vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Transunion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-11-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P.
State: MO

Complaint narrative:
I have no knowledge of this account as well as the dates keep changing every time I look at my credit report I lived in XXXX  back in XXXX and the dates on my credit report do not coincide with the time I was in XXXX  as well as two of the same dollar amounts by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: CA

Complaint narrative:
The Account I am disputing does not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. I have doubts about its accuracy and the reported payment history on this account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXXXXXX XXXX XXXXXXXX I XXXX Balance : {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: KY

Complaint narrative:
Today, I learned my bank account was levied for {$1600.00} + {$100.00} legal fee charged by my bank, leaving my account- {$1400.00}. My bank provided the name of the collection agency and their phone number for more information. 

I called United Collections Bureau, was transferred several times and waited well over an hour before I spoke with a representative. I learned that there was a state income tax warrant that was issued, which authorized my bank account to be levied. 

This was the first time I had heard about this issue. I asked the representative to verify the address where their communications and noticed were sent to. They gave me the address, and was completely shocked to learn that they sent everything to an address that I haven't lived at in over 15 years, when there were obviously more recent addresses that could've been used to properly notify me of the debt, because up until today I didn't know that there was even an issue with my 2020 Indiana State Tax return. 

This practice has got to stop, and seems like a very deliberate way for United Collections Bureau to place holds on entire bank accounts, and prevent any actions someone could take to rectify the debt or prevent an account levy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: MI

Complaint narrative:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. Equifax and XXXX have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
Last year XX/XX/XXXX Our company bought XXXX XXXX XXXX XXXX account number : XXXX. 

Right after ( XX/XX/XXXX ) we found electrical problems dealership fixed them but problem continued and a XXXX  complaint was filed, On XX/XX/XXXX our truck was in an accident the electrical problems continue and dealership blamed them on the accident, we file a complaint with XXXX resolutions management XXXX XXXX with phone number XXXX ext XXXX was the person in charge, dealer continued to blame problems on accident kept the truck for longer than needed and a rental reimbursement was implied on our email, phone conversations at the end XXXX resolutions and dealership denied the reimbursement and due to their very busy schedule they didn't begin any work, we picked up truck and fixed it with someone else, all conversations were recorded and emails kept on our files for future escalation. Our insurance paid for the repairs with checks that were sent to XXXX according to their procedure, repairs were actually paid from our pockets and now we are requesting our reimbursement, when we call customer service it seems like the information is not properly managed with people telling us different information. 

We ask for our reimbursement to be completed as soon as possible if you need to review the case ( s ), complaints internally that would be great, it would help us all very much, We are very disappointed with all this negligence but XXXX has better quality than XXXX for our line of work please help us to stay with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: AR

Complaint narrative:
Hi Good evening, my name is XXXX XXXX and I'm having issue with ( Binance.US ) I have a account with Binance.US for a long time and ever since then I have never break any of there rules and just last week ( XXXX, XXXX ) I added a funds from my XXXX  account in my name to my Binance.US account via ACH transfer and was successfully and the money got into my binance and I uses it to purchase a XXXX ASSET. Then and again about XXXX ago I try another {$700.00} ACH from my XXXX to Binance.US and I think XXXX reject that transaction thinking someone might be using my account without my consent and I think the ach was rejected by my bank and charges back occur with Binance.US and they locked me out of my account and I try to get a hold of customer service representative and they told me I need to make a selfie video of myself holding my driver 's license and also to recites some words that I made the transfer and all activities on my binance which I did just what they want and uploaded the video to them and also which I confirmed my location of login and the phone and XXXX XXXX  laptop I login with in the past 3 months, Just this morning after all this, they get back to me and tell me they will not allow me to uses the Binance.US services anymore and they won't be able to disclosed the reasons why and I'm having a sum of {$4900.00} on my account and now they are not replying me anymore and I'm thinking they wanted to play smart on me and stoled my funds because I'm yet to understand why they will denied me access to my assets even after providing the information they want. Please I need help because that money is my savings and now Binance.US wanted to rob me... Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: MI

Complaint narrative:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. XXXX and TransUnion have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Hallstrom Law Firm PLLC
State: AZ

Complaint narrative:
The Hallstrom Law Firm obtained a garnishment in XXXX 2021.Like I stated earlier I was never served, does not matter what my address shows, if I was not staying at the house and XXXX was not properly served, it should not have been valid. However, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is XXXX XXXX who is on the way out, and would sign anything a debt collector put in front of him. My wages have been garnished for a total of {$2600.00}. In addition to the amount they claim I owed they are charging 31.24 % interest plus another 5 % interest for a total interest rate of 36.24 % which should be against AZ usery law. According to my records I should only owe around {$330.00} so I requested a settlement for the amount I have already paid. From the paperwork they provided me the credit limit was {$500.00} and they charged me over {$320.00} in fees. So in essence I am being charged 500 % of the original credit which is robbery. I am XXXX years old, I recently put my XXXX XXXX XXXX mother in XXXX. Im not a wealthy woman and this collector wants to take every last dime. They would rather put me out on the street than to settle for the {$2600.00} I have paid since XXXX. In todays economy its especially bad. Its not like I an take a second job to earn extra money. I believe these collection practices just border on the barely side of legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
i already have a complaint about this company that i submitted 5 days ago and no response ( XXXX ) yet however i forgot to add another complaint to that one ... .another problem besides not being able to view loan or loan documents they also clearly say on the website that we can make payments with credit cards however every month ive been forced to use a debit card because credit cards have automatically declined... ..you cant say you take credit cards but when someone tries to use it it doesn't work but then conveniently the debit card goes through just fine... this has happened through out the life of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-17 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: OR

Complaint narrative:
I have a Health Savings Account with Optum Bank, this account has been active since XXXX. I attempted to login to my HSA account, today, XX/XX/XXXX, to begin the process for reimbursement for a qualified expense. They were unable to locate my account, and I was unable to login with my credentials. I called customer support, and talked with a front-line staffer, who did all within her power to locate my account. She informed me that all of my online account activity and presence has been erased. I additionally learned my email address had been modified by an optum staffer to some other email address - not mine. I asked to speak with a supervisor, and it appears that one of their computer algorithms decided to terminate my account credentials. The supervisor and I both tried to create a new account but I kept getting an error message. We attempted several troubleshooting methods and it did not work. 

I have a case number with Optum bank - Optum Case # XXXX If I didn't notice this error, and bring it to Optum 's attention, my entire health savings account could have been lost or stolen via identity theft This would cause significant hardship for my family, who depend on this account for ongoing medical expenses. 

Optum has repeatedly been reckless with my account, making significant and drastic account changes without notice ; they should be heavily scrutinized by the proper regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX PA, XXXX, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$15000.00}, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}

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