vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
Mariner Finance XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX XXXX XXXXXXXX Mariner Finance , LLC, claims they sent an unsolicited loan check to an address that I have not lived at for over two years and is also claiming that someone cashed it, they are now demanding payment for the loan from me. One of their representatives reached out to me due to the signature on the check not matching the name on the check. I informed her that I had never even heard of her company much less cashed a check from them and that it was fraudulent and they needed to have it removed from my credit report. I was then informed that I would have to place a police report and give them a copy of it. I did not create this situation but I went and filed the report as asked and gave them a copy of the case number to follow up on. At this point they have now demanded that I come to their office and sign an affidavit so they can further investigate. I refused stating that it was their responsibility to resolve not mine and I will not waste my time and money helping them resolve it. They have now began to call me numerous times a day always someone different from a different office, and a barrage of emails demanding payment threatening to turn it over to collections and possible legal action. I have a copy of the check in question and it clearly shows someone else 's signature. After a very close examination of the check there is no stamp, signage, or even a location address of where it was cashed and by who. When I asked Mariner Finance , LLC to provide this information and proof that the money was actually paid out they refused. This really seems like some kind of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: OR

Complaint narrative:
I reviewed a statement, and as I was looking through the statement I noticed all these fees. Not overdraft fees but like if the amount was declined a fee was assessed not the same amount every time either its like the more money I had in my account to be taken the higher the fee was. I believe they charged me over XXXX dollars in fees in less than 1 year. This is ridiculous I feel like I have been robbed. I am a single mother and can not afford this. I have a print out of these fees in case they try denying it or tamper with my statements in any way. I asked if any of the fees could be reimbursed and they told me no there was noting they could do about it. I think they should be shut down. No wonder there are so many homeless people it is most likely due to these kind of Companies steeling peoples hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: RFNA, LP
State: GA

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with CFPB about XXXX credit investigation practices. I have uploaded proof to you guys as well as XXXX that the Debt was paid in full. On today XX/XX/2023 XXXX has come back saying the company verified the debt and that I am still past due when I have provided XXXX proof that the debt was paid and they still reporting inaccuracies on my report. Again I will provide proof here that the debt was paid in full on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NE

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from 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 2023-10-03 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: EQUIFAX, INC.
State: NE

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I sent Credit Acceptance a " Debt Verification Letter '' by Certified Mail # XX/XX/23, asking for detailed " accounting information according to U.S.C Title 15 1692, U.C.C. These are some of the question I asked to be verified : Where is the contract, where me and you signed? Credit Acceptance ( YOU ) signed saying, said money was given to the debtor and by what form was the Federal Reserve Notes ( CASH ) attained by the borrower? Was the money ( CASH ) deposited into consumers bank account? Provide the date and time of the banking transaction? Who is the original Creditor on the account? 
XXXX. TENDER OF PAYMENT ; ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. And ( c ). I have given Credit Acceptance my instrument signed, endorsed and paid to the order of them which they did not accept. Any time I receive and instrument " bill '', a negotiable instrument, addressed to me with my information by law I am the " holder in due course '' and I can pay to the order to anyone per CFR 328, U.C.C 3-301. I have sent their Indenture Trustee ( Computershare Trust N.A ) My instrument with my correct endorsement per the Fiscal Department with a 1099A, 1099C and I just e-file 1099A with the IRS, to the correct person. I have sent letters demanding that their communications be through certified mail as all my responses and correspondences are. I have done an Accord and Satisfaction no response per 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT. They charge me a down payment of {$1500.00}. they will not give it back. they refuse to send me a copy of my full contract. I have been asking for several months now. They kept deny me for a loan on a car and ran my credit score down so they could place a higher interest rate. The sticker price on this car was {$10000.00} and they charged me more on the car because of my credit score and the amount of inquiries that had hit on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CT

Complaint narrative:
My student loans were moved to NelNet as the provider. I opted into the " SAVE '' plan but the payments did not lower for me, so for the past month I have submitted requests on their website from my account to change my payment plan. The website has many options for self-serve, but all my requests go un-answered and never change. I try to call but receive messages for long wait times, and even when I wait, I get hung up on.

I need someone to contact me and actually help fix my Student Loan plan before my payment is due on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There is incorrect information regarding this account on my consumer report. I did not purchase a loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: EQUIFAX, INC.
State: GA

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

Has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
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 2023-10-03 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: EQUIFAX, INC.
State: CO

Complaint narrative:
An account shows on my credit report, along with late payments, charge-offs, and other negative score related activity, that is all the result of identity theft and fraud. The account has damaged my score and cause tens of thousands of dollars now in increased fees and rates. I have repeated provided proof and requests to Equifax and XXXX to remove this fraudulent account, but they have not. Even though within days XXXX found clear evidence that it was fraud and did remove the account. The Equifax and XXXX companies have violated the FCRA and caused financial damage, and must be held liable. 
The FTC has an identity theft report and has agreed with the findings. The Federal Reserve has confirmed the details and believe this account is the result of fraud. Multiple collections agencies have been sent this information, and they all have found no evidence the account belongs to me, they have removed their collections efforts and have requested the credit reporting agencies to remove the incorrect and fraudulent account. Yet Equifax and XXXX continue this violation. There are also emails from the legal department of the credit company that agree that this account is not mine and should have no negative reporting connected to my credit report. 
At this point, I suspect XXXX XXXX or other prominent individuals at the company to be involved with this continued fraud, and should also be held liable. 
The account for XXXX / XXXX needs to be immediately removed from my credit report and remove any and all negative remarks and scores. There has been ZERO evidence provided that this account belongs to me, and is clear that fraud and identity theft has used my information for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identtity theft. I filed the correct information according to the FCRA and submitted disputes to the credit agencies. The disputes are not being processed correctly and the paperwork from the FTC is not being attached to the disputes. I am not getting copies of the verfication process sent to me. 

These are the accounts : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
Got emails about an account creation at an old address. ( XXXX ) XXXX was the number associated with the account. Not my number and I haven't lived there for a decade and I have never used that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
We sold our vehicle, XXXX XXXX, back to the dealership for {$27000.00}. The dealership then sent the check to Ally. The pay off we were given by Ally was for just over {$26000.00}. We received a check back about a month later in the mail from Ally for only {$90.00}. I called Ally and asked why we only received {$90.00} back, to which the person I spoke with told me " he couldn't tell me, he would have to get his XXXX involved to request the breakdown invoice of why we didn't get more money back. '' He said I would get this back by mail in a couple weeks, as it take them 5 days to process it, then XXXX to send it in the mail. I have not received anything back from Ally regarding the breakdown of the fees and why we only got {$90.00} back, when it should have been much more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
Transunion has not received written instruction to furnish a consumer report on my behalf in doing so Transunion is actively committing identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: GA

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with CFPB about Experian credit investigation practices. I have uploaded proof to you guys as well as Experian that the Debt was paid in full. On today XXXX XXXX, 2023 Experian has come back saying the company verified the debt and that I am still past due when I have provided Experian proof that the debt was paid and they still reporting inaccuracies on my report. Again I will provide proof here that the debt was paid in full on XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One pre-approved my application for a XXXX card that gives a bonus points of XXXX points after spending {$4000.00} in 90 days. After completing the requirement, they put the XXXX points in my account. Two weeks after, they closed the account on XX/XX/2023. I intended to transfer the points to one of their airline partners ( XXXX XXXX ) but was not able to. Apparently, there was an activity in the past that they did not approve. But with due diligence, they should not approve applicants who they believe dont. conform with their policies. I believe the points I earned belong to me and if they dont. want us to do business in the future, thats their prerogative. 
They should restore my points and then they could do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had identity theft and somethings that are reported does not belong to me. I've contacted the companies and all three credit bureaus. Experian refuses to fix the things that are wrong and false even after XXXX and XXXX has already fixed it on theirs. I don't not give them permission to be reporting anything about me under the fair credit report act. Experian also refuses to take off addresses, names and other information that I have told them does not belong to me. I have hard inquiries that should not be there with companies that I have no business or any dealings with too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I joined Citi Bank and started my direct deposit for my XXXX XXXX checking and within the first day my account was blocked twice. My card was turned off multiple times and my XXXX was also blocked. I called about my online access being restricted and the bank continued to state that it was a security measure that my account was being restricted. Now this is the seventh time that my account has been restricted and I have tried to use my debit card only to learn it was restricted yet again for fraud with out any knowledge or messages for a reason. This bank is HORRIBLE for consumers and should not be allowed to do this to people because it should not be this hard to access your money.

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