vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FlexShopper, Inc
State: MA

Complaint narrative:
I owe about XXXX before interest on a loan for audio equipment I got a 3 years ago. They have been calling my relatives saying they will show up. I called my sister and she gave me a number to call so I did. They started to tell me I did credit fraud and a few other things and would of have to pay over a thousand for the fine and interest by the end of the day or I would be sued and serve jail time and a few other things. Pluss I would have to pay the legal fees. I have been at the same address for years and have gotten no letter. I called flex shopper where I got the stuff and they gave me the number of the collector there was no answer I left a message and have yet to get a phone call. The other number continues to call family that I don't even talk to and I know they have my number but they won't call or send anything to me. Just threats. I told them to send the bill and I would make payments they aren't hearing it.

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 2021-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I and my son have the same names and this sometimes causes errors in my credit report because financial movements not made by me appear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
I'm having issues with Experian on my credit report. My rights as a consumer rights have been violated, I am highly disappointed that you refuse to follow the laws that were written by the FCRA. I have requested a thorough investigation and have asked for the original signed documents of this alleged debt. You have refused to send them and have refused to investigate this alleged debt correctly. 

Not only that you my rights as the consumer have been violated according to 15 U.S.C 1681 ( b ). Permissible purpose, 15 U.S.C. 1681b ( 2 ), in accordance with the written instructions of the consumer to whom it relates.

I Consumer, XXXX  never gave any written consent to put this alleged debt on my credit report/file.

15 U.S.C. 1681 ( a ). accuracy and fairness of my credit 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 2021-05-26 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: CA

Complaint narrative:
They are reporting inaccuracies in my consumer report due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: DigniFi
State: CO

Complaint narrative:
I have tried multiple times to get Dignifi, my bank XXXX XXXX XXXX XXXX, and XXXX ( Payment processor for my bank ) schedule some time to work together to find the missing payment that has been missing since XXXX. 

XXXX XXXX has not responded to my emails asking for this, she has not responded to my Banks emails asking for this. 

XXXX has confirmed that Dignifi Payment Processor received the payment, and forwarded it correctly to Dignifi. However Dignifi is still not cooperating in terms of locating the payment. Insisting we have not provided information that is needed, insisting that the payment was sent to the wrong address and they don't take electronic payments.

Dignifi own payment processing company opened a case asking for the payment to be investigated over a week ago, Case ID # XXXX request that Dignifi respond and we have not heard back from Dignifi. This case was provided to XXXX XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy cash has opened an account on my credit of {$2100.00}. I am unaware of this charge and I would like it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to you because I have been discriminated against and my rights have not been respected by Chase Bank. I have been a customer of them for many years with my personal accounts and credit cards. On credit cards I have always been an excellent payer. On Wednesday, XX/XX/XXXX I realized that my credit card had been closed, and I could no longer use my available credit. 
We are experiencing an unprecedented pandemic situation and they did not offer me help. Instead, they took measures that have generated even more anguish and economic precariousness since the credit that I had available was what I had to face medical and food emergencies for my family ( We are a family made up of my husband and I ( XXXX XXXX Men ) and XXXX XXXX daughters. Last year my husband and I were unemployed, which has been a great financial storm in our home. In addition, we suffered from XXXX XXXX. I took at least 6 months to regain my health. This year 2021 I had to face the closure of my company, something that caused a great XXXX not only in me but also in my family. During the month of XX/XX/2021, I got the XXXX vaccine and 30 days later I still don't feel completely well. I had side effects. The government has helped the banks with money and the banks do not pass the benefits on to the citizens. The government has made great sacrifices and the banks continue to charge interest rates that are usury. In addition to continuing to harass clients to collect unpayable debts that clearly announce in the account statements that if the minimum payment is paid, you will be paying for 35 years. I don't have enough life to pay for this. It is an outburst, and it is USURE. I request my rights be respected and stop discrimination due to my XXXX origin and XXXX condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
Money Lion Asked for set amount to be backdated Stated only allows 2 transactions Have fee of XXXX dollars to owe. 
I need to have a small payment fee plan. Tried to state that and they did not help. Stated to push back or place half amount to help with struggle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA Bank in XXXX, Alabama, is an absolute outrage, and shocking to the conscious. In XXXX, XXXX, someone opened an account in my name and deposited and withdrew {$5000.00}. It was Identity Theft. I am on Social Security and S.S. notified me in XXXX, XXXX that this account was opened in my name I immediately notified BBVA, the FTC, the IRS and the local Sheriff. One year later S.S. notified me that they would begin to deduct {$95.00} a month starting XXXX, XXXX to repay S.S. 
BBVA bank first put me through a worthless, futile year of trying to report this fraud by phone through their lying, incompetent phone reps. Then BBVA put me through a 3 month worthless, futile period of trying to report this issue by confidential email through their lying, incompetent email reps ( I uploaded notarized ID Theft documents, color copy photo documents of my birth certificate, social security card and state photo I.D . with a notarized affidavit of my motor vehicle change of address ). At the end of all these lies, BBVA informs me that I have to submit all documents through regular mail. 

This bank is a total scam bank. First they will send you through their worthless call center. Then they will send you through their worthless confidential email. Then thewill XXXX UP on your actual mailing address and list the WRONG MAILING ADDRESS. I received a scam email from them from their confidential email system which they stated my actual physical address, but I do not receive mail at this address. I RECEIVE MAIL At MY P.O. BOX AND I HAVE TOLD THIS TO THEM OVER AND OVER AGANI. This bank is a fraud in every way possible!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I entered into a consumer credit transaction with Flagship Credit Acceptance in XX/XX/XXXX. On XX/XX/XXXX, I extended my credit using my social security card ( credit card ) to Flagship Credit Acceptance. In the process, a down payment of {$2500.00} was taken from me during this transaction. This transaction was initiated by me, by default I am the original creditor. By me extending my credit to Flagship Credit Acceptance they are now a creditor. 

15USC 1602 ( g ) I granted Flagship Credit Acceptance the right from my rights for them to incur debt and to defer payments but they violated me by using my rights instead.

15 USC 1605 ( a ) In this transaction, Flagship Credit Acceptance violated me by charging me 3 times during this transaction. I was only supposed to be charged the finance charge.

15 USC 1692e ( 2 ) They are still charging me monthly payments every month and also late fees. 

I never received a notice to verify this alleged debt during the thirty-day period. 

15 USC 1635 ( a ) I never received documents for the right to rescind.

15 USC 1605 ( c ) My insurance was not included in the transaction.

I did not receive the documents ( contract ) once the transaction was done, I didn't receive the documents from Flagship Credit Acceptance until XX/XX/XXXX. I had to request it from them. 

I sent Flagship Credit Acceptance documents requesting validation of deb on XX/XX/XXXX but have not received any return documents as of XX/XX/XXXX. 

I was also threatened in a letter from Flagship Credit Acceptance that they would come to repossess my property, which is in fact a violation, and to also have a tow service come on my property to repo my car.

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 2021-05-26 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: NJ

Complaint narrative:
XXXX XXXX - This Account does not belong 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 2021-05-26 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 IS VIOLATING MY RIGHTS AS A CONSUMER. I HAD MY ACCOUNT BREACHED DURING THE EQUIFAX BREACH AND THIS ALLEGED DEBT IS ON MY CREDIT REPORT/FILE. THEY NOT ONLY ALLOW THIS IDENTITY THEFT ON MY CREDIT REPORT. 


This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am Hurt to find out that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following account is not mine. 
XXXX XXXX XXXX Account XXXX XXXX Please remove it from my credit report. 


I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
There is something crazy with my credit! I made a report after I noticed that there is more than 1 account on my credit report that is not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.

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 2021-05-26 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections is reporting a collection on my file that needs to be removed. I took a look at my credit file and noticed this debt reporting. I immediatley called and settled it with them. However, I was unaware of this collection and was never given a proper 30 day right to dispute. When I called and spoke to the person on the phone regarding a deletion letter they told me that I had to request for one in writing and I did so and never heard back. I'm not sure if they never received it or just ignored it. However, I have settled this account and am now asking that they please remove the account from my credit file. I am aware Mountain Land has the ability to remove these because they are the original furnisher. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent out a letter asking the credit agency to investigate the bankrupt that is reporting on my credit file, which they can back as the information is accurate and so I reach out to the credit furnisher and they sent me a letter back. and Experian would do anything about the wrong information.

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 2021-05-26 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivables is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit and noticed this debt is still reporting after I paid it. I paid this account to them even though I never received a 30 day right to dispute on this account which is a violation under the FCRA and the FDCPA. I however know that Outsource has the capability to remove any accounts since they are the furnisher and can report to the bureaus as they deem necessary. I ask that they remove this collection as it has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
I have an inaccurate collection reporting to Transunion & XXXX The account is titled XXXX  ( Original Creditor : 11 XXXX XXXX XXXX ) Ive sent 3 separate letters requesting them to stop reporting this inaccurate information on my credit. ( which will be attached below ) Ive paid off this collection 2 years ago in full.

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 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The initial complaint filed with your offices is : XXXX against Ally Financial. I was recently informed by my co-signer that her credit report shows a " repossession by Ally Financial '' which has cost her housing, potential loans, credit worthiness etc. by all 3 credit reporting companies. In addition, my complaint was never resolved by CFPB regarding both of the wrongful repossessions of my car when my loan was extended and it was a " computer glitch on behalf of Ally Financial. In addition, the damages to my car, my driveway, my yard and the street from the second repossession has never been resolved by Ally Financial.

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 2021-05-26 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I and my son have the same names and this sometimes causes errors in my credit report because financial movements not made by me appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
According to fcra, i may prevent businesses from reporting information about myself to consumer reporting agencies if I believe the information is a result of identity theft. I contacted LVNV FUNDING with a certified letter on XXXX XXXX with my identity theft report and my proof of identity asking for them to stop reporting this debt to all three major credit bureaus immediately as this was a resuly of identity theft. They received the letter on XXXX XXXX. This needs to be removed asap as the credit bureaus are telling me that they need to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CA

Complaint narrative:
They are reporting inaccuracies in my consumer report due to identity theft

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 2021-05-26 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:
They are reporting inaccuracies in my consumer report due to identity theft

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 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
the balance of XXXX from XXXX XXXX XXXX XXXX was already paid off.

Company response to consumer: Closed with explanation