vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally FinancialXX/XX/2019 - Hard inquiry ( never authorized ) My credit has a fraud victim alert so I'm very unsure how this credit pull was authorized without my consent

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 2021-05-19 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: CA

Complaint narrative:
I Saw two accounts and two inquirires that are not mine they do not belong to me and I have not signed or authorized these accounts or used them for that matter I need help removing these from my credit report they are not mine!!!! 

Account Name : XXXX  XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  - CARD SERVICE Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

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 2021-05-19 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:
I Saw two accounts and two inquirires that are not mine they do not belong to me and I have not signed or authorized these accounts or used them for that matter I need help removing these from my credit report they are not mine!!!! 

Account Name : XXXX  XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  - CARD SERVICE Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CT

Complaint narrative:
XX/XX/XXXX : Received email from Discover regarding " Earn a {$45.00} statement credit this holiday season when you activate your offer and sign up for a new {$45.00} XXXX XXXX membership online or in club with your Discover card, nowXX/XX/XXXX. '' XX/XX/XXXX : Relevant purchase posted to credit card. 

XX/XX/XXXX : Contacted Discover customer support regarding statement credit not having posted. Escalated to a supervisor. Discover claimed I must not have met one of the conditions, but was unable to specify which one, and refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
For The Past two years I've been trying to remove old Addresses from Equifax credit report. I've sent leases, utility bills and everything i could to prove that these address dont belong to me .but they always re appear with no explanation. 


The address in question goes as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian and XXXX on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for XXXX XXXX XXXX XXXX - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond 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 non-monetary relief
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
At or around the beginning of XXXX I checked my XXXX account online and I notice an XXXX XXXX Charge for XXXX that I have never authorized or agreed to pay. I call my bank and placed a disputed and they said that they will investigate the claim, now less than 2 weeks after my complaint I'm getting a letter from a collection agency trying to collect on a debt that I do not recognize and I certainly do not owe. The representative was very rude and refuse to prove that we actually owe this debt and start pressuring us to accept that we are responsible for this debt and until we prove that we don't they will be continuing reporting this debt as well to credit bureaus and XXXX and as far I know they by law need to prove me that I owned the debt before they try or intended to collect on such debt. I was trying to make sense but they were pushing and pressure me to settle an account that I DO NOT Owe. 

I'm in the process of buying a house for my family and this dishonest practice will affect me in a big way, this type of collection should not be allowed especially without them proving that I actually, legally owned them the money. 
They suggested that I gave them my social, bank account, and routing number that is XXXX, I just got robbed on my own account why would I provide you with such private and non-public information. Make no sense

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed several disputes on removing this Bankruptcy that is NOT mine and everytime the dispute is complete, it shows that XXXX  AND TransUnion keep verifying a Bankruptcy on me that does NOT exist. I have a Letter from the U.SXXXX XXXX Bankruptcy Court stating that they do not verify anything that I have been having since XXXX of XXXX and I have a letter from XXXX stating that they have removed this off of my Consumer Report as of XX/XX/XXXX. 

NOW Both Credit Bureaus, Transunion AND Experian keep saying they were able to verify my bankruptcy as of XX/XX/XXXX and will not delete it off of my credit reports. Please help me, because both bureaus insist on keeping this Bankruptcy on my credit report and I want it off of Both my reports immediately! Thank you so much in advance. 

Respectfully Submitted, 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 explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed several disputes on removing this Bankruptcy that is NOT mine and everytime the dispute is complete, it shows that Experian AND XXXX keep verifying a Bankruptcy on me that does NOT exist. I have a Letter from the U.SXXXX XXXX Bankruptcy Court stating that they do not verify anything that I have been having since XXXX of XXXX and I have a letter from XXXX stating that they have removed this off of my Consumer Report as of XX/XX/XXXX. 

NOW Both Credit Bureaus, XXXX AND Experian keep saying they were able to verify my bankruptcy as of XX/XX/XXXX and will not delete it off of my credit reports. Please help me, because both bureaus insist on keeping this Bankruptcy on my credit report and I want it off of Both my reports immediately! Thank you so much in advance. 

Respectfully Submitted, 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 explanation
Consumer complaint received 2021-05-19 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: TN

Complaint narrative:
I am a victim of Identity Theft. There are lots of accounts in my credit report that is not belong in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NY

Complaint narrative:
Credco XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I did not authorize a credit pull

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 2021-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR

Complaint narrative:
I was making payments until XX/XX/XXXX when I lost my job due to covid I have since found a job as of XXXX XX/XX/XXXX select portfolios serving has put a sale date on my home I've been trying to work with them however all I'm getting is they want to sell my house they sent me paperwork with an rma in there then I send it in and they return paper saying there is no rma fir this loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems
State: TX

Complaint narrative:
XXXX FINANCIAL DATA SYSTEM XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reportinXXXX this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
I did not consent authorize nor benefit from the following inquires please block and remove them immediately. I have attached a FTC Report with all of the inquires listed that i want removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
Today, XX/XX/2021, I chatted online with a customer service rep with AES ( Department of American Education Services ) about my private student loan from XXXX. I did not graduate because of coronavirus and I want to go back to school and finish my degree. I can not afford the payments for repayment. I only make about an average of {$500.00} a week and the payment for the loans is about $ XXXX and I already have $ XXXX/month in rent and I also have other loans. The only options I were given were where I can temporarily decrease the payment by about {$100.00} and then in about 12 months I'd have higher payments, or I can increase the interest and do something else. I can not afford the payments at all. I can not afford to live or accrue a life savings. My only options for loan forgiveness are to be diagnosed with a XXXX, which I might actually have but would rather not live with the stigma ; or I can die.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE ANY OF THE ATTATCHED INQUIRIES THAT HAS BEEN ILLEGALLY FURNISHED ON MY CONSUMER REPORT IN VIOLATION OF 15 USC 1681(c)(1)(A).

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE ANY OF THE ATTATCHED INQUIRIES THAT HAS BEEN ILLEGALLY FURNISHED ON MY CONSUMER REPORT IN VIOLATION OF 15 USC 1681(c)(1)(A).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I did not authorize a credit pull

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$6800.00}, {$3500.00}, {$6200.00}, {$14000.00}, {$20000.00}, {$3100.00}, {$7500.00}, {$0.00}, {$11000.00}, {$12000.00}, {$14000.00}, {$0.00}, {$1600.00}, {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

11. XXXXK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

13. XXXX XXXX XXXX  XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

14XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNT 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Contacted my mortgage company by phone and mail to request that my payment remain the at 3 % and not be changed to the 3.75 % as scheduled for XX/XX/2021. my request was that the interest match the current rates that were less than 3 %. 
The current payment was the result of a mortgage modification my payment were lowered. 
I was advised over the phone that the case was closed because I did not return forms. I asked when the forms were sent out because i never received them. Asked if they could be sent again As of XX/XX/2021 there have been no acknowledgement of my request. The never received comment reminded me of my bad experiences with XXXX 's 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 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: FL

Complaint narrative:
I have had repeat problems with KeyBank related to wire transfers, specifically regarding the XXXX XXXX XXXX. Going back to XX/XX/XXXX, I was purchasing a vehicle out of state. I spoke with the branch manager XXXX and asked her how I would go about initiating a wire transfer for down payment. XXXX told me that there are absolutely no wire transfers within the branch and that they are almost always a scam. So, instead I had to do a bank certified check which was a huge pain. I also do XXXX investments which requires a domestic wire transfer, so on multiple occasions I had to send personal or certified checks because I was under the impression that KeyBank did not offer any wire services. Fast forward to XX/XX/XXXX and I am purchasing a 2nd home in Florida. I called KeyBank to see what the process would be for closing and they said I could do a wire transfer over the phone. Two days before my closing, I called to initiate the transfer and they told me I had to do a transfer in the branch only. I called the XXXX XXXX KeyBank branch and they once again told me they do not offer wire transfers period. I asked him to look into it and he said he would to " appease me. '' His name is XXXX at XXXX XXXX KeyBank. He ended up being 100 % wrong. This entire time, they could have done wire transfers for me in the branch. On top of that, my mom had to wire {$25000.00} for me as a gift towards the home. When she went into the branch, XXXX told her it was again a scam and that wire transfers were dangerous. My mom called me crying from the parking lot not knowing what to do. In order to transfer the money for my closing, I ended up having to do a round trip flight from XXXX to XXXX to visit a branch to sign a piece of paper. This ended up costing me over {$1000.00}. The wire transfer misinformation is just the beginning when it comes to the issues I've had with this XXXX XXXX KeyBank branch. Just today, my contractor told me he was being questioned by someone in the branch about what I was doing and why I was writing him so many large checks. This branch has repeatedly been nosey. Last year, I had someone fraudulently take around {$3000.00} from my business account with XXXX I told them at the branch it was 100 % not me. They told me that because I receive wire transfers into my business bank account, it was my fault and that if I went through with the report that they would most likely rule against me. I moved forward, filed a police report and the bank ultimately ruled in my favor. The XXXX XXXX branch needs an overhaul, specifically XXXX and XXXX. Please follow up with me.

Company response to consumer: Closed with explanation