vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Financed a car on XX/XX/2020 the loan is for XXXX the interest rate is 22.99 % this loan is financed through a corporation called XXXX XXXX. As per Florida Law unless the loan is through a bank or N.A. The interest rate is capped at 18 % clearly 22.99 is over that cap, and almost to the predatory rate that is deemed a misdemeanor by the state of Florida. During my car buying experience I was asked for a down payment of XXXX when I went to sign for the car and additional XXXX $ was then asked for on the down payment.

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 2021-02-02 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-02-02 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but Target is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Someone stole my identity to get a car loan with XXXX XXXX XXXX for XXXX XXXX dollars and it has now been passed down to Jefferson Capital sy for collection. When i have informed them the account is fraudulent and i did not authorize the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
At the end of my lease ( first car ever ) with Ford Motor Credit company I had excessive mileage on my car. I had the car for 3 years during which every single payment was paid on time. The amount that was supposed to be paid was {$2500.00}. At the end of XX/XX/2020 I received letter from FMC with an offer to settle the account if payment of {$1500.00} will be send during 10 days. Unfortunately because of some personal and financial issues I was unable to send payment until XXXX. Payment of {$1500.00} was sent via mail, but I never got any confirmation that payment was received by FMC. Couple weeks later I received letter from collectors company which stated that I still owe {$1000.00} + $ XXXXfees= {$1200.00}. So right now I have delinquency on my credit account which negatively affected my credit score. I called FMC and talked to one of the managers. I explained that it was my first car ever, that I always paid on time during 3 years. Also explained that COVID had a huge financial impact on my family and myself. I was the only one working in my family. In addition to that my father was on the edge from passing away after he had XXXX XXXX  ( XXXX XXXX XXXX, which completely shifted my focus away from anything else and made my financial situation even worse. Unfortunately, manager refused to help me to remove delinquency from my account. I did pay the remaining of the balance of {$1200.00} just to clear everything out. So right now I don't owe anything to FMC. Just trying to fix my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 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: OneMain Finance Corporation
State: IL

Complaint narrative:
Upon losing my wallet in XXXX that contained my social security card, ID, cash, a few checks and a host of cards I filled a police report XX/XX/XXXX with XXXX police department just in case. It wasnt until my wife and I decided to look at our credit for a future investment in XXXX when I saw a loan from One main being reported in XXXX. I contacted the creditor in hopes of fixing this issue multiple times. I have been going back and forward with them providing police reports, proof of my current AND prior lease showing I stayed more than a hour away, proof from the IRS that also showed that the person tried to file taxes under my name that year fraudulently that I now require pin protection on my taxes from that particular identity theft, and attempted to send information about my bank account being closed due to fraud as well because of payments coming out from unidentifiable places in which the BANK noticed. However no proof is good enough for this company and now it has been MONTHS with no resolution. They ask me to provide something and once I provide that proof they ask for something different in a continuous loop in hopes to make me pay for something I did not do. Even my police report wasnt good enough because it didnt say One main fraud loan. Well of course it dont because I filled the report when I noticed my wallet was missing proactively, I didnt think something would have days ; weeks ; and months later! I checked my credit in XXXX after the irs thing happened to check if anything else occured and nothing else at the time happened so I thought I was in the clear. Well they actually asked me to go get another police report that said that ( I did, still they came up with something else to request ). Again this happened in XXXX when I lost my wallet, I caught this fraud account in XXXX. I now literally call multiple times a week to try to see how the process is going and what more I can do to prove this was not me and now its becoming more of a hassle. I just want to finally move forward from this seeing that this is the last fraudulent thing Ive caught from that guy and they are making it impossible. The last thing I want to do is pay it but after all this headache I asked how can I just settle out on whatever the balance is. They gave me an email to write and the person doesnt respond half the time. This company is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: GA

Complaint narrative:
I have filled a dispute in regards to the incorrect information on my credit report it has been well over 30 days and i have not received any investigation results.

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 2021-02-02 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: GA

Complaint narrative:
I have filled a dispute in regards to the incorrect information on my credit report it has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I received information from you attempting to collect on 5 alleged debts that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent numerous letters disputing inaccuracies information on my reports. Most recently I sent a letter on XX/XX/XXXX and I received no response within 30 days. It is now XX/XX/XXXX and I have mailed yet another letter to get the matters resolved.

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 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
My phone was hacked by someone posing as an XXXX technician on XX/XX/2020, he got into my phone and took passwords out of my notes. He indicated, my phone was hacked and my bank account was being robbed of funds. He then asked me to download two applications and hung up. I began getting notices that this guy used my banks XXXX account and transfered the funds into my XXXX XXXX and then he tried placing the funds into XXXX at which XXXX stopped the transaction and wouldn't let it get to my XXXX XXXX XXXX denies and wrongdoing neither have they made this right. This was a government check and to think I would actually give this XXXX  XXXX employee or even XXXX XXXX Himself my banking info is ridiculous and obtuse. The mans name is XXXX XXXX, he took {$430.00} out of my Regions Bank Account. I have many documents to prove this as well as a police report and I also contacted the FBI. Regions Bank has turned down my request for an investigation twice claiming it is " my fault this happened ''. 
This was an unemployment check from the state of Florida I had been waiting for for weeks. I have spoken with Regions Bank associates XXXX XXXX from the XXXX Indiana Regions Bank as well as Mr. XXXX XXXX from the XXXX location branch in XXXX, FL. are the only two people at Regions bank who has a heart to help me get my funds back at which XXXX " XXXX XXXX XXXX '' refuse to even investigate. 
The whole thing is a nightmare. Its fraud and waste and I want to know if XXXX XXXX didn't get the funds through XXXX and if the funds weren't in fact placed in XXXX  ; where is my money? Can anyone there help me? I made a police report with The XXXXXXXX XXXX Ohio Police Departments Officer XXXX. 
Hackers can get through your phone and steal valuable information ; their thieves and in my opinion Regions Bank are no better!

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 2021-02-02 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: MD

Complaint narrative:
I have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but XXXX is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.

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 2021-02-02 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: MD

Complaint narrative:
I have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but XXXX is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but XXXX is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.

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 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
THIS IS AN ADDENDUM/CORRECTION TO MY COMPLAINT # XXXX WHICH INDICATED THE WRONG SAVING ACCOUNT #. THE CORRECTED ACCOUNT NUMBER IS REFERENCED IN STEP # 4. 
IN ADDITION, XXXX POLICE REPORT/COMPLAINT # : XXXX was filed XX/XX/21. 
Citibank , N.A . failed to safeguard my funds in my Savings Plus account. My account was hacked on XX/XX/21 ( probably on XX/XX/21 ) as I was able to see the unauthorized ACH debit posted to an unknown account/person ( XXXX ) in the amount of {$19000.00}. 
I was shocked and immediately tried to report the fraud to Citibank and was sent to XXXX representative XXXX ID # : XXXX and explained what I saw and asked to report this as fraud/hacking. After several transfers and was unable to hear clearly I asked for a US representative in the Fraud department. I was told these funds were completely gone and the ACH transferred without any red flag alert, security check or confirmation that this large transfer was never my habit in 39 years of banking with Citibank. They did not transfer money in increments, but in less than overnight-they fully completed this fraudulent transaction. I was asked if I wanted to dispute and then assigned CASE ID # : XXXX. 
It has been my clear pattern and habit to transfer any funds from savings into checking before executing an ACH Debit. They said all that was needed to execute this fraud was my name, routing number and account number. This was very alarming, but they did not seem to want to expedite this matter until I asked to speak to a supervisor. Supervisor XXXX ID # : XXXX then expedited this to Citibank 's PECS Department which is internal, back office and I am not able to contact them directly. I have still not been given provisional credit or return of my funds and they only will say their investigation is " ongoing '' while I can not use my funds which I need now very much.

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent numerous letters disputing inaccuracies information on my reports. Most recently I sent a letter on XX/XX/XXXX and I received no response within 30 days. It is now XX/XX/XXXX and I have mailed yet another letter to get the matters resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX 2020, I purchased a product from XXXX for {$110.00} using my Bank of America Mastercard. 

I tried the product but was unsatisfied and had it returned via XXXX  on XXXX 2020. However, XXXX had marked the product LOST. 

I filed a claim for purchase protection. But I just got word today XXXX that they rejected my claim.

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I submitted an identity theft report from the federal trade commission FTC Report number XXXX to Equfiax as I have been a victim of fraud and identity theft. I added all the fraudulent accounts in my request and nothing has been done. I did not open any of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. 

Equifax is in violation of the Fair Credit Reporting ACT also called XXXX since i been a victim of identity theft and have submitted all the proper documents and they have not removed these fraudulent accounts within 4 business days as the law states. 

I have provided more than enough evidence to support my claim This is my third request.

Company response to consumer: Closed with explanation