vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INACCURATE ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CAXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA 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 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
Received letter dated XX/XX/2023 from Amsher Collection Services stating that I owe XXXX {$500.00} and also received an email from this same Company XX/XX/2023 Amsher has an address listed for me in XXXX Kentucky and I have never lived in Kentucky I was born and raised in Michigan. XXXX has confirmed with me that I do not owe this amount to them and has never sent anything to collections in my name I have never heard back from this agency if this information was removed from their files. Another reason why this debt is not mine is that I do not spell my name the traditional way it is spelled XXXX NOT 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 2023-06-05 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:
Dear Sir or Madam : I am writing to dispute fraudulent charges on my account for the account numbers, amounts and dates listed. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Enclosed is a copy of my FTC Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, COMPANY ACCOUNT NUMBER AMOUNT DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2023, I had contacted Affirm regarding a purchase made and financed through them. I am able to see that each payment has been made and the amount, however there is no option for a monthly statement or any kind of breakdown or analysis on principal and interest of each payment. 

As an XXXX XXXX XXXX XXXX XXXX, I keep detailed personal financial records for budgeting purposes. While i may have the wherewithal to come within a reasonable estimate for my purposes, the fact that they can not and will not provide this information to consumers is unacceptable. The lack of transparency, through my point of view, is a predatory practice which unequivocally affects the less educated consumer, who would have no clue how much they are truly paying in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
The company repossessed vehicle in XXXX after they refused to honor my valid vehicle warranty for a failed engine. I tried talking with them several times to negotiate vehicle loan obligations due to the engine failure in less than a year of purchase if I replaced the engine myself. They declined all offers, turned the vehicle off so I couldn't even start it to get a second diagnosis on it. 

They sent notice that they wrote the debt off {$4500.00} in XXXX. But contrary Now they are trying to garnish my wages 8 years later. This is so unfair. They claimed they got against judgement on me in XX/XX/XXXX, which I never knew about, nor has it ever even been on any of my credit reports. This is unjust and just wrong. Now they've boosted the debt to over {$7000.00}. I'm XXXX any only work part time just to be able to feed myself. This is crazy. Please help.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX I XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: NCB Management Services Inc.
State: AL

Complaint narrative:
I am a victim of identity theft and this creditor Santander ( NCB MANAGEMENT SERVICES ) is reporting inaccurate information on my credit report and refuse to remove this account off of my report. I have sent in all of the documentation such as the ftc report and police report to solidity the information they needed the amount was XXXX but now they are still reporting almost XXXX Dates are XXXX they claim till now XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have made numerous complaints against Transunion and XXXX and have demanded compensation and my complaints continue to get ignored. The CFPB isn't holding Transunion or XXXX liable for damaging my credit report for failure to verify and delete an account for inaccurate information.On XX/XX/2023 Transunion removed the XXXX account because XXXX wasn't able to validate this account and because of the inaccuracies and the continued reaging of this account. I'm entitled to {$1000.00} per violation and reinstatement of an account is a serious violation. Transunion has been violating my rights for XXXX months as verifiable by multiple complaints and disputes that have been ignored. There have been a minimum of XXXX violations per month as the pictures uploaded will prove. Transunion needs to be held accountable and needs to pay me {$4000.00} per month times XXXX  months and not be allowed to submit a computer generated response. Transunion has a history of repeating the same generic response and XXXX isn't able to validate or verify this account as demonstrated by the last complaint but they continue to lie and negatively affect my credit. My credit dropped XXXX points because of the fraudulently behavior caused by XXXX and Transunion.

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 2023-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
Today is XX/XX/XXXX this past weekend we received a letter that we were behind on our mortgage. When we looked at our bank statement it showed that we paid the mortgage on XX/XX/XXXX. I looked to see if there had been an issue and the funds returned. I call Carrington Mortgage today. They informed me that they refused, REFUSED my XXXX payment, and let me know that my XXXX mortgage payment was being refused as well. They sent no notice of refusal. I have no notice of how to pay from them. We had had a problem in XXXX and XXXX with our payment being NSF. We were proactive and contacted the company. Is it legal for a company to refuse money without informing the person paying? Is it legal to change payment without contacting the person paying? We had no idea that they would or had done this and did not find out until it was too late. They now have charged us late fees for money that was refused by them. I repeat they refused the auto payment the funds were in our account for XXXX and XXXX without informing us. I have had my mortgage since XXXX and have zero issues. I called my bank because I could not see that the payment was returned. I could not see it because it was returned to us 20 days later, almost a month on XX/XX/XXXX. They have now refused our XXXX payment, which means more late fees. It is a known practice to hold money to put people in precarious positions and force foreclosure. If I had been notified of a new payment method. Not as part of a NSF or my monthly statement, but clear notice of a change we would not be late. This is underhanded and unethical behavior by this company. People should be asked if they want to change their mortgage company. When I look online, I see that this company is well known for being shady. I am a veteran, a mother of XXXX, and a XXXX woman. I will not be quiet about this nefarious behavior. Are there laws about how long they can hold my money, or if they must inform the consumer of significant changes to their account. I recorded all my conversations with them. They stated that they do not send out a notice, they wait for the consumer to find out. That means it is a company practice to be underhanded and force people into late payments and fees. We only learned about all of this weekend. I called them twice today. They could not tell me when my XXXX payment would be returned. My bank, XXXX, told me that it is not normal for payment to be returned by check, and that if they can take electronic payments they can return them that way but choose to return good payments in the slowest way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have been a member of Chime ; The XXXX XXXX  for over 10 years. On XX/XX/2022 Chime sent me an email stating they were closing my savings account. Later noticed my checking and credit card accounts were closed also. They stated I would receive a paper check in mail in 30 business days. Rent is due XXXX XXXX and I had JUST got paid. I am at risk of being homeless with my XXXX kids; didn't have no money to feed them and my utilities are pending disconnection. This has been VERY inconvenient ; did not provide any other option for disbursement of remaining funds. And credit score has decreased dramatically. I do not have an exact or specific reason as to why. Upon attempting to resolve with them they KEEP sending robotic emails saying same thing. Strongly believe I'm being discriminated against

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

Complaint narrative:
This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for the " XXXX XXXX XXXX '' with Chase Bank and was approved on XX/XX/23. I was advertised a promotional offer of XXXX bonus miles and XXXX XXXX XXXX XXXX upon spending {$5000.00} within XXXX months of opening the account. I received this offer via postal mail and online through my XXXX XXXX. I do not keep mail, but I was able to retain a printout of the online offer. 

Before I was approved for the card, I noted that the XXXX XXXX XXXX XXXX were not in the documents sent to me after I submitted my application. I promptly contacted Chase customer service through XXXX ( @ Chase ) on XX/XX/23 alerting them to this. At XXXX XXXX Chase responded with this message : " Good morning! Thank you for applying on our XXXX XXXX XXXX XXXX. I understand that you'd like to take advantage of the new account bonus offer where you can earn XXXX bonus miles and XXXXXXXX XXXX after spending {$5000.00} in XXXX months. Please provide your full name and zip code, so I can look into this and point you in the right direction. ^VP '' After a few hours, I had received notification of credit approval, but no mention of the XXXXXXXX XXXX  confirmed by the agent in the message above. 

I wrote back promptly asking them to rectify this. I was told it would take a few days for a " marketing team '' to consider my question. This was despite the fact that they already confirmed that was the offer I wanted. 

The following day, the marketing team responded and said that I was eligible for the offer but would only apply it if I would take a photo of a physical piece of mail that confirmed it. I informed them that I did not have the physical mail anymore, but I had screenshots of the website that confirmed the offer. And, the prior agent confirmed that I was eligible. They told me they would take another few days to consider. 

Chase now says that they will not honor that offer without me producing a physical piece of mail despite other, sufficient documentation that the offer was indeed what I applied for. In my opinion, this constitutes false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: The Receivable Management Services LLC
State: VA

Complaint narrative:
I have contacted these companies multiple occasions. As told by my realtor, this is making it very difficult for me to purchase a home for my children. These companies are in direct violation and I am seeking legal action. 

15 U.S. 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 that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAl Cubiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates.
I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. 

NO CONSENT IS IDENTITY THEFT. 

As a consumer I amdemanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX Reciecables Management Services LLC

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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclays promised XXXXXXXX XXXX XXXX  so I applied in late XXXX receiving the application on a FRONTIER flight. They awarded me an XXXX XXXX XXXX but did not give me the free miles. I have the XXXX XXXX but wanted a Frontier airlines card. I applied to Frontier again on a subsequent Frontier flight and this time was awarded the Frontier card. ( I travel to OHIO to visit my XXXX XXXX XXXX mom XXXX times a year ) They again promised the XXXX miles but never gave it to me. XXXX. ) XXXX XXXX The first card said it was because I did the pay the yearly fee. I tried to pay the yearly fee but they waived the fee so I was unable to pay it. I tried the contact them on several occasions from late XXXX until now. XXXX. ) FRONTIER CARD. In the meantime, the Frontier card came in the mail. I followed the instructions as told to me, but did not get the miles. Both times I was promised XXXX free miles ( value of {$600.00} for each airline ) and told I had to perform the following to get it. I had to XXXX. Pay the Yearly fee and B. Use the card in the first XXXX  days. Both of those things I attempted to do for XXXX and did do for Frontier. 
In XXXX of XXXX, I contacted my attorney at XXXX XXXX ( XXXX ) and he sent them a letter. In response to the letter, they set up a power of attorney. I never asked for that. Now I don't even get my statements. They go to XXXX XXXX which is my legal shield attorney. He sugessted that I contact you. Please help me. 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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE, ALLY FINANCIAL, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ACCEPTANCE 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 explanation
Consumer complaint received 2023-06-05 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:
There's an account that has me as an authorized user that has to be removed immediately. there is also a fraud account from global lending services that is still reporting even after 'I 've sent in all proper documentation because this account was created due to identity theft/fraud. PER 15 USC 1681B I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS INVVALID INFORMATION AND THEREFORE IT MUST BE REMMOVED. I AM NOT ADMITTING OWNERSHIP TO AN ACCOUNT THAT IS NOT MINE. I WILL BE FORCED TO TAL=KE LEGAL ACTION IF THIS MATTER ISNT RESOLVED IMMEDIETLY.

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 2023-06-05 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:
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : 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 non-monetary relief