vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: TN

Complaint narrative:
I pulled my credit report and found several errors that needed direct attention. I have been doing some research and the following companies are improperly using my credit report and they have violated my consumer rights under the FCRA. 

According to the FCRA, 15 U.S.C. 1681 Section 602A states I have the right to privacy. Also, 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account " WITHOUT '' my written instructions. I have never given anyone written instructions to furnish any information on me and it is a direct violation of my privacy. 


Violations : 1XXXX XXXX XXXX XXXX  Account XXXX XXXX 2. XXXX XXXX Account # XXXX 3. XXXX Account XXXX XXXX 4. XXXX XXXX XXXX Account # unknown

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 2022-06-14 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: TN

Complaint narrative:
I pulled my credit report and found several errors that needed direct attention. I have been doing some research and the following companies are improperly using my credit report and they have violated my consumer rights under the FCRA. 

According to the FCRA, 15 U.S.C. 1681 Section 602A states I have the right to privacy. Also, 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account " WITHOUT '' my written instructions. I have never given anyone written instructions to furnish any information on me and it is a direct violation of my privacy.

Violations : 1. XXXX XXXX Bank Account XXXX XXXX 2. XXXX XXXX Account # XXXX 3. XXXX Account XXXX XXXX 4. XXXX XXXX XXXX Account # unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CA

Complaint narrative:
To whom it may concern My name is XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. While checking my most recent credit report I noticed several credit inquiries that I did not authorize, made by the following companies listed below. I am writing to provide proof of me filing an FTC and a CFPB complaint in order to have all inquiries removed from my credit Report due to fraud. I have listed all accounts below. They were placed on my credit report starting dates on XX/XX/XXXX and XXXXXXXX XXXX with some duplicates on the same dates. I thank you in advance for your cooperation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
XX/XX/XXXX I call twice today. The first time was to figure out why I got a letter in the mail dated XX/XX/XXXX which was the same day I made a payment. Telling me that I had not paid my bill and needed to or it was going to be turned off. They told me I got the letter because I paid XXXX days late. 
I hung up the phone already upset, I then went to the website and post dated the XXXX payment to come out on XX/XX/XXXX the due date. I then went on my bank account and saw that the payment posted against my bank for today. 

I called my credit card company back ( aspire ) and asked to talk directly to a supervisor. I told her about the call from earlier and that I post dated a payment for the due date onXXXX and that it came out today. She then told me if I make a payment with my debit card it will automatically come out same day. I asked her then why does the site let me pick a date and why is there no disclosure about if I use a debit card it will come out the same day that I have to put it my bank account info in. All she wanted to do was reverse the payment. But when I asked what happens if u forget or get busy on the due date and forget and pay a few days late again your just going to charge me another late fee. I asked again why was there no disclaimer about using a debit card and why was it not written any where. She had no answer. Told me I have been making payment so I had to know better. I was never told that this was an automatic thing only when I called XXXX other time a few months ago that it can sometimes happen. I got most frustrated with her and told her that all calls are recorded so she call dig that call up and see. Still no real answer as to why it is not posted anywhere about no matter what date you pick it will automatically come out same day. I told her I was filing a complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of identity theft in which this Wells Fargo account Is a result of that. I have reached out to Wells Fargo for years now and they keep telling me that there is no case in there office I have recieved emails from Wells Fargo with a case number but I can never get any information to move forward. I have sent a copy of my FTC package and they have responded asking me to send verifying information in which I sent with the FTC package. This balance of {$140.00} has affected my livelihood for me and my XXXX kids. I keep getting rejected for an apartment because of this account that doesn't belong to me. The credit bureau keep saying that they. verified it's accurate BUT will not provide the information to me they just give a generic update.

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 2022-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: TX

Complaint narrative:
I sent Americollect a letter requesting the for them to validate the debt with the following pieces of information ( please see attachment-Americollect Validation Debt request letter ).

Instead, I receive a generic letter without any of the information requested. 
Need original copy with my signature, need proof that they own or have been assigned the debt to collect, need payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
The following account is a result of FRAUD ... and Identity thief, I have already filed a disputes with the XXXX major credit bureaus. 

Amsher Account # XXXX pursuant to 15 U.S.C. section 602 A states I have the right to privacy ... ... also it states under 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written consent ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX has violated my rights under the law 15 U.S.C 1681 Section 602A - I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604A ... .Section 2 - A consumer reporting agency can not furnish an account without my written instructions. The following account numbers have violated my rights under the law 15 U.S.C 1681 Section 602A and 15 U.S.C. 1681 Section 604A : Collections Accounts : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 2022-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I got into a car wreck on XX/XX/2022. My vehicle was immobile. I have insurance through XXXX and after performing a proper estimate the vehicle was deemed a total loss on XX/XX/2022. XXXX 's total loss department and I XXXX XXXX have tried on multiple occasions to in contact with the insurance department of Wilshire and no one would answer and we would get sent to a survey. XXXX wants a perfected title with Wilshire as the lien holder and it has yet to be given. It is causing me and my family to be put in a predicament where we have to come unnecessarily out of pocket for rental vehicles and also not have the remainder settlement amount to get a new car. Again XXXX needs the perfected title to pay off the loan amount and to release anything additional to me. Wilshire has been everything but helpful and has sent us on complete runarounds about this issue.

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 2022-06-14 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:
In accordance with the Fair Credit Reporting act XXXX Bank 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 with 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 explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
Please see attached violations and proof within. This loan was instated as a refinance when in fact it was never financed before this XX/XX/XXXX in the name of XXXX XXXX This institution used Predatory lending acts as proven in the following statements acquired from the bank which were provided to me XX/XX/XXXX. This institution is in violation of TILA, RESPA UCR Act. Predatory Lending Act and several FTC Securities violation including usury and finance charges over and above the 36 % allowed by XXXX XXXXXXXX. Illegally created an Escrow then this institution attempted to XXXX me and threatened me with a Cognovit Note which is only to be used in Commercial Banking, and deemed illegal to be presented or attempted to used to defraud a residential consumer within the XXXX, Otherwise referred to as a Confession of Judgment. See attached.

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 2022-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
On XXXX I called Franklin, I had to email them to get permission for my negotioator to speak with me on the line in writing. After she did this I was emailed back and so was she telling us to call the servicer. 
On XX/XX/22 I called the servicer for Franklin XXXX XXXX XXXX XXXX XXXX ) to see if I could settle the {$830.00} medical debt it shows owed on my credit report. I spoke to XXXX XXXX at XXXX and she told me I owed {$1800.00}. I asked her if she had been mistaken as this is over {$1000.00} more than is shown on my credit report. She say it was because of interest and other costs. They are posting {$830.00} on my credit yet demanding {$1800.00}. This can not be legal. I have received nothing in the mail about this as they didnt even have my correct address on file prior to this phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP
State: WA

Complaint narrative:
Had an IRA account at State Farm Bank containing XXXX CD 's. State Farm said they were getting out of the " banking business '' and thus transferred the account to US Bank without letting me choose which bank my account was transferred to. State Farm did not have fees for IRA accounts, but US Bank is now charging me an annual fee of XXXX dollars for my IRA account. I have called XXXX  times and was told it's their policy because my account is under XXXX dollars or I need to open a star checking with so much in it to wave the fee. They also stated that if I transferred the IRA account to another institution, they would charge me over XXXX dollars for transferring the accounts and early withdrawal. First, I believe that this fee is wrongfully applied because I did not choose US bank for my IRA and did not pay a fee at State Farm before they transferred, nor can I afford to open an additional checking account. And second, there is no option for me to met their criteria for waving the fee because I can not add to my IRA ( XXXX and not working ) and it will be a financial hardship to transfer the account. Lastly, this policy from XXXX band puts me under duress to pay the fee and adds considerable stress.

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 2022-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
Duvera Billing Service has reported a derogatory charge off to XXXX for the amout of {$3600.00}. I have never been notified that a debt has been owed to such creditor. I'm not aware of doing any business with such creditor. The creditor failed to contact me prior to placing such derogatory remarks on my credit file. The creditor failed to follow the Fair credit reporting act guidelines. As such, I request that the collection deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I XXXX XXXX XXXX Filed a complete and Accurate Dispute with XXXX XXXX and XXXX letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded XXXX to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so XXXX are aware Of the Dispute XXXX did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address XXXX also acknowledge the receipt of my documentation however XXXX did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered XXXX and XXXX to pay me {$1000.00} per violation XXXX is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into XXXX XXXX XXXX XXXX is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also XXXX is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX Funding Also XXXX did not remove XXXX XXXX XXXX. XXXX XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however XXXX and XXXX XXXX to protect my consumer rights Also Chexsystems did not complete a Full investigation banks that are being fraudulently Reported is XXXX XXXX XXXXXXXX XXXX And all inquiries Which XXXX XXXX is already aware of and I have already supplied documentation and FULL COMPLETE dispute

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 2022-06-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX Filed a complete and Accurate Dispute with XXXX XXXX and Experian letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded XXXX to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so XXXX are aware Of the Dispute XXXX did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address XXXX also acknowledge the receipt of my documentation however XXXX did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered XXXX and Experian to pay me {$1000.00} per violation XXXX is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into XXXX XXXX Also Experian is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also Experian is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX XXXX  Also Experian did not remove XXXX XXXX XXXX. XXXX  XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however XXXX and Experian Failed to protect my consumer rights Also XXXX  did not complete a Full investigation banks that are being fraudulently Reported is XXXX XXXX XXXX XXXX  And all inquiries Which check systems is already aware of and I have already supplied documentation and FULL COMPLETE dispute

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 2022-06-14 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: TN

Complaint narrative:
These inquiries I did not authorized. I have called Transuion and I have spoke with the creditors they have no record I did buisiness with them nor gave them permission to run my credit. I have been dealing with this issue for years. 

XXXX ( Inquiry date : XX/XX/XXXX ) XXXX Of XXXX ( XXXX Date : XX/XX/XXXX ) XXXX XXXX ( Inquiry XXXX ) 15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate.

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