vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I am writing to dispute the following information on my credit report from Net Credit. A settlement was made on XX/XX/2019 on my behalf by a settlement agency " XXXX XXXX XXXX  '' in the amount of {$2300.00}. Of that settlement {$2200.00} has been paid to Net Credit. 

During the pandemic, I missed a payment as I moved to XXXX, as a result Net Credit cancelled my agreement and basically took my money and are saying I owe approx {$4500.00}. 

I have did attempted to reinstate my settlement agreement with Net Credit and pay the remainder of the settlement owed {$130.00}, however they have been extremely difficult and unreasonable to deal with. They will not acknowledge that I have paid {$2200.00} towards the settlement, making them a predatory lender. 

Please find proof of payments that were paid to Net Credit. Can you please investigate this matter and delete the disputed item as soon as possible, as it is 100 % incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
My brother passed away in XX/XX/XXXX since then dealing with this company has been a headache to say the least. Recently, I realized that after finalization of the loan XXXX checks were issued due to over payment. I have contact Bridgecrest on numerous occasions to have this resolved, to date they have yet to rectify the issue. 

I contacted bridgecrest in mid XXXX to advise them of reissuing check to address the payee as they were issued under my brother 's name. My brother was deceased at the time of loan closeout and repayment. I obtained a loan in my name to clear his debt. 

XX/XX/XXXX - checks were reissued to the estate of XXXX XXXX XXXX- I contacted bridgecrest to advise that XXXX does not have an estate and the checks needed to be reissued in my name. 
XXXX - Contacted bridgecrest again, as I had not received the reissued checks. Representative I spoke to stated that checks had been mailed out XX/XX/XXXX and to allow 7-10 business days for arrival. 
XX/XX/XXXX - contacted bridgecrest on 10th business day as I had not received checks. Representative advised me that the rep from XXXX had provided misinformation and the checks had not in fact been reissued. Rep also stated the earliest reissue would be in 10-15 business days. 

This issue has been on going for 2 months with multiple phone calls and no resolution. Each calls seems to have me looped and asking me to wait more time on something that could have easily been resolved on 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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: OK

Complaint narrative:
I had a company XXXX, that was trying to collect a Debt for the amount of {$1900.00} they turned the amount to a company called XXXX XXXX XXXX in XXXX which placed it on my credit report, I disputed the account with all 3 credit bureaus and successfully got the item removed from all 3. This debt not owed by me has been off my credit reports for many years now. Recently a Debt purchasing company purchased this paper from XXXX XXXX XXXX who represented XXXX, and without any notification by phone, email, or text they placed the account back on my Credit Reports without any chance to dispute the matter within 14 days I am allowed by law. I would have explained to them the circumstances with this debt not owned by me, but they never notified me, I was notified by XXXX that they placed this debt on my credit report without contacting me what so ever. I want this removed and they should be fined due to their lack of abilities to follow the laws that govern this matter thank you

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 2023-05-12 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: PA

Complaint narrative:
On XX/XX/XXXX i checked My WellsFargo account before it was time to pay my 1st of the month bills ( rent/car note/school/utilities ) and noticed a significant amount of money have been missing. I dont usually check my bank account as Im familiar with what comes in and what goes out! This particular evening i checked To prepare myself for the coming month. I noticed several transactions from XXXX Sports book that I did not authorize. 
XXXX XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1100.00} These are the dates and amounts of the transactions i did Not approve of! Ive disputed and claimed fraud with Wells Fargo, Ive asked to have mangers/supervisor to give me a call and nothing have progressed! I called The bank today and was told my claim have been denied and closed! Never received notification of any sort! I can not accept this! Now another weekend, no funds no calls, nothing! I am Absolutely disgusted with this bank! 
I am now 2 weeks behind on my bills, i am A XXXX XXXX XXXX XXXX. Ive been a customer with wellsfargo since XXXX. I am Disappointed, disheartened, frustrated!!! This is very inconvenient!!!! I removed my money for my savings account and plan to close my accounts! Please assist with this issue! 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
I am a victim of identity theft due to the XXXX breech and it still has an effect on my life to this DAY, and I have had many accounts compromised or opened in my name without my knowledge. Some of the companies have replied and agreed to remove the fraudulent accounts off of my report. I've reached out to XXXX, XXXX and XXXX XXXX  MANY TIMES regarding these accounts and they ALL have agreed to remove accounts! I even sent the credit bureaus proof many times and they have the audacity to say its " ACCURATE '' but have removed other fraud accounts which makes no sense to me. 


Many more accounts have been appearing from XXXX and they never follow up to make sure it was me opening those accounts! 

I'm tired and have exhausted all my options I have many police reports, an FTC report, and Letters from these Creditors and yet they're still reporting to my credit!

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 2023-05-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX, has violated my rights.

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: MI

Complaint narrative:
IT IS INFORMATION ON CREDIT FILE THAT DOES NOT BELONG TO ME I HAVE NOT GIVEN MY INFORMATION TO ANYONE FOR THESE ACCOUNTS I DID NOT RECIEVE ANYTHING FOR THESE ACCOUTS IT IS ADDRESSES AND INQUIRIES AS WELL. I HAVE FILED ALL OF THE REPORTS WITH THE POLICE AGENCY AND FTC. ALL THE ACCOUNTS THAT NEED TO BE REMOVED ARE AS FOLLOWS 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 XXXX XXXX XXXX XXXX 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 2023-05-12 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally financial initially double reported negative information on my reports. I had a lease that I had surrendered and I looked at my credit reports some time after and saw the lease, it was correct. Some late payments but was reported as satisfied and paid in full. Then there was another item from ally stating that I owed XXXX. So I disputed the later being I have no clue what the XXXX account was, what they stated why I owed and their initial response was stating end of lease termination and deleted the account I was aware of and kept the one not belonging to me affecting my credit report with two items that were negative and falsely stating I owed XXXX dollars. My credit was adversely effected by this, lowering my scores. I kept disputing and finally it was removed from one of my reports but remains on others. I have no clue what this debt is. End of lease means nothing to me. I wasnt told at the time of leasing it that I would have a final payment. I was never notified of any charges owed. This has cost me credit and money due it resulting in lower scores and higher rates

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 2023-05-12 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: Self Financial Inc.
State: IL

Complaint narrative:
I have multiple account that are fraudulent! Please investigate this. Self card, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am a victim of identity theft, and an account was fraudulently opened with Discover Bank using my personal information, including my name, XXXX, and date of birth, on XX/XX/XXXX. The address and phone number used to open the account were not mine, and they belong to the thief. 

I am a XXXX citizen who has been living in XXXX for the past 13 years until I came to the XXXX for work on XX/XX/XXXX. At the time of the identity theft, I was not present in the XXXX and did not have any address here. I discovered the fraudulent activity after my arrival in XXXX, and since then, I have been disputing the fraud account with Discover Bank . 

I have submitted a Police Report, Passport Copy ( with stamp pages ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. for past years ( issued by XXXX XXXX and Border Protection ), my VISA status, and all possible documents to prove that it was impossible for me to open an account, receive a card, or make any transactions in the XXXX during that time. However, Discover Bank keeps denying my dispute, claiming that the account was opened with my information and that a statement was sent to the thief 's address. It seems like the investigator is missing the whole point that my ID was stolen and used to create a fraudulent account, and that Discover Bank sent the fraudulently made card to the thief 's address for illegal use. 

Timeline : XX/XX/XXXX : Called Discover Bank, advised to call collection agent ( Radius Global ) XX/XX/XXXX : Called XXXX XXXX, advised to wait for notice XX/XX/XXXX : Received a letter from Discover Bank, asking me to submit dispute by fax XX/XX/XXXX : Sent fax to dispute ( explanation letter, SSN copy, Passport, Police Report, etc. ) XX/XX/XXXX : Received a denial letter from Discover ; called to reopen the case and sent fax again ( same as XX/XX/XXXX ) XX/XX/XXXX : Received another denial letter from Discover ; called to reopen the case and was asked to submit passport stamp page XX/XX/XXXX : Sent fax ( explanation letter, passport stamp pages, US Gov documents, XXXX copy ) XX/XX/XXXX : Called Discover and confirmed the receipt of fax XX/XX/XXXX : Received another denial letter from Discover XX/XX/XXXX : Called Discover to reopen the case again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-12 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: CA

Complaint narrative:
XXXX XXXX Bank is falsely reporting a credit card in my name on my credit report with an open date of XX/XX/XXXX with a charged off amount of $ XXXX reporting XX/XX/XXXX. I disputed the account first with XXXX XXXX, my long time Bank back in XXXX of XXXX and also disputed the false reporting with XXXX, XXXX and Transunion in XX/XX/XXXX. After an initial denial of my dispute, my research led me to discover my rights being violated in accordance with the Fair Credit Reporting Act 15 U.S.C. Sec. 1681i ( a ) If there is no proof delete item. This false reporting has also violated my rights in accordance with 15 U.S.C. 1681 section 602 I have a right to privacy and section 604 A consumer Agency can not furnish an account without my written instructions. No proper investigation occurred which is a violation of my rights in these acts. I have been trying to get this off my credit reports for 6 months now and this false reporting has made it impossible for me to obtain loans or financing to care properly for my family and myself. I have sent three letters to XXXX XXXX, called on the phone and have disputed the account to the credit reporting agencies, with 3 letters and online disputes through each agency as well. It has been a frustrating experience to say the least.

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 2023-05-12 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX is falsely reporting a credit card in my name on my credit report with an open date of XX/XX/XXXX with a charged off amount of $ XXXX reporting XX/XX/XXXX. I disputed the account first with XXXX XXXX, my long time Bank back in XXXX of XXXX and also disputed the false reporting with XXXX, Equifax and XXXX in XX/XX/XXXX. After an initial denial of my dispute, my research led me to discover my rights being violated in accordance with the Fair Credit Reporting Act 15 U.S.C. Sec. 1681i ( a ) If there is no proof delete item. This false reporting has also violated my rights in accordance with 15 U.S.C. 1681 section 602 I have a right to privacy and section 604 A consumer Agency can not furnish an account without my written instructions. No proper investigation occurred which is a violation of my rights in these acts. I have been trying to get this off my credit reports for 6 months now and this false reporting has made it impossible for me to obtain loans or financing to care properly for my family and myself. I have sent three letters to XXXX XXXX, called on the phone and have disputed the account to the credit reporting agencies, with XXXX letters and online disputes through each agency as well. It has been a frustrating experience to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: NC

Complaint narrative:
To Whom It XXXX Concern, I am writing to dispute the recent dispute results regarding the XXXX XXXX XXXX  ( Installment ) account that is reported on my credit report. Simply stating the account information is accurate and updating the account in the areas where I pointed out discrepancies does not verify that the account is accurate. I have tried on numerous occasions to have this ford account deleted. In the attached letter you will clearly see that this account was charged off and sold to a debt collection agency which is in the letter. You will also see the negligence of payment balance reporting of this account as well. The last payment for this account is showing as XX/XX/XXXX according to your records. From XXXX XXXX XXXX the account payment history shows as ND No Data which clearly shows and proves erroneous reporting. The attached letter shows the outstanding balance from the debt collector as {$4500.00} but the balance being reported to the bureau {$4500.00}. This clearly shows negligence and false report which is illegal. Also, this account has been charged off since XX/XX/XXXX with a balance of {$3500.00}. Even after going to court and the balance changing to {$4200.00} on XX/XX/XXXX, this charged off accounts balance should not continuously keep increasing which again shows negligence in reporting. I want this XXXX XXXX XXXX account deleted from my credit history report immediately. False reporting is illegal and for the bureaus to stand behind these illegal activities makes them just as guilty. If this account is not deleted, I will seek legal action against Experian, XXXX, XXXX, and XXXX XXXX XXXX for negligence and false reporting. Please provide me with an updated copy of my credit report once the investigation is complete.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion XXXX and XXXX is reporting incorrect information on my credit profile. I have reached out on several occasions to have information removed but issue hasnt been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX Sc 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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I want to file a complaint against Capital One because they added back to my credit after three years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
my mortgage just increased by @ {$500.00}. When I contacted the mortgage company they said it was because my homeowners insurance went from {$3500.00} to {$7200.00}. So I contacted my insurance provider XXXX XXXX, XXXX confirmed that that was correct, but they also stated that the payment has not been made and that the policy has been canceled. So, If they have not paid my homeowners insurance where is that money that they are now charging me for going? And, now I have no homeowners insurance. My mortgage company is PHH Mortgage. Also dealing with them on the phone is a nightmare as I am transferred from one person to another and no one is able to answer my questions as to where that {$7200.00} is going. Did they find another insurance company and if so I have not received a declaration page or any other confirmation that I even have insurance.

Company response to consumer: Closed with explanation