vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: NJ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I am looking to receive a refund on an over payment made to a closed account. 

On XXXX I paid my final monthly payment on my old vehicle. This turned out to be an extra payment when the account was closed. I was not notified by email or phone and a check was sent to my old address. This address was not updated on my old account because I moved after the final payment was auto drafted several weeks prior. I found out by checking the Massachusetts state treasury site that Ally auto had sent this check to me and it was never cashed. 

I have now been in contact with ally auto and they confirmed my account and the check amount of XXXX. This amount matches the states record. I have an open case with them under case number XXXX. 

When I spoke with them XXXX I was told my check would be mailed to my current address and to reach out to them after XXXX business days if I did not receive it. Now when I called to check on the status I am being told I need to reach out again and that it will take 6-10 weeks to process my request. 

The amount has been verified both by the state and the company. I would like this matter to be resolved with a more appropriate timeline. Please respond with a contact number or email I need to help settle 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 2023-04-27 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: NY

Complaint narrative:
I want you to update this account as I am never late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
The complaint is with Ability Recovery Service. I was involved in an auto accident in XXXX. There was a medical bill that was PAID. It went to collections by accident, and I was able to successfully dispute it, as it was already paid. Ability Recovery Services contacted me on XXXX about a medical bill that they would not fully disclose. They informed me that if I did not pay them, they would have the police come and arrest me. They also insulted me in several terrible ways, calling me a financial failure and telling me that I belong in jail for not paying my debt. I told them that I had already successfully disputed this, then they told me they would be sending the police to determine whether I was a liar. I was at work during this time, minding my own business and it really upset me because I was not expecting someone to call and talk to me like that. They keep calling and I just want them to stop. Every time, they progress with the insults. This is not even a real 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 2023-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We live in a condo and in our Association fees we pay for insurance coverage, including wind mitigation for external and internal. Our Lender, Freedom Mortgage, is claiming the wind policy excludes for improvement/betterment and are forcing us to pay an additional $ XXXX for a policy through them. I have sent them all of the documents, proving there are no exclusions in the policy, and that, in the circumstance there is damage to property outside and inside, regardless of renovations, the property is covered. They do nothing but send the exact same response. Also noted, our Association has had the same coverage since we moved in XX/XX/2018 and the Lender approved this policy as valid coverage for previous years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
All my data was sold by XXXX and possibly to many other unknown companies starting several years ago potentially as far back as 2007, even during my time in the XXXX XXXX. Between then and now I am not sure to what extent my personal identity and information has been breached and shared. There is an XXXX XXXX account that I am not aware of in collections. There are three unknown hard inquires on my report as well. There is also a XXXXDept of Ed account that should not be there, as that loan is not valid because the original loan was cancelled as a result of a class action lawsuit ( Sweet v. Cardona ) XXXX I also did not give, authorize, or provide any WRITTEN CONSENT for any of the information shown on my credit reports of which are being reported by these reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: WA

Complaint narrative:
All my data was sold by XXXX and possibly to many other unknown companies starting several years ago potentially as far back as 2007, even during my time in the XXXX XXXX. Between then and now I am not sure to what extent my personal identity and information has been breached and shared. There is an XXXX XXXX account that I am not aware of in collections. There are three unknown hard inquires on my report as well. There is also a XXXXDept of Ed account that should not be there, as that loan is not valid because the original loan was cancelled as a result of a class action lawsuit ( Sweet v. Cardona ) . I also did not give, authorize, or provide any WRITTEN CONSENT for any of the information shown on my credit reports of which are being reported by these reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, my mother sent me a photo of a letter mailed to my old residence from Westlake Portfolio Management. After reading the letter, which I've provided as evidence, I contacted the phone number listed to ask for verification of the debt and to dispute it as I signed a Release of Settlement in XXXX of XXXX, and had the car returned in XX/XX/XXXX back to American Car Center, whom filed bankruptcy on XX/XX/XXXX. I was released from my agreement after I had to file a complaint with the Tennessee General Attorney for failure to provide a written contract from American Car Center after several attempts. Due to not having a copy of my contract upon exiting the dealer, and having to move for my husband 's work, I was unable to provide proper communication for the car to be returned to TN, and due to the fact that MA does not allow American Car Center to license any leased cars in that state, I returned the car, signed the release of settlement and never heard from the car center again, until XX/XX/XXXX when they sent my account to Westlake Financial. I've called several times, left several voicemails and sent XXXX emails with proof of my dispute of the debt, with no status update or resolution. I've had aggressively defensive reps question whether I'm legally allowed to ask for the original creditor to verify the debt, to some helpful reps who've provided emails and contact info, but as of XX/XX/XXXX I have neither received an answer, update or resolution. I also had a rep falsely list my account as cease and desist on XX/XX/XXXX, when I asked for not such action, and as a result the Westlake claims they can not provide written proof/documentation to me from the original creditor. Considering I had difficulties in receiving my contract from American Car Center, and the resistance from Westlake Financial Services Portfolio management, I felt I needed to submit a complaint for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: PNC Bank N.A.
State: LA

Complaint narrative:
I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. PNC Bank XXXX. XXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. Bank of America XXXX. XXXX XXXXk XXXX. XXXX XXXX XXXX XXXX XXXX. Second Credit check was done by 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 2023-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I returned something on Amazon but somehow along the way, Amazon didnt scan my package into their returns even though it was scanned and delivered on XX/XX/04. I reached out to Amazon and they kept telling me to wait 30 days, then it got pushed out to 60 days, then finally at 90 days they said they couldnt help. I have the XXXX tracking number saying that it was returned and I have the initial update that Amazon knew that the return was coming. I reached out to Chase multiple times since XXXX and they kept taking Amazons claim that they needed proof of the time being returned. How can I get proof if I dont work at the warehouse?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
I was in the hospital and unable to communicate with the lender at that time. Once I came around and actually got possession of my phone I sent my son with my debit card and a note to make the payment for me. I did this on Monday XX/XX/2023. They refused to take the payment because I now owed more than one. I was able to get a call through to XXXX @ XXXX and explained to her that I had been in the hospital since XX/XX/XXXX and that all I had the ability to pay was the one payment, which she took over the phone. I also asked that the phone calls to my place of employment cease because we are not allowed to receive any type of personal, debt collection calls etc.. at work. ( This was also stated in the note my son had from me that they refused to accept. ) 15 U.S. Code 1692c - Communication in connection with debt collection states that : Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
I was notified by my supervisor yesterday on XX/XX/2023 that they called my office 3 times and I was again counseled that I can not receive these calls at work. I feel that they are purposely causing me more distress and possible loss of employment. I am doing all I can to get better and caught up on my payments but I do not need the added stress of possibly losing my job because they continue to call my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB INC After reviewing my credit report i have noted some discrepancy onvalidation was requested and none was provided. I have not received any correspondence from them only harassing calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I received an negative mark from Credence Resource Management LLC on my XXXX XXXX Credit report. I disputed that it was mine since I have never ever used the original creditor ( XXXX XXXX XXXX in my life. Rather than send me out proof that this debt is somehow mine they sent me a form for fraud or identity theft. They are asking for copies of my driver 's license, affidavit and a police report. I find it absolutely absurd that I have to jump through hoops to prove my innocence due to their incompetence. 

Sincerely, XXXX XXXX XXXX Credence Reference ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
All my data was sold by XXXX and possibly to many other unknown companies starting several years ago potentially as far back as 2007, even during my time in the XXXX XXXX. Between then and now I am not sure to what extent my personal identity and information has been breached and shared. There is an XXXX XXXX account that I am not aware of in collections. There are three unknown hard inquires on my report as well. There is also a XXXXDept of Ed account that should not be there, as that loan is not valid because the original loan was cancelled as a result of a class action lawsuit ( Sweet v. Cardona ) XXXX I also did not give, authorize, or provide any WRITTEN CONSENT for any of the information shown on my credit reports of which are being reported by these reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX charged three monthly unauthorized charges of {$9.00} from XX/XX/2022 through XX/XX/2022 to my XXXX XXXX account even though I only authorized payment either through my Bank XXXX XXXX checking account ( primary ) or my XXXX XXXX XXXX ( secondary ) for online purchases through XXXX ( which was ultimately for an XXXX membership ). This is reflected in XXXX 's own settings, which only note my XXXX  XXXX XXXX checking account and XXXX XXXX account as the authorized forms of payment for XXXX charges. This is further reflected in each of the transaction details for the XXXX, XXXX, and XX/XX/2022 charges, which show the funding details as my XXXX  XXXX XXXX checking account or XXXX XXXX account as backup options. Each says " Paid by Bank Account, '' not XXXX XXXX. So either XXXX incorrectly charged my XXXX XXXX Account despite stating in their own records that they charged my Bank Account, or they charged me twice through my Bank XXXX XXXX Account ( or XXXX XXXX ) and XXXX XXXX. To be clear, I never authorized XXXX payments to be through my XXXX XXXX Account. This is why I was not aware of the three charges pending on the account, and they went past due. Because they were never authorized. I contacted XXXX about this by submitting online disputes and calling them multiple times. Some customer service representatives even acknowledged the mistake, but they insisted I should just wait the 7 years for them to drop from my credit report. I then submitted two credit report disputes that included the payment settings showing I never authorized charged to XXXX XXXX to each of the three credit bureaus, and my disputes were rejected both times. Now, I submit this dispute to you given that XXXX and the three credit reporting agencies never appropriately addressed these fraudulent charges to my XXXX XXXX Account. There never should have been a balance on the account for it to go past due, unpaid, and then closed by XXXX XXXX without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
After reviewing my credit report i have noted some discrepancy on COMENITY VS validation was requested and none was provided. I have not received any correspondence from them only harassing calls.

Company response to consumer: Closed with explanation