vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: TN

Complaint narrative:
I joined XXXX XXXX in XXXX Tennessee in XXXX. After being a member for a year, I gave them due notice regarding cancelling my membership. I spoke to the customer representative in person and she annotated my cancelation. Thirty days passed and they continued to collect the monthly payment, even though they had agreed to cancel my membership. I attempted to speak to the representative and the original representative no longer worked there. The new representative wanted to start the process all over again. I cancelled my card the following day. While checking my credit on XXXX XXXX, I noticed a derogatory mark that impacts my points. It is a collection agency, 1st Crd Srvc opened XX/XX/XXXX with the original creditor being XXXX XXXX XXXX for the amount of {$120.00}. This is not about the money, this is about a blatant consumer abuse. Their ineptitude for not cancelling my membership when they agreed upon it, then losing the employee who originally processed my cancellation, then wanting to start this 30 day process all over again, is just plain wrong. XXXX XXXX in XXXX wanted to continue to charge me for a service that I no longer wanted. I did what was needed originally and gave them the contractual notice of cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I bought the pre-paid card, added {$50.00} onto it at the same time as I bought it, and activated it when I got home. I immediately noticed it had been a bad idea as I read about all the fees. 

I went ahead and decided to close the account and get my remaining balance of {$50.00}. 

They sent me a check in the mail for {$44.00}. The check is dated XX/XX/2021, but I got it XXXX XXXX. 

Today is XX/XX/XXXX and I can't cash the check because it's no longer valid. 

So I called them and the customer service told me that I won't be getting any more checks and unfortunately my balance can not be retrieved.

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 2021-06-18 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -NCA # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
Hello, I disputed my 30days past due. I was having a financial hardship at the time. Request to remove of my credit report. Moving forward Ive never been late with my car payment

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 2021-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 My wife and I were looking into getting approved for a mortgage XXXX XXXX XXXX  XXXX. A licensed Mortgage Professional Mr. XXXX XXXX XXXX was trying to assist us. Mr. XXXX then pulled a credit check through a system called XXXX XXXX XXXX XXXX it is one of the system in place in order to secure a mortgage. Only when doing so the only bureau score that came up was XXXX  with a XXXX score. At the end of the credit report gives information as to why XXXX  and Transunion could not supply a score and reads like this : FICO SCORE NOT AVAILABLE SUBJECT DECEASED, XXXX. 
TRANSUNION : FILE NOT SCORED BECAUSE SUBJECT IS DECEASED. I have tried to call the credit bureau 's to no avail, one guy tells me one thing another tells me another thing. I called over and over again and again to get this resolved and nothing. I hired an attorney to look into the matter and he is just as lost. Please can some one help me. I was going to be approve for a forever home for my wife and children this has caused me stressed and pain I still don't have a answer investigation stated that it was going to remain on my credit. I am well and alive I do not know what to do. This is extremely painful. Oh I forgot I received yet again another card from XXXX  that there were going to advised the other credit bureau 's that I am deceased. What the XXXX is going on!!! Please help me I want to get my family a home. 
My name is XXXX XXXX XXXX XXXX email : XXXX Please give this the utmost urgency I have evidence to support my claim. The credit bureau 's ruined my life. Please assist me. 
Thank you 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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 My wife and I were looking into getting approved for a mortgage XXXX XXXX XXXXXXXX XXXX. A licensed Mortgage Professional Mr. XXXX XXXX XXXX was trying to assist us. XXXX XXXX then pulled a credit check through a system called XXXX XXXX XXXX XXXX  it is one of the system in place in order to secure a mortgage. Only when doing so the only bureau score that came up was Experian with a XXXX score. At the end of the credit report gives information as to why XXXX  and XXXX  could not supply a score and reads like this : FICO SCORE NOT AVAILABLE SUBJECT DECEASED, XXXX. 
XXXX  : FILE NOT SCORED BECAUSE SUBJECT IS DECEASED. I have tried to call the credit bureau 's to no avail, one guy tells me one thing another tells me another thing. I called over and over again and again to get this resolved and nothing. I hired an attorney to look into the matter and he is just as lost. Please can some one help me. I was going to be approve for a forever home for my wife and children this has caused me stressed and pain I still don't have a answer investigation stated that it was going to remain on my credit. I am well and alive I do not know what to do. This is extremely painful. Oh I forgot I received yet again another card from XXXX  that there were going to advised the other credit bureau 's that I am deceased. What the XXXX is going on!!! Please help me I want to get my family a home. 
My name is XXXX XXXX XXXX XXXX email : XXXX Please give this the utmost urgency I have evidence to support my claim. The credit bureau 's ruined my life. Please assist me. 
Thank you 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 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I paid a debt of {$44.00} in XXXX and it wasnt reported to the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
We were supposed to move into XXXX XXXX XXXX on XX/XX/21 and they did not respond about the apartment being sanitized during Covid 19 Pandemic for the week prior. The apartment smelled like urine, and it was very dirty and was shown to us by a person named XXXX. 

This home is for the safety of our family as we have XXXX children. 

Instead XXXX sent us a bill for cancellation when this is completely their fault for not having a clean sanitized unit for us to move into. XXXX XXXX did not Sanitize the apartment, and I informed them that we can not move in until it is sanitized. I had called XXXX and XXXX numerously during the week and they did not respond at all. Instead of letting us know the apartment was clean and sanitized, they sent us a bill showing " cancelled after approval. '' XXXX XXXX showed us an apartment and misrepresented their services and deceived us into believing we could move in. Instead of sanitizing the apartment they used their companies paperwork to justify the charges on our credit card. 

Our credit card company also did not agree with what happened as we have provided the same information about what happened. Our creditor said that they can not charge you for something they did not provide, which is a clean apartment to move in to. 

These charges are deception, they did not provide us with clean apartment and when we called about it they did not respond the whole week prior, to let us know it has been cleaned/sanitized. We did not even have the keys ot the ability to inspect the unit prior also. 

XXXX had us do all the pre-qualification paperwork and just to steal our money via credit card number, and use their modus operandi to basically steal money from us. 

Currently I have Genesis ( Columbia Debt Recovery XXXX ) harassing us for more money with fees that are unheard of. 

This needs to be investigated as this company is acting criminal. 

They did not deliver and apartment to move into, and are charging us for it? That is FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -CAPITAL ONE BANK USA NA # XXXX -XXXX XXXX XXXX # XXXX -XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
hi my name XXXX XXXX XXXX live in XXXX XXXX XXXX XXXX XXXX XXXX ga, today i am wrinting to cfbp on this credit refort. i am try to talk to experian about 2 month now i still not getting anywhere. in this is all company that pot in my credit report all hard inquiries that i only one to check to see am i qaolify or not .what i understand that if sofrt inquiries.that they are not in hard .but soft here some of the company 2 XXXX XXXX XXXX on my experian XXXX XXXX XXXX XXXX tx XXXX they have 2 in there in one month i wan them of 2 discover financia 12 reads way new castle de XXXX same thing i tall them to take of but they not do it XXXXXXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX .ca XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX az XXXX all this company i talk too they tell me nothing they can do only credit bereu can take is of they cant sol today i talk to experian agianXX/XX/2021 the bereau toll me they cant do anything

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 2021-06-18 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: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
American Express is not a collection agency. By definition, the original financial institution where we qualified for credit is exactly that, the original bank or credit union. No matter I had delays in my payments with American Express, American Express recognized too late, not in the year XXXX where I contacted them and sent lots of evidence about what was happening at my job, which I still have, but only recently in the letter included from them, American Express, dated XX/XX/XXXX, where they wrote and quote : " Additionally, we located multiple correspondence from you about your account that were reviewed beginning in XXXX. '' But as I wrote and in on record here at the C.F.P.B., American Express back then in the year XXXX never recognized this correspondence, sent by fax no matter they didn't wrote it, American Express never recognized that it was received at all, and in fact never offered much less granted any kind of Payment Extension or Payment Agreement, no matter I kept constant contact with them, and that is not what a collection agency client does, which is the opposite, an account is sent to a collection agency only when the client does not respond, much less when the client pays as I did. 

The letter from American Express ends with this, and I quote : " Your account has been handled in accordance with our policies and procedures. 

We thank you for your time and hope to have answered your questions. 
Sincerely, XXXX XXXX Customer Advocate Services Team American Express Enclosures '' Yes, according to their American Express Policies and Procedures, BUT NOT ACCORDING TO THE FAIR CREDIT REPORTING ACT : BECAUSE I PAID DIRECTLY TO AMERICAN EXPRESS THIS ACCOUNTS USING THEIR OWN INTERNET PAYMENT SYSTEM : THAT IS NOT PAYING TO A COLLECTION AGENCY : EVERYTHING WAS PAID DIRECTLY TO THE ORIGINAL FINANCIAL INSTITUTION, AMERICAN EXPRESS, AND THEY ARE NOT A COLLECTION AGENCY : REPORTING MY ACCOUNTS OVER THE YEARS INCORRECTLY AS UNDER COLLECTION IS NOT ACCURATE, IS NOT PRECISE, AS REQUIRED BY THE FAIR CREDIT REPORTING ACT AND SIMPLY WILL RESULT IN A FATAL CUTOFF BY ANY OTHER MAIN BANK NO MATTER THE OFFERS KEEP ARRIVING TO ME BY MAIL EVEN HOURS AGO, SEE XXXX XXXX OFFER INCLUDED, AND THE FATAL CUTOFF EXPLANATION BY XXXX XXXX, A FORMER SENIOR CREDIT RISK OFFICER, INCLUDED : I DISAGREE WITH AMERICAN EXPRESS RECOMMENDATION THAT I COULD OPT TO STOP RECEIVING BANK OFFERS OR PRE SCREENED OFFERS : SEE THEIR XXXX XXXX XXXX LETTER INCLUDED. AS XXXX XXXX, XXXX, RESPONSE : I DESERVE THE OFFERS AND NEED TO USE MY CREDT AS ANYBODY ELSE SPECIALLY THESE DAYS. 

THE LAW REQUIRES THE ACCOUNTS TO BE REPORTED WITH PRECISION : NOT ACCORDING TO THE POLICIES OF ANY BANK, LIKE THEY WROTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivables is reporting multiple accounts on my credit file and they need to be removed. These accounts are still reporting on my file despite them never being able to find these accounts. I called multiple times and they were never able to find me despite how much information I gave them. They told me to dispute them and I have been but they continue to validate the collections to the bureaus but not me? These are not mine! You have nothing on me, you need to remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: KS

Complaint narrative:
Transunion is perpetuating Fraud by having Hard inquiries remain on my credit profile that I did not request, give permission, request etc.. This is a violation of FCRA Section 1681b ( c ) and is a Breach of Privacy per Federal Law.

I have reported these to Transunion as Fraudulent but Transunion says, " Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist ''. This essential means that any person, entity, computer algorithm can access my credit report and add miscellaneous unverified data to my Credit profile and anyone else 's.

This is a gross abuse and negligence on the part of Transunion and I am very appalled by this cavalier attitude towards the FCRA and it's rules governing privacy.

Below are the Fraudulent inquires that I'm referring to. 

XX/XX/XXXX - XXXX XXXX ( not mine ) XX/XX/XXXX - XXXX  Card Services ( not mine ) XX/XX/XXXX - XXXX XXXX ( not mine ) XX/XX/XXXX - XXXX Financial ( not mine ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( never requested ) XX/XX/XXXX XXXX XXXX  Card Services ( not mine I demand that Transunion remove the inquiries listed above. Per Federal Law and FCRA Section 1681b ( c ), they meaning the Credit reporting bureaus in this case Transunion, must remove these Hard inquiries immediately from my credit file. 

Please remind Transunion there is a fine of {$1000.00} per FCRA violation and can be enforced by the State of Kansas 18th District U.S. Court and the Federal Government. 

.

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 2021-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have attempted to contact the credit bureaus : XXXX, XXXX, & Transunion and they have been unable to assist me in this matter. I let them know the following items need to be removed & submitted the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I have attached a signed & notarized copy of FTC Identity Theft affidavit. I would like to have the items mentioned on the report removed immediately as this situation is negatively affecting my report with inaccurate information. I have attached copies of my IDs for identity verification. 

By the provisions of the Fair Credit Reporting Act & FTC Affidavit, I ask that those items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this process within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 


Enclosed are the following : A copy of my credit report I received from the bureaus. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2021-06-18 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: GA

Complaint narrative:
To whom it may concern, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have attempted to contact the credit bureaus : XXXX, Equifax, & XXXX  and they have been unable to assist me in this matter. I let them know the following items need to be removed & submitted the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have attached a signed & notarized copy of FTC Identity Theft affidavit. I would like to have the items mentioned on the report removed immediately as this situation is negatively affecting my report with inaccurate information. I have attached copies of my IDs for identity verification.

By the provisions of the Fair Credit Reporting Act & FTC Affidavit, I ask that those items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this process within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

Enclosed are the following : A copy of my credit report I received from the bureaus. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation