vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 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: MD

Complaint narrative:
I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : XXXX. 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 XXXXXXXX XXXX ( XXXX ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: TX

Complaint narrative:
XXXX XXXX XXXX account needs to be removed/deleted it was removed and deleted on all other credit bureas this needs to be investigated and removed if there is no response of updated from the company who filedthe collection not the collection agency.

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 2023-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SFMC L.P.
State: TX

Complaint narrative:
On XXXX I received my escrow statement from my mortgage company, Service First Mortgage, saying that there was a shortage in my escrow account of {$9100.00} and thus my monthly payment was going to increase to {$2900.00} from the original payment of {$1800.00}. When I contacted the company they said that the vast majority of the increase was due to an increase in school taxes. I contacted several other residents within my neighborhood and within my county and they said that they had no such increase. When I called the company back and spoke with a different person they said the same thing and insisted it was correct and no error had been made. They said that this was my current payment and that no assistance or extensions could be offered. This new payment is obviously an error or everybody else in the area would've had an increase to their school taxes as well and a similar jump in their mortgage payment. Without immediate correction I am going to default on my loan because this has made it unaffordable. I am going to try again to contact the company on Monday, but as it stands I am going to lose my house and destroy my credit. I do have the XXXX XXXX on the house and it was applied for when I bought the house in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Kay jewelers account threw comenity bank reported that my payment was 30 days late for XXXX and XXXX of XXXX  and my payments where made on time I have contacted the company and they have confirmed that payment was made on time. But have not done anything to correct this mistake on there behalf

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-03-12 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
According to XXXXXXXX XXXX XXXX XXXX, address XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, on XXXX XXXX I signed a lease electronically. This is false because I was incarcerated and they were told this when they reached out to my family to have me finish up my lease. I have that in email. This hit my credit last year for a total of XXXX. I reached out to them a few weeks ago about this, they acknowledge via email I was incarcerated and would not be coming to sign a lease, I had no access to my email to sign a lease nor do I go in person. I asked them to remove them as I did not do this, they told me no, this is a legally binding contract. I was not sent any form of paper stating I owed them any money, I was not personally reached out to saying I owed them via phone nor via email, as they have both, this was just simply placed on my credit. I never moved here, I never signed a lease here either, so theres no way I can owe them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX, I was approved for an amex gold card with no preset with so many different benefits, also paid an annual fee up front of {$250.00}. XX/XX/XXXX, they placed a preset limit on my account without notifying me to why, I called XX/XX/XXXX about this issue, spoke to six different representatives and they said I have to appeal the decision and give more information about myself. To my understanding, I got approved for a card with no preset and benefit that I paid annual fee for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2023, received Bank of America letter/notice that a credit card application was received in my name. The notice is dated XX/XX/2023. The reference number is XXXX. I contacted my local police department and I attempted to contact the banks fraud department ( it is closed on the weekend ).

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 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Yesterday I opened a piece of mail from American Express ( already a couple of days old ) and it was a letter stating that my application was being processed. I never applied for an American Express card so I called the fraud department and spoke with XXXX. They froze the application. The email on the application was not mine but instead was XXXX. I filed credit freezes with 5 major credit reporting companies and also filed an initial fraud alert. I looked at my credit report and it shows recent ( XXXX/XXXX/23 and XX/XX//23 ) inquiries using my phone number but an incorrect address of XXXX XXXX XXXX XXXX XXXX, WI XXXX. Aside from American Express, there were also non-commercial offer inquiries made by XXXX XXXX and XXXX. I contacted both and verified that there were no open accounts or open applications. 

I suspect that my information may have been leaked through accessing my account on SAM.gov. I received an email from them about a week ago indicating that someone had updated my profile posing as an employee with an email of XXXX. I logged in and checked my account and found no abnormalities, but it does contain sensitive information such as addresses, phone numbers, and SSN/EIN. I had two-factor authentication in place but I changed my logon credentials immediately anyway. On their website they had a message about an erroneous alert to multiple administrators regarding account updates. Still, it's odd to provide a XXXX email address in the email alert. I now plan to contact the Federal Service Desk to see if they can give me more details on what was accessed or changed in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Amortization schedule shows delayed payment.. I've been sending regular mail to Hyundai Motor Vehicle finance since XXXX!! 
Never ever a problem XXXX XXXX XXXX.. XXXX Hyundai XXXX XXXX XXXX XXXX XXXX ... no problems ever mailing to. 
Hyundai Motor vehicle Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX another new XXXX. no problem except for the Finance manager salivating excessive Greed when I refused warranties. 
While signing the contract. By the way my XXXX hyundai XXXX trade in.. XXXX up sidedown. Added on to my new Hyundai XXXXXXXX XXXX contract. Geez ... thx? 
3rd car purchase.. 
Never a problem... 

Enter XXXX... missing mails? Delayed payment credit applying to principal. 
Wasn't too concerned based on favorable Tenure since XXXX no alarm bells. 
Enter XXXX... 
Several more hiccups... numerous calls madr asking someone in the XXXX? Who doesn't disclose their Real Name about my missing or malfunctioning ..account credits. 

Enter XX/XX/XXXX payment mailed... 
Gone.. poof... now we're in XXXX XXXX 
And still no payment received. So I mail XX/XX/XXXX payment... 
And I file complaints online to uses and actually drove to XXXX post-office spoke w postmaster XXXX and XXXX XXXX.

XXXX XXXX  payment artives.arrives.. 3 days later XX/XX/XXXX miraculous appears! @! Yeah right? 
Wrong! 
So I send XX/XX/XXXX payment certified mail. 
Now I'm suspect of the receiver at XXXX XXXX XXXX XXXX XXXX XXXX. Well my payment arrives XX/XX/XXXX. At XXXXXXXX XXXX. Verified by XXXX manager at XXXX post office ( XXXX ) XXXX ... I also have copies of the certified Mail Receipts!! 
Hyundai doesn't apply credit to my account til XXXX XX/XX/XXXX!!!!! Wow. 
So now I went to XXXX XXXX XXXX where I have my checking account. 
We discover Hyundai Motor Finance a ACH method of cashing the check... there's no paper trail. It's cloaked accounting on a simple interest loan..wow.. new and improved? Safe n effective.. lol.. 
I send a paper check regular mail for a purpose! It establishes a paper trail ... hello.. Check N Balance? Right? A paper trail!!! not some phatonm digital easily manipulated ... cause after many many years of good business.. I see a dramatic difference recently with this " ACH '' gimmick of no accountability. I have the paperwork and managers of the usps to stand by my accusations of bank fraud! Breach of fiduciary relationship. Bank manipulation of a simple interest loan by AcH cloaked accounting ... thank-you Sincerely 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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been receiving several collection notices from companies that do not list an original creditor. I'm also receiving alerts from my subscription service through XXXX and XXXX that these " collections '' are only hitting the Experian CBR. The best I can tell these debts are 2018 and they are large amounts I do not recognize nor has any one previously contacted me about them. These written notices should be required to provide all pertinent information from day one. According to XXXX reviews, some of these companies are listed as fraudulent. They do not populate anywhere else. I have tried to reset password on Experian to dispute these items and it keeps telling me DOB and SSN are not a match. I've tried calling the toll free customer service line and it's limited options to who can speak to a live agent. Instead, I tried through XXXX to troubleshoot access, update information and initiate disputes but they sent me back to the call center on Friday. They have limited hours Mon- Fri XXXX XXXX which is a direct conflict with my work schedule. You also can not opt to speak with a live person! I certainly don't know the " trick '' or work around to get to a live agent. I can not miss work and continue to spin my wheels to get this resolved. These credit reporting agencies have too much power over our livelihoods! " Thanks for that information. Unfortunately, I am unable to locate an account with the information provided. Is it possible that we may have other details on file for you? Can you provide a screenshot of an email that we may have sent to you in the past? XXXX XXXX This is an example of the back and forth back and forth all day Friday!

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 2023-03-12 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-03-12 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: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
In accordance with the fair credit Reporting act, CREDIT ACCEPTANCE CORPORATION has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

89

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 2023-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, 2023, I received a statement for my mortgage for the upcoming XXXX XXXX 2023 payment, and it incorrectly reflects what I am supposed to owe. I have a fixed rate mortgage and there is NO ESCROW on my account. I have told the company about this and they have not properly fixed my account since they purchased it in XXXX. Even though I have paid them the proper amount exactly on time every month, for some reason this month they are charging me {$74.00} extra for " escrow '' fees which I don't have. At this point I feel as though I am getting harassed by attempts to get me to default on my loan. This company also doesn't allow me to submit for auto-payments which again feels like an attempt to get me to miss a payment. 

My fee due for XXXX should be the same as this past XXXX, XXXX, XXXX, XXXX, and XXXX. Its simple. 

Also, the statement says there is a negative {$890.00} in my Escrow Balance. I have no escrow so that should be {$0.00}. There has never been one. I pay my taxes independently and property insurance independently. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
i was scammed through a person on XXXX by the time i realized it. i tried to contact zelle and but it was on non office hours so i wanted until morning. i contacted XXXX XXXX and they said they werent able to get the funds back because it was through zelle. zelle is letting scammers get a way with it. we should be able to dispute this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: AL

Complaint narrative:
I have requested an investigation of some account reporting on my credit file but it's been almost a year and no evidence or communication that these accounts have ever been disputed for the credit reporting agency. I've sent in disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, really every month until this current month and year XX/XX/XXXX with no action on the CRA 's part to investigate.

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 2023-03-12 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have spoken to XXXXXXXX XXXX  Fraud Dept XXXX and they advised me case # XXXX for account # XXXX should not be reporting as late ( {$140.00} ) and the account is closed. 


XXXXaud Dept. XXXX  Phone # XXXX

Company response to consumer: Closed with explanation