vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I received a notice of a change to my credit report. When logging into my account I found that there was a collection action on my account without my having been notified by the bill collector that they alleged a debt to be owed by me. They did not send a letter for me to dispute the alleged debt before putting it on my credit report. A " Certified Mail XXXX  # XXXX '' letter was sent to company, So far I have not heard from them. The company is : CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: IL

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

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 2021-07-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX opened the collection account on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX  for the amount of {$1800.00}. This company never contacted me until they reported me to Experian in XX/XX/XXXX. This is an unfair collection because I terminated my lease under Section 92.054 ( b ) of Texas Property Code due to an unlivable condition in my apartment unit that last for two weeks ( XX/XX/XXXX - XX/XX/XXXX ) due to electric outage and flood from the winter storm. The Texas Governor 's Office also issued a disaster declaration on XX/XX/XXXX. The apartment management was unwilling to move me to another unit without paying extra, which I have that right as a tenant. Additionally, water removal and moisture mitigation were improperly done, resulting in molds and more water. I decided to exercise my right and terminate my lease under Section 92.054 ( b ) of Texas Property Code, which provides the right to terminate the lease without penalty as well as to receive pro-rata refund of the rent and the security deposit. All I wanted was to have a place in a livable condition that this apartment complex failed to provide. 

I have also tried to dispute this report through Experian but without success. I believe that Experian has violated violated the Fair Credit Reporting Act.

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 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a notarized affidavit of truth along with a cease and desist, proof of violations and an invoice for those violations to Credit Collection Services. They received the documents on XX/XX/2021. The 30 day mark is quickly approaching and I have not received nor heard anything from Credit Collection Services on what they intend to do to provide remedy for the violations committed against me as a Consumer. They have violated my rights in multiple ways which I have sent proof of and I intend to bring legal action against them if remedy is not provided. I will take silence and failure to comply or respond as agreement to my terms. Pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ), Credit Collection Services is liable for providing remedy for the violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Southwest Credit Systems, L.P.
State: UT

Complaint narrative:
Southwest Credit Systems is reporting an erroneous debt on my credit file. I recently checked my credit file an noticed this debt. As soon as i saw it i called and paid off the debt. I never received any calls or notices about this debt and wouldn't have known this debt existed if i didnt check my credit file. That is a violation of my 30 day right to dispute. I would like Southwest Credit Systems to remove the collection off of my credit file. It shouldn't have been added as i was not notified about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: LA

Complaint narrative:
Paid pro collection XXXX dollars to pay off debt and remove from credit report

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 2021-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: TX

Complaint narrative:
My checking account was charged with fraud by a company named MoneyLion on 3 separate occasions. 

XX/XX/2021 : XXXX XXXX XXXX  MONELYLION XXXX XXXX XXXX XXXX for {$44.00} XXXX XXXX XXXX  MONEYLION XXXX XXXX XXXX XXXXXXXX for {$9.00} The exact same charges occurred on XX/XX/2021 and XX/XX/2021. 

I've called the company and sat on hold for 2 hours only to be cut off right when I was supposed to speak with a customer service rep. 

I emailed them stating fraud was charged and they responded asking me this : Dear XXXX, Thank you for your reaching out to MoneyLion Customer Care. It looks like youre contacting us to get more information about the unknown charges on your account. We understand your concern about providing me your information, especially without having an account with us, and you want immediate access to your funds. We ask for this to help us locate the MoneyLion account to which the fees were applied. We need the following to help resolve this for you. 

Your Full name ( first and last ) Financial Institution name where the charge occurred The last 4 of the debit card charged Last 4 of the bank account number charged Date of charges Amount of charges : three {$44.00}, three {$9.00} Last 4 of your SSN Email address to contact you Your phone number Our Risk Team will review the information you provided. There is no need to contact us any further regarding the transaction. You will need to contact the bank from which these funds were taken and file a Transaction Dispute. We will work with that bank to resolve this matter as quickly as possible. 

Should you have any other questions or require further assistance, please visit our help.moneylion.com site for more information about MoneyLion and our products! OR reach us out at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Sincerely, MoneyLion Customer Care Specialist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I have reached out to XXXX XXXX on more than one occasion to explain to them the debt for the car loan was in litigation. I have been trying to get this removed for over a year now. I dispute it and they send me the same paperwork over and over again. I provided paperwork and proof showing it was part of a class action lawsuit. I also provided documentation showing that the debt was supposed to be removed from my credit report and they refused to remove it. The item is on my credit report multiple times by both XXXX XXXX and Ally financial.

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 2021-07-08 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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
My identity was stolen to open small unsecured loan in the amount of {$950.00} with a lender called AFFIRM Inc. On XXXX XXXX, I supplied AFFIRM Inc. with the documents they requested to formally dispute the account. These documents included a signed affidavit, police report, and copy of my government photo ID ... as directed. However, sadly, they have become non-responsive to me in this matter. I suspect in doing so, they hope the unpaid loan will move to a collection agency so they dont have to deal with it. 

I have re-sent the information NUMEROUS times but they ignore my emails requesting a status update. Calling them results in speaking with low tier individuals they are unable to tell me the status of the case. 

I will try to attach all documents if the system allows ; Identity Theft Notification & Affidavit, and a copy of the police report. 

I have disputed this twice with XXXX  but they continue to side with Affirm who states I am liable for the loan. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: French Financial, Inc.
State: TX

Complaint narrative:
I have a small new personal loan from Guarantee Loan Service ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) ph # XXXX XXXX of {$400.00} that was due for it's first monthly payment of {$60.00} on XX/XX/XXXX. This company calls and uses text messages excessively and harasses their customers. During XX/XX/XXXX - XX/XX/XXXX ( 3 days were weekend and holidays ) I was called on my personal business cell phone a period of 5 times with 2 of those calls answered by me confirming I would be making a payment. I was left 3 voicemails, and additionally I was texted 3 times ( which I replied to 2 of them separately from the phone calls ). The company made contact with me 4 times within 4 business days ).

I spoke to the Manager ( XXXX ) on ph # XXXX XXXX and made the minimum payment on XX/XX/XXXX when my account was 7 days past due. I informed XXXX not to call my cell phone any longer or text and instructed her company to cease and desist future calls to that number. XXXX said, she will not stop calling and demanded I pay the loan in full if I didn't like it. I informed XXXX that the cell phone they called is a personal business cell phone and that I do not want them calling there anymore because even when I answered and confirmed I would make the payment they still called and texted daily. I also informed XXXX that she could not simply demand payment in full and that I have a monthly contract and within the 10 day late fee grace period. I was asked to make a payment and provided my debit card info by phone. XXXX texted me harassing me again even after I paid my minimum payment due and wrote to me, " Then do not use a business phone for personal business Have a great day '' on XX/XX/XXXX @ XXXX CST. I had already paid my account current as of XXXX XXXX  CST and ended my business call with them. 

On the phone call XX/XX/XXXX @ XXXX XXXX  CST XXXX says they don't need to follow CFPB Regulations or acknowledge cease and desists. XXXX says they can call whoever and however many times they want and text. XXXX said that she is a collector and that's what she will do. 

This company knowingly harasses customers for payments by phone and text. Additionally, I did not receive a verbal confirmation of the amount of my payment made, date of payment, nor was I provided with a confirmation number for my debit payment by phone with XXXX. I do not believe they take payments over the phone in a manner that protects consumers or their information as required by regulatory guidelines. 

I would like this complaint logged and investigated. 
Thank you,

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 2021-07-08 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: FL

Complaint narrative:
I was the victim of multiple credit card fraud via a XXXX card. This fraud was timely reported to XXXX on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a XXXX point drop in my Credit Score and is due to a negative remark reported to Transunion by XXXX on one of these fraud accounts ( XXXX XXXX XXXX XXXX XXXX ) I contacted XXXX and they told me they can't do anything since they sold this account to XXXX XXXX collection company. 

I need XXXX to contact Transunion and remove this remark since it was a fraudulent purchase. 

I need XXXX XXXXXXXX to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need XXXX to send me a check with the {$120.00} credit I was debited from my account during the fraud.

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 2021-07-08 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: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
I was the victim of multiple credit card fraud via a XXXX card. This fraud was timely reported to XXXX on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a XXXX point drop in my Credit Score and is due to a negative remark reported to XXXXn by XXXX on one of these fraud accounts ( XXXX XXXX XXXX XXXX XXXXXXXX ) I contacted XXXX and they told me they can't do anything since they sold this account to GC Services collection company. 

I need XXXX to contact XXXX and remove this remark since it was a fraudulent purchase. 

I need GC Services to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need XXXX to send me a check with the {$120.00} credit I was debited from my account during the fraud.

Company response to consumer: Closed with explanation