vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: WA

Complaint narrative:
There was a fraud deposit of {$2600.00}, then a fraud wire withdrawal of {$2400.00}. 
However, when I contacted the fraud department, they took the fraud wire credit back and left me with a negative balance!!!! I never wanted to open a savings account with AMERICA FIRST CREDIT UNION. I only have an auto loan and savings account with {$1.00}. Now I have a fraud savings with - {$2400.00} XX/XX/2023 FRAUD ADJUSTMENT - {$2600.00} - {$2400.00} XX/XX/2023 XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$2400.00} {$210.00} XX/XX/2023 ONLINE BANKING SHARE TRANSFER FROM SHARE ACCOUNT : XXXX XXXX XXXX XXXX {$2600.00} {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with FCRA XXXX  accounts # XXXX # XXXX Has violated my rights along with the following companies due to inquiries ( attachments ) 15 U.S.C. 1681 section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 602 B. States a consumer reporting agency can not furnish a account without my written instruction.

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 2023-08-04 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I charged travel insurance, they did not honor trip interrupted as per policy and will not refund it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Source Receivables Management LLC
State: IN

Complaint narrative:
This company was unable to provide proof of documentation between myself and their company. I do not know them nor do I owe them any money. My rights have been violated under FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-04 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: TX

Complaint narrative:
Subject : Urgent Request for Assistance Regarding Fraudulent Entries on My Credit File Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you with a matter of utmost urgency that requires your intervention and expertise. It has come to my attention that my credit file contains negative entries resulting from fraudulent activities. I am reaching out to seek your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

These fraudulent items have significantly impacted my credit score and financial standing, causing immense stress and hindering my ability to make important life decisions. In particular, I am currently in the process of purchasing a home, and these erroneous entries are proving to be a substantial obstacle in securing a favorable mortgage rate. 

I am aware of the Fair Credit Reporting Act ( FCRA ) and its provisions for addressing inaccuracies and fraudulent information on credit reports. As a consumer, I have the right to dispute these items and request their removal from my credit file. However, despite my efforts, I have encountered difficulties in navigating this process on my own. 

Given the complexity of the situation and the urgency of my need, I kindly request your involvement in escalating this matter to the relevant credit reporting agencies. Your expertise and intervention can significantly expedite the process and ensure that my credit report is accurate and fair. 

I am also seeking your guidance on involving the Consumer Financial Protection Bureau ( CFPB ) in addressing this issue. I believe that their oversight and involvement will provide an added layer of assurance that my case is thoroughly reviewed and resolved. 

I understand that your office has a commendable track record of advocating for consumers ' rights and rectifying credit reporting discrepancies. Your assistance in this matter would not only alleviate the immediate challenges I am facing but also contribute to upholding the integrity of the credit reporting system for all consumers. 

I have attached relevant documentation ( police report and identity theft affidavit ) that supports my claim of fraudulent activities affecting my credit report. I am more than willing to provide any additional information or undertake any necessary steps to facilitate this process. Your prompt attention to this matter would be deeply appreciated. 

Thank you for your time and consideration. I eagerly await your response and guidance on the next steps to rectify this distressing situation. Please feel free to contact me at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX HARD INQUIRIES MY CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX VA XXXX ALL OTHER ADDRESSES SHOULD BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent letters to all three credit reporting agencies on XX/XX/XXXX to correct my address and removing all others and have not received a response from them. They are violating my rights.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: TN

Complaint narrative:
I sent letters to all three credit reporting agencies on XX/XX/XXXX to correct my address and removing all others and have not received a response from them. They are violating my rights. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
In XX/XX/XXXX, I took out a {$3000.00} personal loan from XXXX. Somehow, my payments got linked to my XXXX XXXX XXXX debit card ( that she gets money on for chores and good grades ), so when they tried to draft my payments, they didn't go through. I didn't realize this happened and they closed my account and sold it to XXXX XXXX XXXX, a debt collector. I settled with XXXX, made payments, and paid off my balance. Meanwhile, XXXX retracted the sale of my debt but I was not notified, so I continued paying XXXX. On XX/XX/XXXX, I received a letter from XXXX that my account had been closed again and charged off and that I owed {$3000.00}. I have called XXXX many times, they say that XXXX hasn't sent them the money and that there is nothing that they can do. I have called XXXX many times. They said they transferred the debt to Velocity XXXX but that my obligation was completed. I have called Velocity many times and they say they sent the payments to XXXX. XXXX did send me a document on XX/XX/XXXX that my obligation was complete. I sent this to XXXX but they said it didn't matter because they still didn't have the money. I have called Velocity and they say that they sent payment to XXXX and that there is nothing else they can do.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Fraudulent accounts open with authorization. 

XXXX XXXX XXXX XXXX DATE OPENED XXXX BALANCE {$130.00} XXXX XXXX  XXXX XXXX DATE OPENED XXXX BALANCE {$430.00} XXXX XXXX  DATE OPENED XXXX BALANCE {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with FCRA XXXX  accounts # XXXX # XXXX Has violated my rights along with the following companies due to inquiries ( attachments ) 15 U.S.C. 1681 section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 602 B. States a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
I I'm being charged 19.95 % APR on my XXXX that I use mainly to take my XXXX XXXX  to therapy and be able to fit all my others kids as well. I wasn't aware it was that high when I signed the contract. I should've been more persistent in asking questions but I was being pushed and almost harassed to take the loan. I can't even refinance the loan bc after almost a yr, I still haven't touched the principal balance making XXXX XXXX/month payments. They are also harassing my family members every time there is any lapse in my payments. I stopped paying the past couple months and XXXX from the consumer finance protection bureau and she advised me to reach out to Exeter to make them aware i was filing a complaint and to let to let them make it right and change the interest rate. I talked to XXXX on XX/XX/XXXX from the finance company and was told since I signed it there was nothing I could do other than find another loan agency and refinance to get a new interest rate but I'm unable to be approved due to the marks on my credit since they reported the late payments. I was also told it would be deferred until XXXX and that she was submitting a claim on my behalf also but I started receiving calls again the past few days. I talked to XXXX yesterday XX/XX/XXXX and was told the deferment was only 2 months and covered my late payments but only paid part of the interest that accrues daily on top of the illegal rate of 19.95 %. I don't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I want to see what money is owed to me.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. State Zip : XXXX XXXX MD, XXXX Email Address : XXXX XXXX U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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:
not removing collections as well as unauthorized inquiries on consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Unpaid Balance {$830.00} ; XXXX XXXX Balance : {$150.00} ; 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 2023-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I had a trial modification from Fay Servicing ( XXXX # XXXX ) as of XX/XX/2023. I made the first and second payments timely. I sent a money order for the XX/XX/2023 payment in timely and it was received by you. I then sent a money order for the XX/XX/2023 and it was sent back to me, marked by Fay Servicing with an overnight stamp on the money order. Fay then claimed the money order was unusable and sent it back to me, claiming that I had altered it. I rightfully requested that Fay bear the cost of replacing and re-issuing the money order, as it was in perfect negotiable form when I sent it to Fay. I sent the same money order back, and one of Fay 's representatives insisted that I had to bear the cost of replacing it AND that it would not even be sent back to me, leaving me in the untenable position of having to report it lost, wait XXXX weeks for a refund, OR try to scrounge up an additional {$1000.00} to make a second payment for XXXX AND Fay 's representative further threatened that I would be put into foreclosure if I did not jump through these hoops ultimately caused by Fay Servicings mishandling of a timely payment. I am XXXX, a XXXX  retiree and a veteran on a very fixed income. Fay has now unjustifiably, and in bad faith, cancelled my trial modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} 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 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 explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was on vacation about two years ago and Wells Fargo stole money from my account on several occasions. The money was there one day and the next it's just gone. It doesn't show what happened to the money it was just gone. It came out to about {$200.00}. So I changed my bank for the first time in twenty years because of this.

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