vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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: ENCORE CAPITAL GROUP INC.
State: IL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TX

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

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

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

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 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had an incorrect charge and Duplicate charge from XXXX on my checking account back on XX/XX/XXXX - I have made XXXX claims with Wells Fargo and they have denied both. I requested the documentation be mailed to me that they used to make the decision so I could go to XXXX and also place a police report to get my funds returned. I requested this on XX/XX/XXXX - never received. When I called to check on the documents, they stated they were never sent and it will be another 10-12 business days to receive. This is a large sum of my money that is due back to me. I provided the receipt from XXXX showing the incorrect amount was charged and also provide my XXXX statement showing that is where the funds came from for the second charge for the gift cards along with a detailed letter explaining the events on XX/XX/XXXX. XXXX has no concerns for me getting my funds back that were incorrectly charged to my account even when providing them proof that they were charged incorrectly.

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 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2022 the amount {$96.00} was paid to AFFIRM INC, and again on XX/XX/2022 the amount {$96.00} was paid. A grand total of {$190.00} was paid. 

AFFIRM is the intermediary for XXXX retail business for the purchase of -1- Remixed Shirt size X-Large at {$140.00} cost, and -1- Remixed Shirt Dress size X-Large at {$220.00} cost. The total purchase price for the -2- items was originally billed {$360.00} plus {$26.00} tax, for the grand total cost {$380.00}.

The nature of the dispute. ONLY one item was ever delivered : ONLY the -1- XXXX XXXX XXXX for {$220.00} was delivered on XX/XX/2022. 

The -1- Remixed Shirt for {$140.00} WAS NEVER DELIVERED. 

I reached out via email multiple times to the retail business XXXX directly, I never heard from anyone. 

I emailed the intermediary AFFIRM via email multiple times, requested that the -1- Remixed Shirt for {$140.00} letting them know that the -1- Remixed Shirt for {$140.00} was never delivered, and provided supporting documentation. I continued to receive generic emails requesting the SAME PROOF and unreasonable steps to take in each email. I asked that the matter be escalated to management, and to receive a call back from a live representative, which never happened. Finally, I asked that the Remixed Shirt for {$140.00} order BE CANCELLED. 

There has never been any resolve. Instead, I keep receiving harassing emails from the company AFFIRM repeatedly requesting payment for merchandise I NEVER RECEIVED. I am now receiving emails threatening collections. 

The original order number XXXX and package tracking number XXXX. 

AFFIRM is a scam and fraud. There are no " live '' representatives to deal with discrepancies with the purchases made using their installment payment services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
I am a XXXX XXXX who got called up for XXXX XXXX in XXXX I received orders in XX/XX/2021, but prior to that I applied for a personal loan with Mariner Finance. As a XXXX we don't know when we getting orders or get called up for duty. Nevertheless, I submitted my orders to the company in XX/XX/2021 to receive my 6 % rate reduction under the SCRA benefits. They are denying me because they are saying that I knew I was going on orders and therefore they don't have to give me the 6 %. The orders where dated XX/XX/2021, but I never received them till XXXX after the fact and plus I did not fall under XXXX XXXX orders until XX/XX/XXXX. I have tried to explain that to them, but they refuse to listen. Please help, I have contacted my legal representative here on base and I am waiting for them to get back to me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Millco Management
State: FL

Complaint narrative:
A company that have appeared on my credit repot by the name of AMERIFINANCIAL SOLUTIO XX/XX/2022 In the Amount of {$1100.00}. I am lead to believe there real name is American financial solutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Upon opening my Bank Of America Online Portal to view my only account with BofA ( a credit card ) I realized there is other accounts a Checking XXXX and Savings XXXX that were fraudulently opened without my authorization or permission. I've attempted to call and ran into excessive, burdonsome, hold times of an hour without resolution. I was transferred to other departments where my call was dropped. I attempted to email Bank Of America as well but never received a response. I am aware that XXXX XXXX opened accounts in customers names without permission and think this could be that same situation with Bank Of America given their lack of interest in helping me. I also noticed a fraudulent email and phone number associated with these accounts that is not mine.

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 2022-07-26 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: HI

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} XXXX XXXXXXXX XXXX Balance Owed : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Original Creditor Account # XXXX, Original Creditor 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 an 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 2022-07-26 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: HI

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INCORRECT NAME : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX SO XXXX XXXX XXXX XXXX XXXX, CA Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
Recieved multiple calls within 7 days and mail correspondence. Calls are as follows : XX/XX/XXXX - XXXX incoming call no response when I answered. Called right back and same debt collection company. Spoke with a supervisor advising I already spoke to someone today and Im already getting another call an hour later? 

XX/XX/XXXX - XXXX I reached out advising of the multiple calls and confirmed my name and info. 

XX/XX/XXXX - XXXX incoming call and hung up. 

XX/XX/XXXX - XXXX incoming call and hung up XX/XX/XXXX - XXXX called back and was same company. 

XX/XX/XXXX - XXXX incoming call and hung up. 
XX/XX/XXXX - XXXX called back and was same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: AZ

Complaint narrative:
I received a collection notice for an account and it doesn't have any patient information or what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TX

Complaint narrative:
In XXXX of XXXX, and XXXX of XXXX, I submitted documents to Equifax proving that several inquires on my credit report were not authorized or duplicates of authorized inquiries. These documents included an Police report and FTC report. These inquires included XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
CONVERGENT OUTSOURCING is falsely reporting on my credit. 
Per my research CONVERGENT OUTSOURCING is a debt collector. 
Account # XXXX are falsely reporting and violating my rights and fair credit act. Under 15 U.S. Code 1681d- Disclosure of Investigative consumer Violation. I have attached the definition so you can see the violation.

A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.

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

I request to be provided proof of this alleged item, specifically the original contract and instrument bearing my signature with CONVERGENT OUTSOURCING. Failure to show results in item to be deleted from the report as soon as possible. Under federal law, you have 30 days for a reinvestigation. 


I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that the information they gather and distribute is fair and accurate .. Every step must be take to assure the information is reporting correct.

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 2022-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I have a credit score of about 800 ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

CAPITAL ONE AUTO FINANCE ( Finance ) XXXX XXXX XXXX ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make XXXX inquiry. 

I also see I have an additional 2 hard inquiries from the following dates : CAPITAL ONE ( Bank ) XX/XX/XXXX XXXXY ( Bank ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-26 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: LEXISNEXIS
State: FL

Complaint narrative:
I have for almost a year now been in a battle with LexisNexis to remove the negative items on my report, including a bankruptcy record. They keep telling me the bankruptcy has been validated and I have requested to see how they have validated this, as I have previously contacted the courts and they have mentioned they do not validate this information. I once again emailed the courts last night for additional verification and they have replied that in fact, they do not validate this. LexisNexis is violating my consumer rights and I need your assistance to have them delete this record and stop reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: MD

Complaint narrative:
my issues is that, I have two accounts XXXX BANK, and XXXX BANK, CREDIT CARD ACCOUNTS THAT ARE NOT SHOWING ON MY CREDIT PROFILE. IT HAS BEEN TOLD TO ME BY THESE TWO ENTITIES THAT THEY HAVE BEEN REPORTING TO EQUIFAX MONTHLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XXXX Received a call from Nelnet saying they needed my information before they could tell me what the call was regarding about my account XXXX After requesting clarification before providing any personal identification information, as this call was unsolicited and from a number that did not match the nelnet customer service number, the caller refused to even give any high level information. 
I ended the call XXXX After calling in the confirmed Nelnet customer service line I asked for confirmation of the earlier call and what it was regarding. They said it was to confirm my address XXXX After confirming the information, I asked about loan consolidation options. My goal was to identify what a weighted average interest rate would look like before committing to this option. I was told by the Nelnet representative that in order to find out what the interest rate would be I would need to commit to consolidating first and then find out how much it would be. When sharing that for any other loan type or refinance I could find out what the interest rate would be before committing but she confirmed that was not allowed by the Dept of Education and they wouldnt provide that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: HI

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$890000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief