vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: WA

Complaint narrative:
I bought the double door oven on XX/XX/2021 for {$2100.00} in XXXX XXXX store in XXXX Wa. They offered credit though American First Finance bank .When I was in store I didnt not received any contract on hand and they told me you will received by email. I did not received by email any contract and after 9 months of payments for {$350.00} so total amount that I paid already {$3200.00} I contacted American First Finance and asked why you charging my card if I already paid {$3200.00} they told me did you see contract I told I never received and my English is limited and I ask for translator but they told they dont have translator. Then they send me contract on XX/XX/2021 and it was the first time I saw contract on XX/XX/XXXX. I was surprised and really upset because I need to repay back not just XXXX but final amount will be {$8600.00} and I dont remember that I sigh anything electronically and if it was signed why I did not receive copy of contract in store.Why nobody explain in store that I need to repay in 100 days full amount plus early repayment fee. Why I did not receive contract in store when I can see all detail and I why when was asking for translator but never was provided. I need your help to solve this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 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: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
My Identity was stolen, and a person unknown to me opened an account with HSBC Bank. I have informed HSBC Bank, that I did not open the account, and the unpaid balance on the credit card, is not mine. However, they are not paying attention. They continue to report to the Credit agencies, that I owe them money. Hence, my credit score is severely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Please confirm the information shown in this collection account. The unverified account listed below is still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My husband and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on XXXX and Experian credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my husband from XXXX XXXX XXXX XXXX XXXX I told them I sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.

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 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Tesla, Inc.
State: CA

Complaint narrative:
I inquired about an auto loan from lender XXXX. They sent me an offer via email and docu sign documents. I never signed them and XXXX opened the auto loan without my consent. They say they sent XXXX a {$38000.00} check. I never received any funds and Tesla never credited my account with {$38000.00}. I am trying to get ahold of someone from Tesla who I financed through using XXXX XXXX. XXXX never should have opened an account and Tesla should have returned the money. Help!!! Unethical and Fraudulent companies are putting me on the hook for additional {$38000.00}. Please contact me XXXX XXXX at ( XXXX ) XXXX and 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 2021-10-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My wife and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on XXXX and Experian credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

My wife and I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my wife and me from XXXX XXXX XXXXXXXX XXXX XXXX. I told them we sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.

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 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Huntington offers a 24 hour grace to customers. Apparently, I am not privileged enough to receive 24 hour grace on my checking account like other Huntington customers. Huntington has stopped honoring the 24 hour grace that is allowed to other Huntington customers. I went to Huntington bank to ask why features offered on my account are no longer available. I was told they can not tell me why and they dont know why they are declining my transactions. I asked who they were and they said Huntington Bank. I asked if thats who I was talking to and the customer service rep did confirm that they and the person I was speaking with are part of the same group of they. I would apparently be accurate in stating that they are indeed Huntington Bank. So, Huntington Bank can not tell me why they are no longer honoring the 24 hour grace that other customers have on their accounts. I would like to know what criteria Huntington Bank uses to determine who they deny this feature to whenever they feel like it. When I went to the bank, the doors were locked and only allowing customers through drive through. When I call, I cant speak with a representative for 2 days. I have to schedule a phone call two days in advance. Huntington is also not posting deposits and holding on to them for someone elses benefit. I want to know if Huntington uses racial demographics to determine who and who isnt allowed to use the 24 hour grace feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I didn't get a chance to reply to the other complaint because it was closed out by cfpb whenever the company respond but I'm responding one last time I have filed numerous complaints against XXXX XXXX XXXX and CLEARLY we are not on the same page I am not talking about a refund about a warranty because I have already received that {$60.00} dollar check I AM TALKING ABOUT MY CREDIT REPORT AND MY CREDIT SCORE IT WAS NOTED AS CLOSED PAID ON SOME CREDIT BUREAUS AND CLOSED. WHY IS THAT I DONT KNOW WHY.. MY CREDIT SCORE DIDN'T GO UP BESIDES DROPPED I DONT KNOW BUT WHAT I DO KNOW I HAVE CONTACTED THE VICE PRESIDENT AND PRESIDENT AND LET THEM KNOW OF THE SITUATION AND WHAT I DO KNOW I WILL SEEK LEGAL ACTION IF THIS PROBLEM IS NOT FIXED. I KNOW IF ANYYYY ACCOUNT IS PAID IN FULL YOUR CREDIT SCORE WILL REFLECT WITHIN 30 DAYS IT HAS NOW BEEN 90 AND NO ADJUSTMENT SO WHAT I WILL TELL YOU IS I HAVE CONTACTED A LAWYER AND IT WILL NOT BE NO MORE COMPLAINTS FILED AGAINST XXXX OR THE OTHER CREDIT BUREAUS THE ONLY THING YOU WILL RECEIVE IS A LETTER SEEKING LEGAL ACTION IF THIS ISSUE IS NOT FIXED. You'll HAVE LIED ABOUT FIXING THIS ISSUE numerous times and by the way all of the consumers are having issues with XXXX I think it's time for a lawsuit AND IM DONE. NO MORE TALKING JUST ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CURO Intermediate Holdings
State: IN

Complaint narrative:
As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. AD ASTRA RECOVERY SERVICES Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and AD ASTRA RECOVERY SERVICES is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing consumer name private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name isXXXX XXXXn, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 168
1i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. SOUTHWEST CREDIT SYSTEMS Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and SOUTHWEST CREDIT SYSTEMS is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
More detailed information may be round in a prior complaint submitted to CFPB on XX/XX/XXXX, Complaint Number : XXXX. 

Multiple complaints were filed for multiple identity fraud credit accounts on my credit files. Most were resolved after I provided additional information, and they were received from two of my credit files. XXXX and XXXX removed several fraudulent accounts. Thank you for your help in making that happen. 

The one I am making this complaint about was not removed. Additionally, XXXX has not removed any of the fraudulent information. 

The collection that remains is from : NCA National Credit Adjusters , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX They sent me some credit card statements that are addressed to an address in Florida where I briefly lived in XXXX. There is only one statement with activity dated XXXX XXXX. It is scheduled to be removed from my report on XX/XX/XXXX which suggests the first default was XXXX XXXX. These dates are in line with all of the other identity fraud accounts removed. They ranged from XXXX. This is the same time as the XXXX Data Breach in XX/XX/XXXX. My investigation has confirmed that the IP Address of the person opening this account was located in Kansas in XXXX, and northeast Florida in XXXX. Two places I have never been. 

I requested from NCA multiple times a signed cardmember agreement for this account, I received no response. I am compiling all the evidence, including police reports I made on multiple accounts in XXXX, totaling seven fraudulent accounts that were removed from my credit files. Some of these were re-sold and were again placed on my credit files and removed again in XXXX. Welcome to round three. 

I find it interesting that both XXXX and XXXX have found the other accounts fraudulent and removed them and XXXX found those same accounts to be validated. Maybe another round of modifications to the e-OSCAR system is in order, or better yet, maybe the CRA 's should be required to actually investigate fraudulent charges before they do incalculable damage to an individual. Just a thought. 

Please help me with getting an actual verification of this debt so that I may have it investigated by law enforcement. Or, please help me get it removed from my credit files. Please also advise me what I should do about XXXX validating what the preponderance of evidence verifies are fraudulently opened accounts as a result of identity theft. I have requested in writing a copy of the XXXX e-OSCAR results and lists of the three-digit codes for all accounts that are fraudulent and I have disputed that they allegedly validated, in accordance with section 611 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 I got charge for {$150.00} through Bank of America, from XXXX New York. I have no clue about that charge.

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