vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 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: WA

Complaint narrative:
To Whom It May Concern : Experian is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is XXXX XXXX XXXX. Experian has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. The same collection company has closed and removed this collection off my credit report on XXXX. When disputing this item Experian came with an update or verified within 2 days of filing dispute. They did not do proper investigation. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.

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 2021-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Finco Holding Company LLC
State: UT

Complaint narrative:
On XX/XX/2021 XXXX XXXX mst I received an email from the Equitable finance company in XXXX Utah which is attached that today your auto loan is 29 days past due and I needed to contact them to set up a plan so we can avoid further action. The company has disabled the car on XX/XX/2021 2 days after their 10 day grace period. We contacted them immediately to find out what is going on at that time they encouraged us to form a plan of borrowing money from our parents our friends our family anything just to get them paid we explained multiple times we don't have those options that if they would just reenable the car that I would have a job in no time but they wouldn't hear anything except " we have your money '' like they were drug dealers or mob bookies. We have paid them XXXX as of today and loan amount is XXXX and are absolutely unwilling to work with us in any way shape or form we pay an interest rate XXXX or XXXX unsure which since they are both on the contract. Whenever we ask the company for clarification on anything on the contract they know nothing. Fast forward to XX/XX/2021 XXXX mst my daughter was on her way to work and comes inside to inform us that there is a tow truck getting our only car. When I went outside the 2 boys who were doing this began to panic and when I asked who they were neither would answer the one operating the controls looked down and would look up again and the other asked me for the key I refused and asked what he was doing and was again ignored so I went inside to call the equitable finance company I was put in touch with the asst manager who knew nothing of the repossession that was currently happening her boss which knew nothing kept being referred to refer to your contract and I have referred to the contract there is no provision that 29 days is repossession time there is nothing in the contract whatsoever to remedy such acts the contract is as basic as it gets when asked what their policy is their responses always well we're a subprime blah blah blah blah blah when pointed out that subprime is not a legal term but a banking term they become dispondent and act like they don't understand what I mean at this point the manager gets on the phone and repeats endlessly that this is a subprime loan company refer to your contract and that's the end of that I have tried for 2 months to work with them and gotten nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was unaware of this account until it showed up on my credit report. Someone opened this account fraudulent with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: NV

Complaint narrative:
I am reaching out as I have before since I have not got any resolution in regards to inaccurate information reporting to my credit bureaus for Trans Union. I am not going to reach out to the creditors directly due to each credit bureaus reporting the information. I need the below inquires removed immediately off all of my credit bureaus or provide me with proof an application or document that shows I applied for credit. This needs to be removed immediately per FCRA if inaccurate information is reporting the credit bureaus have to correct and remove inaccurate information. All of these applications are fraud I have a fraud alert on my credit bureaus an no one has contacted me when extending or someone applying for credit My name is XXXX XXXX XXXX XXXX XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Transunion : XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX 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 explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX of 2021, I experienced a credit card fraud through a hacker who was impersonating one of my close friends using social media ( XXXX specifically ). He asked to send me a little bit of money at first claiming that he was doing something with stocks. Then, he continued to ask me for more and more money saying that I will not be able to receive my money back until I had sent him more money. I sent a total of {$8500.00} using XXXX, XXXX, and XXXX. As soon as I found out from my actual friend ( the one that the hacker had been impersonating ) that it was a fraud, I contacted my bank. They asked me what happened and I gave them my answers and they told me that they would investigate this information. However, later I saw that the case had been resolved with no refunds because I had made the transaction. I re-opened my case with some proof ( screenshots from XXXX  messages of me and the hacker and text messages from my friend saying that he had been hacked ) to show that this case was a fraud to get my money back. A few months later, I got another letter saying the same thing with no additional information. I even went into the bank to talk about this with someone but they simply told me I had to submit documents and proof and wait for them to say something. I lost so much money because of this fraud, and this almost a year 's worth of my college tuition. I don't know why the bank continues to resolve my case ( without any disputes ) even with the all the proofs that I could possibly gather from my interaction with the hacker. I really need this money back and I don't know what else to do at this point after months of waiting and trying to get my money back.

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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CO

Complaint narrative:
On XX/XX/XXXX my wallet was stolen along with all of my cards that were in the wallet. I didn't even know that it was gone until I got a text from my bank saying that I had just changed my pin, and if it wasn't me to give them a call. So I called them and told them that it wasn't me. When talking to the customer service agent I proved to them that it wasn't me, but by then, the person had already drained my account. The bank will not return my money. They said that they had conducted an investigation and their excuses for not repaying me my money were ridiculous. I provided them with the police report and all the information they had asked for, and yet they still will do it. I know that I was not within the XXXX guideline that they requested, but at that time I was in the midst of a XXXX bout of XXXX XXXX and was on XXXX XXXX XXXX and had really no clue what was going on. The day after I had my XXXX to remove the XXXX XXXX I got them their paperwork. I don't believe I'm even allowed to do such paperwork when on such extreme medication. The bank sent me the results of their investigation and they are so wrong it's incredible. I feel like they violated me all over again and that they have the thief 's back and not their customers back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft SANTANDER BK Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-12-18 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:
I have spent many months disputing wrong and inaccurate information on my credit report. they have fail to properly to investigate or correct the many problems they have on my report. Everytime i dispute something they send back an generic response saying that the information have been verified. i have even sent in a police report for a few accounts still nothing. the cant even provide the proper documentation to show that the account belongs to me. they don't sent me anything but a copy of my 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 non-monetary relief
Consumer complaint received 2021-12-18 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:
I have sent several letters to Experian disputing an inaccurate and unverifiable collection account. They proceeded to tell me- in writing - that the account was accurate, while refusing to provide proof of accuracy by FCRA standards. I plead for proof in several more letters, but Experian was steadfast. Another credit bureau ( XXXX ) saw the error and deleted the account in question. I sent proof of their deletion to Experian, but they responded and said that the account was accurate. I do not believe they are doing thorough investigations, and I now believe that they are simply regurgitating pre-designed responses without considering proof of any kind. This company ( Experian ) is almost single handedly ruining my life.

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 2021-12-18 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-12-18 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: FL

Complaint narrative:
I have spent many months disputing wrong and inaccurate information on my credit report. they have fail to properly to investigate or correct the many problems they have on my report. Everytime i dispute something they send back an generic response saying that the information have been verified. i have even sent in a police report for a few accounts still nothing. the cant even provide the proper documentation to show that the account belongs to me. they don't sent me anything but a copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: FL

Complaint narrative:
I have spent many months disputing wrong and inaccurate information on my credit report. they have fail to properly to investigate or correct the many problems they have on my report. Everytime i dispute something they send back an generic response saying that the information have been verified. i have even sent in a police report for a few accounts still nothing. the cant even provide the proper documentation to show that the account belongs to me. they don't sent me anything but a copy of my 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 non-monetary relief
Consumer complaint received 2021-12-18 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: MN

Complaint narrative:
On XX/XX/XXXX, I received a copy of my credit report from Equifax. That report included the following information, furnished by you : 120 Days Late Payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Under the required proof of Adequate Federal Reporting Compliance, such as Metro 2 and the Fair Credit Reporting Act standards, Im requesting XXXX XXXX XXXX XXXX affirm and confirm the creditor classification codes, the exact and complete sequenced Metro 2 data formatted 426 character P-6 statements, as well as all applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect, each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non-transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged. 

I do not consent to E-Oscar reporting and am requesting evidence of every alleged late payment. Every Late Payment reported against me needs to be in compliance with Metro 2 compliance standards. 

Federal Privacy Act of 1974- 5 U.S. Code Section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens. 

I wish to know if your office- XXXX XXXX XXXX XXXX has violated Minnesota or Federal Privacy Laws by providing or giving permission of the above-referenced matter to Equifax. 

Under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies. 

This negative information is damaging my credit. Please promptly contact Equifax and remove this information from my credit file immediately. 

Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX. On the XXXX, I sent money through this organization ( remitly ) and then canceled the transaction and since then the money had not refunded to me despite several attempt to get the money refunded. The money was in the amount of {$100.00} and the transfer fee of {$4.00}. I was asked to contact my bank with a ref number which I did, and it was confirmed that the money had not been refunded. I even put a representative of remitly on the phone with my bank to confirm that the money had not been refunded, yet nothing happened. I had made several phone calls to Remitly and nothing happened. The name of the recipient was XXXX XXXX XXXX in XXXX XXXX. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation