vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I am writing to dispute the following information on my TransUnion consumer credit report : Four closed accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX / XXXX accounts ) Collections accounts from XXXX XXXX XXXX XXXX XXXX I believe that this information is being reported illegally in violation of the Fair Credit Reporting Act ( FCRA ). 
The FCRA defines a " consumer report '' as any written, oral, or other communication of information by a consumer reporting agency ( CRA ) bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
However, the FCRA excludes certain types of information from being considered consumer reports, including : Information solely as to transactions or experiences between the consumer and the person making the report.

The four closed accounts and the collections accounts from XXXX XXXX XXXX XXXX XXXX are all examples of transactions or experiences between me and the businesses that are reporting them. Therefore, this information should not be included in my credit report. 
I request that you remove the inaccurate and incomplete information from my credit report immediately. I also request that you investigate the source of the inaccurate information and take steps to prevent it from happening again. 
Please notify me within 30 days of the actions you have taken to resolve this dispute. Thank you for your time and attention to this matter.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wrote to XXXX, Equifax, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 


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 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
All this occurred on XX/XX/XXXX. I was in XXXX, Colorado. My new ATM card was always in my possession in my wallet. I was alerted by my daughter that {$5000.00} was deducted from her checking account by tele-transfer and deposited into my checking account. Our accounts are linked on line as she works for us and we transfer money to her. Then when we looked at our account and there were XXXX withdrawals of {$900.00} each and 11 withdrawals of {$500.00} each withdrawn from my account taken out all using XXXX cash which we understand is some kind of sports betting. All this was done with my ATM card which was in my possession. We were shocked this many transactions were allowed by Wells Fargo with no fraud alert. I had only used this new ATM once on XX/XX/XXXX when I withdrew {$1000.00}. I tried to get {$200.00} more out of several accounts and it did not allow it. Yet..someone that was not me was allowed to take {$10000.00} out in 17 transactions on one day with no alert given. The only transaction I made with this card was at a Wells Fargo ATM. So obviously there was some kind of skimmer on that machine. We are shocked we could have {$10000.00} over 17 transactions deducted from a our Wells Fargo account with no fraud alert or protection. Where is the protection when you put your money in a bank that is supposed to keep it safe? So far, no solution from Wells Fargo. Only one phone call in 5 days. Nothing else.

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 2023-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I tried to sign up for the REPAYE/SAVE plan with them. They denied my application stating that I needed to provide them with 3 years of income information. This is simply false, there is no reason I should verify my last 3 years of income with them. I have already provided them with proof and verification of my current income via my latest tax returns. 

I have tried calling them, which resulted in busy lines and a notice to try using their website to email them. Upon using their website I received an email saying " We're really busy, try calling us ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Foursight Holding LLC
State: GA

Complaint narrative:
I took the Bill of Exchange with the credits for my vehicle and endorsed it with instructions to remit payment via certified mail. If they had any issues I asked them to respond in writing. I got no response from them. I mailed them on three different dates and they didn't respond to either. Now they have repossessed my car. Silence is acquiesence and their none response holds them liable. When acquiring the loan for the vehicle we used a consumer credit transaction and by law no money should have been exchanged. They demanded a downpayment and I paid it. That is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Sallie mae consolidated loans at XXXX XXXX. Borrower paid timely at XXXX XXXX Navient became loan servicer of Salliemae loans and changed interest rate to XXXX XXXX  at an unknown date. XX/XX/23 telephone call Navient refuses to provide reasons why or how the loan terms changed without borrower approval. Borrower seeks to repay at XXXX XXXX per terms of sallie mae repayment consolidation. Navient refuses to provide copies Sallie mae documents or Navient loans of the terms of assignment of loan from Sallie mae to Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I want the company to remove the unauthorized inquiries in 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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I requested my FULL disclosure file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Advise Solutions Services LLC
State: PR

Complaint narrative:
Today, XX/XX/ I answered my cell phone from a XXXX. This person identified himself as XXXX XXXX from XXXX XXXX XXXX, stating that my credit score was going down and that she can provide solutions. I told her that I was not interested in their services, and she began harassing me. She ask for personal information to confirm my identity, I told her to please stop harassing and to remove my number from their call list. I do not know how they have my new phone number or how they know about my credit scores. I have check my credit reports after that incident, and my new number is not there on any of the three reports.She said that the company will keep calling every day. I cant imagine how a company still doing this after so many complaints. That is so unprofessional and disrespectful.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The payment for XX/XX/2020 was sent in through the mail. The payment was sent to XXXXXXXX XXXX in the amount of {$1500.00}. I sent it out on XX/XX/2020 and XXXXXXXX XXXX received it before the due date. They admitted that it took 3 days for them to process the payment. They put a late payment on my credit. I have verification following through the mail. 
It's not right that I have a late payment when My payment was not late.

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 2023-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield called my cell phone and I could not answer. I called them back to find out that they were collecting on a rental agreement for my son that I co-signed on. My son is responsible for paying that debt, so I wanted to know how much was due, how much he had paid already, and the last date of payment. I let them know that I will not be paying it, but I can guarantee they will be hearing from my son who is responsible for the debt. After this conversation, Hunter Warfield called me right back to try to set up payment arrangements again after I let them know that they would be hearing from my son to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Company is still reporting on my credit report and according to New York State this is illegal they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$7100.00}.

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 2023-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
1 ) In XXXX  I called Freedom Mortgage and asked them to remove my PMI because the equity in my home had grown so much. They specifically told me I did not have PMI insurance payments which was not true. My house is now worth over {$500000.00} and they are still charging me PMI after repeatedly asking for this to be removed. 
2 ) I questioned why my payments went up more than $ XXXX  monthly and they could not give me anything specific except " YOUR INSURANCE PREMIUM MUST HAVE WENT UP ''. i HAD NEVER HAD A CLAIM ON MY HOUSE. They forced me to allow them to manage my own money to pay my insurance from an escrow account. They said it was mandatory. They were in charge of making my payments to my Insurance companies, ( FLOOD, Homeonwers, & Taxes ) .It was all out of my hands and I would get letters from the tax office and insurance companies that my insurance was late, due etc... 
Earlier this year I got a letter that my flood insurance was canceled for nonpayment and that led me on an investigation that found Freedom Mortgage placed " FORCED FLOOD INSURANCE '' on me. I had also found and had proof that I had my own Flood and Homeowners insurance the whole time as well. I have provided them with proof of the cancelled checks for all the payments from the insurance agencies however they have refused to give me proper documentation or refund me for over {$6000.00} for the forced insurance that their company personally and finacially benefited from. STILL NOT ALLOWING ME TO PAY MY OWN BILLS SO I KNOW WHAT AND WHEN MY BILLS ARE PAID. I found all this out when I was going to sell my house and the new buyers wanted to know if my flood insurance would transfer-I ALSO LOST THE SELL OF THE HOME AT THE ASKING PRICE OVER THIS WHOLE ISSUE. I WANT COMPENSATED CORRECTLY FOR ALL OF MY LOSSES! THIS IS CRIMINAL WHAT THESE PEOPLE DID. I have been on hold for hours and reached out to them dozens of times and nothing, They have all the power and neglected my finances which I have very high regard for.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This information is incorrect and does not belong to me, I do not want it in my report. 
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 non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to express my disappointment with the inaccurate credit reporting done by Capital One Financial Corp. This reporting has severely damaged my financial situation. On XX/XX/2023, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Capital One Financial Corp, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Capital One Financial Corp has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Capital One Financial Corp immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Capital One Financial Corp does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: IL

Complaint narrative:
I recently received a letter from Credit Contract LLC.They are attempting and using abusive language to get me to pay their company {$1300.00}. 

I dont know this company or never did business with this company.This company doesnt have any proof or no signature of mine to validate this debt saying I owe them.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Several UN-authorized inquiries and accounts appeared on my credit report without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
This information is incorrect and does not belong to me, I do not want it in my report. 
XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
This information is incorrect and does not belong to me, I do not want it in my report. 
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 non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
This company contacts me several times a day and claims that they are allowed to call every day if they do not reach someone and also that they are allowed to call every three days after they speak to someone. I have asked them many times why they do not have to adhere to the Debt Collection rule and all they say is that their policy says they are allowed to do it and if I disagree I can have my lawyer contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for the Capital One Quicksilver Credit card on XX/XX/XXXX and was approved. 

Capital One Quicksilver credit card sign up page link - https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their sign up page states the following - New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 
Card offers with a rewards bonus are available by clicking the Apply Now button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. 

I applied for the card for this sign up bonus. 
I successfully spent the {$500.00} required to qualify for the {$200.00} sign up bonus but the bonus never showed in my account. 

I reached out to QuickCustomer Care on XX/XX/XXXX, Friday to inquire about the same. They told me that I did not qualify for the bonus because it was not on my account. I told them that this offer showed on my sign up page. They told me that My credit card account is not eligible for the bonus. The customer care rep cut the call on me when I insisted that I should qualify since its on the sign up page. 

I called again on XX/XX/XXXX, Friday to ask about the bonus. They told me the same thing. I asked them to escalate this to find why I was not being given the bonus even though I meet all the qualifying requirements for the bonus - the Quicksilver credit card was my first account with Capital one so I was a new card member and I had spent the qualifying amount of {$500.00} per the sign up page. They told me they would get back to me but there isnt much that would change since the offer did not show on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief