vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: MN

Complaint narrative:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: MN

Complaint narrative:
I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: MN

Complaint narrative:
I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
A month or so ago, I had 2 Cash App cards issued to me, arriving on the same day, without my having ever requested them. It look several hours of my time and 2 XXXX  complaints to get confirmation that the accounts were closed. The company does not have a dedicated call line to get the issued resolved. 

To my great annoyance, a new card arrived today. I have no interest in ever having a product of this company associated with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-28 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 have previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have been paying Experian for a couple years for credit repair the boost option wont show my phone bill payments or other monthly bills it give me a credit card offer from XXXX bank after my score was going up I setup auto payment then the bank wasnt taking my payments the app wouldnt let me log in it keep telling me my info was incorrect then I revived a call a couple months later and I explained I had moved and couldnt log in I made a payment and requsted to set up autopsy they took payment and said soon as I hung up it would let me log in it still wouldnt and I called number back but it wouldnt let me call I think Experian is a scam and deliberate do this to people so they will keep paying them now I cant even find on site for them to stop billing me for service I feel is a scam

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 2022-03-28 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: IL

Complaint narrative:
I have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: IL

Complaint narrative:
I have previously disputed with XXXX experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander Consumer USA has a charge off on my credit for the amount of {$21000.00}. My car was totaled and they received an insurance payoff of {$21000.00} they received a payment of XX/XX/XXXX maintenance refund of XXXX and XXXX refund XXXX and Gap payment XX/XX/XXXX {$5900.00} Insurance company payment {$13000.00} received on XX/XX/XXXX. Payments received are for a total of XXXX. The charge off amount should be XXXX. The charge off amount of {$21000.00} should be {$6700.00}. I have called the institution and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
OneMain Financial has failed to honor my numerous opt-out requests from their USPS marketing mailing list. I have requested One Main Financial, verbally, in writing, and through XXXX  complaints, to cease contacting me in any manner, including removing my name and address from their marketing lists. Yet, I have continued to receive loan offfers from them. This has been going on for years. OneMain Financial checks my credit without my knowledge or authorization for the purpose of sending me loan offers in the mail despite being asked to cease contacting me. I will now move to file a complaint with the Indiana Attorney General 's Office. Next step will be legal action from my attorneys at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: GA

Complaint narrative:
My complaint is Greensky llc, the company the CFPB issued a consent order against.A failed waterproofing job by XXXX is my connection to Greensky. Installation XXXX, their work and eguipment failed ( sump pump ) XXXX weeks later someone came out, rep could not diagnose problem spent more time on phone with manager than speaking with me and my wife, never heard from again, I stopped making payments, when XXXX stopped working {$1500.00} so far. I never contacted XXXX again, I informed Greensky of situation I assumed they contacted contractor and they made a surprise service call after XXXX weeks, I did not allow them in because all faith loss in XXXX XXXX employees quit during my job including the initial rep that wrote the work order job knowing he had a new job or at least had applied, in a month he had quit company before my installation.Quoting from a class action law suit " Greensky is a rent a bank scheme giving the actual lending power to the contractor ", quoting " never take a loan with them they let the 3rd party business keep the money and you get your credit decimated, the 3rd party keeps the money for doing nothing ''. This is what I just experienced Greensky letting XXXX keep the money in my case for making situation worse. {$3000.00} spent on replacement supplies ( Sheetrock, molding, paint, insulation, labor etc. ) I do not not want my credit decimated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: OH

Complaint narrative:
I checked my credit reports and found that Transunion is reporting a negative collection account I have no knowledge of, did business with, or gave permission to furnish any information on my credit file. This isn't the first time Transunion has violated my rights as a consumer and placed false information on my credit report. I was not provided any written validation or verification from either Transunion or XXXX, XXXX providing proof of any of these claims. So why is this on my credit file? The alleged debt collection that's reporting is from XXXX, XXXX for {$120.00}. I do not consent to this information being placed on my credit file and I do not owe a debt to ANYONE. I mailed Transunion a detailed letter via certified mail demanding they provide me complete proof of verification and the steps they took by law to verify this debt is mine. I have not received a response as of yet.

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 2022-03-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
the car was pick up in 2019 and sold i quess but the company is still wanting me to pay XXXX for them to remove it from my history thank you

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 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
Zwicker and Associates sent me a letter on XX/XX/2021 about an alleged debt owed to XXXX XXXX. I sent a cease and desist as well a debt validation letter with a green receipt that was received on XX/XX/2021. For the validation of the debt ZwickeXXXX sent me statements and terms and conditions pages. They never provided me the address and name of the original creditor. They have since taken legal action against me and filed a lawsuit. This is a violation because a debt collector can not be an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On XX/XX/2018 my husband passed away. I had a problems with your bank that refused to give me any information on my husbands accounts. This bank told me that a XXXX XXXX called your bank and announced that me XXXX XXXX gave him my husbands law business. I informed the the bank that was a lie. XXXX XXXX Was listed only if he chose to purchase the law practice. But he refused. In the event if my husband died. This XXXX XXXX called the PNC bank before I chose to act on the Will, which I have not read the Will nor did I act on any executive matters because XXXX XXXX had the Will in my husbands office. I was totally breaking down and ask to speak to the manager. The manager but me out of the bank without giving me any information. This bank allowed the man XXXX XXXX into my husbands bank account and gave this man as well as XXXX XXXX the paralegal in the law practice all the information on my husbands accounts. I was very ill for days alone with the grief. I begged this bank to help me, t needed information on this account and accounts from clients. I had court probate papers. XXXX XXXX only made a phone call and your bank helped XXXX XXXX To steal my husbands law practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: AZ

Complaint narrative:
Wells Fargo {$350.00}

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 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX, there was someone that hacked into my Navy Federal Credit Union online account, by using stolen credentials. Somehow the intruder was able to gain full access to the account without my knowledge and was able to send themselves a fraudulent wire transfer of {$1500.00} of my money. This money was sent to an account banking with XXXX XXXX, based in XXXX. I have tried to reach out to XXXX XXXX and they are not answering their phones. Navy Federal states that there is nothing that they can do except try and contact XXXX XXXX via mail, but by law, XXXX is not required to return the money, nor respond to their requests. Meanwhile, I am now experiencing financial hardship due to this and Navy Federal is not willing to return the money even though this was a security breach and complete security failure on their end!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: DC

Complaint narrative:
Hello, my loan company ( LoanDepot ) is dragging their feet in removing PMI from my loan after I met all of the qualifications in XX/XX/XXXX. I have contacted them several times recently ( originally in early XXXX, again around XX/XX/XXXX, and again on XX/XX/XXXX ), each time I was told that I would get a " resolution '' on my request to remove PMI in a few days. They have failed to contact me as promised each time, and each time I call, I speak to a different person who needs more time. I haven't been able to get any clarity on what is taking so long, but they genuinely seem to be intentionally dragging it out as long as possible in order to continue collecting extra payments. 

For context, I submitted a written letter in early XXXX formally requesting PMI removal as their policy requires. They confirmed receipt of the letter on or around XX/XX/XXXX. I have never missed a payment on my XXXX year loan and am in good standing. 

I have tried resolving this with LoanDepot, but I no longer believe they are operating in good faith. The last time we spoke, I let them know I would be filing a complaint if they failed to give me an update again. I was assured a manager would contact me no later than last Friday ( XX/XX/XXXX ), which they did not do. 

Once the XXXX payment is pulled, that will mark XXXX full months of extraneous PMI payments made to LoanDepot after I met all requirements for PMI removal and submitted a formal request to remove it as per the Homeowners Protection Act ( HPA ) guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Social Finance, Inc.
State: VA

Complaint narrative:
On XX/XX/2022, I paid my SoFi personal credit card statement balance in full ( over {$2500.00} ). The credit card company 's own app showed that the payment posted ( not pending, but posted ) on XX/XX/2022. The payment is also shown as having been drafted from my checking account at another bank. I have tried to use the card, but it is being declined. I called customer service and was told that the payment posted but that I would need to wait another 2-5 business days before the payment would actually be credited to my account. I don't understand why they are showing the funds as posted, drafted out of my deposit account, but SoFi will not acknowledge that payment for several additional days. I have never missed a payment and have not overdrafted this account. It appears that the card company is using my funds for several days before after the payment is shown n SoFi 's system as having been posted. This practice of essentially holding funds for a week is depriving me of my use of the funds without compensation. At minimum, it is deceptive and misleading to relay to a consumer that a payment is " posted '' but then failing to actually apply it to the statement balance for several business days. This has caused embarrassment to me when the card was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, a federally protected consumer and I am making a complaint against Monarch Recovery Management , Inc. regarding an account that they purchased from XXXX XXXX XXXX. I have sent your company several correspondences, however, they always seem to go unanswered, and this alleged debt continues to remain on my consumer reports with no regards to how this affects me. First, I would like to state that I have never given Monarch Recovery Management , Inc. any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences, I have still not validated any alleged debt with Monarch Recovery Management and while I have not validated such a claim of debt this, in turn, it can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX XXXX, MONARCH RECOVERY MANAGEMENT, INC., and myself, giving Monarch Recovery Management any right to collect on this alleged debt. It is my belief that Monarch Recovery Management is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.

Company response to consumer: Closed with explanation