vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

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

Account bankruptcy, XXXX XXXX discharge.. XXXX Account XXXX .. XXXX Account XXXX  XXXX Account XXXX XXXX XXXX .. Account XXXX  # XXXX. Account 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) (
1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I am writing to report Upgrade Financial Loans ( https : //www.upgrade.com/ ). They have allowed my information and account to be compromised twice over a 60 day period. They took the entire {$11000.00} loan amount from my bank account, then I called and asked them to deactivate my auto payments which they did and apologized. Then approx. two weeks I get a call to approve a credit card offer request which i denied emphatically. I asked to speak to fraud department, and in the middle of speaking with someone in fraud, I was polite but frustrated, they hung up on me during the conversation and never called back. The very next day they took another auto payment of {$10000.00} out of my account again. This caused my bank account to spiral and subsequently all scheduled payments were not made with other creditors and has caused my bank account to suffer fees for bounced payments. Both cases they assured me that the auto payments was deleted. Fast forward to today I found a auto payments of the {$270.00} deducted once again. This prompted me to go into my account and I saw that Upgrade has allowed a loan that I di not request to be in final review.

Please assist me this has been going on for too long and it is creating financial destruction on my end. I have always paid all of my loans and cc cards on time with excellent history. They had no right to reactivate the auto payment method and deduct from my account once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
To Whom It May Concern, Here is what happened on my account ending in XXXX. 

XX/XX/23 Received a call from XXXX XXXX  that there were charges against our checking account ( XXXX ). They said they wanted to let the charges go through and then deposit the money back. The caller said this way would be easier for the fraud case to be resolved. I thought that the conversation wasn't legit and told the caller this was a scam. I hung up the phone and called XXXX directly. I logged online and saw that there were withdrawals ( XXXX {$2200.00} ) being made from XXXX. ' Told XXXX of the situation. We immediately locked all cards and had new cards sent to us. They opened case # XXXX and said they would investigate. Reported fraud again on XX/XX/XXXX and was told that XXXX would investigate it. 

I called Fraud on XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each and every time I was told the money would be put back into the account that night. The funds were not put back into account. 

Didn't hear anything back from XXXX and didn't see any deposits for the fraud. Called XXXX XXXX on Friday XX/XX/XXXX and was told that the case has been closed since we authorized the confirmation that XXXX texted us. I looked through my texts and found the text that XXXX had sent. In the text I replied to it as 'NO '. But was told they see that I confirmed the transfer. I sent a copy of the text on that Friday XX/XX/XXXX, and also have an attachment with this text on this email. We didn't initiate the withdrawals nor did we confirm the text sent to us. This was submitted to XXXX. On XX/XX/23 we made another call to XXXX and again were told the case was closed due to the approval of the charges that they show. I spoke to a manager in fraud and had it re-opened yet again and submitted the info AGAIN. We don't know how this fraud took place, we had the card in our possession, have not made any reservations thru XXXX and notified XXXX Immediately of the fraud.

Company response to consumer: Closed with 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: Windham Equity Company
State: GA

Complaint narrative:
Lease & Rental MGMT Corp aka Auto Use has been reporting a repossession on my credit where the dates of recent payments are wrong, the balance owed is wrong and the date of last payment is not correct. This is wrong information is making this account look newer than it should be. The date of repossession was XX/XX/2016 and the last payment was before that. The car was repossessed and sold and the sale amount was not applied to the balance owed and reported. 

The company also did not send me any documentation that showed what the car was sold for and how that was subtracted from the balanced owed. I have repeatedly in the past tried to request this information and they have not responded.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX. Date of Inquiry : XX/XX/2023. Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX. Date of XXXX : XX/XX/2023. Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I opened a new savings account via apple with Goldman Sachs. I had over 3 years the apple card credit card from Goldman Sachs without any issues. 
I made deposits with my money and it was successfully added to my account balance. 
So I also scheduled my credit card payments to this account. There is enough money in my account to cover the payments. Unfortunately it got declined and my account became restricted. 
I contacted the customer support several times and spend hours in the support line of Goldman Sachs. Unfortunately none of Agents was able to solve my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I was involved in a love scam which I reported to the federal trade commission and the internet crime complaint center .gov website. I contacted the local police department who failed to do anything because this is an international crime. I disputed with the banks several times but they failed to do anything because I authorized the transaction because I was tricked into helping someone I thought who would help me in return if I helped them and was harrassed and blackmailed by threats to broadcast XXXX videos on XXXX as well as being tricked an manipulated. I lost over XXXX  dollars in funds since XXXX. No one has looked into or helped me with this case since when indeed this is stealing. The suspects name is unkown but his fake name is XXXX XXXX he made up or stolen from someone. The spoofed and untraceable email is XXXX. His XXXX  XXXX  user name on XXXX  XXXX  is $ XXXX XXXX XXXX account. His XXXX XXXX account spoofed or untraceable number is XXXX XXXX XXXX  The real suspect is unkown and possibly from XXXX XXXX XXXX XXXX which I communicated back this information through a scam haters united support page for suspected victims and preventing scams and blackmalers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XX/XX/XXXX, I pulled a copy of my credit report and noticed Resurgent/LVNV Funding reporting derogatory information about me. I have never done business with this company before and have no idea who they were, so after a couple months of research on the internet I learnt that this company is a third party debt collector and I realize It might have been placed on my report in error by the credit reporting agency, so I sent a dispute to the credit reporting agencies in XX/XX/XXXX and they responded letting me know that Resurgent/LVNV Funding said that the account belongs to me and it was reporting accurately.

At this point I was really confuse, frustrated and angry. I spoke to an acquaintance of mine who told me that there is a law call the fair debt collections practices act and that every third party debt collector like Resurgent/LVNV Funding needs to verify the debt once I request verification. 

So on XX/XX/XXXX I sent a letter directly to Resurgent/LVNV Funding requesting verification of the debt. 

They responded on XXXX XXXX with a templated response stating that they are collecting on behalf of XXXX  XXXX. I do not even every remember having an account with XXXX  XXXX. As of the time of me filing this complaint. Resurgent/LVNV Funding is still on the 3 major credit reporting agencies. At this point all Resurgent/LVNV Funding did was further add to my confusion, frustration and anger. They are causing me a lot of stress and XXXX.

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 — Investigation took more than 30 days
Company: Self Financial Inc.
State: FL

Complaint narrative:
In reviewing my credit report on XX/XX/23, it was noted that an account I have disputed as " not mine '' is still reporting after disputing this information with XXXX. XXXX has not provided proof of ownership of this account and continue to report this inaccurate information damaging my credit worthiness. I am requesting the proper verification and accuracy of this account. The account is reported as SelfXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Sale date of home scheduled for XX/XX/2023. 
Home went into contract to purchaser on XX/XX/2023 Title company contacted lawyers office handling foreclosure who added " fee '' in excess of over {$60000.00} for " interest '' of various amounts for 5 years. 

Debt collection payoff document does not include principal balance, mortgage rate, daily interest, etc. 

Mortgage servicer, Selene Finance, never responded to request for payoff letter. 
Selene Finance is in multiple lawsuits currently with hundreds of people across the country for shady, misleading business practices; lost class action lawsuit several years ago for same reason. 

Debt collection 'lawyers ' office is being not only unethical but over charging fees in excess of what was submitted on foreclosure paperwork to the courts. 

I have never signed anything with Selene Finance, my mortgage was sold to them while under bankruptcy with terms ever sent to me. No communication for resolution of debt, advised unable to move with loss mitigation due to sale date pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My mortgage loan will be satisfied completely XX/XX/XXXX. My payment for taxes and insurance are both due annually in XXXX. they were paid in XXXX and will be due again XXXX. 
I requested to stop escrow deductions and return balance in escrow. I was told by someone on the phone I can submit the request in writing and this will be done. I did so XXXX XXXX at the Branch on XXXX XXXX in zip code XXXX. The person stated that I have to wait until after loan is paid off and I will be refunded I think she said 7-10 days afterwards. 

I have made two more requests directly via my account. Last month I paid only principal but the bank took the escrow out of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: 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: NC

Complaint narrative:
I am filing a complaint against XXXX and Experian Credit Reporting Company. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with XXXX, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, XXXX has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. 

I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. 

Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. 

Please let me know if you have any questions. 

Highest Regards, 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint against Equifax and XXXX XXXX XXXX XXXX. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with Equifax, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, Equifax has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. 

I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. 

Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. 

Please let me know if you have any questions. 

Highest Regards, XXXX XXXX XXXX XXXX XXXX

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  is reporting my account as late, paid off.. I made all my payments on time and need for the to update my account to paid off, paid on time, and need it to be updated on all three credit bureaus.. this has affected my credit tremendously

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX financial is reporting my account as late, paid off.. I made all my payments on time and need for the to update my account to paid off, paid on time, and need it to be updated on all three credit bureaus.. this has affected my credit tremendously

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
In our complaint we maintain that Wells Fargo took a line of credit that was in my name only, paperless without our knowledge. This line of credit was apparently tied to our joint checking account as overdraft protection after we thought it was closed out. The result of Wells Fargos action made this line of credit invisible to us. My wife could not see the line of credit on-line since it was in my name and I did not use Wells Fargo on-line . If we were receiving monthly statements for this line of credit over the last 10-12 years, there is no way we would have run it up to {$30000.00} and incurred all those interest charges. We believe that Wells Fargo should remove all the interest charges from this account Wells Fargo is pleading ignorance based upon WFs seven-year retention policy ( implying they have no record of how this account went paperless ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation