vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive contacting the credit bureaus Experian, XXXX  and XXXX XXXX for a long time now about the account named XXXX. I have contacted XXXX personally asked for validation of the account they are reporting to the credit bureaus. On or around XX/XX/2021 this account was removed from my XXXX XXXX account for lack of verification but for some reason Experian and XXXX  repot keep lying stated that they have open an investigation but they don't give me any information far proof of what company XXXX has given them that's validated proof clearly this direct violation of 15 USC 1692 and should be handle immediately. 

Also XXXX  has responded to my complaint via post card this also a direct violation of my right to privacy stated in 15 USC 1692. 

there are also hard injuries that I have called XXXX  about in which they lie and act like they don't have information to verify me on file. 

they won't remove address, names and hard inquiries that do not belong to be I will list them below. 

Experian had no problem most address but they too will not remove an address that does not belong to me attached is proof of the incorrect information and proof of my identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
The mortgage agent XXXX XXXX was helping me to get my home loan to refinance since XX/XX/XXXX. I listed her personal information as list below : Professional Information Broker Address : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, CA XXXX Cell phone : ( XXXX ) XXXX Websites : Website Screenname : XXXX Member since : XX/XX/XXXX Real Estate Licenses : XXXX ( CA ) Other Licenses : XXXX ( Real estate and mortgage broker ) Languages : English, XXXX In the beginning, XXXX XXXX said she can get no point no fee for my home loan for XXXX with 2.75 % 30 years fixed. My loan process was almost closed and she said I can sign my paperwork on XX/XX/XXXX or XXXX, XXXX. However, on XX/XX/XXXX, she called me and asked me to pay her {$500.00} dollars cash for over 30 days loan process. If I don't pay for her she will have to terminate my loan process with Quiken Loans, LLC ( XXXX XXXX XXXX XXXX, XXXX, MI XXXX and my loan number XXXX ). If I don't pay her {$500.00} now, I have to wait for another 30 days later and restart my loan application again. I am not happy with that since she already took me over a month. I also gave her all my personal information and turn out to have to wait for another two months. She knew my current interest rate is 3.875 % which I will have to pay {$330.00} dollars more for each month. If I give her {$500.00} dollars, she can help me to close the case immediately. I search online that never and ever pay for the mortgage broker money because the lender will give her money when the loan closed. In order to avoid paying her, I have to restart the loan application with another new broker. My phone number is XXXX and my email is XXXX. If you have more questions welcome to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attempted to order my credit reports and filing a dispute multiple times with Equifax using without any result. I have tried to update my information. I have spoken on the phone with reps and supervisors, still more than a year later, I am still having the same issue. It all started back in the beginning of 2020 till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN:XXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please see attached documents. Please remove the following inquiries from my credit report immediately : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
WILLIAMS AND FUDGE INC.

Collections negative mark with zero attempts to collect before reporting : Today, XX/XX/2021 I received notification from XXXX XXXX that a derogatory mark has been added to my file. When I opened the remark it was a collection for {$290.00}. The collection stated it was two months old. Yet, I had no notification of the debt not by phone or letter. Absolutely unacceptable. 

My credit has been between XXXX and XXXX until today when it dropped -29 points due to this collection Absolutely deceptive and unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a single father in the military. While deployed from XXXX to XXXX, I left my children in the care of my sister with the vehicle I purchased using Wells Fargo Dealer Finance. I continued making payments on the vehicle throughout the deployment. I returned in late XX/XX/XXXX. I was activated again in XXXX. Again, I left my sister in charge of taking care of the payment. Upon my return, I discovered the payments were 60 days past due. Wells Fargo Dealer Finance was threatening me with the repossession of the vehicle. I had pleased and beg them to reconsidered charging off the account. I told them I could restart the payment and took care of the charges that were late. I explained that I was on XXXX XXXX orders and the person I left in charge to make sure the bills were paid did not perform as agreed upon. I was told, the account has been charged off and I would need to pay the charge off amount or the vehicle would be repossessed. I paid almost {$14000.00} they requested and charged off the account. The charged-off account is still on my credit report for which I am paying dearly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: AR

Complaint narrative:
Someone opened this account without my knowledge using my personal. This account is FRAUD & I want this deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a single father in the military. While XXXX from XXXX to XXXX, I left my children in the care of my sister. I continued making payments on the card trying to keep my balance XXXX  throughout the XXXX. I returned in late XX/XX/XXXX. I was activated again in XXXX. Again, I left my sister in charge of taking care of the payment. Upon my return, I discovered the payments were 60 days past due. I had pleaded and beg the company to reconsidered the negative lateness of the account to the credit reporting agency. I told them I could restart the payment and took care of the charges that were late. I explained that I was on XXXX XXXX orders and the person I left in charge to make sure the bills were paid did not perform as agreed upon. I was told it did not matter if I were on XXXX XXXX orders or not. I paid the late fees and brought the account up to date. The account has not been late since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive contacting the credit bureaus XXXX, Equifax and XXXX XXXX for a long time now about the account named XXXX. I have contacted XXXX personally asked for validation of the account they are reporting to the credit bureaus. On or around XX/XX/2021 this account was removed from my XXXX XXXX account for lack of verification but for some reason XXXX  and Equifax repot keep lying stated that they have open an investigation but they don't give me any information far proof of what company XXXX has given them that's validated proof clearly this direct violation of 15 USC 1692 and should be handle immediately. 

Also Equifax has responded to my complaint via post card this also a direct violation of my right to privacy stated in 15 USC 1692.

there are also hard injuries that I have called Equifax about in which they lie and act like they don't have information to verify me on file. 

they won't remove address, names and hard inquiries that do not belong to be I will list them below. 

XXXX  had no problem most address but they too will not remove an address that does not belong to me attached is proof of the incorrect information and proof of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was a victim of XXXX  crime. I am not responsible for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my account was charged by a infamous fraud company called XXXX. These charges were unauthorized and unknown. I had only used my card one time that day at a gas station and had to transfer money from my saving to my checking just to do that since my checking account has been @ {$0.00}. Later in the day around XXXX XXXX when I went to the store to purchase an item, I see the unknown unauthorized charges which overdrafter my {$0.00} balance and made it go negative. There were three charges at first, two for {$44.00} and then one for {$940.00}. I reported my card stolen and my bank was closed so I had to wait till the next morning to visit my bank. The next morning I did and when I got my new card and checked to see if my bank had finished the dispute process, I saw another transaction for " XXXX XXXX XXXX '' for {$54.00}. The money was later taken from my saving and my bank has yet to finish the dispute process. There are so many complaints on this MoneyLion company, they need to be shut down or investigated. I have not tried to resolve this with them since reading the reviews, I have seen so many horror stories about this same issue which can only be resolved via email with personal info which I do not want to provide to this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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:
Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
I have already paid back over XXXX k on a XXXX loan and they keep harassing me they call my job and now they sent a man to my home at XXXX XXXX  at night, I tried to explain this and they won't leave me alone, now they are suing me in small claims court for a loan I paid more than 3 times what I borrowed? 

Please get them to stop harassing me and cancel this bogus, suit, to stop the harassment and close this account I have already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have debts from XXXX to XXXX with Comenity Bank, XXXXXXXX XXXX, and XXXX XXXX, that I know nothing of. I would like to get these off my credit file, because they are ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my Chime saving and checking account was hacked. Two payments in the amounts of XXXX and XXXX were withdrawn out of my account. I contacted Chime immediately and they advised me on how to process a claim over the phone, the funds where back in my account with few hours. Chime closed my checking, savings account and my visa card a week later. There was no calls warning or update that i wouldn't have access to my checking or saving account which totaling XXXX! I recently changed my direct deposit from my employer to Chime from XXXX bank. I was XXXX XXXX  to find out the day after my direct deposit was finalized that Chime closed both of my accounts and deactivated my bank card. I have NO access to my money in myChime. I can not speak physically to a person they tell me to email and wait 24 hours for a response. THAT IS ABSOLUATELY UNBELIEVEABLE! Chime is an online banking establishment there is no physical location to go into a branch and you cant even speak to a person on the phone after your account is deactivated! Your money, your paycheck, your livelihood! The only option is to email customer service. I emailed customer service. In the email they state the process of closing an account. That for privacy terms they can not explain over the phone what is happening with my account and that the funds in my account would on hold for 15 days! After that my money would be mailed to me by check and could take up to 45 days! I have the emailed all saved. I had to email several times after waiting to get an update on the tracking number or status of my account. This is unacceptable behavior to be treated this way with no answers as to what is going on with my money! I get the check in the mail finally, and at this point I to open a new account at XXXX XXXX. I deposit the check mailed to me from chime, XXXX XXXX placed and additional hold on the check deposited from chime. XXXX XXXX  XXXX fraud dept returned the check and stated it was Fraudulent! Meanwhile I received another check from Chime that was overnighted for the exact same amount. I spoke to a teller at XXXX XXXX  who stated the check looked unusual she remembered when I deposited the check. She asked if the Chime was spelled correctly I advised the check i have is spelled XXXX REFUND. Now XXXX XXXX  has closed the new account I opened and it is showing XXXX and they Fraud dept stated I deposited a fraudulent check when I am the Victim! My Credit score which was on the raise is now plummeting! My saving and checking funds totaling XXXX are still being HELD BY CHIME! I am trying to find a place to live for my daughter and I and this is so stressful I have NO MONEY TO MY NAME TO FEED MY DAUGTHER OR MY SELF! PLEASE HELP ME GET MY LIFE BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: KY

Complaint narrative:
Contact Callers keeps harassing me via phone over a debt placed by XXXX  XXXX. The account begins # XXXX and is for a electric bill in the amount of {$440.00} that they state is now {$600.00}. Ive asked both XXXX and the debt collector for a debt validation letter to be mailed to me for months and have yet to receive anything. I have and continue to receive harassing phone calls daily. I have Never lived at the address in file with XXXX  XXXX and can show proof with my current lease that I was in the same location from XX/XX/2017 to Present.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Chime Financial Inc
State: KY

Complaint narrative:
{$500.00} was transferred out of my account without my permission.

Company response to consumer: Closed with explanation