vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Auto Loans, Inc.
State: MN

Complaint narrative:
My wages was garnished by a company called Security auto loan first back in XXXX  I contracted the company on the behalf of the garnishment at that time I was informed that they have no record of me or an account showing I owe a balance. I checked my credit report and disputed the item and the item was removed per company could not provide documentation proving that I am the debt owner. As I check report the the debt is in a different name. I continued to contact company from XXXX in regards to the funds stolen from my wages as I am a single mother of XXXX that can not afford to have a mixup like this. The company provided no help in getting me my funds back. As I contacted my payroll department they informed me that XXXXXXXX XXXX XXXXXXXX is who I need to speak to. I have never heard of this company I have tried to contact the company but no XXXX they just was trying to get my personal information which also put up a red flag. So now that the item was removed from my report per lack of proof and also never receiving any documentation advising of the garnishment I have tried to contact different agencies to help with the fraud this company is doing. Recently my wages was garnished again by the same company after 4 yrs and I tried to contact security auto loan again but now the company no longer exist I am connected with another company which again I am informed that they have no record of me having an account nor owing any funds. I have requested proof of debt owing from company which does not provide proof of my address only but actual proof of me being the debtor which they could not provide. Security auto loan are no longer on my credit report but I was informed that there is a judgment which is not in my name but attached to my SSN. Security auto loan removed there inquiring in XXXX  which is when the garnishment first started but some way XXXXXXXX XXXX XXXXXXXX is collecting on an account that does not belong to me and refuse to provide proof. I have requested for this to stop per I have never received any legal court documents from XXXXXXXX XXXX XXXXXXXX. I was only aware of this issue per the garnishment and my payroll department informing me of the company requesting and taking my funds.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-06 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: OK

Complaint narrative:
I have submitted several disputes regarding the below inquires. I have reported to XXXX, Experian and XXXX that I have no knowledge of these inquires and need them removed ASAP but this hasn't been done. I have also mailed several letters and have reported to the Oklahoma Attorney General office that these need removed. I have no idea why these hard inquires on my credit report! I need these removed ASAP per the law. 

XXXX XXXX XXXX XX/XX/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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/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 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

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 2022-02-06 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: FL

Complaint narrative:
I recently just took a look at my credit report and I see some items on there that I do not recognize.

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 2022-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
First off, I have been dealing with XXXX for a while now. They unlawfully received a list of medical procedures and tests that I had done from XXXX XXXX XXXX and filed that within the court system, making those public records. They then tried to garnish money from my bank account. My bank account has my husband 's VA money and my student loan funds in it. Of course, there wasn't any money in the account due to us living paycheck to paycheck and paying our bills. The attorney actually accused me of moving money when I went to court on XX/XX/2022. Next, I call XXXX who is the XXXX of operations at XXXX and leave him a voicemail stating that I am willing to make payment arrangements. A few days later, instead of a call back, I get another garnishment from one of my places of employment. I do not even make {$500.00} in a paycheck and they are trying to garnish my wages. I have read many complaints against this company that state that they do not allow people to make payment arrangements and when they do, you need to keep track of your payments because they will say they never received them. I have never felt so humiliated by a company before. They have probably spent more in attorney 's fees than what I owe. They never call me back. They never mail me anything when I asked for items in writing. They never even sent me information before they started court proceedings that I owed 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 2022-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
In XX/XX/2021, when reviewing mine and my husband 's checking account, I saw a {$250.00} check that wasn't ours, deducted from our account. The check contained another person, their address in FL and the writing was completely different than either my husband or my hand writing. 
In XXXX, when my husband notified USAA of the error, they initially said they would look into the issue and refund us the {$250.00}. After a few weeks, they stated that yes, the check was from another USAA member and was not from our account, however, they would not refund us the money since they stated it was past the time to report errors. ( The check was written XXXX XX/XX/2021. ) Twice my husband has called USAA to request they fix the error, and they admitted both times, it was their error, however, they stated too much time had passed and they will not give us our money back. 
This has been very scary since our bank has admitted to making a mistake but will not rectify the problem. And our account isn't new, we have been banking ( checking and savings accounts ) with USAA for over 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: SC

Complaint narrative:
Based on 15 US 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 resulted from an alleged identity theft, nor later than XXXX business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 us code 1681 b Permissible Purpose 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. ( XXXX ) 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. NO CONSENT IS IDENTITY THEFT. as a consumer i am demanding the deletion of these accounts from my consumer report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: OK

Complaint narrative:
I have submitted several disputes regarding the below inquires. I have reported to XXXX, XXXX and Transunion that I have no knowledge of these inquires and need them removed ASAP but this hasn't been done. I have also mailed several letters and have reported to the Oklahoma Attorney General office that these need removed. I have no idea why these hard inquires on my credit report! I need these removed ASAP per the law. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FOR XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-02-06 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: OK

Complaint narrative:
I have submitted several disputes regarding the below inquires. I have reported to Equifax, XXXX and XXXX that I have no knowledge of these inquires and need them removed ASAP but this hasn't been done. I have also mailed several letters and have reported to the Oklahoma Attorney General office that these need removed. I have no idea why these hard inquires on my credit report! I need these removed ASAP per the law. 

Equifax 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: SC

Complaint narrative:
Based on 15 US 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 resulted from an alleged identity theft, nor later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 us code 1681 b Permissible Purpose 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. NO CONSENT IS IDENTITY THEFT. as a consumer i am demanding the deletion of these accounts from my consumer report IMMEDIATELY.

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 2022-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for a Capital One credit card on XXXX and was approved. After being approved for the card, I was told by email that the card would arrive in approximately 3 business days. However, I received a different answer from every customer agent about the shipping time : 7-10 business days and 4-6 business days, both which are higher than the original 3 business days quoted in the email. The email gave false expectations for the delivery of the card. There are also no mentions of expedited shipping practices, which I have utilized with other card companies before and have heard that Capital One offers it for different credit cards. I spoke with a supervisor XXXX ( employee ID XXXX ) who was unable to disclose any reasonable cause for being unable to expedite shipping or show me the card number in advance, blaming issues on the " system '' and claimed that no one at Capital One would be able to resolve this issue or have access to the card or shipping details. 

Other credit card companies I have worked with in the past are able to process cards in a shorter time. If I had been aware of the shipping time when applying for this card, specifically whether or not they offer expedited shipping on new cards, I would not have applied for this card. As it stands, I have been locked into this offer which took a hard pull to all three credit bureaus such that closing this card will hurt my credit, meanwhile with no ability to use the card due to my time sensitive circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: NY

Complaint narrative:
I contacted TransUnion on XX/XX/2021 about 4 fraudulent bankruptcies that are showing on my credit report. Attached are the letters I send them with the certified mail receipts. I did my research about these fake bankruptcies and I found that there is a wait time between bankruptcy filings which means there is no way that these bankruptcies are mine. These serious errors are preventing me to get necessary financing. Chapter to Chapter Options Wait Time Between Bankruptcy Filings Chapter XXXX to another Chapter XXXX bankruptcy 8 years Chapter XXXX now filing for Chapter XXXX bankruptcy 4 years Chapter XXXXnow filing for Chapter XXXX bankruptcy 6 years ( or payment in full on Chapter XXXX repayment plan ) Chapter XXXX to another Chapter XXXX bankruptcy 2 years.

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 2022-02-06 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: NY

Complaint narrative:
I contacted Experian on XX/XX/2021 about 4 fraudulent bankruptcies that are showing on my credit report. Attached are the letters I send them with the certified mail receipts. I did my research about these fake bankruptcies and I found that there is a wait time between bankruptcy filings which means there is no way that these bankruptcies are mine. These serious errors are preventing me to get necessary financing. 

Chapter to Chapter Options Wait Time Between Bankruptcy Filings Chapter XXXX to another Chapter XXXX bankruptcy 8 years Chapter XXXX now filing for Chapter XXXX bankruptcy 4 years Chapter XXXX now filing for Chapter XXXX bankruptcy 6 years ( or payment in full on Chapter XXXX repayment plan ) Chapter XXXX to another Chapter XXXX bankruptcy 2 years

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 2022-02-06 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: CA

Complaint narrative:
XXXX and Transunion credit scores dropped by XXXX points. Noticed they said I have a serious delinquency. On further digging I found that this was due to XXXX XXXX XXXX where I had a HELOC that I paid off and closed in XX/XX/XXXX. The HELOC was reported closed in XXXX and XX/XX/XXXX, but is now showing for the rest of XXXX that I was 30/60/90/120/150/180 days late. I have complained to XXXX  via XXXX. I have also filed disputes with XXXX and Transunion. It appears that XXXX, a XXXX startup, has not exercised proper care in compliance and has a software or procedural error. It also appears that XXXX and Transunion do not have the sophistication to see that a closed account can not suddenly be reported delinquent. XXXX  does not seem to have this issue. This is ruinous to me because I was about to buy a car out of my lease. I need this car to have the ability to go to work. My lease expires in 4 weeks and if I do not get a car loan I will have to pay a higher price for a different car, vs for the current leased car where I have a negotiated price from XXXX. Due to supply chain shortages the price of all cars have gone up.

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 2022-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: CT

Complaint narrative:
This company sold me on a mortgage modification. On XX/XX/20 I paid them {$1300.00} was my first full payment after giving them a {$500.00} deposit. Went on the FTC website and found out that it was illegal for them to take money from me until a mortgage was confirmed. I sent multiple emails providing FTC information and asked that money be returned. I left many phone calls and sent text messages to XXXX ( no last name ) and XXXX XXXX ( Billing ). Email messages sent to XXXX XXXX with many phone messages left with no return calls. My mortgage payment record has been perfect up to this date for the last 4 years and I informed them of this early on. They should be accountable for bringing my account current, including any penalties and late fees and report their negative business to the credit bureaus. I can produce copies of emails and text messages as well as proof of payment XXXX XXXX

Company response to consumer: Closed with explanation