vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
XXXX 's appears to be a home furnishing store, which is based online. I have never purchased anything from this company. I have not received any products or services from XXXX 's. I have not applied for any credit with XXXX 's, either. Upon receiving a bill from them for a little under {$500.00}, I called XXXX 's at the end of XXXX. I was told a tablet was ordered for delivery to a state which I have never visited. They said they would send me a form to submit a fraud claim. I have yet to receive it. Oddly, XXXX 's also said the order had been cancelled by their Fulfillment department and the tablet was never shipped. When asked why the charge could not just be removed since no products were provided, I was told again that I would have to submit a fraud claim and a form would be coming to me to complete. It has been a month and I haven't gotten said fraud claim forms, but I have received another bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
As of XX/XX/XXXX i made a {$500.00} a payment. This was applied to the XX/XX/XXXX payment due at the time. I texted with the XXXX App the next day XX/XX/XXXX as the {$500.00} was applied to the XX/XX/XXXX payment due and then towards the interest on the XX/XX/XXXX payment. Not yet due. The rep i texted with said they'd fix it and reapply the difference towards the principal. After it was corrected i made another {$50.00} payment to the principal XX/XX/XXXX ( before the XX/XX/XXXX ) payment is due and their XXXX system misapplied it again ; It was applied to interest not yet due. I had to text them again about it and they said it would be fixed. Then i had to call to make the request. 3 times this month. I requested a payment history from XXXX after the payment corrections. The math behind the recorded XX/XX/XXXX payment does not make sense with the anticipated amortization that has occurred since i bought the car. It's not on track. ( PLEASE SEE ATTACHED PAYMENT HISTORY SENT TO ME BY XXXX ) Each month a portion of the payment is applied to interest the other to principal. AS an XXXX for a big bank with a business degree i'm fully aware on how amortization works. So with that being said. i'd like to report financial harm being brought on by GM Financial. Their payment system constantly misapplies my additional principal payment with hopes to pay this loan off sooner than the XXXX payments i signed up for. EACH month since i bought the car i've had to call and write them. I believe this is the XXXX complaint about this. I would hope the CFPB is keeping track of this customer nuisance. If you look at the attached payment history you'll see between the recent recorded payment and what was paid in XXXX XXXX XXXX last month vs prior month you can see the trend based on the amortization. For some reason they charged me more in interest on the XX/XX/XXXX payment than they should have. I believe this is attributed to the same funds intended as additional principal being yet misapplied. I believe they are manipulating their payments on purpose to keep people in debt longer at 8 % and not giving credit for the client 's on-time payments with additional funds to decrease the balance. Considering there's a common trend with reported numerous complaint i would hope the CFPB would open a case to inquire about their payment software and billing practices. I'd like to report the financial harm they are causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO THE LAW 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian, XXXX, and XXXX are reporting information that certification has not been given with my consent to report an accounts that I have asked for them to remove. XXXX, XXXX XXXX, and XXXX is being reported as a charge- offs and clearly that is an income that the IRS or XXXX hasn't provided me a 1099-C, The creditor has been negligent in misrepresenting that they would report my private information such as my income in their disclosure. According to the law 15 USC 181e 1 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses it to the consumer reporting agency that originally furnishes the report. The credit reporting agencies are reporting XXXX as a charge -offs which is illegal. 
ACCORDING TO THE LAW 15USC 1666b ( b ) Grace period If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, the such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid the imposition of that finance charge. 
ACCORDING TO LAW 15 USC 1681a ( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

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 2022-08-30 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-08-30 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: IL

Complaint narrative:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX XXXX, and financial hardship.

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 2022-08-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SD XXXX. THE BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SD XXXX. THE BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
i reached out to XXXX and transunion regarding an extended fruad alert that was appearing on my credit file that i did not request and that was ultimately placed on my file without my permission, each consumer reporting company told me they had trouble verifying me and to sumit a dispute and attach documents however i submitted this dispute asking this information / alert to be removed from my credit file XXXX and transunion have faailed to remove this information or answer my dispute in a timely fashion or comply with the fair credit reporting act 16 usc 168i iam asking that this information / alert be removed from both my XXXX and transunion credit file as its hendering me from obtaining credit additionaly XXXX has failed to allow me to access my report iam asking that my report be made available to me as required by law

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 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
In XXXX of 2022 Seventh Avenue reported to the credit bureau 's that I owed them {$150.00} for an order that was placed on their website. I had never heard of this website, did not order anything, and did not receive a package. When I looked further into it they had completely gotten my gender wrong by saying it was for a " XXXX '' ... .I 'm a XXXX. It also was addressed to an address I haven't lived at for over 2 years. When I disputed this with XXXX, I also took the initiative to call the company and ask about it myself. I have a recording with a representative of Seventh Avenue 's billing department where they state that the issue has been looked at and will be removed from my account. It is now saying that it is my debt and is continuing to impact my credit. I have been lied to and mislead. Upon looking at other reviews it looks like this is a common tactic that the company uses to force people into debt with them. This company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: FL

Complaint narrative:
hello, i am just learning how to review my credit report AND upon checking it i see 2 unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: FL

Complaint narrative:
hello, i am just learning how to review my credit report AND upon checking it i see 2 unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX ACCOUNT # XXXX BANK XXXX XXXX ACCOUNT # 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 non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Called the Wells Fargo online fraud claims center and spoke to representatives who stated that I filed claims but yet I never received the claims or money. Theyve been stealing money and reporting the refunds then rerouting it to their accounts again and again.

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 2022-08-30 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: IL

Complaint narrative:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a XXXX bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent Transunion, XXXX, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX XXXX and financial hardship.

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 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: GA

Complaint narrative:
I have never been contacted by US XXXX about any debt and have no outstanding debt on my credit report. I have been called 3 separate time by this company ( Americollect ), all from different robocall numbers. In none of the voicemails do they ever indicate WHO they are trying to reach. Dates and times of the calls are as follows : XX/XX/22 @ XXXX, XX/XX/22 @ XXXX, and XX/XX/22 @ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have contacted commonwealth on multiple times and requested information is forwarded and only told to contact the XXXX XXXX XX/XX/2022 XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Monday, XX/XX/XXXX my wife took time off to take my XXXX year old mother to the XXXX, NC branch location of Wells Fargo. She is a joint owner with my father on all accounts including a safe deposit box. My father died earlier this month and my mother 's estate attorney needs a copy of the Will which we believe is located in their safe box. Upon requesting entry into the box my wife and mother were denied and the branch employee said that they would have to inventory her box under dual control of two employees including a 3rd employee to notarize the audit. They further said they may have to drill the box, yet my mother has both keys to access the lockbox. My mom and wife tried explaining that my mother was joint, which is verifiable via the signature card and she has valid ID, yet they said she would have to come back in 1 week plus when there was adequate staff to inventory the box. This has created undue XXXX on my elder! y mother who is already grieving her husband 's passing. There was no compassion from the Wells Fargo banker and she seemed snippy when requesting an explanation. it seems a violation of privacy to go through my parents personal possessions when she is a rightful owner of the account. Please help. Very frusterated.

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 2022-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
i reached out to equifax and XXXX  regarding an extended fruad alert that was appearing on my credit file that i did not request and that was ultimately placed on my file without my permission, each consumer reporting company told me they had trouble verifying me and to sumit a dispute and attach documents however i submitted this dispute asking this information / alert to be removed from my credit file equifax and XXXX have faailed to remove this information or answer my dispute in a timely fashion or comply with the fair credit reporting act 16 usc 168i iam asking that this information / alert be removed from both my equifax and XXXX credit file as its hendering me from obtaining credit additionaly equifax has failed to allow me to access my report iam asking that my report be made available to me as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CA

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.

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