vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently checked my credit report and noticed an inaccurate account reporting.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently checked my credit report and noticed an inaccurate account reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: NY

Complaint narrative:
Peace and Blessings, I am writing to you about my credit report. I am unaware of this debt. I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with my name and signature. Collections L J ROSS ASSOC Opened XXXX {$3500.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
on XX/XX/XXXX i sent a Real time payment ( RTP ) from my HSBC SAVINGS account XXXX to my XXXX bank checking account XXXX in the amount of {$860.00}. The payment never arrived. I have been stonewalled by HSBC on this for months, they keep telling me they are investigating and then saying the money was received. it is my account and i can easily prove the money never landed with statements but they will not look at them. This happened with my HSBC CHECKING account as well ( I will submit a seperate complaint ) within a few days of each other or the same day i can't even remember for XXXX. Same thing happened with that payemnt, it never arrived. HSBC stole my money and i can't get them to do anything. I am afraid to close my accounts cause then i'll have no relationship to get my money back but it's been more then 6 months and they have sent me a letter they will no longer investigate. So frustrating, they have stolen XXXX from me. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WHEELS FINANCIAL GROUP, LLC.
State: IN

Complaint narrative:
I have paid this account in full and they have reported it as settled in charge off status. I was this account deleted off my charge off. 

XXXX XXXX is the name of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result 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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This is a fraudulent account and not owned by me. I have reported this with Amsher and XXXX but the rep I spoke to was a complete nasty person who did nothing but didn't help at all. This account was not opened by me. I've been using XXXX for a long time now. And why would I have a XXXX balance on a phone bill as a single person? This account is not mine and needs to be removed from my credit right away. This back and forth with them has been going on for way to long and I can no longer deal with their incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Ive been given the run around after depositing a XXXX dollar check. Ive been told my account is under review there was some wrong with the check then told the check was fine then they said my account was on hold still under review Ive called everyday just to try to get my funds I even OFFERED for me to go in and just get a cashiers check for MY MONEY got told no. Then I was told I could do that went in and was told again NO then I was told that Monday XXXX that my review was done needed to wait for a letter then today got a call from XXXX XXXX bank in XXXX was told tomorrow XXXX that I can go in and withdraw XXXX and get a check for the XXXX then again got a call again today that they officially closed the account and they withdrew the funds so now its at XXXX. STILL NO IDEA WHY! And that they are mailing a check I said Ive explain numerous times I WAS UNCOMFORTABLE WITH THAT!! then I was told it would be over nighted ( NOT THE CASE ) they havent generated the check AFTER THEY SAID THEY DID. So its ok that they stole my money, originally I wasnt even going to be told. Thank god XXXX from XXXX, XXXX branch called me and fair warned me! Otherwise I WOULDNT HAVE KNOWN. STILL i asked can i go in and pick up the check then. Got told NO! the way i see it Ive been given the runaround FOR WEEKS! No money for almost a month!!! This is insane not right!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC has literally brought me to a point where I cant even sleep or function as a human being. What is happening with my info Im not understanding and who is using it Im not understanding either. 

I came back to the states to realize my info has been used and LVNV literally has been draining my life for over a month now. I have received packages from them to remove these fraudulent accounts off of my credit and still havent heard anything back. There is 4 accounts in my credit from LVNV that I never heard of. They told me an address in XXXX was using that and the statements were being sent there. I lived in XXXX and in XXXX XXXX and currently Im in XXXX for work. This has ruined my life. I need LVNV to do the right thing and investigate the accounts. The accounts do not belong to me. THE ACCOUNTS DO NOT BELONG TO ME AND I NEVER OPENED any THESE accounts. 


REMOVE THESE ACCOUNTS FROM MY CREDIT LIKE WHAT IS GOING ON. I attached a police report to this claim and complaint and I have attached the necessary forms to prove my statement. 

I was not in the country during the time when these accounts were supposedly opened and used. These accounts were never ever opened by me. 

There is 4 accounts : LVNV FUNDING LLC {$620.00} LVNV FUNDING LLC {$720.00} LVNV FUNDING LLC {$890.00} LVNV FUNDING LLC {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

ACCOUND NAME XXXX XXXX  XXXX. 
Account # XXXX. 
Date Opened. 
XX/XX/year>. 
Balance Owed. 
{$8700.00}. 
ACCOUND NAME XXXX Account # XXXX. 
Date Opened. 
XX/XX/year>. 
Balance Owed {$9900.00} Review and remove these accounts that have inaccurate 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I was approved for a XXXXXXXX XXXX the car was acting up so I brought it to the XXXX XXXX and the mechanic told me that the transmission is going out on the car so I told XXXX XXXX about it and they didnt do anything about it and credit acceptance didnt also so I brought the car back to XXXX XXXX and left it there for them to keep

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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: APG Financial Inc
State: UT

Complaint narrative:
I had a car lease through APG Financial. I went online to make my payment on XX/XX/2024 to make my payment. The eautopayment portal stated my account was closed. I called XXXX and pressed 2 to make a payment again it said my account was closed and I was being transferred to an agent. I never got to an agent. It went through the same automated system over and over. I called everyday for the rest of the week and same thing. Just went through the automated system over and over. On Tuesday, XX/XX/2024, I went to the location I purchased the car from to talk to a representative in person. The front desk person said the only representative went to XXXX for the day. He said he would text them to give me a call, and I should receive a call by next day. Never did. A manager from the the XXXX XXXX location called me, and tried to transfer me over to APG Financial. They refused my call. I was supposed to be on hold, but the line was picked up by accident, and I could hear the manager talking with them. Again, she said they said they will reach out by next day. Never did. The only call I ever received from APG was on XX/XX/2024. They called my at XXXXXXXX XXXX and told me to call back by close at XXXX XXXX. I couldn't. I was driving. Next day, my car was repossessed. We were unable to come up with a resolution to get the car back. APG is so frustrating to work with. I only have call longs to show how much I tried to call. I do not need the car back. I have two others. It's a derogatory mark on my credit report and I can't do anything about it. It's their word against mine. I would like them to work on their customer service and better serve those they give these car leases to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
From XX/XX/2024 to present I have sent various letter to XXXX, Equifax, and XXXX regarding numerous inquires on my credit profile that do not belong to me. I was a victim of identity theft and for that reason I have a fraud alert placed on my credit report with each bureau instructing any creditor wishing to access my credit profile to verify my identity through contacting me at the listed phone number and obtaining identification. XXXX, Equifax, and XXXX failed to comply with my wish to protect my credit information and even more so did not complete a thorough investigation of my disputes when presented to them sending out correspondence stating that the inquires would remain for 2 years. 

In accordance with the Fair Credit Reporting act. The list of inquries below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. .15 U.S.C 1681 section 602 A. 

XXXX, Equifax, and XXXX have not complied and I am requesting action or demanded compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
From XX/XX/2024 to present I have sent various letter to XXXX, XXXX, and Experian regarding numerous inquires on my credit profile that do not belong to me. I was a victim of identity theft and for that reason I have a fraud alert placed on my credit report with each bureau instructing any creditor wishing to access my credit profile to verify my identity through contacting me at the listed phone number and obtaining identification. XXXX, XXXX, and Experian failed to comply with my wish to protect my credit information and even more so did not complete a thorough investigation of my disputes when presented to them sending out correspondence stating that the inquires would remain for 2 years. 

In accordance with the Fair Credit Reporting act. The list of inquries below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. .15 U.S.C 1681 section 602 A. 

XXXX, XXXX, and Experian have not complied and I am requesting action or demanded compensation.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our loan servicer Mr Cooper an alias of Nationstar Mortgage LLC had a data breach late last year. Our personal information was exfiltrated. Last week my savings account at XXXX XXXX was blocked without explanation and as a result I can not transfer funds to pay my mortgage due XX/XX/XXXX, late by XX/XX/XXXX. I tried to reach Mr Cooper at the customer service number listed on their website and on my statement but it is ABSOLUTELY IMPOSSIBLE to contact a living human and none of the options refer to the issue involved.. You are sent through an XXXXlike endless loop of menus. The statement formerly had the phone and email of your 'Dedicated SPOC '' but that has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Someone stool hundreds of thousands of dollars from my USAA checking account ending in XXXX prior to and ongoing theft after the data breach. USAA claimed that my account was not affected by the databresch and that transactions were normal, but the most shocking fluctuations the reported {$57000.00} or so in XX/XX/2023 amongst other months occurred during the breach timeframe. I live in a household with XXXX XXXX children and most of the transactions are for food and normal goods our rent is {$650.00} a month and electricity is usually around {$250.00}. This is obviously a form or type of fraudulent activity. Dare I say grand larceny. I had the XXXX XXXX XXXX write them a letter USAA FSB claims they were not aware about my concerns in the complaint that they responded too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/2024 OneMain reported a charge off to me and my husbands XXXX credit bureau. 
The amount is {$970.00}. 
This loan has been in a XXXX XXXX bankruptcy since last year. 
According to XXXX and my trustee, the loan for OneMain was completely paid off on XX/XX/2024. 
The department I need to speak to is only open m-f XXXX. I work these hours and have very limited time to continuously trying to get a hold of someone at One Main. 
I want this charge off to be removed from our credit bureau, I filed a dispute with XXXX on XX/XX/2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada, XXXX XXXX XXXX XXXX XX/XX/XXXX Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Last 4 digits of SSN : XXXX Re : Dispute of Information on ChexSystems Report Dear Chex Systems, I am writing to formally dispute the accuracy of information contained in my ChexSystems report. I recently obtained a copy of my consumer disclosure report and identified discrepancies listed without my my permission that require immediate attention. 

I dispute the reported negative entry on my ChexSystems report, specifically 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 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 XXXXXX/XX/XXXX I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. I request that you conduct a thorough investigation into the disputed information within the 30-day time frame mandated by federal law. 

Upon completion of your investigation, I request that you provide a written response detailing the results and actions taken. If the disputed information is found to be inaccurate, I expect its immediate removal from my ChexSystems report. 

Please communicate the results of your investigation in writing to the address listed above. 

Thank you for your prompt attention to this matter. I trust that you will conduct a thorough and fair investigation to rectify the inaccuracies on my ChexSystems report. 

Sincerely, 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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.

Company response to consumer: Closed with non-monetary relief