vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-23 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: The CMI Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX Past due balance in the amount of XXXX Also attached to the address XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX opened XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX amount for bill XXXX have no knowledge of any of these accounts having my permission to have been opened. 

Not only did I not open this account I have also never stayed at the address listed.I have tried calling the creditor along with XXXX, nothing has changed I would like for this to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
in XX/XX/2022 I sent professional financial services a affidavit letter of recession for failed to disclosed they then stop my repairs that was going on with my car and sent letter stating the had repossessed it which was false I still had it once they figure that out they took me to court and the ruling was in they favor I also sent in coupon to pay for the car which they didn't send back or apply to the note .I also sent in affidavit to them about the securitization of the note and they then sent me a letter saying the car had been sole I sent them a package of every letter I have from them and that I sent to them stating all the fraudulent things they was doing they stop responding to me I also file a ucc1 because they took my trust property private property and then sold it according to them in the public without just paying me anything I have been sick and loss my baby so I'm just now carrying on with my processing with a lawsuit against them they never responded back so I guess they agree to all the fraud and conspiracy against them I also sent a fee schedule in to them from my trust telling them how much if they didn't responded its also way to many letter to upload but I have all the copies and so do they

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
For over XXXX months I have tried to change my direct debit bank and it keeps getting messed up. They keep tacking on late fees and pushing payments onto the end of my loan which accrues more interest for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I always go on XXXX XXXX to check my credit score. I should only have one card open on my account which is XXXX XXXX XXXX XXXX It says there was an update on my account on XXXX XXXX on XX/XX/2023 and it said that I had an account open for a year and one month in the name of it was community credit/Pierier it says the amount that was open was {$350.00} credit limit. It says there was 0 % usage but it says it was open the year ago. I have not seen anything like this on my account. I check my account frequently like once a month and I never saw this until today. I did take a picture of it as well. I just didnt want it to affect my credit. I called two different banks that I thought the credit card was with, but both of the bank, said that it is not a bank that they even recognize, and that it could be credit fraud. I just wan na double check to make sure nothing is on there that I did not do. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This credit card is for dental care which has been completed. The balance on the card was {$1700.00}. I was sent a bill for over {$4600.00} on XX/XX/XXXX. I called Care Credit and made a payment of {$1800.00} on XX/XX/XXXX and they explained that my balance would be XXXX and I would not be charged any additional interest. I've contacted them XXXX times by phone and each time they stated that I would not be charged interest because I paid the entire balance on XX/XX/XXXX. My balance shows that I owe over {$2700.00}!! They are trying to take advantage of me because of my age and never told me about any additional interest. I've been making all the payments each month and have paid the remainder ( which was {$1700.00} ). I paid {$1800.00} on XX/XX/XXXX. They said that would cover the entire remaining balance.

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 monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was behind on payments and I entered a deferement proposal with the company. After making my payment I was sent a new contract updating me that my next payment will not be until XX/XX/2023. Their website is showing that I am a day late with my payments. I contacted the company 3 times on XX/XX/2023 via phone and email. I uploaded the contract they sent to me back to them via email. I spoke to the customer service rep ( s ) and they told me as well that I was late 1 day and that they would not honor the contract given to me by their company. I spoke to another rep and she has the same contract that I have and it shows that my payment is not due until next month. They refuse to honor a contract that was given to me by their office which is a breach of contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: NC

Complaint narrative:
The following accounts are not accurate and need to be deleted immediately from my credit report. 

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 2023-08-23 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: GA

Complaint narrative:
These inquiries were never done by me.. but a result of identity theft. 

XXXX - XXXX XXXX- XX/XX/XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-08-23 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: TX

Complaint narrative:
I am a victim of identity theft. I have sent the correct paperwork per the FCRA to fix my credit reports. The reporting agencies are not attaching these documents to my disputes and not filing the disputes properly per the FCRA. 

I am not getting copies of the verification process per the FCRA. 

These are the accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I have sent the correct paperwork per the FCRA to fix my credit reports. The reporting agencies are not attaching these documents to my disputes and not filing the disputes properly per the FCRA. 

I am not getting copies of the verification process per the FCRA. 

These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Co

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 2023-08-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express put a negative mark on my experian credit report for a debt of XXXX that I have no knowledge of and has damaged my credit for no reason Ive never done no dealings or buisness with them and I want it removed immediately!! They have nothing to prove thats my debt and this is illegal!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX A/C : XXXX Outgoing wire transfer - {$18000.00} I did not do the wire transfer, not sure who entered my account and did it, XXXX said they can not refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo froze my account with no warning with over {$5500.00} in it. After reaching out to the company and getting the runaround for several weeks I received two dismissive emails from the company saying they would not release the money and might possibly keep it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Over the last year I have lost approximately {$3000.00} to fraudulent use of my Wells Fargo Debit Card. I have initiated three separate investigations and ordered three new debit cards and each one has been hacked and money stolen. Each investigation has concluded that no fraud is involved and basically I am a liar and a thief. The last debit card was shipped to me at the end of XXXX this year. I changed my user name, password and PIN number. Yesterday at XXXX someone attempted to withdraw {$21.00} from my account from an ATM three hours from where I live. Fortunately I have my card turned off so the transaction was denied. I called Wells Fargo yesterday and they were apologetic but they still stand by the results of their investigation that I am the one responsible. I am a senior citizen supporting my XXXX wife on my Social Security check. I dont know where to turn or what to do. Please help.

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 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
One Main Financial has called me repeatedly multiple times a day. 
from XX/XX/XXXX - XX/XX/XXXX they called me XXXX times a day, multiple times a day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these are just the dates that I counted. this goes on almost every day. XXXX sending me emails as well. 
This is harassing me and I want it to STOP! XXXX phone call a day is alittle ridiculous but

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Freedom Mortgage Company
State: TX

Complaint narrative:
I am refiling this complaint to FREEDOM MORTGAGE CORP for allowing the fraudulent account on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my 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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
On XX/XX/2023, I ordered a portable air conditioner from XXXX for {$470.00}. It was marked delivered at around XXXX on XX/XX/2023, but the picture attached to the XXXX  tracking number provided was not at my house. I have cameras and no delivery driver ( or anyone for that matter ) came onto my property. I searched around my house and immediate neighbors houses just to be sure, with no luck. After reaching out to the Merchant ( XXXX ) they informed me since XXXX provided a proof of delivery ( even with it being at the incorrect house ) they would not be able to help me with a refund and I should dispute this charge with my credit card company, American Express. I put in the dispute ( Ref. NoXXXX  ) the next day, providing a detailed written explanation as to why this charge was being disputed, along with photos of my house both in person and on XXXX XXXX to corroborate the fact that it was NOT delivered to my house, the house in the photo XXXX  provided does NOT match. I expected a prompt and easy resolution, what I have recieved couldn't be further from that. The dispute has been continuously closed in XXXX favor over and over, NONE of the agents will look at the proof I have provided to them. They are taking the " proof of delivery '' from XXXX, provided by XXXX, and claiming that since XXXX says the item is delivered I am not entitled to a refund. This is not what the dispute process is for/about. I have already reached out to the merchant myself, and was unable to reach a resolution. The product was never recieved, THUS the dispute. It is supposed to be their job to investigate this incident, and instead of doing any investigation of the proof ALREADY PROVIDED they just keep continuing to reach out to XXXX and ask them if I deserve a refund. This is absolutely frivolous. Of course, the merchant is not going to say I should be refunded when I have already reached out and asked for a refund that they denied. The whole point is for an investigation to take place, to look at the evidence available. I have provided evidence while XXXX has nothing but a page saying " yes it was delivered to this address '' I am absolutely shocked at this process and the outcome. I will continue to dispute the charge with Amex as long as I have to, I will NOT be paying almost XXXX dollars for an item I never recieved. 

I will include the pictures mentioned previously ( of my house and the XXXX  delivery photo to the INCORRECT house ) with this complaint. These photos have already been submitted to Amex and they do not review them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
I had a notice of collections that appeared on my credit report lowering my credit score by about XXXX points. On my XXXX credit report, it states the account was open XX/XX/2023. It was then sent to collections in XX/XX/2023. The amount owed is {$3300.00}. 

XXXX states it is for " AT & T Mobility '', a company I have never had before. This does not belong to me. 

I have tried to contact Sunrise Credit Services directly but they will not speak to me unless I give them my social security number ( which I am not willing to provide to these people ) or my current address. I gave them my address and they asked for a different address. I refused to give any other information because I am not going to continue providing personal information that they could continue to collect and use. I have disputed this with XXXX twice. The first dispute was through the dispute department on XX/XX/XXXX. The second dispute was through their fraud department on XX/XX/XXXX. They advised that I reach out to this site as well and I am doing so now. 

Please let me know what information is needed that I can provide to get this balance and history removed from my credit and restore it to it's accurate 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 2023-08-23 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, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Hello I had a car loan with Wells Fargo and had multi payments applied incorrectly and would constantly have to call them to rectify payments. I contacted them about the settlement and they said I was in eligible, but I have difficulty believing them. I would love for someone to look into this matter.

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