vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( XXXX  XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( Capital one an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: ID Analytics, Inc.
State: PA

Complaint narrative:
It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( XXXX  XXXX an assignee pursuant to 15 USC 1691a ( XXXX ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
XXXX  XXXX XXXX  sold this debt to lvnv funding llc- they have been contacted by me and my power of attorney and they have not provided all the necessary documents that prove the validity of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/XXXX I received documents from Mohela stating that enclosed is the information that I requested. I previously filed a complaint XXXX and which I included documentation of my request to Mohela that was sent certified requesting a contract bearing my signature in wet ink. I first received documentation from them stating that I took a parent plus loan out showed my daughter school as the school I received a loan for. The date that my named was typed was XX/XX/XXXX. However I did apply but was denied on XX/XX/XXXX due to having adverse credit. So how can I have applied and type my name on XXXX XXXX if I was already denied on XX/XX/XXXX. I also a couple days later received another package with documents now stating that its my debt. As I read over the documentation that is still not a contract bearing my signature in wet ink where I agreed to pay a debt owned to Mohela. I read that some of section one may be completed for you. Because I was denied on XX/XX/XXXX for the Parent plus loan that they are trying to say I own but yet send me documentation with my name typed on XXXX XXXX someone other then myself filled that information for me. I have not giving anyone permission to type my name of fill out any form for me. A couple days after I received the first documentation from Mohela I received another package now saying that the debt belong to me. So I am now feeling like Mohela is pulling my Information from somewhere and sending documentation that are false. I still have yet to receive a contract which bears my signature to validate that I agree to pay a debt to Mohela. I received another corespondent on XX/XX/XXXX stating they have enclosed a Promissory Note that I signed on XX/XX/XXXX which again my name is typed. Anyone can type my name. 

Signature-a person name written in a distinctive way. 


Mohela have failed to provide me with the requested validation that I have requested a month ago. 
Mohela is in violation of 15 U.S.C 1692q. 
15 U.S.C 1692j ( a ) ( b ) 15 U.S.C 1692d 15 U.S.C 1692e Mohela keep sending all these correspondences but yet have sent anything that validating the debt. As a consumer I have rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Well it started in XXXX of XXXX, my chime credit card ( secured card ) or so I thought. XXXX charged {$9800.00}. I immediately called Chime and reported the charge and while I was on the phone with the rep. Someone tried to charge my card another {$450.00}. I told the agent this while I was on the phone. She canceled my card and ordered me a new oneClaim gets denied by Chime because they said no errors where found even tho I wasnt in possession of my card at the time of charges. Fast forward to XX/XX/XXXX, I wake up to my checking account being negative {$590.00} immediately report the charges to chime and reported my card stolen not in possession of card. Claim gets denied. So even tho I reported the charges as soon as they happened why is it my fault that someone stole my cards and used them and now Im being punished by chime bank because I was the victim of identity theft. I just want the charges removed from my accounts!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC
State: MS

Complaint narrative:
I got a small loan from money messiah it was less than a {$1000.00} over the course of the loan the lender got over {$2500.00} directly taken out of my checking account. I request that this lender be investigated due the constant harassment of clients and sending customers to collection agencies when they have collected more than 2000 % of what they have already lend to the customer. The company is engaging in predatory lending habits to the customer. I request that XXXX XXXX be investigated due to the lending terms are predatory to anyone and also any collection agency that it sends to the collection agency to ruin a customer when they have received more than 2000 % percent back in payment. They have engaged in constantly debiting an account without the customers consent and refuse to return the customers money back as they have been informed on more than 50 occasions. I now have a company by the name of Midwest Fiedlity Services that is now apart of this predatory lending institution system trying to ruin customers who have paid more than 2000 % percent back to the lender. I am requesting immediate investigation into Midwest Fidelity Services and also XXXX  XXXX for predatory lending and abuse of the Fair Credit Lending Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Car vision Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
On XX/XX/2022 I paid my auto loan with Santander USA at XXXX pm XXXX. On Monday XX/XX/2022 I received alerts that my account was reported as 30 days past due to credit bureaus XXXX and XXXX. Upon calling Santander, they stated that they reported the payments as late because the payment was made at XXXX pm ( not stated if it was PST or CST ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). Santander is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their executive office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my 30 day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
1. Experian is reporting Personal information name and address reported wrong.

2. Experian has another name that's not my name XXXX XXXX not me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
1. XXXX is reporting Personal information name and address reported wrong. 
2. XXXX has another name that's not my name XXXX XXXX not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: NY

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Both XXXX and XXXX have incorrectly verified that the collections requested from Sunrise Credit Service during the dispute process, however I am the victim of identify theft and did not set up, nor had any knowledge of the XXXX XXXX XXXX account in question until it appeared on my credit report. I received the XXXX dispute results on Friday, XX/XX/22 and the XXXX dispute results on Monday, XX/XX/22. 

XXXX correctly removed the fraudulent address associated with the account and yet still verified the collections information as accurate. 

I spoke to Sunrise Credit Services for the second time on XXXX, XX/XX/22 and an investigation is underway. The first time I called them they directed me to XXXX XXXX XXXX and given that their call volume is too high, I submitted a form online to look into the fraudulent account. 

I continue to be disappointed with how easy it is for someone to steal your identify, and how difficult it is to rectify a situation. I have fraud alerts and security freezes set up, yet continue to deal with information that was available previously. 

Thank you for your consideration. I sincerely hope that you can help resolve this issue and work with the credit bureaus to improve how they do business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX  takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: DriveTime
State: PA

Complaint narrative:
It has come to my attention that DT CREDIT has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT CREDIT Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that DT CREDIT takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FM Home Loans, LLC
State: NY

Complaint narrative:
I was recommended FM HOME LOANS by a friend. FM appointed him a gentleman by the name of XXXX XXXX who was amazing ). XXXX was taking care of my loan needs. All was going well for the first two months. For some reason. We were told that XXXX was no longer working for FM..FM told us that theyre going to appoint a new agent to me by the name of XXXX XXXX. It took XXXX two weeks before she notified us that she was our new agentXXXX decided to go away for two more weeks to Florida we are already three months in the hole to try to do a closing for refinance. By the time XXXX caught up to all the paperwork in our files we are now four months in the hole to try to do a refinance with XXXX help. XXXX asked us to give her a {$500.00} check deposit that was needed for the paperwork. XXXX assured us that if the paperwork dont go through that I would get back the {$500.00} back. I felt that XXXX was not being truthful in her ways of conducting business and I felt that I was being treated unjustly because of my race. The closing never happened since XXXX didn't file all the paperwork in a timely matter and we lost the rate that XXXX had first given us we were never reimbursed for the {$500.00} and never even got an apology from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14 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: NC

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

Company response to consumer: Closed with explanation