vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX, Divisions of Corporations, an official State of Florida Website shows XXXX to be registered ( # XXXX ) on XX/XX/year> under a fictitious name. The owner is listed as XXXX XXXX XXXX without an FEI/EIN number. 
The credit fraud and deceit occurred when I gave a company repreentative named XXXX my XXXX XXXX card to pay for it in full. He asked for my phone so he could complete the transaction. He returned my XXXX XXXX, gave me a reciept to sign showing the words XXXX and the last four digit of my XXXX XXXX ] A short time later I received an email from a financial company AFFIRM stating I will pay {$100.00} every month for 36 months which equate to approximately {$3900.00}, adding {$1500.00} in interest. I received no application, terms, or options regarding this credit charge. I was not aware I was to be charged by this company. 
Each time we tried to engage XXXX as to his promise of returnnhis manager XXXX prevented this. XXXX told of us, in XXXX presence, he recalled I wanted to pay this amount if full. He then attempted to placate us by using my phone to enter a Dispute of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The accounts in the FTC report are fraudulent. I do not have any knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
The accounts in the FTC report are fraudulent. I do not have any knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is a follow up on a XX/XX/year> A transaction of {$11000.00} went through to a citi autopay that I did not authorize nor have this citi account. I have called citi about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called citi to have it closed and/or was told I do not have this citi credit card account as far as I remember. However, a transaction was made from my XXXX  under the same citi credit card issue I have complained about it being used not under me. I have asked for investigation from Citi. Citi bank enclosed a letter declining my request for refund and removal from my profile and adamant that I received benefit from this transaction. I have went to a citibank location and they refused to help. I filed complaints to dispute this transaction and citibank decided to turnover to a debt collector - XXXX XXXX XXXX XXXX  to sue me for owing them a debt.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TrueAccord Corp.
State: GA

Complaint narrative:
This is an ongoing dispute with XXXX, True Accord, and XXXX XXXXXXXX XXXX account number XXXX. I've asked that this account be deleted from my XXXX, XXXX and XXXX reports because payments were made through True Accord This dispute is not about me owning any money, it's about me providing proof this account has been paid in full. XXXX is not the original creditor, so they are trying to collect money on a paid account, and an account that's too old to be collected on. I have the letter from True accord. my payment history, and the settlement offer from True accord made on XX/XX/XXXX. My first payment started on XX/XX/XXXX, and I also requested this information from XXXX XXXX XXXX, along with my payment history from True accord, but has yet to receive it, which is a violation of my rights as a consumer. I have a letter that I wrote XXXX on XX/XX/XXXX, XXXX stating that I had settled this account in full from a settlement offer with true accord and nothing was done. It's now XXXX, and still nothing done. Again, I requested this same information from XXXX since they acquired my account from true accord. Where is that information, which by law, is supposed to be given to consumers, when asked? I also have other documentation contacting XXXX about this same account on XX/XX/XXXX and nothing was done. This account was not opened on XX/XX/XXXX, which was the date XXXX acquired this account from true accord. Secondly, how was it opened XXXX on XX/XX/XXXX and the XXXX delinquency was XX/XX/XXXX? You sound ridiculous and it needs to be removed. I've received nothing from XXXX  validating this debt. XXXX, your collection practices are fraudulently and your corporate office will receive a copy of this letter, and the attorney General. 
The fair credit reporting act prohibits consumer reporting agencies from reporting negative information that is more than XXXX years old. Incorrect, inaccurate, or unverifiable information must be removed or corrected, usually within 30 days. I am requesting validation from XXXX XXXX bank, the date this account was opened initially, ,and not when it was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This complaint follows a previous complaint I submitted regarding my XXXX credit card account with Goldman Sachs Bank. In late XX/XX/year>, I applied for an XXXX credit card and received approval on XX/XX/year>. Shortly after, I contacted Apple Card services to inform them of my XXXX ( I am XXXX ) and requested assistance in setting up and operating the credit card. 

On XX/XX/year>, I attempted to use the card, but it was declined due to a restriction. Despite multiple follow-ups, I was repeatedly informed that the matter was escalated and that I would receive a callback within 24 to 48 hours. These callbacks never occurred, and I faced significant difficulties in obtaining any substantial information about my account status. 

On XX/XX/year>, I received an email stating that my account was closed due to a violation of the customer agreement. When I attempted to follow up about this email, I spoke with a representative on XX/XX/XXXX, who confirmed that my account was indeed closed. The representative informed me that notations were put in by upper managementthe same individuals who were supposed to return my previous calls. These notations instructed representatives to not provide me with any further information and stated that the account restrictions would not be lifted and that the account was now closed. The representative also mentioned that I should receive a callback within a XXXX timeframe from raising the escalation. This timeframe has clearly been exceeded without any response. 

The lack of communication, assistance, and failure to accommodate my XXXX has caused significant frustration and inconvenience. I believe that Apple Card services and Goldman Sachs are in violation of the Fair Credit Reporting Act ( FCRA ) and the Americans with Disabilities Act ( ADA ).

**Violations of the FCRA include : ** 1. Failure to provide accurate information and proper notice regarding the status of my account. 
XXXX. Failure to conduct a reasonable investigation of my disputes. 
XXXX. Failure to provide a timely and adequate response to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account XXXX & Account XXXX : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX  v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I reached out to my mortgage company to find out what the numbers would be if I refinanced, they transferred me to the refinance department which is handled by Amerisave I was speaking with XXXX XXXX with Amerisave Mortgage Corp XXXXXXXX ID # XXXX, Mortgage Banker XXXX ID # XXXX, after he gave the numbers, I said I wasn't interested, we ended the conversation and hung up, shortly after I received an email : XXXX XX/XX/XXXX, XXXX ( 6 days ago ) to me XXXX XXXX XXXX Thanks for your mortgage application. Expect a credit decision and rate/closing cost quote soon. The attachment provided details your credit score and how its calculated. As you have not given consent to receive disclosures electronically, a copy of your credit report notice will also be mailed to you. If you have any questions regarding your credit score please contact us. Warmest Regards, XXXX XXXX Mortgage Banker XXXX XXXX # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX East XXXX XXXX, XXXX XXXX XXXX AZ XXXX XXXX Desk Fax XXXX Visit my personalized webpage : XXXX XXXX XXXX  I didn't think anything of it until today I received settlement papers. I called him and he hung up on me, I called my mortgage company and they transferred me to the refinance department which they apparently partner with Amerisave and I spoke with a XXXX, I explained to her that I want to speak with a supervisor regarding this issue, she stated she has sent a message to the supervisor and he'll be reaching out to me. At this point I am very uncomfortable with these people after this incident. I told him that I was not interested and we had ended the conversation with him telling me it's too early to refinance, then why the email and why am I receiving settlement papers?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Untimely Default failed to Respond to qwr Acceleration and foreclosure Referral - failed to provide even info they promised sent substitution of trustee sale with illegal lawyer and improper form conflict of interests deceptive and wont reveal that there are no beneficial owners and that they are making a false claim on a time barred debt which i have tried to settle many times since being accelerateed when current and my payments were never credited, then XXXX transfers, all was witnessed by XXXX now, Transferred to nationstar when i asked boa and sps who they were from finding a deed of trust to nationstar which was placed 11 months after XXXX  transferred and was met with a transfer to nationstar, first assignment was placed not to secure any injury to trust but to come after me specifically and placed after this fund had revoked registration by sec, and paid all holders from future losses there is a greater risk to anyone serviced by nationstar from the forclosure era and financial crisis era we are the unprotected unsettled victims

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX Asked to stop all contact with me. I am still getting phone calls and mail. Also reporting to all XXXX credit agencies without my permission. 
USC 1692 C ( C ) All communications must be ceased.

FCRa section 6o5b No permission was was giving to put anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Since at least last XX/XX/year> Portfolio Recovery has called almost daily from many different phone numbers. They don't leave a message. I have not received any mailed debt collection bills. I have never answered the calls since I don't owe anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NV

Complaint narrative:
I was recently granted permanent discharge status for all of my federal student loans. My loan balances have been reduced from a total of over XXXX dollars to zero on XX/XX/year>. My credit report however says otherwise. I'm trying to get approved for a home loan and am stuck in a stand still until these loans are off of my credit. I've contacted the banks with to no avail.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-07-18 00:00:00
Product: Credit reporting 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: KS

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX Services XX/XX/XXXX The XXXX XXXX is also not my account the others were hard inquiries that I did not authorize or apply to any cards

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 2024-07-18 00:00:00
Product: Credit reporting 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: KS

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Services XX/XX/XXXX The XXXX XXXX  is also not my account the others were hard inquiries that I did not authorize or apply to any cards

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" " '' I demand that inquiries should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! 

"

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