vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. 

I checked to learn if my name was among those hacked in the Equifax hacking and learned that my information was among the records hacked. 

I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. 

Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. 

My correct name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX. XXXX Michigan XXXX. Any information contrary to my name and address is incorrect and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was scammed by a phone call on XXXX  @ XXXXXXXX XXXX by what I thought was a customer rep from Chase bank since my caller ID on my cell phone number was the identical number for Chase bank. The caller instructed me that a wire transfer was happening in real time from a female in Florida named XXXX XXXX who was attempting to fraudently wire transfer {$9.00} from my checking account with Chase. I was driving down the street when this call occurred doing an errand and then I was planning to go back to my XXXX shift as a school bus driver on duty at XXXX XXXX. i was in a frenazy mentally my min d racing at this sudden bad news. The caller then instructed me to initiate another wire transfer to a supposed new Chase routing number and account number by doing a reverse transaction and submitting it to the new account which I did. Afterwards I started thinking after I parked the car and thought this couldn't be right and I hung up the phone on the caller but it ended up being too late since I submitted the wire transfer. The caller called me back within a minute or two and asked me if i indeed submitted the transfer and at this point I finally started to realize that this could well be a scam and I hung up the phone again. I hurriedly called off my job that afternoon and drove to the nearest Chase bank branch in XXXX XXXX XXXX to report this incident and I was hoping that somehow they could stop this transaction to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX but it was too late I learned later through their bank website security messages. I haven't heard anything since now being 3 weeks apparently since I was tricked into doing this wire fraud they refuse to get my funds returned to my account. i had impending bill withdrawals the next morning from my account so I had to get an emergency credit card cash advance to deposit into my personal checking account so my debits wouldn't bounce. I'm writing this story to this site in the hopes somehow I can get my {$1500.00} back since i had read on internet similar stories where the bank did refund the customer 's money. Thanks for whatever help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
This is regarding my relation with American Express since XXXX, I started as a XXXX Member, and after some years they upgraded me to XXXX XXXX XXXX, their top-tier service. In XXXX, I was traveling in XXXX, and since the year before suffering a weird pain in my XXXX XXXX so I decided to put all my attention on my health, I got late in some payments, ( after almost XXXX years of being an exemplary client ), and they canceled the card. I paid all debts as soon as I got out of the Hospital ( I lost my XXXX XXXXXXXX XXXX XXXX and I am now XXXX ). So they now refuse to reactivate the card, but they gave me in the XXXX a XXXX  Card, the thing is I paid several XXXX dollars each year for more than a decade for the product, XXXX XXXX, and I really need their concierge service, most now due to my current health situation, I do not owe the company a dollar, but they do not even answer my requests, and I think that is wrong to tell me " I need to get an invitation again ''. This is not a request based on the show off of the card, but rather in the spirit of doing the right thing, a company can not invite a client to their top-tier service, charge him for a decade or more, and after that say, I need to be invited again. 

This is a matter of principle and values, and respect, so I am requesting your help before escalating the issue to The XXXX House. 

Thanks in advance, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Everest Receivable Services Inc.
State: NY

Complaint narrative:
This is a request for information for an alleged debt Everest Receivable is attempting to collect allegedly owed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Drive time aka Bridgecrest, on my credit report for XXXX, they keep updating it as repossessed every month making it look like I have a new repossession. On my XXXX credit report, they indicate that I had a high balance of XXXX in XXXX  which is in accurate.

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 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
This is a request for information for an alleged debt XXXX XXXX is attempting to collect allegedly owed to DNF Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: NY

Complaint narrative:
I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX Open/closed Closed Status Charge off Past due amount XXXX Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX Open/closed Closed Status Charge off Past due amount XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date ofinquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiryXXXX XXXX XXXX Date of inquiry 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 2023-02-06 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: IL

Complaint narrative:
I am writing to file a complaint regarding the results of my recent reinvestigation. Upon review of the report, I have found several inaccuracies in regards to my credit accounts.

In particular, the information listed below is not accurate and I would like a full description of the errors in accordance with 15 USC 1681i ( 7 ). 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Despite my request for correction, TransUnion LLC has failed to modify or delete the inaccurate information on my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( xi ). I have attached a copy of my consumer report as evidence.

I demand immediate correction of the inaccuracies listed above and full compliance with 15 USC 1681, 15 USC 1691, 15 USC 1692, and 15 USC 1681 ( m ).

Thank you for your prompt attention to this matter.

Sincerely,

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 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Ill start by naming an original Debtor, was a XXXX XXXX Bank XXXX. XXXX! It was their credit card that they added a bunch of nonsense fees too and then said in XX/XX/2020 they would not be able to help me pay them I didnt qualify for any fee waivers or covid relief and send it directly to MIDLAND CREDIT company and i am not sure if you ever heard of this company but they dont care who you are what you owe they called already XXXX times this morning and its before noon! Relentlessly! XXXX XXXX credit cards are loaded with illegal add ons and they know it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I have had XXXX personal loans with OneMain Financial the last loan was paid in full total loan was XXXX paid over XXXX in interest. 

After the passing of my Mom waiting on probate court and sale of her property I decided to return to OneMain for a another loan after receiving several invites via email and U.S. Mail. 

The OneMain store Manager was excellent I have been doing business with her branch for over 15 years. 

Unfortunately on XX/XX/2023 I was denied the loan unless I provide a car for collateral never required this in the last loan with same credit score? Additionally, my concern is they ran a hard credit check which I understand but gave my credit score another point deduction with no loan? Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: SC

Complaint narrative:
In accordance with the FCRA, this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: SC

Complaint narrative:
In accordance with the FCRA, this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I feel that these accounts are negatively affecting my credit report and costing me XXXXXXXX XXXX XXXX in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted 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 non-monetary relief
Consumer complaint received 2023-02-06 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 feel that these accounts are negatively affecting my credit report and costing me XXXX XXXX XXXX in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted 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 non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I just saw a article about the lawsuit against Wells Fargo. My first car had a loan through Wells Fargo and it too way longer than it was supposed to to pay off even though payments were made on time. I inherited that loan from my mother and stepfather in XXXX. I was still paying it even after graduating with my first degree in XXXX. Since then Ive moved from my parents home and I also had also legally changed my name in XXXX to to cut off all ties with my biological father and his family. I do not recall if I ever notified them of the name change.

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 2023-02-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried contacting Experian via phone at XXXX to speak with a live representative regarding an Auto financing company showing on my credit report. I don't even own a car or have I tried buying a car and never co-signed for anyone else to buy a car. I was not able to speak to anyone at the Experian credit bureau nor was given the option to do so because the telemated machine just takes over and if you don't select what it is offering you will be disconnected. I have spoken to a few representatives at Consumer Financial regarding this issue because they were the ones who gave me the phone numbers to all 3 credit bureaus to hopefully speak to someone about any items listed on my credit report and get this issue resolved. I was not able to speak with a live person and my issue still has not been solved. Consumer Financial informed me to visit this site and start a complaint.

Thank you

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
They closed my account in XX/XX/2022. Took over a month and filing report for them to issue funds. They assured funds were released but confirmed theres still a balance in my credit builder account and are now telling me XXXX not eligible for a refund. How am I not eligible to get my own money back? They have no court order on me and can not without my money. They refuse to help and have no real customer Service to give information.

Company response to consumer: Closed with explanation