vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachments labeled as Exhibit A that Capital One Auto Finance is in violation of 15 USC 1692c ( b ) Fact, affiant is aware and has proof in the attachments labeled as Exhibit A that Capital One Auto Finance is in violation of 18 USC 1028a ( 1 ) Fact, affiant is aware and has proof in the attachments labeled as Exhibit A that Capital One Auto Finance is in violation of 15 USC 1692b ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Yamaha Motor Finance Corporation USA

Complaint narrative:
Hello, my name is XXXX XXXX and I am having issue 's with getting some fraudulent accounts off of my credit. My last Complaint ID was XXXX. One of the accounts reached back to me to forward them documents to prove that the account was indeed fraudulent. I have recieved notice of them getting the information. I've attached the documents below and I have sent them evrything they have asked for. I haven't seen any change in my report or have i heard back sense. This has been a very hard process of dealing with identity theft but, i know with the help of you guys something will be done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; XXXX, Transunion, XXXX. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry. 
I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.

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 2021-08-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; XXXX, XXXX, Equifax. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry.

I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: WY

Complaint narrative:
I purchased my car on XX/XX/2020 from XXXX XXXX XXXX XXXX. I also purchased the extended warranty. I was told when I bought it that I had 60 days to cancel the warranty for a full refund of {$3000.00}. This was also stated in the warranty contract paperwork. I emailed the finance manager about cancelling it on XX/XX/XXXX and was told I needed to do it in person. I went in on XX/XX/XXXX and cancelled my warranty, or so I thought. I was given a piece of paper stating the mileage and that my refund was sent to my lien holder. I was told that monthly payments would stay the same but that my loan term would be shortened. I asked while I was there if there was anything else I needed to do to cancel the warranty and was told no. Fast forward to XXXX, I go to check my loan with the bank and am surprised to learn that no refund for {$3000.00} was ever sent. I immediately emailed the finance manager and called with no response. I emailed about 4 more times and called many more times with no response. I also called The Huntington National Bank multiple times, and was told I needed the check number, amount, and date sent from the dealership. I finally got through on the phone with the accounting department of XXXX XXXX XXXX XXXX and she said, " oh that's weird that he never had the check sent ''. She then told me that the furthest back she could date a check to was XXXX of this year and that it wouldn't be the full {$3000.00} refund but instead about {$2300.00}. I don't think this is fair as it isn't my fault they didn't send the check when they were supposed to. I should be receiving the full refund. She told me it wasn't possible for her to get me the full refund because the system wouldn't let her date the check back far enough. She also told me she would send me an email with the check number of the {$2300.00} but that it would take about 2 weeks. It has been almost 3 weeks now and I still haven't received an email. I understand that people make commissions off of these warranties, but I followed all the written rules to cancel it within the timeframe. It seems like shady business practices, and like they were hoping I wouldn't catch it. I should be refunded the full {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted proof that the debt with XXXX/XXXX was satisfied and at XXXX balance and all 3 bureaus claim that they investigated and verified that there was still a balance. Even the creditor verified that they responded with XXXX balance but nobody wants to update. I WANT THIS DELETED AS IT IS NOW INCORRECTLY REPORTED BY ALL 3 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 non-monetary relief
Consumer complaint received 2021-08-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute letter back in XX/XX/2021for some accounts that were on my consumer report that are fraudulent and I reported as Identity theft and I am the VICTIM of identity theft!! I'm still seeing these accounts and inquiries that should be marked as identity theft on here. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. I'm tired of you guys playing games with me just because I'm a young XXXX male does not mean I don't READ. And please do tell me you need to take another 60 days to correct this problem its already been 90. I expect this to be done within the 5 business days according to the LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I have sent 3 certified letters to this company informing them that this is not me I have asked them for verifiable proof with my signature as required law and all they sent me back was a copy of the charges the deft still shows on my XXXX  credit report My name is legally XXXX XXXX however due to my employment my name on my insurance card is XXXX XXXX and so my health report with this hospital would be XXXX XXXX not XXXX so clearly this is not my bill I have in the past been a victim of identity theft I am also a member of a class action lawsuit against Penn Credit for violations of Fair Debt Collection laws and their refusal to remove this from is in retaliation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NJ

Complaint narrative:
I submitted proof that the debt with XXXX/XXXX was satisfied and at XXXX balance and all 3 bureaus claim that they investigated and verified that there was still a balance. Even the creditor verified that they responded with XXXX balance but nobody wants to update. I WANT THIS DELETED AS IT IS NOW INCORRECTLY REPORTED BY ALL 3 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 2021-08-27 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: NJ

Complaint narrative:
I submitted proof that the debt with XXXX/XXXX was satisfied and at XXXX balance and all 3 bureaus claim that they investigated and verified that there was still a balance. Even the creditor verified that they responded with XXXX balance but nobody wants to update. I WANT THIS DELETED AS IT IS NOW INCORRECTLY REPORTED BY ALL 3 BUREAUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive noticed unauthorized inquiries on my report that I wanted off. Ive filed police report & mailed everything transunion told me to mail. STILL THERE. I would like all 8 removed immediately

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 2021-08-27 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
chapter XXXX bankruptcy was not verified original documents with my signature were never produced for verification

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 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Funding LLC has been sending me collection notices in the amount of XXXX . The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: UT

Complaint narrative:
To whom it may concern : The Money Source has not been honest and fair dealing with Me.

They have given me the runaround for over three months now the Money Source is Advancing money to my account because of a mistake They made on their end the Money Source Approved Me on a forbearance program and had Me initiate My monthly payment over the phone I noticed that my Monthly Statements amount due was increasing double after making the payment when I called them to find out what was going on I was told by a supervisor that yes they were cashing the checks but someone forgot to put a code into the computer causing an automatic trigger to seek their Attorney and an inspection on My House to see if I was living there The Lady said she would l Take care of this when I got My next Statement from The Money Source they are now charging Me almost {$700.00} in Fees they said it was because of the code they forgot about & they would take care of it But now this Statement came and they are still charging me that Money They say Now its was from a Bankruptcy in XXXX  that was already paid for I HAVE Evidence OF Payment from that time with the court The Money Source have been Stressing Me out by not being honest and fair dealing with Me they are also Reporting to the credit Bauru 's that I'm Possible late they need to correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute letter back in XXXX XXXXfor some accounts that were on my consumer report that are fraudulent and I reported as Identity theft and I am the VICTIM of identity theft!! I'm still seeing these accounts and inquiries that should be marked as identity theft on here. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. I'm tired of you guys playing games with me just because I'm a young XXXX male does not mean I don't READ. And please do tell me you need to take another 60 days to correct this problem its already been 90. I expect this to be done within the 5 business days according to the LAW.

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 2021-08-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive noticed unauthorized inquiries on my report that I wanted off. Ive filed police report & mailed everything XXXX  told me to mail. STILL THERE. I would like all 8 removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NC

Complaint narrative:
Ive noticed unauthorized inquiries on my report that I wanted off. Ive filed police report & mailed everything XXXX  told me to mail. STILL THERE. I would like all 8 removed immediately

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 2021-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I was notified on XX/XX/2021 of 2 fraudulent applications using my name and social security number. The first one was a XXXX XXXX XXXX credit card the second one was. XXXX credit card managed by Barclays Delaware Bank. I was able to call both companies and report the fraud as well as have both applications stopped before they were fully processed. I have put credit freezes on all 3 credit bureaus as well as putting a fraud alert on them.

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 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Elite Financial Services, Inc.
State: MO

Complaint narrative:
On XX/XX/21 Elite Financial Services , Inc called my ex-husband and discussed my debt with him based only off of his assurance that he was my spouse. 

This was not a debt he was connected to and I had not given the company permission to speak with him on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This complaint is regarding Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act against Portfolio Recovery Associates. They are in violation in reporting inaccurate information on my credit files and have not provided validation as requested to show proof that I owe the debts they are saying I owe. They are in direct violation reporting past due balances on collection accounts. 

They are using unfair collection practices by re-aging the debts to keep them on my credit report stating incorrect balances, I have disputed and sent numerous letters asking for proper Validation with signed signatures and contracts showing that I owe this debt that they are claiming I owe, and they have not provided any proof what so ever. The burden of proof is not on the consumer to disprove the debt its on Portfolio Recovery to prove per the LAW. 

Portfolio Recovery Associates are legally-required investigation of the issues raised by the consumer, and they have not done so. Portfolio Recovery Associates are engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws and I am requesting that they remove all negative information that they are reporting on my credit files, that are trying to collect on debts they can not verify and haven't provided the proper verification per the law saying I owe this debt. No photocopies of an alleged debt, proper verification. 

Here are the account numbers as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also be filing an complaint with the Federal Trade Commission.

Company response to consumer: Closed with explanation