vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
On the morning of Tuesday XX/XX/2022 I attempted to check rates via what was advertised as a soft credit pull with Amerisave home mortgage. There was an issue with the soft pull so I telephoned the help line and asked to reset the process so that I could try again online after I lifted a lock on one of my reports. The customer service person looked at the information and after a few minutes said he could look at the rates I requested and go over them with me. Unbeknownst to me he must have done a hard credit pull which is now showing up in my credit report. 

I believe that this is unfair and a bit dishonest as they mention several times that the initial credit pull is soft and would not affect my credit. I would never have requested a hard pull as we are in the process of closing on a home and this sort of inquiry could affect my underwriting process.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Hi, To whom this may concern, I have contacted the Medical Data Systems at numerous attempts. First attempt was XX/XX/XXXX via email to ask for Debt Validation. Second attempt was XX/XX/XXXX to inform them that I haven't received a response from the company to verify proof of debt within the 30 day time frame by federal law from the first attempt of reaching out to the company. I have attempted to ask the company for the following information below, The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt, including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

The company has failed to provide proof of the debt they are stating that I owe. Unfortunately, I am not obligated to provide payment to any company or agency that can not provide proof of debt or payment they are stating I owe, according to my credit report. When I called the company to confirm the amount listed on my credit report they were discussing amounts that we're never reported and informing me that I have to pay an extra amount in order to close my account, which is violation of the False Claims Act. 

I also contacted both offices via phone ( Florida and Alabama ) to discuss the concerns of my debt.

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 2022-03-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Okay I sent Equifax information service a dispute letter XX/XX/2022 asking them to validate some accounts thats on my credit report. Because Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in they files. So I wrote the dispute letters asking them to carefully verify those accounts which are XXXX Finace XXXX XXXX XXXX service and I have been proof I sent them dispute letter through certified mail. Asking them provide me proof such as a sign contract with my signature but Equifax failed to do that so XX/XX/XXXX I received a letter from them stating they verify those account are accurate and they are mines they didnt send me any proof no documentations Equifax information Service have ignored my request to provided me with the documents that they have in they files that was used to verify the disputed accounts which means that they have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncomplia eral Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

The accounts that need to be removed immediately are XXXX XXXX {$410.00} XXXX XXXX {$270.00} And dont write me back and say they were verified Im looking for any documentation the creditors sent to your company to prove this account are mines and I have all the proof. So please remove these unverified accounts from my credit Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Rent Recovery Solutions
State: TX

Complaint narrative:
Almost all of the agencies that have reported my credit have been marketing my information to obtain another payment after payments have been made. Multiple accounts have been closed also causing incorrect credit reporting and attempts to sell my information outside of the fair credit reporting act. Some of them do not report positive reflection after being paid off completely and closed they resell information to XXXX party companies with my personal information and use it to report negative reports instead of positive after payments have been made. Please contact me directly with a email or call to discuss all information regarding this issue. Thank you for all assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TX

Complaint narrative:
On the morning of Tuesday XX/XX/2022 I attempted to check rates via what was advertised as a soft credit pull with XXXX home mortgage. There was an issue with the soft pull so I telephoned the help line and asked to reset the process so that I could try again online after I lifted a lock on one of my reports. The customer service person looked at the information and after a few minutes said he could look at the rates I requested and go over them with me. Unbeknownst to me he must have done a hard credit pull which is now showing up in my credit report. 

I believe that this is unfair and a bit dishonest as they mention several times that the initial credit pull is soft and would not affect my credit. I would never have requested a hard pull as we are in the process of closing on a home and this sort of inquiry could affect my underwriting process.

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 2022-03-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello my name is XXXX XXXX. I am filing this report for my self. I do not need any assistance to contact your company about my rights and the violations that have been committed against me by your company. I am disputing an account that is appearing as a charge off on my consumer report. XXXX  XXXX XXXX is reporting the account [ account # : XXXX ] with an inaccurate date last paid. Delete this account Because XXXX is reporting the date last paid as XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. Delete for violation of section 623

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Direct Cash LLC
State: TX

Complaint narrative:
I issued a stop payment against Direct Cash LLC, and they changed their name from directcashtx to Direct Cash LL in the transaction. I consider this an unwritten attempt to revoke permission to debit my accounts. I have since sent a written attempt to revoke permission and I am awaiting a response. I consider this act deliberate as I presume they would not try to debit my account with a different name had they thought my account was closed. 

I also received a private call on the day of or shortly after the transaction, at XXXX on XX/XX/2022. I do not typically receive blocked calls. 

I am on XXXX in the state of Texas. Their abusive tactics have led me to go without food ( other than family donated ), utilities ( other than paid for by family ), and have nearly caused me to be evicted due to not being able to pay the rent. The amount of stress imposed by this companies tactics has exacerbated my XXXX and led to significant decline in everyday function. 

I also did not receive a copy of my loan agreement and was pressured into signing without reading as the agent would remain on the phone call - akin to being hovered over while you read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have lease with Ally Financial. On XX/XX/2021, I got a late payment because I had contracted XXXX and I was in the hospital for more then a month. I was fighting XXXX for my life, if I didn't contract the XXXX, I would never get a late payment in my life. The lender doesn't want to be understanding and work it out. They told me it was late and and I can't change that even though I had no way to pay it off on time while hospitalized.

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 2022-03-15 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:
I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX and XXXX - XX/XX/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 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I sent a validation letter to professional finance on XX/XX/XXXX, requesting Validation of Debt and HIPAA authorization. On XX/XX/XXXX, I received a response, a printout of a statement from University XXXX XXXX, and a letter from Prof finance refusing to provide proof to validate the debt. Which is a violation of The Health Insurance Portability and Accountability Act of XXXX ( HIPAA ) Privacy and Security Rules. 

Not only did they refuse to provide proper documents, they violated Fair Debt Collection Practices Act XXXX ( 1 ). '' They provided me with a statement from the provider which is a total of {$730.00}, and trying to collect {$1300.00}. Again refusing to provide any documentation of where this extra {$570.00}. is coming from. 

I sent a cease and desist and requested removal from my credit report and have never heard back from them. This is now 6 months without it being removed or a response from them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: LEXISNEXIS
State: NJ

Complaint narrative:
I contacted Lexis nexus on XX/XX/2022 because I feel as though they have furnished information without it being verified and with my consent which is causing a negative effect on my credit reports. I have contacted them for methods of verification on the bankruptcy case they are reporting to others. They have not yet responded to where they have confirmed this information with. And it is to my understanding that they are in violation of 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF EDXXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX I went to Wells Fargo ATM XXXX At XXXX XXXX XXXX XXXX ga XXXX and made a cash deposit of {$8700.00}. For Some reason, the atm took all the cash. I tried to cancel the transaction, but the atm wasn't allowing me to get my money back. It was late at night and the was a line of cars behind me which caused me to be anxious and patiently wait to make sure the money wasn't going to come out of the atm. I Called Wells Fargo as soon as I drove off to let them know what happened and they said they're going to investigate. In the car with me was my husband and my mother, I received a letter in the mail that after the investigation, the amount I supposedly deposit was {$4400.00} which is false. I don't seem to understand how the atm took an additional {$4200.00} and it not be in the atm or counted correctly. Normally with cash in the atm they go based on ATM being out of balance. So if ATM was out of balance only $ 4k thats probably why they only did that credit. The banks and atm have cameras they could possibly check the cameras because I'm missing half of the money that I deposited. Investigation was closed without them telling me what they did or use to complete the investigation. I Called them and they said the case was close they couldn't re-open those type of cases. So I submitted a complaint with the line of executive waiting on them. 
Today on XX/XX/XXXX they're going to deduct from my account {$4200.00} provided to me earlier on XX/XX/2022 to complete the {$8700.00} that I deposited I would like a further investigation to be done and the refund of my money

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 2022-03-15 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: NJ

Complaint narrative:
I noticed multiple accounts and inquiries on my report I do not recognize

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 2022-03-15 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: NJ

Complaint narrative:
I noticed multiple accounts and inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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