times I reported this fraudulent activity? 
7. On XX/XX/2019 I checked the same dates with discrepancies in the balances change on transactions with the dates of XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. What I found was that the balances had changed on every transaction for the same transactions I had copied on XX/XX/2019. And in some of these transactions the balances went from positives to negatives, and vice versa. 
8. On XXXX XXXX I choose the most recent date of XX/XX/2019 transactions to see if the balances changed. They did each and every day. Not once were they the same. 
9. XX/XX/2019 I received and email from a do not reply address from Capital One which and I quote said, " Thank you for reaching out to let us know about the digital issue you were experiencing. We resolved it, and you now be able to successfully sign in and use your account features or sign up if you haven't already. '' Again this response was generic and has nothing to do with my situation. 
10. Finally, I went to check out my account to see what " changes '' had occurred. Their idea of fixing the situation is that I can no longer look back online at transactions past XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/2019 a transaction for {$290.00} was posted to my Square account in which I'd subscribed to for my business. Only after the transaction took place was there a hold placed on my account or all transfers were suspended. This taking place after a previous transaction of a mere {$25.00} was released to me after being held for 2 weeks in order to have my bank account verified. Were they to have suspended the first payment or frozen my account at that point, I wouldn't have a complaint ; or had they made me aware that all further transactions would be suspended until they were able to validate the legitimacy of my business at that point. Unfortunately for me they lead me to believe that my account was set up to receive and transfer payments from that point on. I had in fact received another {$2.00} payment in the midst of my bank account being verified which was also released to me upon bank verification. Why would they have allowed two payments to go through and be transferred only to turn around and place a freeze on my account once a payment of almost {$300.00} hits the account? It's my belief that the Square company doesn't intend to release the funds to me but in fact plans to delete my account and seize the funds as I've heard rumors they are apt to do. Why not verify the legitimacy of the business BEFORE you allow them to perform transactions instead of waiting until AFTER there are funds in the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on Sep 23, 2019 and the subsequent response received on Dec 14, 2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2800.00} -This is not my account.

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 2019-12-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.

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 2019-12-17 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: Social Finance, Inc.
State: FL

Complaint narrative:
I have previously reported that I am a victim of identity theft and requested the company SoFi to close my loan that had been initiated in my name around XXXX of XXXX. 

I first became aware of the loan around XXXX of XXXX, when I had arrived home from a 5 month trip to XXXX XXXX, and had found 3 or more withdrawals ( of approximately {$1400.00} each ) from my checking account for a SoFi loan. I logged into my XXXX XXXX and found a {$75000.00} loan from SoFi reporting on my credit. This loan was opened in my name and address using fraudulent contact information including a unregistered phone number and an old inactive email ( that I presume was used to communicate with the company ). 

I immediately placed a freeze on my credit report and, further, sent a letter to the company dated XX/XX/XXXX containing a copy of my FTC Identity Theft Report, proof of identity, dispute letter of the account in question and a notice of furnishers of information. 

On XX/XX/XXXX, I received a " fraud package '' mailing from Sofi requesting additional documentation in regards to my report. This called for a notorized affidavit, copy of government ID and a police report. 

I was able to submit all but the police report and sent the documents back to Sofi on XX/XX/XXXX. There had been a delay with the police report as I had just filed with the XXXX County Sheriffs Department and the process typically takes a couple weeks for the report to be indexed into records. I followed up with an email on XX/XX/XXXX providing a copy of the police report to Sofi. 

By XX/XX/XXXX, after an " investigation '' by Sofi, fraud was not " determined '' and I'm held liable for the balance. 

My complaint is as follows ; 1 ) The company takes an extremely long time, nearly two months, to acknowledge receiving my documents. 
2 ) Continued harassment by phone calls and emails for payment despite the questioned account is under review. 
3 ) Concludes a 24/48 hour investigation without even contacting me for questions or additional information. They completely overlooked the fact that I had not even been in the country during the time the loan was initiated. 
4 ) My request for additional information as to the origins of the loan from the company on XX/XX/XXXX has yet to be provided 8 days later, indicating to me that they did not do proper due-diligence when it came to their prior investigation. Surely if they had documentation against my case it should be easily accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I had found out about this unauthorized chargeoff a couple of years ago. They say its from breaking my lease at my apartments, which was completely false. Then they say its from damage to the apartment after i had moved out. Have not had one good conversation with them, it always turns to an argument.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: FL

Complaint narrative:
Equifax has accounts on my credit report that are not mine/inaccurate/false/fraud. 
XXXX-collections account was removed/deleted from XXXX on XX/XX/2019. 
XXXX-collections  account was removed/deleted from XXXX  on XX/XX/2019 XXXX-collections account was removed/deleted from my transunion credit report on XX/XX/2019

Company response to consumer: Closed with explanation