vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: Easy Finance, LLC
State: TX

Complaint narrative:
When I asked the company what kind of inquiry would be done, they said it would be a soft pull. However, I noticed that a hard inquiry was made on my credit report, even though I did not apply for this particular loan and I did not give my consent for a hard inquiry to be done. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I was told I was getting a loan for XXXX with interest putting this loan at around XXXX after receiving everything the loan turned out to be close to XXXX and I didn't sign up for that. This is putting me back in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am resubmitting this complaint to CAPITAL ONE regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that this fraudulent account persist on my credit report. I had hoped to rely on CAPITAL ONE to safeguard my information and to report accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning on this account. To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons this account should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that CAPITAL ONE will take the necessary steps to address and rectify these inaccuracies promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: GA

Complaint narrative:
As of XX/XX/, Nelnet began billing me for an alleged student loan I, XXXX XXXX : XXXX allegedly owe. However me being the beneficiary it doesn't benefits me to repay an alleged loan. I am writing to address the matter of the student loan debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this student loan debt is not beneficial based on a careful consideration of various factors. 

Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged loan would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the work credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property. 

Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged loan, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. 

Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged student loan debt associated with my account in light of the trust relationship and equitable considerations. 

Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. 

Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. 

I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to all 3 major bureaus demanding that they remove any, and all late payments on my credit report. All 3 agencies received their separate letter on or before XX/XX/2023, 30 days from today. I checked my most recent credit report, and the payments still have not been removed. Per 15 US 1618b - Permissible Purpose of Consumer Report. The law states that ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
1099a was sent to company to show the debt to be satisp

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize. I also saw several of those accounts showing that i have had late payments. These unrecognized accounts are severely taking a toll 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 non-monetary relief
Consumer complaint received 2024-01-19 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Claim Number : XXXX Dear Wells Fargo Customer Service, I hope this letter finds you well. I am writing to express my deep concern and disagreement with the recent denial of my dispute regarding unauthorized transactions on my Wells Fargo account. 
I reported to your customer service that my wallet, containing not only my identity but also crucial account information, had been lost. Subsequently, the person or people who gained possession of my wallet managed to drain all the funds from my accounts by transferring them to another country. To my shock, they even visited one of your Wells Fargo branches to withdraw cash, an action that was promptly refunded by the bank. 
As a XXXXXXXX, my financial situation is consistently tight, prompting me to diligently monitor my accounts. Upon discovering these unrecognized and unauthorized transactions, I immediately reported them to Wells Fargo in an effort to stop any pending transactions and secure my account. 
I am disheartened by the denial of my dispute, as I believe the bank has a responsibility to protect its customers from such fraudulent activities. The unauthorized use of my funds has significantly impacted my financial stability, and I had hoped that Wells Fargo would take the necessary steps to rectify the situation. 
There may be a history of transactions with the mentioned merchant, the specific charge in question must be concerns about unauthorized access and potential compromise of my debit card information. It's important to stress that even with a history of transactions, this particular instance is being contested based on the circumstances surrounding the unauthorized activity and my genuine belief that it poses a security risk to my account. I would reiterate my willingness to cooperate fully in the investigation and provide any necessary information to support my dispute. 
I kindly request a thorough reconsideration of my dispute, taking into account the circumstances surrounding the loss of my wallet, the unauthorized transactions, and the subsequent financial strain I am facing as a result. 
Your prompt attention to this matter is crucial, and I trust that Wells Fargo will uphold its commitment to ensuring the financial security of its customers. 
Thank you for your understanding and cooperation.

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 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NFCU has been reporting and billing me for loans and credit card repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
Hello I wan na make a complaint for the Financial institution chime. on XX/XX/XXXX i filed a dispute Regarding Multiple unauthorized transactions. to unknown recipients the total amount was XXXX dollar 's that was taken and was sent On the pay any one features to these Recipients. It ooccurred in XX/XX/XXXX More unauthorize transactions continued on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX To XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX For about 2 month 's I was unaware of this. I didn't have my bank notification enabled. the company chime did Investigate the case But unfortunately they closed it and Email me that there was no error that occurred Therefore no funds will be Credited to your account Unbelievable. what happened is that a Person that I knew Had stolen my second phone. her name was XXXX she knew the passcode to login to my account Since i Trusted her i would let her buy little stuff Like Games on XXXX, accessories on XXXX app. But that's it. After I Got off work I tried to find my second phone Anywhere in my house I thought I put it. i then check my first phone To check my account on chime couldn't believe When I saw my checking account it was XXXX all my hard earned money was Send to these recipients. About XXXX dollars! Was taken. Please you have to help me i'm so sad chime keeps declining this case. Please try to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I took a loan from OneMain Financial three years ago. The payments were not going down. I was paying on time they kept saying my bank was returning the payments I had to switch banks its just been a nightmare for the last three years eventually I just let them take my car that I put down as collateral because I couldnt take it anymore. They harassed me so much I had to have them blocked from communication except via mail. They kept editing my online account so anytime I try to make a payment through the account. It would tell me I would have to call. I did reach out to the New York State Department of financial services and consumer complaints about this a year ago and I just read an article that they are being sued and I completely understand why

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As of XX/XX/, XXXX began billing me for an alleged student loan I, XXXX XXXX : Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay an alleged loan. I am writing to address the matter of the student loan debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this student loan debt is not beneficial based on a careful consideration of various factors. 

Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged loan would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the work credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property. 

Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged loan, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. 

Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged student loan debt associated with my account in light of the trust relationship and equitable considerations. 

Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. 

Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. 

I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. 

Thank you for your understanding and cooperation.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As of XXXXXX/XX/year>, XXXX began billing me for an alleged XXXX loan I, XXXX XXXX : Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay an alleged loan. I am writing to address the matter of the student loan debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this student loan debt is not beneficial based on a careful consideration of various factors. 

Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged loan would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the work credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property. 

Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged loan, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. 

Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged student loan debt associated with my account in light of the trust relationship and equitable considerations. 

Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. 

Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. 

I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation