vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I reached out Acima to ask questions concerning a disturbing hit on my credit report concerning the purchase of a bed, that I had no clue in regards to this purchase! This company stated I did an over the phone settlement in which that was not true bc I have been fighting legally to remove items that where and have been removed due to proof of these items not being mine! During this time, I was not living at this residence! I moved out XX/XX/XXXX right after the delivery of my XXXX! Neither did they speak to me, my exhusband was living at this address along with his companion. On XX/XX/XXXX I received an UNSIGNED contract from ACIMA.I have vehemently asked ACIMA for a voice recording to verify my voice and a signed contract bearing my signature in which they have not provided either! I have gone to the sir named furniture company which is under New Management to ask for a secured contract and they had no clue and could not present me one!!! I have disputed this through XXXX for a consecutive 7 months and they repeatedly continue to update it after I have sent them the contract bearing no signature! In my research, according to the Fair Credit Reporting Act, if there is a significant proof of my signature this has to be removed if not given in 30 days and its been 7 months! Please I am asking for your reinforcement and assistance with removing this from my credit report! I dont have bad credit at all, I am integral concerning debt! Please assist me! I believe that XXXX is not taking the tone to research my dispute but have repeatedly ran my letters through the processor of scanning letters and has not taken the proper and integral steps according to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure requested. Every month they and ACIMA are in contempt of the 30 day required timeline to supply proof with my signature. I am trying to purchase a home and this is a derogatory and Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial called on XX/XX/XXXX and XX/XX/XXXX Called me by my name, regarding a family member. This is not my debt and I do not appreciate the harassment. Calling back gets me no answer and I will have to wait for a call to have to request that I am not contacted, which never works. 

I AM NOT THE CONSUMER and it is alarming that they would expect me to offer information about ANY other consumer. Or that my information, including my name, would be hounded down.

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 2021-08-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: DISCOVER BANK
State: GA

Complaint narrative:
Ordered 2 pairs of XXXX XXXX tennis shoes on XXXX XXXX tried calling new balance asking where tennis shoes were XXXX after on hold for an hour filled out form on website asking where shoes were, they were not delivered. 

XXXX received email stating to items were shipped look at faq on site XXXX after no help from new bal filed dispute with discover card XXXX account was credited for XXXX in my favor XXXX balance was back on my card XXXX called discover and was told shoes were delivered there was nothing that thye could do. Stated again, I have never received and/or signed for any shoes. Was told that I would have to call XXXX to investigate non delivery and/or call police, makes no sense that this is my responsibility after almost 2 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: AFNI INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX  XXXX XXXX  opened in 2019. 
{$470.00} I closed this account down back in 2019 because it was a card that I did not open and did not put charges on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX XXXX and Transunion is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the 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 the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX XXXX Transunion still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on 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 2021-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV

Complaint narrative:
I took out an automobile loan with First National Bank of PA around XX/XX/XXXX which resulted in a repossession around XX/XX/XXXX. In reviewing my credit earlier this year on XX/XX/XXXX I pulled all three major credit reports and found that this debt was being reported twice on one report ( XXXX  ). The original debt was being reported by the original creditor ( First National Bank of PA for {$8100.00} ) and a debt collector ( XXXX XXXX XXXX XXXX for {$6200.00} ). At that time I placed a credit bureau dispute with XXXX that did not resolve this issue. Recently I started my journey to purchase a home utilizing a mortgage loan. In reviewing my credit history I found out that this loan was still being reported twice with ( First National Bank of PA for {$8300.00} ) and ( XXXX XXXX XXXX  for {$6200.00} ) but now the creditor ( XXXX XXXX XXXX ) is on two credit bureaus ( XXXX and XXXX ). When working with my mortgage lender, and at their request I called and removed the dispute language from my credit reports and also contacted the debt collector to find out who owned the debt so this error can get rectified. When I contacted them ( XXXX XXXX XXXX ) on XX/XX/XXXX at XXXX at XXXX EST, I explained that this debt was being reported by both companies and was looking to find who owns the debt to clear up this error. I was told that this is normal practice for them to both report the debt. At that time I ended the call and discussed the best steps with my mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
While checking my credit report i noticed there was a collection on it, from Plus four inc, original debtor XXXX XXXX. The date was XX/XX/2020 the amount says XXXX dollars. I have never received any written notification of this debt. i do not have an account number an exact amount or for what exact service this was for. I have medical insurance that also would have covered any bill i had. I have tried 4 times to contact both companies, requesting account # date of service, what service etc I even sent both a copy of my insurance card to find out why they did not bill them and to try and resolve this.. but I have never received a repsonse at all.

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 2021-08-18 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX XXXX  and XXXX  of character along with 60 plus days of no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I received multiple debt collection letters via mail claiming a medical debt that I allegedly owed from PHOENIX FINANCIAL SERVICES dating back to XX/XX/XXXX. I do not owe any debt to PHOENIX FINANCIAL SERVICES or anyone they represent nor am I in any contract with them or anyone they affiliate with. I did not give PHOENIX FINANCIAL SERVICES or anyone else consent orally or in writing to obtain or share any of my personal information pursuant to 18 USC 1028. They repeatedly were in violation of my rights as a consumer pursuant to 15 USC 1692. I mailed them an Affidavit, Bill of Particulars ( Invoice ) and a Cease and Desist. I informed them that upon receipt they had 10 business days to respond with my specified remedy. PHOENIX FINANCIAL SERVICES received my notices on XX/XX/XXXX and have yet to respond as it is now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN

Complaint narrative:
I am being billed for an ambulance bill from XXXX XXXX XXXX through Wakefield and Associates Collection Agency. I contacted my insurance company, XXXX, before it was even sent to collections and they informed me that it was covered and that it was illegal for them to be billing me. XXXX contacted XXXX and I thought it was all taken care of, but now I am getting calls from Wakefield stating that I have a debt of XXXX dollars or so to pay. I contacted my insurance company again after the debt collection calls and they informed me once again that I do not have to pay it, I met my deductible and out of pocket. I received an eob again and directly sent it over to Wakefield and Associates. I received a call from XXXX again today informing me that I had to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a vicitim of identity theft I have contacted EQUIFAX multiple times supplying them with a certified NOTARIZED police report from the XXXX Texas Police Department. I have also contacted the FEDERAL TRADE COMISSION submitting a FTC identity theft affadavit concerning the Fraudulent acitvity that needs to be deleted from credit report. I have contacted the furnishers ( XXXX XXXX XXXX XXXX ) / ( XXXX XXXX XXXX ) to notify them by law that the accounts opened under my personal information were all done without my permission and needs to be immediately deleted. 


1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$110.00} 2. XXXX {$350.00} opened XXXX XXXX original creditor : XXXX XXXX XXXX 3. XXXX {$180.00} opened XX/XX/XXXX original XXXX XXXX XXXX XXXX FRAUDULENT INQUIRY XXXX / XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This is a follow-on to an inadequately addressed prior complaint. 

My complaint stated that Mr. Cooper failed to credit my mortgage loan account for THREE ( 3 ) payments that I made to XXXX, the prior servicer. Those payments were : 1. {$5000.00} on XXXX XXXX. {$2100.00} on XXXX 3. {$2100.00} on XXXX Mr. Cooper 's response only addresses TWO ( 2 ) of those payments. They DID NOT address their failure to credit my account for the XXXX payment of {$2100.00} that I made to XXXX and that XXXX transferred to Mr. Cooper. 

As a result, my Mr. Cooper account is INACCURATE and fails to include all of the payments that I made to the prior servicer ( i.e., XXXX XXXX. Specifically, my account DOES NOT reflect my payment of {$2100.00} on XXXX. 

Please credit my account to reflect ALL of the payments that I made to the prior servicer. 

LOAN NUMBER : # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
HI IVE BEEN TRYING TO SUBMIT DOCS TO THE 3 CRAs and have not gotten anything done. I have not been able to rectify the errors on my consumer report and I need help with this, thanks

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 2021-08-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
HI IVE BEEN TRYING TO SUBMIT DOCS TO THE 3 CRAs and have not gotten anything done. I have not been able to rectify the errors on my consumer report and I need help with this, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: MD

Complaint narrative:
My Problems with Equifax Hello my name is XXXX XXXX XXXX, and I am sending this letter to describe my problems I have been having with Equifax since XXXX. Ive been told Information has been Correct to be mine over & over again, when I have been giving information from sources which were previously available on Equifax that don't belong to me. A Home Mortgage, Student Loans, other banks or loan accounts, Birth date & year. 


Since XXXX I have spoken to the places that can Verify this information is wrong, such as XXXX ( XXXX ) which before speaking to anyone lets you put in a Social Security number, Etc that will tell you that youre not in the system. But if I use the information that Equifax claims belonged to me it literally details this other person Current living address and Phone Number which is the Home that was Bought with the Mortgage. Now that all the information was removed from Equifax I cant Dispute anymore to fix the problems since it requires me to give the agent information I know nothing about such as previous payments, closed accounts. They would either let me through to dispute or just hang up on me and disputing on Equifax website doesnt make it better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wellsfargo is using an algorithm that factors in race resulting in a decreased credit scores for people of color. This is a violation of my civil rights when seeking to obtain an adequate interest rate. Their method is suppressive to people of color. I recently paid down {$14000.00} in student loan debt and more than {$1200.00} on my auto loan only for Wellsfargo to decrease my score 20 points after the major credit bureaus has increased my FICO score 18-20 points. I strongly believe Wellsfargo decreasing my score is suppressive due to their algorithm using race as a factor. Their racist algorithm needs to be invested.

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