vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-05 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: OneMain Finance Corporation
State: KY

Complaint narrative:
XX/XX/2022 DID NOT GIVE PERMISSION TO ACCESS MY CONSUMER REPORT NOR DID I GIVE THEM CONSENT TO ADD INACCURATE INFORMATION TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
After submitting all pertinent documentation i returned a call, asked for XXXX, but spoke to a woman that said she could help me. She told me I was missing schedule C for 2019. I explained to the woman that I was a XXXX  employee in 2019, and that a schedule C for that year would not exist. She said ok and that my application was under review. 

I continued to receive emails saying I was missing documentation. Two times i emailed customer service again explaining the documentation was submitted and each time received a response saying my application was under review.

Next day I received yet another call requesting Schedule C for 2019. I've repeatedly stated that 2019 I was a XXXX  employee, and that I would not have a schedule C for that year. 

XXXX was persistent that I should have a schedule C for 2019, even after I repeated multiple times that document would not apply for 2019 because I worked as a XXXX employee. 

There seems to be some serious confusion on your companies part on what documents pertain to who. XXXX stated a XXXX is for an independent XXXX. That is absolutely incorrect! I worked as a Human Resource and payroll XXXX for nearly 20 years, so I know a little something about payroll and tax forms. 

XXXX is for an employee that works for an employer who deducts their taxes through payroll. 

XXXX is for an independent XXXX *Schedule C is only required for 1099 independent contractors OR/AND sole proprietors of a company It is beyond unprofessional and ridiculous that a company processing loans is not knowledgeable on these basics that are so crucial to the work you do. I can't imagine how many people have been denied a loan through your company for not being able to produce documents that shouldn't exist to begin with. Like you intentionally ask for forms that shouldn't exist to be able to deny a loan. 

I've never experienced this with a loan and find it ridiculous. I have reported this to XXXX  and other mediums as unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
My Mortgage is with a servicing company called XXXX Mortgage. My regular monthly payment is {$1300.00}. However, I have been making extra principal payments to try and pay my mortgage off early. My payment now due is {$450.00}. The website or automatic phone option will not allow me to make my final payment. They are requiring me to pay {$30.00} for a " payoff '' quote. My loan is now past due and I have no option to pay it. This in my opinion is abuse. I have not asked for a payoff, I simply wanted to make my payments until the note was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: IL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX Bank 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.

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 2022-04-05 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: IL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX Bank 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TX

Complaint narrative:
Experian refuses to comply with my demands. They continue to violate my consumer right. I have made complaint after complaint just for them not to comply. I have being continuously violated by Experian. i am demanding them to stop infringement and discriminations as well as identify theft and follow laws as they state. i will start to seek further litigation for the violation of consumer rights. repeatedly breaking the law. my demand need to be met immediately. They are keeping bad information on my report demeaning me unworthy or credit or a home. They are using their status to discriminate towards me and keep me on the lower levels or credit worthiness LAWS TO SEE : according to 15 U.S. Code 1666B it's a billing error. Also, if a finance charge were included it shouldn't be no late payments 15 U.S. Code 1605 ( a ) finance charge because that's the sum of all charges so you can't penalize me for something paid in full. 15 U.S. Code 1681e ( b ) which is maximum possible accuracy. DEMANDING inquires and collections as well as late payment need to be removed... 

Collections remove!!! ( XXXX XXXX XXXX Opened XXXX {$2700.00} ) CLOSED ACCOUNTS REMOVE NOW!!! 

XXXX XXXX XXXX XXXX  XXXX Remove XXXX XXXX Closed Closed on XX/XX/2016 XXXX XXXX Closed XXXX XXXX XXXX  Closed Closed XXXX XXXX XXXX XXXX  Closed Address where advised my only address is XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX Remove addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx 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 2022-04-05 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: RI

Complaint narrative:
I noticed XXXX hard inquiries that do not belong to me. I contacted all three credit bureaus and put an investigation, which resolved nothing. 

The hard inquiries in question are : 1- XXXX 2- XXXX I also tried to get it removed by contacting the actual companies who did this inquiries and was told to dispute it with my credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: RI

Complaint narrative:
I noticed XXXX hard inquiries that do not belong to me. I contacted all three credit bureaus and put an investigation, which resolved nothing. 

The hard inquiries in question are : 1- XXXX  2- XXXX I also tried to get it removed by contacting the actual companies who did this inquiries and was told to dispute it with my credit reporting bureaus.

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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I keep having different collection agencies putting this XXXX account on my credit report that I have been disputing successfully now for around 2 years. I dispute it and the credit bureau 's keep taking it off then 6 months later another company will, do the same thing. XXXX from XXXX but this not my account. Credence collection agency put it on my XXXX  report total of 3 times within a few weeks .... XXXX XXXX XXXX XXXX XX/XX/2022 and now again XXXX XX/XX/2022. They also placed it on my XXXX XXXX report. I need this to stop immediately thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: KS

Complaint narrative:
The Company, XXXX XXXX  never submitted this covered Claim to XXXX and to my XXXX XXXX XXXX XXXX XXXX XXXX Coverage. 

I have no idea for I talked it to the local office and received no local call about it. 

Not one call too from a XXXX XXXX XXXX XXXX too. 

I assumed that it was being covered by my Insurance Policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-05 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: MO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check in my ( XXXX ) Chase business account from an insurance broker ( an agent for XXXX XXXX XXXX XXXX in business for over 60 years, whose bank, XXXX XXXX is in XXXX XXXX XXXX XXXX ) on XXXX for {$93000.00}. After the deposit I was told that the funds would be held until XXXX ( 9 days!! ). This morning ( XXXX ) I went to Chase to try to get the funds released and they told me I would have to call XXXX. I did, I was on the call for 35 minutes - the representative called XXXX XXXX while I was on hold with them to verify the check, but XXXX said they do not verify to 3rd parties. I said, call them with me on the line as I am not a third party to this transaction and the rep said that would not make a difference. I have now been transferred to a supervisor where the hold time is more than 30 minutes, which will put this call well over an hour. There is absolutely no reason a check from XXXX XXXX should not clear overnight in XXXX, much less be held for 9 days. This check is from an insurance settlement ( property damage from 2.5 months ago ) and not having access to this money for another 9 days is causing me extreme stress and hardship ; I need to get my home fixed so I can live there. At this point I am on the call for 55 minutes, still holding for a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed information on my credit report as a result of identity theft. I submitted my FTC ID theft report and formal request with proof of identity to Equifax requesting they block/delete the harmful and damaging fraudulent accounts as pursuant to section 605b of the FCRA. The information continues to report which is a violation punishable of {$1000.00} per instance. I submit this complaint as a victim of Fraud Enablement after providing all necessary information to remedy this unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Lending Club Corp
State: CA

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LENDINGCLUB BANK is furnishing. 

I sent a Dispute letter dated XX/XX/2022 with a green return receipt. To no Avail LIST OF INNACCURACIES FOUND ON IDENTITY IQ CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY LENDINGCLUB BANK was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LENDINGCLUB BANK complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCP Holdings, L.P.
State: TX

Complaint narrative:
1. NCP FINANCE OH  I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX my checking account at Truist Bank was hacked. The hacker managed to XXXX {$630.00} out of my checking account, and then on XX/XX/XXXX the hacker managed to XXXX two more transactions, one for {$200.00} and another one for {$50.00}. I called Truist at XXXX and reported all three unauthorized transactions for a grand total of {$890.00}. They filed a claim and the claim number is XXXX. I received documents in the mail which I filled out completely and dropped off at Truist at XXXX XXXX XXXX, XXXX XXXX FL XXXX. I waited in the lobby for over 30 minutes and no one even acknowledged me although bankers and branch manager were not doing anything. After a long wait, the branch manager asked what I needed and proceeded to walk me over to the teller line where they faxed above referenced documents and interoffice mailed the originals. I went in to the branch 4 other times ( XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ) to inquire on the status of my claim, because anytime I called the 800 number I wait a minimum of 2.5 hours and one time I waited for 3.5 hours and ended up getting disconnected. It is today XX/XX/XXXX and I still have not received a call to confirm receipt of my documents and an update on the claim.

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently got my credit report and as I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. 

I have called these credit bureaus and was told to file a police report. Nowhere in the law does it state that I have to provide a police report this is clearly a stall tactic and going against my human rights. The inquiries below need to be deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the deletion of these inquires

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