vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 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: IL

Complaint narrative:
I've tried for close to a year now to validate the alleged debts Equifax continues to claim verified and falsely leave on my credit report. I have written request to validate letters to the address they have on my credit report and my mail comes back to me as undeliverable. I have tried to call the XXXX number listed for them as well and it is a complete spam number that leads to someone in XXXX. I have attached screenshots of my credit report with the information they have reporting as the contact information for the US DEPARTMENT OF EDUCATION. This has been an ongoing issue with Equifax to properly address my concerns and I have frankly been an emotional wreck. I can't sleep or function because my brand and character are being negatively impacted by this false debt being attached to my credit report. I am demanding once and for all as a federally protected consumer that Equifax REMOVE THIS false claim before civil litigation is pursued. Equifax states this information is accurate and true, updated every month but it isn't. As a credit reporting agency they are completely violating the Fair Credit Reporting Act and emotionally destroying a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: GA

Complaint narrative:
I opened my bank account with SoFi in XX/XX/XXXX and have not had any issues. I suggested the bank to my roommate and she joined XX/XX/XXXX. We both have check books in the kitchen drawer and she wrote me a check for rent, I wrote her a check for furniture. I deposited the wrong check and immediately contacted them to let them know it was a mix up and to cancel the check but they froze my account. There is NO live agent to speak to, they only have a voicemail set up and say to wait XXXX hours to receive a call back. I have now called over XXXX times and have left several voicemails with no returned call. I have XXXX children and an elderly parent to take care of and this has caused me so much stress. They do not prioritize their customers and they dont even have a real fraud protection team to answer the phones, its all a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
on XX/XX/22 of this year I recently got an email from Experian saying they took my credit score away permanently without any explanation of why I called the company Several times but kept getting a record ed message no one would answer the phone telling me to go online to get in touch with them which I did several no response back from them about all of a sudden change now I have no credit score upon my research they are trying force to by products and services to pay them a upgrade fee for my credit score which I can't afford right now this practice is for illegal and needs to be looked into because I have free account with them now they want to pay for something I don't want or need right now and can't afford people are struggling I trusted them but not anymore I tried to close my account as well can you please investigate and find out why there doing this please thanks 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 2022-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WV

Complaint narrative:
The alleged debt which was previously held by XXXX XXXX XXXX was sent to collections that negatively affected my credit score. The alleged collection was disputed and deleted off my account on XX/XX/XXXX. On XX/XX/XXXX a different company by the name of Enhanced Recovery Company has reentered the alleged debt into collections once again negatively affecting my score that was just fixed due to improper reporting of said debt the first time. I believe Enhanced Recovery Company Violated the law by not notifying me and reinserting debt into collections that wasn't valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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 — Investigation took more than 30 days
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I had another account dispute open, it was closed. All my accounts are update, as the rep explained to me. I received 2 different emails for each card saying they are working, for use. Today I tried to use one of the cards again decline, they man at the gas pump say let him try and decline. Call upgrade, they say all accounts are current, they see the decline, the cards are active. They need more time to fix the issue. I hold off on paying one of my accounts until they fix all my accounts. Right after they said they were fixed, I paidnthenlast account just to find out my still being declined for cards that are automatically paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc.
State: MA

Complaint narrative:
I am writing to file a formal complaint/claim against XXXX for its negligent handling of my debit card disputes. Not only has XXXX denied my disputes, but it has also neglected to address concerns and disputes I have raised about its investigation procedure in several email exchanges with its customer support. Furthermore, it is refusing to dispute additional unauthorized charges I have found and filed with the same merchant. 

In several email exchanges with XXXX, I have voiced concerns about its third-party investigator 's ( XXXX ) approach to investigating the unauthorized charges and expressed it was a biased review and not one that was done in my best interest to help me get the money back. I also filed a police report with the XXXX Police Department, as well as an FTC ID Theft report and affidavit, yet the police nor the FTC were ever contacted as part of the investigation. 

Currently, my account sits at negative - {$1900.00} due to this. I have sent a Demand letter to XXXX asking for it to credit my account in full for the unauthorized charges I have disputed, totaling {$4400.00}. 

XXXX has told me that it will not honor it. 

I am attaching my Federal ID Theft report as well as a police report, and I have several documented email exchanges that I will present to the Attorney General 's Office in Massachusetts in the event that this does not get resolved through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SinglePoint GI
State: IL

Complaint narrative:
I recently checked my credit report and saw that GENERAL REVENUE CORPORATE ran an inquiry on my credit report without my permission. Under the Fair Debt Collection Practices Act my social security card is my credit card and it was used without my consent. They have never sent me anything in writing asking for my permission to run my social security number now have they even informed me that they ran it and this was a month ago. They are committing aggravated identity theft and a report will be filed with the FTC because I have no idea who this company is or how they accessed my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This bank treated me horrible during covid they reported me late on XXXX are reporting me late 30 days when I called them To make payment arrangement and they agreed they would give forgiveness and not report me late they are ruining my credit score shame comenity bank sucks and XXXX is out of business they should remove this late mark off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: GA

Complaint narrative:
Account Number : # XXXX Date : XX/XX/2019 I sent out a letter to The bureau of Equifax stating this collection debt is inaccurate & a result of identity theft, they also dont provide the name of the creditor. I would like for this debt to removed from my credit profile asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: SD

Complaint narrative:
I received an RV loan in XX/XX/2020 from Bank of the West through the RV dealership. 

They included extended warranty coverages that were not explained to me and I never received documentation for the details until I had to contact the warranty companies and cancel. They applied credits to my RV loan, and the bank processed in such a way that I had " no payment due ''. 

However, I continued to make monthly payments. I do not receive any statements so when I log on, they provide a transaction history showing almost ALL payments have been applied to INTEREST and nothing going toward principal. And NOW they tell me the loan is past due ( after no-payment-due ) which is double the monthly payment! 

Is this bank a legitimate banking operation in the United States? Is it FDIC insured and allowed to make loans? From online review resources, they are ruining people 's credit with their nefarious practices.

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 2022-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: VA

Complaint narrative:
Hello, I overnighted a payoff on XX/XX/2022 and the funds were received on XX/XX/2022 and have yet to be applied to my loan. When I call, I'm told they will not back date my payment ( stealing interest from me ) and it can take 10 business days to apply my funds.

I've asked to speak to a manager several times and am never given one to talk to. 

XXXX tracking information XXXX Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OPORTUN FINANCIAL CORPORATION
State: AE

Complaint narrative:
Multiple calls morning from nights. When trying to arrange payments they deny the amount and want me to pay the exact amount. They told me borrow money from friends or family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financial refuses to remove negative payment history from my credit reporting. 

I purchased a XXXX XXXX XXXX for my husband in XXXX of XXXX, but we have since been divorced. The divorce filing was finalized on XX/XX/XXXX, which states, Husband shall retain the XXXX XXXX XXXX, titled in his name, free and clear of any claim of wife. XXXX shall be responsible for the loan on this vehicle to Ally, held XXXX name, holding wife harmless from collection there on. 

I filed a dispute with XXXX in XX/XX/XXXX. On XX/XX/XXXX XXXX reported the my credit file had been updated, but the negative payment history was not removed from my report and my credit file was updated and it was suggested that I reach out to the lender to file a dispute with them. 

I contacted Ally Financial on XX/XX/XXXX and was given a direct fax number to the department that handles their disputes. I faxed a copy of my divorce decree to support the dispute on XX/XX/XXXX. I also filed disputes with XXXX, XXXX and XXXX at that time and provided supporting copies of my divorce decree. All have resulted in some sort of update to my credit report, however, the negative history remains. Additionally, I received a loan extension agreement from Ally dated XX/XX/XXXX. I was never consulted about the extension agreement prior to being put into place. 

This is very damaging to me as I was forced to purchase my home at a higher interest rate, and am currently trying to refinance, but am unable to until my credit score increases and the {$20000.00} debt no longer impacts my debt to income ratio. Per my divorce decree my ex husband, his lawyer and Ally Financial had 45 days from finalization of the decree to have this issue corrected. As a result, Ive paid an incredibly significant amount in interest on my home loan that was unnecessary and has put me and my children under significant financial hardship.

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 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Was in hospital with a concussion and had someone try and pay this account. It is paid in full each month. PayPal and Synchrony Bank ( CREDITOR ) made it impossible to get a payment processed and then initiated " ROBOCALLS '' to my cell phone ( being forwarded to business associates ) that caused a great deal of embarrassment.

The only account I maintain is a PayPal XXXX XXXX and Creditor opened a second account, XXXX 1910 XXXX XXXX, without permission, that did not include the 2 % cashback value. 

The XXXX account does not reflect credits for returns of {$2800.00} and is attempting to collect interest and late fees as a result. 

The unauthorized " second account '' opening not only deprived us of the 2 % cash back but allowed Creditor to add another {$29.00} late fee and {$2.00} interest. Again, the Creditor made it impossible to make a payment on this account by my associate. 

The Creditor made it impossible to make payments as it required excessive security protocols.

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 monetary relief
Consumer complaint received 2022-03-13 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: VA

Complaint narrative:
On XXXX, I XXXX XXXX XXXX the consumer, notified XXXX, EQUIFAX, & XXXX ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by XXXX, EQUIFAX, & XXXX. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have two capital one credit cards and one is a XXXX card and I am the kind of person where if I charge something on my card its usually paid off within the next week or so I paid off right away before I even get the bill. I had one return payment by accident because I entered the wrong bank account one that I had stored on my telephone that have been closed and I called them right away and rendered the situation and made the payment again and it cleared immediately and they have put a 26 day hold on 250+ dollars. The funds cleared my bank immediately and they have just had my money now for almost 26 days and I had a medical emergency this morning and they would not release the funds for a life-threatening event and they have clearly had my funds for almost a month. Not one person at that bank can tell me why they held my funds and theyre holding my funds and theres more than 250 theres several payments behind small ones because I just kept paying on this card to show loyalty and that Im a good you know, citizen who pays their bills. I was in a almost tragic head-on collision a year ago XX/XX/XXXX, and my all my accounts were very inactive for many months because I had to learn how to walk and talk and live again and when I was able to finally get someone to help me I had them call into all my banks all my accounts of them know that everything was it zero, but they started punishing me for an active activity and then punishing me when I started using it another punishing me for paying it off. How is it legal for them to hold my funds for that many days? Ive heard of three or four day holds but a 26 day hold on {$250.00} it cleared the bank immediately and went to their bank and they just can hold onto my money I consider that theft. And when I needed it for a medical emergency it was life or death and they would rather hold {$250.00} rather than help save somebodys life. There was no compassion there was no professionalism they were pretty brutal and I dont understand it. I want them to be held responsible for their actions and for the trouble they have endured me today with getting medical attention and the fear that I live in this very moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX has reported I had a late payment on XX/XX/2022. This was XXXX fault, not mine. Spoke with XXXX and was corrected on their end. I was instructed to contact credit bureaus to open a dispute, so they could correct my credit reporting and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I discharged both my American Express bills, they cashed the negotiable instrument. But not for the complete amount of coupon. UCC3-603 states if they endorsed the back of the negotiable instrument which they have. Then all debt should have been discharged. I will be contacting the attorney general about this matter of extortion from American Express. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I would like my personal information correct.

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 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation