vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have sent two different letters to the company requesting debt validation and they did not respond, however they call my phone multiple times a day. I requested that they send correspondence through USPS and they have not. At this point, it is harassment and causing anxiety. I have been recovering from illness and I just want the calls to stop. 
The account numbers are XXXX, XXXX, XXXX, AND XXXX. It has been well past the 10 days to validate the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
received a call from the phone number of my bank, United Community Bank, Treasury XXXX XXXX ; XXXX. Person identified himself as calling from UCB concerning possible fradulant charges on my debit card. asked me about purchases at a XXXX and XXXX  Read a security statement and advised that the call was being monitored for security purposes. First wanted to know what my online banking ID number was. 
I have been scamed out of {$4000.00}. on my XXXX card ( they removed all charges of this and changed my credit card number ) and an attempt to fraud from XXXX XXXX and from XXXX. Both of these were avoided. So I am very aware of scams. 

I gave him an incorrect ID number and he advised that was not correct and I gave him another one that was not correct. while I was doing this I went online and changed my ID and password as I was speaking to him. I advised him that he was trying to scam me and he was a theft. The first call was on XX/XX/2022 at XXXX XXXX XXXX, and on XX/XX/2022 at XXXX XXXX XXXX 

When I called back the number of XXXX, it did direct me to the actual office of UBC Treasury XXXX XXXX XXXX. 

I did call into the online banking service office and the UBC Treasury XXXX XXXX office and advised both of these what had happened. They checked my account and confirmed that my account had not been breached. 

Apparently there is nothing that can be done with people spoofing their phone number and they did advise me that they would not call on the phone about charges. They would first contact me about contacting them about suspecious charges either by text or email. United Community Bank was very helpful. 

What can be done about spoofing your banks phone number?

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 2022-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CRED Technologies dba cred.ai
State: TX

Complaint narrative:
I received notice my Cred.Ai account was being closed due to " Too many returns '' This was 2 days before payday I can not access the account anymore I have documents saying my payroll dept sent a deposit before the notice of closure on the account. 

The company is hard to reach, most of the time I don't get an answer. 

I was directed towards my Payroll dept who already said the funds were sent and can not be reversed. 

I just want my paycheck and Cred.Ai isn't contacting me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I HAVE STUDENT LOANS ON MY CREDIT REPORT THAT HAVE BEEN IN A XXXX PAYMENT STATUS FOR OVER 10 YEARS. I HAVE NEVER BEEN LATE BECAUSE I HAVE NEVER HAD A PAYMENT DUE. THE ACCOUNT WAS SOLD TO AIDVANTAGE AND THEY REPORTED 24 LATES TO MY CREDIT OVER 8 STUDENT LOANS. THEY ARE ALSO NOT REPORTING MY 7 YEARS OF GOOD PAYMENT HISTORY TO THE CREDIT BUREAUS THEY ARE REPORTING LESS THAN HALF OF MY ON TIME PAYMENTS FOR THE 7 REQUIRED YEARS OF REPORTING. THESE 2 THINGS ARE HURTING MY CREDIT SCORE AND CAUSING ME TO PAY HIGHER INTEREST RATES ON CREDIT CARDS AND LOANS AND ALSO DISQUALIFYING ME FOR LOANS THAT I SHOULD BE QUALIFIED FOR. I SPOKE TO AN AGENT AND SHE AGREED THAT THEY ARE REPORTING INCOMPLETE INFORMATION BECAUSE THEY DID NOT RECIEVE IT FROM THE DEPARTMENT OF EDUCATION. SHE ALSO AGREED THAT SHE DID NOT SEE ANY LATE PAYMENT HISTORY NOR DID SHE SEE ANY PAYMENTS THAT I HAVE MADE ( BECAUSE I HAVE NEVER MADE ANY ). AID ADVANTAGE REPORTED TO MY CREDIT REPORT THAT I WAS LATE 2 TIMES THEN MADE A PAYMENT THEN WAS LATE AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
To update the damages to my credit, no matter not asking for credit, the free credit report from Trans Union provided by XXXX Bank is already showing XXXX point less, a missed payment and a false recent delinquency, which is no other than the loan from XXXX de XXXX XXXX XXXX. also known as XXXX. 
I want to thank XXXX Bank Chat Representative XXXX, and her supervisor named XXXX as the included chat transcript shows, both were great and tried to do all they could, but because of the unfair consequences to my credit report, is better to send this through the C.F.P.B. than directly by fax to XXXX, now that there is a Lawsuit filed on my part. 
This is not to complain against XXXX, but to show to Trans Union, that if ask XXXX for a simple credit card limit increase, this fraud authorized by XXXX XXXX XXXX XXXX XXXX will make any XXXX Bank automatic revision process for this purpose null, because it shows a delinquency and a missed payment, no matter, is false. 
No matter I request a credit line increase, or if it is XXXX with an automatic periodic revision, it will be denied because this false delinquency is counted, as fatal cutoff criteria by any Bank or Credit Union, not allowing me to pay attention to current needs requiring credit, like now with this emergency repair for my XXXX XXXX XXXX owned since new, even Toyotas require repairs no matter this is the original factory installed alternator that is going to be replaced after close to 18 years of use since new and more than XXXX miles. The most reliable car, maybe it is, is the one I have in the middle of all this, and is used for my job as self employed at XXXX XXXX, an 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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion, According to my XX/XX/28 credit report there are inaccurate items I would like corrected- attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - 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 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
When I took my vehicle for its first service in XXXX I discovered that I was overpaying for maintenance and warranty so I cancelled it to Lower my car payment because with those extra contracts it made my payment so high. Company received over {$5000.00} and instead of applying towards my payments they just reduced my terms, which doesnt benefit me at all. Im still having to make high payments and now not even have the warranty and maintenance. I feel its unethical what they did. If they received a refund check, they have to apply to towards my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have not had anything to do with Elon Financial for over 20 years. They have changed the dates on this old debt over and over and just keep reporting it as negative to the credit bureau 's as if it's a current dept. I have disputed this debt many times but Elon changes the date of the date of the debt and reports it again. The credit bureau 's just believe them and leave the negative info on my reports. This debt has been settled, written off many, many years ago. It's like they are doing this out of some sort of revenge. I can't believe this is legal.

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 2022-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Since XX/XX/2020 this fraudulent charge has been on my credit report. It is from XXXX, now with Convergent Outsourcing. I have never had XXXX as a carrier. Someone opened this account fraudulently. There has never been a payment made. I have made several attempts, 6 attempts total, to dispute this. 5 attempts, via credit reporting dispute resolution and 1 by letter. I have had to lock my credit. 

They keep ignoring my attempts to clear this from my credit. I do not feel comfortable calling them. I have sent them a detailed letter with my info asking them to get this off my credit. No response to any of my attempts. 

Total amount due is {$500.00}

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 2022-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Allied Servicing Corporation
State: CA

Complaint narrative:
Loan servicing company did not contact me, send mail or correspondence about second mortgage for about 10 years or more. 
Now they want to foreclose on my house. 
By law, the loan servicing MUST have contact with me via phone calls, letters or other medium.. 
This is a loan for {$50.00} XXXX dollars.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Im just now in XXXX aware, of an old debt from XXXX that was a Company loan from XXXX XXXX. 18 Years XXXX XXXX already collected as much as possible & added me to collection years ago for this loan. XXXX XXXX had the audacity to sell this account to a creditor that I had no clue existed, by the name of Cavalry SPV I , LLC. This collection company then lined my home in XXXX! I never knew about this. I was never served! This company lies saying they mailed me information for years also not true! I have never signed any certified letters from any of these companies. They have the nerve to say they served my son. He was in the XXXX in XXXX at that time! So that is also not true! How could he? Also I NEVER discussed with creditor company a settlement! LIE after LIE. This account is 18 years ago! This account was closed over 15/18 years ago. Its a dead account! XXXX XXXX says I don't owe anything anymore so why would they sell an old account. 
This is unethically! 
! CA STATE LAWS protect me the consumer through TIME-BARRED! 
Statute of Limitation on Debt! I never accepted owing the collection company 's NOTHING! & NEVER accepted settlements! 
I never made payments! I feel this is fraudulent Breaking CA LAWs! 
Creditors Can't prevail in court after 4 years, little the less after 18years! 
I WANT & GIVE PERMISSION FOR CFPB to PUBLISH ALL this experience & feedback!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: CL Holdings LLC
State: ME

Complaint narrative:
I have reached out to Jefferson capital and have still not been provided with validation that this debt it mine and it is being listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below ha violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : US DEPT OF ED/XXXX  # XXXX Account Name : USDOE/XXXX  # XXXX Account Name : XXXX XXXX  # XXXX ALL HAVE VIOLATED MY RIGHTS 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting 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 USC 1681s-2 ( A ) ( 1 ) ( A ) 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 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 2022-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 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 instructions.

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 2022-09-29 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: FL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 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 instructions.

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 2022-09-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 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: Self Financial Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Resources : 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | LII / Legal Information Institute ( XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | LII / Legal Information Institute XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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