vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Veros Credit, LLC
State: CA

Complaint narrative:
After checking my credit report after a few years, I noticed a lot of inaccuracies reporting on my name. One of which, is reporting from, Veros Credit, which financed a vehicle under my name but without me being present. After seeing this fraudulent account on my credit report, I reached out to the credit reporting agencies who then told me to reach out to the creditor, Veros Credit. I spoke with many of their employees and even emailed their compliance officer in order to get a response because I was not getting any help or information regarding this issue. 

The account I am mentioning and it's details are listed below : VEROS CREDIT LLC XXXX Balance {$10000.00} I requested a consumer contract from Veros Credit and they did provide me with one. Although, the contract was not signed by me. Someone fraudulently signed my name without my knowledge and received this auto loan. I have not used my credit for many years now because of discrepancies on my report and due to debt. Finding out that this account was opened without me knowing and someone used my name and information to sign the contract is unacceptable.

Even after speaking to the representative of Veros who was in charge of helping me resolve this issue, unreasonably concluded not to make the correction on my report. I was told that because the address on my current ID is the same address as the one in the contract, they will not delete the account. 

IF SOMEONE USED MY PERSONAL INFORMATION THEN OBVIOUSLY MY ADDRESS WILL BE USED ALONG WITH MY NAME, SOCIAL SECURITY NUMBER, ETC. 

That is exactly what Identity Theft is! I ran out of patience dealing with this creditor and am hoping that the CFPB can help me getting Veros Credit to make the correction on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In XXXX I leased a XXXX XXXX from XXXX XXXX XXXX XXXX, Florida. It was a 3 year ( 36 month lease ). I decided to purchase the car after 34 months. XXXX XXXX of Florida gave me the total cost of the car which included the payments 35 and 36. I took ownership of the car on XX/XX/XXXX. I forgot to turn off the auto payment from my XXXX checking account. An extra payment of {$260.00} was made on XX/XX/XXXX, to Hyundai Motor Finance ( XXXX ). When I contacted XXXX for a refund, they refused. They sent a check for {$220.00} to XXXX XXXX XXXX XXXX, Florida. XXXX then sent me a check for {$220.00}. When I contacted XXXX for the difference, they refused. I am still owed {$43.00}.

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 explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I have reached out to your company asking for proof that we have a contract together. I asked for hard evidence. You did not provide any proof that such occurred. Are you even licensed in my state to collect debt? Legally, I never made a binding contract with your company using my wet signature. If I did, please provide proof. I in fact know that I did not. Please delete this from all three of my credit reports immediately as you are a collection agency, and it is against the law to be on my credit report without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
I had 19 charges on my account That were not authorized I contacted Chime and denied all 19 transactions within XXXX minutes they provided me a mere list instead of a detailed summary or any other supporting documentation of an investigation of the stolen funds. The charges are still being attempted and no funs have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America blocked my business checking accounts with them. I've attempted to contact them on several occasions. Bank of America never notified me in writing, and or by phone. After sitting on hold for several hours I spoke with an unidentified male, who would not provide any more details on my account closure, but that I needed to visit a local Bank of America branch. I have previously done this on several occasions prior when I first opened the account. Bank of America required I go show two forms of ID and that the manager update the information. I have about {$400.00} that Bank of America is holding in the account and is refusing to reimburse the money to me. 

Bank of America has not been honest and transparent with their banking practices with their clients.

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 2023-11-06 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Complaint Against Experian for Failure to Remove Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their failure to remove inaccurate information from my credit report. This information does not pertain to me, and its presence is in direct violation of U.S. Code 1681c-2 and U.S. Code 1681b.

Despite my repeated attempts to rectify this issue with Experian, they have been unresponsive and have not taken appropriate action to correct this erroneous entry on my credit report.

I believe this oversight is detrimental to my financial well-being and directly impacts my ability to access credit on fair terms. I request that the CFPB conducts a thorough investigation into this matter to ensure that Experian complies with the relevant federal regulations. 

I have retained documentation, including proof of my identity theft report to support my claim. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the appropriate steps to ensure that my rights as a consumer are upheld. 

Sincerely, 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 2023-11-06 00:00:00
Product: Credit reporting 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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PLAZA HOME MORTGAGE, INC.
State: TX

Complaint narrative:
I applied for the purchase of a house for XXXX. At the time it was the best offer, so I qualified for the loan and got it. After the appraisal the loan officer found out it was worth a lot more money XXXX over and sent XXXX other inspectors. At this time I had already payed for my own inspector and he told me everything was in good shape and everything it needed was cosmetic. One of the inspectors he sent supposedly found mold under the kitchen sink and that that would cost $ XXXX to fix. The red flag was this inspector was also his contractor that would fix all the problems. Then the contractor offered to fix the mold problem on the weekend for $ XXXX. They found out that contractor didnt have a license so we had to get another contractor with a lot of qualifications and he sent another contractor charging exactly the same thing for the mold cleanup. All the cleaning it needs is bleach and kills paint. Total I had to pay extra at closing was $ XXXX for painting the outside trim paint the inside of the house replace the cabinets and a ten by ten pice of flooring. I had a quote from a contractor to do all that for $ XXXX. This contractor didnt meet all the credentials the bank was asking. I was also charged for a final inspection which didnt pass because the previous owners had left a mess and pictures and frames on the wall. I didnt have a key and the house wasnt mine yet to clean it. The loan took over three months to close and the interest went from seven to eight the loan officer added $ XXXX to my loan to keep it at seven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Credit reporting ageny is incorrectly an account that does not belong to me.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Credit reporting ageny is incorrectly an account that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX as well as XXXXXXXX XXXX  An formal request for validation of the following inaccurate items on my credit file was requested from XXXX, XXXX and TransUnion XXXX These company 's has violated my rights under FCRA 15 U.S.C 1681 Section 604 A. 15 U.S.C 1681s - 2 ( A ) ( 1 ) 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this fraudulent account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. 
XXXX, XXXX XXXX Re : FTC ID Theft Complaint Dear Sir or Madam : This letter confirms the conversation I had with A Representative at Your Office on XX/XX/XXXX regarding the theft of my identity. 

I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 

My personal information is as follows : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( XXXX ) of fraudulent transactions : * Loans The following is a description of the identity theft incident : An anonymous person used my information XXXX time for fraud : Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Total Fraudulent Amount : {$600.00}

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 2023-11-06 00:00:00
Product: Credit reporting 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:
Account is not my account information reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have a 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.

This company has not validate any 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 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2023 I deposited a work check, I received and email stating that the check was accepted, however it noted that all funds would be held until XX/XX/2023. No other explanation about as to why. I went to log into my account and it said they have accepted the check but havent collected the funds from the other bank ( XXXX XXXX XXXX ). I called and the first representative said that funds would be available by the following day. The next day I had no funds from my work check in my account. I called and had an employee pick up the call but mistakenly didnt realize it and spent the next 20 or so minutes having an entire full conversation of their personal life with someone in the background, I have the entire call recorded! The representative finally hung up on me without taking my call. I call back several times to speak to a specialist to see about them releasing the hold on my check and they refused saying they first could not reach anyone and then I needed to call back the following Monday. I called back today ( Monday ) and get told that I must wait until XX/XX/XXXX to see about the funds being released and questioning the validity of the check. I told them they already confirmed they accepted the check via email, so there was no reason to hold the funds for verification if it shows already stamped. They told me they would release the funds to get me off the phone and never did. I told them over the phone that the federal law says that they had to make available a portion of the check under the Expedited Funds Availability Act and the banking supervisor says that their policy supersedes the federal law. I told him that he is incorrect and to show me the policy stating they withhold the checks for how long ever the bank determines and he would not email it to me. I told him I have the print out of what the Chase Bank says on their website about releasing {$220.00} while check verification is ongoing. He still refused to acknowledge this, saying they would not release the check funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The account was closed without notice. We were only informed that this was a thing because of an email on XX/XX/XXXX stating the account was under XXXX dollars. This triggered me to called as I had over XXXX in this account. 

They stated they mailed us but the letter was sent to an address that I do not live at. I was also not told via email to look out for a letter or any other method of contact. There are multiple ways of contact they could have used. 

I called and my mother called and asked what happened. We were informed that BOA closed it and was mailing a check out for the amount that was in the account at the time of closure. Which was in the range of a little over XXXX. On XX/XX/XXXX a check was sent via XXXX  but it never made it to me. XXXX  has since marked the package as damaged/missing and it was destroyed. On XXXX I called BOA to address this with them and they stated to contact XXXX  as it was their problem now but BOA wouldn't be able to run a new check until it is returned or a 120 days has passed. BOA did confirm with me that the check was never cashed and XXXX  as confirmed with me and sent an alert to BOA that it was damaged but yet BOA refuses to reissue a check. So now I am out XXXX for the next 120 days. I found BOA to be less than helpful as they could verify the check hasn't been cashed and could easily reissue a check for that is rightfully my own money. They should have never closed that account and it is frustrating that they did and now I am worried how i will be able to pay some upcoming bills that were put aside into this account. I was also told that only a paper check could be sent. In a world of digital transactions, it is very annoying that they couldn't do a ACH transfer into my account at XXXX XXXX if I am to verify my identity as an account holder on both my own XXXX Bank but also the BOA account that was closed.

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 2023-11-06 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 USC 1681 section 602 A.States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 2023-11-06 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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