vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I sent a Consumer Notice of Fact to AFFIRM INC in regards to a collection account showing on my credit report. I have tried disputing this with them to get it removed pursuant 15 USC 1681b ( a ) ( 2 ) but they have blatantly disregarded my concern stating they can not remove it per their company policy but also claim to be in compliance with the FCRA. There is no law that states AFFIRM INC is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, 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 give AFFIRM INC or its affiliates written permission to furnish a consumer report. AFFIRM INC has shared my information without my consent. This is a violation of 15 USC 1692c ( 3 ). It states, Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I will highlight that the above statement does say " a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law ... ''. A debt collector may only communicate with a consumer reporting agency if otherwise permitted by law. The law that gives permission to communicate this information is 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1692a ( 2 ), The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC
State: DE

Complaint narrative:
I contacted Carvana about possibly purchasing a XXXX XXXX through them. A consumer representative reached out from ( XXXX ) XXXX It was a legitimate call. I mentioned offhand that I would check through my financial provider XXXX XXXX  to see if I could get third party financing. The representative sent me an email at my request that included a list of financial institutions that I can not finance through. 

I began receiving phone calls the next day regarding fraud to my XXXX Account. XXXX does not reach out over phone to report fraud. 

I messaged Carvana and asked them to delete my account because in all likelihood, the representative reached out through an unencrypted phone line. I was told that they only have to fulfill the request if I am a California resident. What are my options for resolving this issue? All I want is for Carvana to delete my account. 

I take information security very seriously and do not want others impacted by my issue. I have never received fraud messages before this incident. I explained the steps I would be taking to Carvana. For some reason I can not retrieve the chat history of my complaint to them any longer. 

I filled my account with dummy information at this point but left my email XXXX as a point of contact so they could resolve my issue if they find a way. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TN

Complaint narrative:
Hello I viewed my credit report and noticed something wrong on XX/XX/XXXX there was an inquiry from XXXX was made on my credit report, therefore, I call Experian and dispute this item and it was open the next day it came back verified, I then called XXXX and explain to then that I never applied for credit so they inquire again on XXXX XXXX, I receive a letter from XXXX tating the request that Experian remove the inquires Experian refuse to remove these inquires. Also, I notice a collection on the credit report as well I Dispute it It came bake verify I have never done business with these people. I sent a Debt Validationation letter asking this company to provide all information of this debt they say owe and they to refuse to provide any original contract with them the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. Please help me understand that the credit must provide accurate information.

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 2022-03-04 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: NC

Complaint narrative:
I was told by amx that I called in XX/XX/XXXX I called to say I lost my gold card.i did not make this call and a card was sent out. I stopped using my gold gard XX/XX/XXXX. I didn't find out about this card until XXXX. I filed for XXXX  in XX/XX/XXXX and I never got the bill because I'm sure it went to the address they mailed it to. I was trying to pay the bill inXXXX when I was sent the statement that's when I found out about the account. They have taken all the charges off my account but I paid on that card because I didn't know I was paying on that card. At that time they didn't name the card they just gave the number they don't do that any more but that's how I paid on a card without knowing. I have sent them copies of there statements to prove the payments that I made and I have been waiting since XX/XX/XXXX to get my money back. One day they don't know what I'm talking about and start over. Another day they need more information. Or the back off is still working on it and have not updated them. It has been almost two years. And nothing. In XXXX I was given a name and was told he had the account since XXXX. XXXX I was told in 30 days it should be handled. Here we are in XXXX and nothing. I had a lawyer send a demand letter in XXXX and they had 10 days to respond and nothing. The lawyer told me to come to you for help because it's not enough money to pay a lawyer. It is close to {$2000.00} or more I need my money. This is there mistake and they need to fix this. I got a letter years back telling me they changed my address I called to say I never changed my address that should have been a red flag to them if I'm saying I never changed my address and the was changed. Please help me get my money back soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
My loan for the DEPT OF EDUCATION/NELN account with the account number XXXX is reporting inaccurately. The accounts stated below is transferred and closed yet they duplicated the accounts and displayed them as a negative remark on my Credit Report. I was never late in paying these accounts. Since the accounts mentioned below is already closed. I have sent dispute letters to both the Credit Bureaus and the furnisher to remove or correct the items that have been duplicated. But up until now, I did not see any changes. Under FCRA, inaccurate items should be removed and illegal practices should not be tolerated. I have attached all the necessary items to support my speculations. Also, I've put the dates of the account when they were opened. Please address this issue immediately. Thank you DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
24 calls so far for the month of XXXX. Have ask them to stop calling. They sent an email saying they didn't have an account in my name but, removed my number from their system? How do you have my number in your system, if you don't have an account for me? Have contacted an attorney about this and will move forward with legal action if this doesn't stop. Have all recorders of all the calls I have received for the last year. XXXX is the number that keeps calling me daily.

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 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
My credit score dropped 20 points recently and I did not know why. I pulled my most current credit report and found " National Credit Audit Corp '' from something from XXXX. It was reported XX/XX/XXXX but stated it was assigned XX/XX/XXXX. The creditor class states 'rental/lease ''. I do not know what this is about and why is this suddenly popping up five years later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-03-04 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: NY

Complaint narrative:
Good day, I submitted to the credit reporting agencies an agreement that myself and NY child support came to in leu of cashing and crediting the latest payment to my child support account. In the documentation, I asked that this account be removed from my credit report in it's entirety from all the credit bureaus as I've had several problems with the agency. 

One problem in particular I've had with the agency in the past is, I personally made a modification for a larger child support payment with the courts. The courts adjusted the amount of child support to come out of my paychecks at my place of employment. The correct amounts were taken out of the checks but were not being credited to the child support account as a full payment. It was reporting as an overpayment as the child support office did not enter the new order in their system correctly. 

This resulted in them issuing me an overpayment check. They actually issued me XXXX overpayment checks in this situation. For them to come back later and say that they made a mistake in entering the order and they need the money back. 

I feel that this account and it's payment history doesn't reflect me as a consumer and The agreement that myself and the child support office came up with, this account was supposed to be removed from my credit reports all together. Enclosed is a copy of the cancelled checks with the written agreements on the check.

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 2022-03-04 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: WA

Complaint narrative:
XXXX and Equifax will not remove the monthly scheduled payment amount of over {$39000.00} after the account was paid in full and there is no monthly payment. XXXX and Equifax refuses to remove this monthly error thereby violating FCRA law and litigation will follow if this is not corrected. They have received all documentation of paid in full and they are violating my rights by still showing a monthly payment amount for XXXX child support. Here is proof : Important note Account name XXXXDIVISION OF CHILD SUPPORT XXXX : Account number 74 .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
XXXX XXXX XXXX XXXX, WA XXXX No phone number available Address identification number XXXX Type Family Support Terms 1 Months Credit limit or original amount Not reported High balance $ 0 Monthly payment {$39000.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual EQUIFAX : Months Reviewed 26 Payment Responsibility INDIVIDUAL Deferred Payment Start Date Date Closed Date of Last Payment XX/XX/XXXX Scheduled Payment Amount {$39000.00} Actual Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
XX/XX/22 - 3 fraudulent transactions totaling {$2000.00} were charged to my debit card.

1/19/22 - Dispute opened regarding the 3 fraudulent charges. 

XX/XX/22 - Claim denied with no reasons given. XXXX opened. 

XX/XX/22 - XXXXl denial reasons received. 

XX/XX/22 - XXXXXXXXl reopened with responses to all denial reasons. I am informed that provisional credit will be issued on or before the 10th business day. 

XX/XX/22 - 10th business day. No credit to my account. 

XX/XX/22 - Called regarding non receipt of provisional credit. Agent tells me that my issue is escalated and I will receive a response in 3 business days. 

XX/XX/22 - 3rd business day since escalation and no response. 

XX/XX/22 - 17th business day. No credit to my account. The type of transactions disputed are all debit card transactions and listed as eligible under the provisional credit guidelines. The highest available supervisor who could be reached by telephone in the claims department has confirmed my eligibility for the provisional credit. 5th business day since escalation with no response. Supervisor on phone support escalates my issue AGAIN and says I will receive a response within 3 business days. 

XX/XX/22 - Chime can not give me a reason why I haven't received the provisional credit that I have been confirmed to be eligible for. Escalation responses are not timely. XXXX credit is not timely. So I am left with no other option than filing a formal complaint. I have been a customer for 4 years and am being treated like a criminal instead of a victim. I have also filed police reports and provided them in support of my claim. Filing false police reports is a crime so you can bet your bottom dollar I'm not lying. I am the victim of fraud and federal regulations are not being adhered to. Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have been trying to contact my mortgage company, Shellpoint, for months ( since XX/XX/XXXX/ XX/XX/XXXX ) to extend my forbearance. They have repeatedly made it impossible to get a person on the line to talk to, or provide a means of communicating ( email, etc ). 

Yesterday I filed a complaint with the CFPB regarding the fact that they would not even talk to me. 

Finally they made an effort to get in touch, and now they are asking me for additional documentation to extend the forbearance on the mortgage because their " lienholder requires it. '' They are falsely asserting the CARES act no longer applies because it expired on XXXX of XXXX. 

As a point of fact, the CARES act allows mortgage forbearances to continue past XXXX, and all I should need to do to continue my allowable forbearance is attest I am still affected by COVID-19, which I am. 

Shellpoint is therefore fraudulently trying to create hurdles to prevent folks from exercising options on the mortgage that is the mortgagee 's right. Further, it is my feeling they have effectively defaulted on their side of the obligation. Were I to refuse to speak to them for four months and then ask them to jump through hoops for something normal they would declare me in default, and foreclose on my property.

A mortgage holder does not have the ability to declare them in default and " foreclose '' on the mortgage. Therefore I am asking for regulatory sanction / punishment from the CFPB or applicable regulators to discourage them from future malfeasance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: NJ

Complaint narrative:
XXXX overcharged me interest on a credit card between XXXX. When I couldn't pay the monthly amount, the account was charged-off. They later sent me a letter explaining their mistake ( attached ). However, the charge-off remains on my credit report and is adversely affecting my credit and employment prospects. I feel as though the charge-off should be removed. When I contacted XXXX, however, they said they " don't remove negative information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My personal information was exposed in last years data breach XXXX XXXX XXXX to be exact as in my SSN and other info

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