vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made several attempts to address a collection reported on my credit report from XXXX XXXX XXXX for {$600.00}. I have sent several certified USPS letters to both the collection company ( XXXX XXXX XXXX & all three credit reporting agencies ). I have made it clear in these letters that the debt doesnt belong to me and that Ive never had a contract with XXXX XXXX XXXX XXXX I have asked for proof of a contract between them and I, however Ive never received any information or proof to validate this alleged debt. Experian has verified and updated the collection both times I disputed the debt ; both times without showing any proof before the 30 day period for the investigation ended. Furthermore, it has been more than 30 days since Ive sent multiple letters to XXXX XXXX XXXX addressing this issue. The proof of burden to proof the debt as valid was on them and they never responded to either certified letter I sent them within the 30 days of receiving the letters. This collection is being inaccurately reported on my credit score and is therefore negatively affecting my good name. I have addressed this multiple times with the company itself, and the XXXX main credit reporting agencies. Both disputes were made updated and verified without actually showing proof of contract to validate the alleged debt. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that they, the credit reporting agency, report accurate and /or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. 

Id like to also note that XXXX XXXX XXXX does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of Georgia, therefore XXXX XXXX XXXX. attempting to conduct business with me is a violation. 

I expect this debt collection to be REMOVED AND DELETED from all three credit reports ( this includes XXXX, EXPERIAN, and 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 2022-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I activated an offer on XXXX  on my credit card for a 10 % cash back ( max. {$45.00} ) at XXXX on XX/XX/2022 and made a purchase using said card directly with the merchant same day. 

Note that the cash back promotion deal only states : " Offer expires XX/XX/2022. Payment must be made directly with the merchant. Offer not valid on third-party services. Payment must be made on or before offer expiration date. '' I inquired with a Bank of America representative about this issue on the evening of XX/XX/XXXX who was unable to resolve my concerns about the deal and told me to call back the following day. I called again on XX/XX/XXXX and the Bank of American representative informed me that I was ineligible for the cash back promotion due to the posted date being a day late despite the transaction date being on XX/XX/2022. 

Please note that the promotion does not specify the date in which the payment needs to be posted by. Only that a payment needs to be made on or before expiration date which should include any pending/processing transactions.

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 2022-11-18 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: IL

Complaint narrative:
In XXXXXXXX XXXX XXXX Experian was made aware of fraudulent accounts being reporting due to identity theft fraud. As well Experian was requested by XXXX XXXX debt collector XXXX XXXX XXXX to remove a file.

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Ally 's so-called " fraud protections '' frequently prevent customers from using their ATM/Debit cards as intended, and they refuse to fix the issue even after multiple attempts and notifications. 

1. Our dry cleaner, a large company in the XXXX XXXX XXXX XXXX, is not fraud. Ally has allowed us to use our debit card to pay them in the past, but for some reason has decided they are fraud and now declines all charges. This caused an issue in that we can't get our clothes back because we can't pay for them. We notified Ally of the problem multiple times beginning XX/XX/01 and they continue to say it's being " investigated '' and that their " fraud filters '' will not allow us to use this service. Again, this is an established, well-known company. It is not fraud. Ally refuses to fix the issue. I have never disputed a dry cleaning charge with Ally. 

2. Ally also refuses to let us use XXXX services with our Ally debit cards. I probably don't need to tell you that XXXX is also not fraud. Ordering XXXX XXXX or getting a ride with XXXX should be an easy process, but Ally declines ALL of their attempted transactions. Ally continues to " investigate '' this issue and recently called to tell me they are attempting to update their " fraud filters, '' but there is no solution as of yet. Again, THIS IS XXXX. This has been an issue since XXXX, when I became stranded at the airport in XXXX. I couldn't get an XXXX because ALLY REFUSED TO LET ME ORDER ONE WITH MY DEBIT CARD. I have never disputed an XXXX charge with Ally, yet they continue to insist they can't let me use my debit card for XXXX and refuse to solve the problem. FOR MONTHS. The only solution they have given is, " please continue to attempt the transactions over and over. '' This is not a solution. 

If I give a bank my money and I adhere to the rules of deposits, balances, and debit card use, I should not be told by the bank where I may and may not spend my money. Neither of these merchants are shady, unknown, or even brand new. Yet Ally acts like I'm being unreasonable by insisting that I should be able to use my debit card as I see fit.

They are denying me access to the money I have deposited in good faith.

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 2022-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Purchase made XXXX  at a small merchant kiosk in XXXX XXXX while on vacation for XXXX  XXXX  for a total cost of {$7.00}. Merchant did not provide receipt. Upon return to the United States, discovered that the charge to my Capital One credit card was for a total of {$7000.00}. Attempted to reach out to merchant, with no response. Filed a dispute with Capital One credit card, and they requested additional information, including a receipt. Provided written response, along with detailed information about the transaction and explained that no receipt was provided. I reached out to the merchant again to request a receipt, with no response. Capital One credit card denied the claim, and is holding me responsible for the full amount of the fraudulent/error charge. This charge is fraudulent, and Capital One will not pursue the merchant for information or proof of large amount of charge and is holding me responsible even though their dispute protocol states on their website that they will reach out to the vendor to request proof of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm sending this dispute for a hard inquiry that I have never authorized. After carefully researching my report I realized that these inquiries were made by someone else. I never authorized it. I truly believe it's a result of fraud. I have been a victim of Identity theft. I have also filed FTC report for this inquiry and the report number is : XXXX and name of these fraud inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Thank you for your help.

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 2022-11-18 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: Grain Technology, Inc.
State: TX

Complaint narrative:
I applied for a line of credit using Grain Technology. I had to pay {$250.00} deposit for a {$600.00} credit line that can be withdrawn and deposited to your bank account. They decided to do a verification and everyone had to upload their IDs and such. Well over six months later the app is still saying verification pending and I am not able to access the line of credit but they are still withdrawing money from my account. None of my emails have been returned and they do not answer the calls. They just loop to different pre-recorded messages. This is frustrating because I want to pay it off and close it and I can't even see the account status or balance. No access whatsoever. No contact whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter 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 explanation
Consumer complaint received 2022-11-18 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
PAID {$49.00} REMAINING {$33.00} Payment schedule Paid : XX/XX/XXXX XXXX  - XXXX - {$15.00} Processed : XX/XX/XXXX Loan terms Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} AutoPay : XX/XX/XXXX {$11.00} AutoPay : XX/XX/XXXX {$11.00} AutoPay : XX/XX/XXXX {$11.00} PURCHASE TOTAL {$77.00} DOWN PAYMENT {$15.00} FINANCED AMOUNT {$62.00} TOTAL INTEREST ( 29.94 % XXXX ) {$5.00} TOTAL OF PAYMENTS {$67.00} LOAN ID XXXX They are trying to tell me I am not paying XXXX in total and by their numbers yes I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
In XXXX I told Carrington that I had became XXXX and no longer able to work, that things were getting tight as we are adjusting losing a XXXX salary. They said there is nothing they could do becuase I was current and that I had to be in default before they could help. I said the biggest reason i am having troubles is from them preventing me from refinancing the house and then when they bought my mortgage added fees and raises my payment. They said nothing I they can do until in default. So I stayed current, so then my whole family got XXXX in XXXX wife missed a lot of work my brother had XXXX had to stay with us he passed away XX/XX/XXXX. We were in bad hurt. Then the hurricane hit and wife lost more work so I asked again in XXXX telling them same answer I must be in default first. So then I talked to VA they said I can get disaster relief from storm so I called back they said no I'm not in default. So I waited until XX/XX/XXXX now I am one day in default. They took an app for disaster relief then they told me three days later I couldn't do disaster relief. That I don't qualify for any sort of relief as I am not working but I do qualify for XXXX. So I did that. They said it would stop everything and I can figure things out. Which I thought was perfect im not in a real bad shape I just have to rearrange from becoming XXXX and trying get straight that in three months the money I use on mortgage can clear up and all will be fine. But then a week later the big surprise comes. I get a phone call from someone wanting to buy my house says he can see I am in preforeclosure. What wait how no I am not he knew I was behind and how much that bank sold my information for profit to XXXX who XXXX XXXX XXXX me that and had me drop to my knees in panic. I called bank they said that I still owed for XXXX, yall told me once I filed it would all be handled well not really becuase you filed in XXXX you owe XXXX yall told me I couldn't file until i was in default I know sir I'm sorry that's the rules. She hung up. Yesterday I got a letter saying I owe that one payment plus thousands in other fees it not paid in 35 days they will foreclose. While I'm I'm covid forbearance I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: SC

Complaint narrative:
Lender has marked " account 30 days past due date tow times '' on credit report. I have never been late, it was set on automatic payment through their system. They drafted on my pay days. I contacted them on XXXX and informed them of issue on credit report. Lender stated they would investigate and contact me back. As of XX/XX/18 I have not heard 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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
All my business accounts are closed for unknown reason by Wells Fargo. When I asked the bank for a reason, they would not disclose the reason. I then tried to open the business accounts with XXXX and they closed accounts again for the same unknown reasons. XXXX closed my accounts in XX/XX/2022. I want to resolve whatever issue is going on so that I can fix this problem. I have businesses to run.

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
First of all my personal information was falsely given by somebody that was not me. Then the person or persons continuously inquired about my property such as mortgage on my house and my credit cards that were already paid off, the person or persons that work for Equifax and XXXX credit report and credit score On each account of my name and Home Address and phone numbers of my Personal information that were used Frauduantly or illegal shown to Creditors In order to ruin my name and credit reports And scores for over 25 plus years or so which I had no credit since 1984

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: PA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022, all in which i have sent certified Postage from USPS. I submitted a request to block information on my consumer report as I am a victim of identity theft. This is not a dispute, however CRA has chosen to forgo federal regulation and apply their company policy to treat this as a dispute. I called them and XXXX Department manager stated that their policy supersedes FEDERAL LAW ( which states ( a ) Block A consumer reporting agency shall block the reporting of any information that is on file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by consumer ; and ( 4 ) a statement by the consumer that the information is not information relationg to any transaction by the consumer. I submitted proof of identity theft report from the FTC, the notices of furnishers, My drivers license, The accounts that are fraudulent and also a statement that these accounts needs to be deleted without recourse under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. I have yet to have received the requested Original Contract, Original Creditor Information, Payment History or Proof of Ownership. There have been several SSN and addresses listed on my credit report that are not mine, this account is linked to one of those fraudulent accounts that has since been investigated and removed from my report. Despite the Fraud alert and update on my credit report, this creditor is still holding inaccurate information on my report.

It is my understanding that under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
3rd request Target received a check and cashed it. Someone tell me where the funds are. When I call Target will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress.

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check.

Where is my money.

Why are you reporting charge offs after it was paid. Per XXXXn the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK TARGET TO REIMBURSE LEGAL FEES.

Company response to consumer: Closed with non-monetary relief