vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
I was scammed by an individual named XXXX XXXX XXXX in NC as the netcredit loan was taken. This individual scamming me, also resulted in me blocked from XXXX XXXX, had me XXXX acted as she stole a check from me, and held many felony convictions. In the town of XXXX NC, her parole officer did not perform the required drug tests to allow her to skirt through probation. If anyone owes NetCredit, it is XXXX XXXX XXXX who scammed me. I am a victim of being scammed, and then taken advantage of by Netcredit, who wishes to charge me XXXX percent interest on top of it. I am just making the data complete, as Netcredit is allowed to report incomplete data to the credit bureaus. Incomplete data is not to be allowed on the credit reports, and NetCredit does not have the complete data to provide an accurate picture of me. I will no longer be scammed by individuals such as XXXX XXXX XXXX, or crooked lenders trying to skirt around Florida 's caps on lending to prevent predatorial lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am writing to formally request a thorough investigation into the discrepancies and verification presented in the recent communication regarding an account allegedly opened in my name. I have serious concerns about the accuracy and legitimacy of the information provided, and I believe it is necessary to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and North Carolina credit laws. Upon reviewing the statement received from Discover, I have identified several discrepancies regarding the addresses and phone numbers associated with the account. I would like to clarify that I have no knowledge of the mentioned addresses, nor have I ever resided at or received mail at these locations. Furthermore, the phone numbers listed as verification are unfamiliar to me, and I have no record of ownership or usage of these numbers. In light of the discrepancies mentioned above, I also wish to address the statute of limitations for debt collection in North Carolina. As per North Carolina credit laws, the statute of limitations for most types of debt is three years. It is crucial to determine whether the statute of limitations has expired in this case, as it may affect the creditor 's ability to pursue legal action to enforce the debt. I request that you thoroughly review the relevant dates and account history to assess compliance with the statute of limitations. In accordance with the FCRA and North Carolina credit laws, I kindly request that you initiate a comprehensive investigation into the validity and accuracy of the information provided by Discover. This investigation should include verification of the aforementioned addresses, phone numbers, and any other associated details. I also request that you obtain and review any supporting documentation provided by Discover, such as written documents or records, to substantiate their claims. Furthermore, I kindly request that Discover provides me with a detailed report of the investigation 's findings within the statutory timeframe of 30 days, as outlined by the FCRA, which they have yet to do. Additionally, I would appreciate their assistance in clarifying how their actions, as outlined in their communication, comply with the requirements of North Carolina credit laws, including the options for repayment assistance directly through Discover and not a third party. I appreciate your prompt attention to this matter and your commitment to upholding the provisions of the FCRA and North Carolina credit laws. Thank you for your assistance in resolving this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: TX

Complaint narrative:
The balance on the credit card is paid, I have submitted receipts and proof from the collection company. Experian is just ignoring the proof and siding with the reporting creditor without doing a proper investigation. They want me to believe that they completed a proper investigation in 48 hours during a weekend.

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 2023-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have a vehicle loan with XXXX XXXX XXXX from XXXX of 2020. When I took out the loan the price started at around {$22000.00}, I put {$5700.00} down, after the taxes and tags, the finance was at $ XXXX. At 72 months. The dealer swindled me and talked so fast I could barely understand what he was saying or doing, but I had no vehicle and and a credit score at roughly 600 with no co-signer. So I agreed to whatever the terms were. I was explained my payment would be over {$500.00} a month and I was only making {$1900.00} a month at the time, so I tried to find a better job so I could pay it off quicker and be able to afford my life. 
Just as soon as I found a new job covid swept in. I worked from home a lot with XXXX kids, and eventually was no longer able to keep up with some payments due to lack of work. I explained to the company what was going on and they kept saying theyd notate the account and pay what I could. I missed full payments for about 4 solid months, and I continued to contact each month for an update. As soon as I began work again, I called to schedule a promise, and the day of payment they repossessed the vehicle in the night. 
It took me 7 days to get the vehicle back even though it had been released already. I spent another {$950.00} for a rental for those seven days so I could get to work. 
I asked what my loan payoff was at this time and they tell me its $ XXXX!!!!!!!!! 
I said put {$5700.00} down ; Ive paid {$520.00} a month since XXXX of 2020 other than those few months and somehow my loan is still at almost {$22000.00}?? Something sounds completely off here. Then the rep proceeds to tell me I was charged {$14000.00} finance surcharge that I wasnt aware of and was told my APR was raised and I was never given the rate.

At this point I dont even know what Ive paid to interest or principal or how theyre calculating it. All I know is now I owe {$740.00} a month for 24 to bring whatever fees and interest current from being late for 4 months straight. 

This company is completely predatory and they are not here for their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I saw an ad on a trusted website ( XXXX ) looking to adopt a puppy, I applied for one and the owner contacted me the next day. The original price was {$75.00} and the puppy was a female, but when I talked to the owner he changed the price to {$120.00} and that the puppy was male. I told the owner that I didn't want to pay until I saw the puppy in person but we came to the agreement that I would pay {$50.00} upfront and the rest when I met him and the puppy. Over time he tricked me into paying another {$50.00} to the vet that was his neighbor. I talked to the vet for a while and they sounded similar and typed in a similar way, and he asked me to pay {$25.00} for his ride which was never part of the agreement. In total I ended up paying {$120.00} and when it came time to meet the puppy and the vet at the chosen meeting spot he never showed up and denied ever getting the last payment. I talked to my bank and they said that he did ( I paid through Zelle on the XXXX XXXX app ), he kept saying that I never did pay and that I needed to send another {$25.00} dollars. I told him that I wanted all my money back. Later that night he tried to call me and asked for another {$50.00} via XXXX. I have all the screenshots, I added them below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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:
About three years ago I was going to switch to open a XXXX XXXX account for my business. This was all done over the phone with XXXX XXXX. We agreed on a package and they were going to send me phones so I can activate the account. Before that I received an email to make a payment to activate the account and it wasnt what we spoke about so I cancelled it never activated the phone and sent it all back. Now three years later this came up on my Experian credit report. 
I am being billed for {$840.00} from T mobile. A collections is on my credit report. I disputed it twice and I am being told it is accurate. I also called the collection agency and they were not helpful at all. Just said to dispute it on my credit report. Please assist on 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 2023-05-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The balance on the credit card is paid, I have submitted receipts and proof from the collection company. XXXX is just ignoring the proof and siding with the reporting creditor without doing a proper investigation. They want me to believe that they completed a proper investigation in 48 hours during a weekend.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: TX

Complaint narrative:
The balance on the credit card is paid, I have submitted receipts and proof from the collection company. XXXX is just ignoring the proof and siding with the reporting creditor without doing a proper investigation. They want me to believe that they completed a proper investigation in XXXX hours during a weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX these companies have violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that their information is inaccurate.

Someone needs to hold them accountable for this the credit Bureau have no respect for the laws. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, CaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these companies have violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that their information is inaccurate. 

Someone needs to hold them accountable for this the credit Bureau have no respect for the laws. 

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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX these companies have violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that their information is inaccurate.

Someone needs to hold them accountable for this the credit Bureau have no respect for the laws. 

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 non-monetary relief
Consumer complaint received 2023-05-22 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX last XXXX XXXX  Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. 
This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  Last reported XX/XX/XXXX {$8200.00} Open balance XXXXXXXX XXXX XXXX Original creditor Report info XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Open balance XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$3800.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$950.00} Open balance XXXX XXXX XXXX  Original creditor

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 2023-05-22 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX last XXXX XXXX  Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. 
This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$8200.00} Open balance XXXX XXXX XXXX Original creditor Report info XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$3800.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$950.00} Open balance XXXX XXXX XXXX Original creditor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On this day, sat. XX/XX/2023 the following happened. Chime denied my dispute over unauthorized use of my banking card. Attached is a copy of the email I was just sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: Revco Management, LLC
State: TX

Complaint narrative:
Paid in full but not corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: DC

Complaint narrative:
Fortiva had my correct address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They decided to change it this month to a false address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is false. 

They credit agency and irs contacted me to notify me of what they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
A letter from Hunter warfield was sent to me and my daughter on XX/XX/XXXX stated that we owed {$6000.00} for rent on an apartment that I co signed for my daughter. On XX/XX/XXXX my daughter was told that the townhouse that she was renting at the time was being sold to another company and she had until the end of her lease to move. My daughter moved forward and found another place to move immediately then in XXXX the leasing company told her that the new company said she could stay after she found a place and put a deposit on it. My daughter respectfully declined told them that she didnt want to stay that she sound a place and put deposit. In XXXX of XXXX we staring receiving letters stating we owe the amount stated above. We refused to pay them because they said she had to move and she had less then 2 months to do so. They sold this debt to another company who has been harassing us since XXXX of XXXX maybe before then. Ive disputed multiple times asking this new company to send is proof we owe this debt and nothing or this day. Hunter wardield has never sent my daughter her deposit and I dont expect they will. I have uploaded document I have sent to Hunter warfield and collection agency with no proof I owe amount

Company response to consumer: Closed with explanation