vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FREEDOM FINANCIAL NETWORK
State: OH

Complaint narrative:
approximately XX/XX/2023 I received a call from a XXXX XXXX, they used to be freedom plus loans, had an existing loan. The person on the phone asked if I wanted to roll my car loans into the loan. After a couple calls that day, I agreed I specifically asked if the interest rate would be better or at least the same. The person on the other end of the phone said would be about a percent lower than what I currently had. The current rate was about 17 % so the new loan shouldve been about 16 %. Which is a pretty high because my husband I have credit scores over XXXX. I was also never informed there would be an origination fee. I did receive the loan documents but because I was told the interest-rate would be lower and there was no mention of the origination fee. I signed the documents. 

Unfortunately, I didnt realize until one day passed the day you could stop the loan, that they charged me {$1800.00} origination fee, as I got to looking further not only did the person lie to me about the interest rate in lower. The interest rate is 20 % which is 3 % higher than what I had. I wouldve never agreed to these terms. 

I started calling XXXX XXXX in speaking with representatives on XX/XX/2023. The represent told me shell follow complaint for me and also asked that they listen to the call I had with their rep on XX/XX/2023 so they could see he never mentioned in the origination fee. The rep agreed to put that in the complaint. 

On XX/XX/2023 I believe I realized that the interest rate on my loan is not 16 % like the rep told me on XX/XX/2023. The interest rate is close to 21 %.. I called back XXXX XXXX that day spoke to a representative, explained that the rep called me on XX/XX/2023. Tell me the interest rate would be about a percent lower than what I currently had which at that time, My interest rate with 17 % They said they would update the complaint. I again asked for them to listen to the calls on XX/XX/2023. I was told it would be sent to a team leader supervisor. 

I think a couple days later I spoke to a supervisor who did confirm she listened to the call from XX/XX/2023 she confirmed that that rep did not tell me about an origination fee and did state my interest rate would be about a percent lower than what I currently had and at that time my interest rate was 17 %. 

She agreed to let her supervisors know Ive had multiple contacts with her since, I sincerely feel she has tried her best to get upper management to look at this case. But as of XX/XX/2023 no resolution my interest rate is still 20 % which is ridiculous. 

She agreed that it is not appropriate for the representative to not have told me about the origination fee, and he gave me incorrect information about the interest rate. Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M1 Holdings Inc.
State: GA

Complaint narrative:
This is in regards to M1 Finance. This 2nd complaint is being entered for not providing me with access to the balance of my funds. The 1st complaint was for stolen funds. 

1. I'm a victim of Identity Fraud.

2. XXXX hijacked my account and I could not gain access for 5 days. M1 could not access either. Several communications a day to resolve. 
3. XXXX changed my profile to his and attached his external bank account and commenced to sending out {$8500.00} in ACH 's. At no time did M1 confirm his identity or validate the changes with me. 
4. M1 states " that I logged in and created the ACH 's ''. Which is wrong. Check the IP address!! Why didn't they ask for his ID?

5. I asked M1 to review all transcripts regarding the fraud and advise how I was at fault for their inferior controls. 
6. ACCOUNTS FROZEN. I asked M1 to put a freeze on all my accounts for 30 days. They advised it would automatically revert at 30 days. 
7. ACCOUNTS REMAIN FROZEN - It is now two weeks past the unfreeze date. I submitted an image of me holding my drivers license to prove my identity for the release. STILL NOT RELEASED. This is now an emergency situation.

Resolution requested : Return my stolen funds. Release my accounts so I can gain access! I am the wife of a XXXX XXXX XXXX  I will continue to pursue and will involve social medial, news stations, the VA and legal counsel. Let 's do the right thing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received a credit monitoring alert that a new Credit Card Account had been opened under my name from Fortiva. The same day an envelope came in the mail containing a Fortiva credit card. I never applied for this card, nor do I want it. I never applied or requested this card, and the only time Ive ever used this company was years ago for a XXXX payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: FL

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. 

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 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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc.
State: FL

Complaint narrative:
My XXXX account was hacked back n XXXX are XXXX phone was off a whole day no network then i received a notice on my account that it was a data breach but my info wasnt affected then i went to the bank one day to get my XXXX check on XX/XX/XXXX my check was gone .my statement stated the XXXX had been making withdrawals since XX/XX/XXXX XXXXThey then order XXXX XXXX on my account cause the receipt came to my phone ran my bill up to XXXX and said i owe it I trying calling takling to a supervisor but the phone reps will not put higher authority on the phone. They have damaged my life i was XXXX customer for 12 loyal years. They have even blocked the online account and reported me to debt collector ... by they way ve been hacked twice by this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: Great American Finance Co
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
A debt of {$770.00} from a Funding Company Was posted on My Credit Score XX/XX/23 That I Have No Knowledge of and now its closed out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was a victim of identity theft by a family member. I disputed a fraudulent credit card debt with Navy Federal Credit Union and all credit bureaus. I contacted Navy Federal on today XX/XX/2023. I was transferred to the credit card department I was asked for my social security number I explained to the rep in brief detail why I was calling. My main purpose was to ask why someone in their ( Navy Federal ) credit card department was fraudulently reporting erroneous payment data to XXXX, XXXX, and XXXX XXXX. I explained to them that they were in violation of the FRCA which is a serious violation. Navy Federal is not only reporting a fraudulent account but increasing the balance by small denominations. When I realized the account was on my credit I called and requested it be closed down this was in XXXX but yet Navy has reported the following data for the last 5 months as 30, 30, 30, 60, 90 days late. This is fraudulent. I did explain that they have an obligation to provide me with validation of debt. The representative I spoke with stated that her supervisor told her to tell me that they couldn't speak to me further because I was seeking legal action against them. But yet they have the audacity to try and intentionally harm my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
The checking account was a few months old. I deposited a check remotely via XXXX. 
It appeared on my account, then was placed on hold. I then received a notice a day or two later that my account was being closed. Upon inquiry they " suspected '' the check would not be paid.

Although the I could understand the longer wait ( even if it was unjustified ) for the funds to clear, there was no reason given for closing the account. I called customer service twice to discuss it, and no one could provide a reason, they just kept defaulting to why the check was being held in a pending state. Odd comments like " checks are dangerous '' were made. 

This created ridiculous stress both from not being able to use the funds, and not being able to know any reason for closing the account. I withdrew the funds before the upcoming closing date. I had actually been about to move all my other accounts to Wells Fargo as they have my mortgage, but instead I will be closing them. Extremely bad customer service.

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 2023-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I took out a couple of payday loans with Spotloan due to being in a pinch, I intended to pay them off but I was in several positions where I was terminated from my employment leading to being evicted and losing my car. 

I explained to them SEVERAL TIMES that I can not even pay XXXX XXXXXXXX dollars and that I am FLAT broke. I complained to the XXXX and ALL THEY could do was payments of {$85.00}. I simply TOLD ALL of them I CAN NOT PAY. 

They say that can not forgive the debt, however I have had other companies forgive my debts due to my situation and asked no questions. 

I have already provided them with documentation of hardship. 

Thank you for your attention and understanding towards this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have spent over 15 hours on the phone with Best Buy citi bank. They transferred me multiple times to different departments. My identity was stolen and card used to purchase items back in XXXX ( over XXXX worth of items from a XXXX ). I submitted paperwork showing that our entire neighborhood was targeted. They keep saying oh yes, these charges will be removed- it is clear fraud. It is never removed and continues to gain interest. There are notes in multiple of their systems explaining the issue. They just never get it fixed. I have had to call and be re-routed weeks and weeks later. I am at my wits end. This is wholly unacceptable.

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 monetary relief
Consumer complaint received 2023-07-19 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: FL

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.

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 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 2023-07-19 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:
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.

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 non-monetary relief
Consumer complaint received 2023-07-19 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: FL

Complaint narrative:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
During Covid my accounts were accessed and abused i noticed in XXXX that accounts were added to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief