vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 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: MI

Complaint narrative:
Account reporting to my credit report shows a change in the name of an Original Creditor. However, after some research i discovered that the name change occurred with a company that i have never had a contract or business with as they were not in business that year. XXXX XXXX who was formally known as XXXX XXXX is still in business and not XXXX " XXXX on XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted TransUnion several times regarding these accounts. I asked for a investigation on the accounts for them being misleading and inaccurate. They have failed to comply with FCRA regulations it has been more than 30 days these accounts need to be removed from my consumer report immediately. 

As the FCRA requires all information on a consumer report to be 100 % accurate are it must be deleted. All three credit reporting agencies must maintain the same information. So why are these inaccurate, misleading accounts reporting on my credit report. Who from TransUnion deemed them to be accurate and placed them on my report. An what representative did they speak with from the data furnisher to prove the accounts were 100 % accurate before they placed them on my consumer report. 

Please attach date, time, phone number and agent or representative in which TransUnion spoke to to verify these accounts as accurate before they reported them as so on my consumer file. 

Accounts in dispute. 

1. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Also under FDCPA 15 USC 1681i ( a ) ( 1.a ) All accounts that are disputed by a consumer must be immediately deleted from the consumer report until the investigation of said account is completed. 

As you can see in the attachments below XXXX have already removed these accounts. Therefore these accounts have to also be removed from TransUnion as the FCRA again requires all three reporting agencies to maintain the same information on a consumers 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 2021-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
We contacted Infiniti XX/XX/XXXX and asked them for options we had for the end of our lease. Our lease would end with our XX/XX/XXXX payment. We asked if we could complete all the payments and return the lease early. They said no even if we made all payments it would be as if we abandoned the car. We then called about paying it off and we were told we could not sell it to a third party but we will need to buy it ourselves and pay an additional XXXX in fees - only way it would be about XXXX to payoff not the XXXX as stated on payoff. We then asked about selling to XXXX  XXXX or another 3rd party- NO we were told and we would be in major trouble and have to get the car back if we did and have a lot of issues. When we started this lease in XX/XX/XXXX we were told we could sell it to a 3rd party or if we bout it it would be the payoff amount on the documents not some higher fee. Bate and switch!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WA

Complaint narrative:
I incurred a hospital debt for XXXX from XXXX XXXX XXXX XXXX. The date that this was incurred was XX/XX/XXXX. At that time I was under a financial grant from XXXX  to cover 95 % of my debt. About 6 months later I started receiving collection notices from americollect collection services. At the time I started receiving these notices I was unemployed due to covid so I had no money. In XXXX of XXXX I went back to work. I at that time contacted americollect to let them know about my grant so I could settle this debt. They told me I had to e-mail them a copy of my grant. So I went through the trouble of going to the hospital to get a copy of the grant then e-mailed it to them. I was told to call back in a couple of weeks so they could get it and log it. When I called back they are now trying to tell me that the date incurred was actually XXXX and would not be covered by the grant. This is not true. I did not have a hospital visit in XXXX. When I researched this debt with both XXXX and XXXX. The date listed as date of service is XX/XX/XXXX which is correct. So I should only owe Roughly {$30.00} of the XXXX they say I owe. I want to get this off my report but am not willing to pay them the XXXX when I don't owe it. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: QUALITY ACCEPTANCE LLC
State: VA

Complaint narrative:
I have provided my invoices as documentation and evidence of the type of practices I have experienced with the company, Quallity Acceptance. The explanations given about the practices did not make practical sense and I've had several attorneys and car dealerships to review the invoices to see if they could surmise what the company was doing with the extra payments that I was making on the loan ; none of them come explain or follow the process. If you look closely at the Account Activity - Overage/Shortage ( in the center of the invoice ) and the Due Dates ( at the top right ) ; this was alarming to me and I called three to four times for an explanation ; again their responses did not make practical sense in terms of how they applied my second payment each month. 

You will notice a change in the " contracted '' amount of {$470.00} ; it changed to {$540.00} and their explanation was that it is how they will " catch me up '' on the payments being applied to the account. I called and asked for an amortization schedule approximately 5 months ago and to date I have not received one ; this would have been the second I would have received. Also, how does a company automatically change the contracted amount on an installment loan without redoing a contract? 

My latest statement has a due date of XXXX, 2022 and the Overage/Shortage is now {$23.00} or so when it was showing as a negative amount upwards of {$300.00} or more which reflects the additional amounts I made monthly. As a consumer, I am quite upset with the answers and processes that I see occurring. 

I printed out all the documents and attached them to the complaint.. 
Thank you for any assistance that you can provide in this matter ; I really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reach Financial LLC
State: TX

Complaint narrative:
I am extremely stressed about this matter with Liberty Lending, as the consumer and natural person they are violating multiple federal laws. Congress says under 15 USC 1605 determination of a finance charge - the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. Truth and Lending says that the finance charge is the SUM OF ALL CHARGES, the charges i've been giving is significantly higher than the finance charge. XXXX XXXX, a representative from Liberty Lending also violated my rights as a consumer by contacting me after ignoring my cease and desist letter and failed to provide accurate information for the validation of this alleged debt. I, XXXX XXXX give permission to all parties involved to investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TN

Complaint narrative:
I WAS A VICTIM OF ID THEFT AND SOMEONE OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME. I NEVER BENEFITED NOR RECEIVED ANY GOODS OR SERVICES. I HAVE ASKED THE CREDIT BUREAUS TO PLEASE REMOVE THESE FRAUDULENT ACCOUNTS AND PROVIDE VERIFICATION AND DOCUMENTS WITH WET INK SIGNATURES, HOWEVER TRANSUNION, XXXX, XXXX KEEPS REPORTING THIS FRAUDULENT INFORMATION ON MY PROFILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I called PennyMac to look into a refinance. I was in luck! I was able to refinance from 3.75 to 2.625. All was good. 

I started the process with XXXX XXXX, XXXX. Filled out all initial paperwork and provided all requested documents. 

The issue began on Friday, XX/XX/2021. I was called by XXXX ( PennyMac ), and was asked to pay the {$100.00} fee to get the appraisal and everything started. I gladly provided him my debit card information, and he confirmed the {$100.00} transaction was completed and we were good to go. 

Saturday morning, I was informed by my Wife that we are missing our last {$100.00} in our account, and said I told her that PannyMac was only taking out {$100.00}.

Come to find out, PennyMac made 2 transactions into my account for {$100.00} each.

My account only had {$200.00} to begin with. I was to have {$100.00} left for gas for the week. They took everything I had. 

I emailed XXXX on Sunday as I knew all businesses were closed. I asked him to have it corrected ASAP. 

Today I am filing this complain on Wednesday, XX/XX/2021 as my money has not yet been returned, and my XXXX  XXXX children had to call into work last night as I was not able to pick them up after their shifts. My family is now incurring financial damages due to an error that obviously has no controls or protections around, nor any escalation or resolution procedures. 

As of now, I am sitting with {$1.00} in my bank account and my Wife may not be able to go to work tomorrow either. She is very upset and it is causing emotional distress for her and myself and my children. This has to be stopped so it can never happen to anyone again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/2021 I've purchased XXXXXXXX XXXX XXXX XXXX from XXXX for {$140.00}. On XX/XX/2021 my ordered finally arrived, but when I opened my package the order was wrong it was XXXX XXXX XXXX clothes. I contacted XXXX about the order issue the same day I received the package and they responded with " If you would provide photos of the items you did receive so we are able to share with our fulfilment team ". I sent my order number with the products I purchase and the products I received in the email, but after that no one have gotten back in contact with me. So XX/XX/2021 I reached out to the XXXX customer service once again asking them will the order ever get resolved sadly no one from the company reached out to me so I put in another order complaint through the website still no one reached out to me or fix the problem. On XX/XX/2021 I put in another complaint through the company 's website about bad customer service and my order. After having unsatisfied service I decided to just dispute my order through my bank account Chime while still contacting XXXX about my order. On XX/XX/2021 XXXX finally responded " We see that they have filed a charge back and unfortunately, at this point we are unable to process a refund or a replacement order. Please work with your bank for final resolution. '' On XX/XX/2021 Chime responded back to inform me " Based on there investigation no error occurred so this claim is considered closed ''. So I reached out to Chime Customer Service team over the phone and sent evidence of my wrong order issue through email as the employee told me to do. Then was transferred over to the dispute department to talk to someone. An automated response was email to me letting me know my written claims form has been received and being reviewed by the Dispute Team. XX/XX/2021 Chime responded once again saying the additional information I provided did not change the company 's decision and no error occurred. So on the same day XX/XX/2021 I reached out to Chime Customer Service again and the employee repeated the same solutions " send evidence " so I sent the same evidence as I did the last time hoping the issue gets resolved after having to keep repeating the same process over and over again. I've been waiting for a responded about my status so finally decided to give Chime another call. Sadly my claims didn't even have a status because the employee never sent over any paper work about my claims. So I asked for a manager and she told me the same thing " Send over evidence " so after getting the run around I asked the Chime Manager can I have corporate number but she refused stating Chime doesn't have a corporate number and no one over her can help me with the situation but her. THE SITUATION NEVER GOT SOLVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: MI

Complaint narrative:
I am a consumer of the United States Corporation. Fed Loan has violated my rights do to the FDCPA and the FCRA. I am the natural person therefore, i don't owe any alleged debt. Under the FCRA 15 usc 1681b - a consumer reporting agency can only furnish a consumer report with the WRITTEN permission of the consumer. This company has committed identity theft by furnishing this tho my consumer report. Also, in the FDCPA 15 usc 1692 ( g ) states that i am the original creditor. How can anyone try and collect a alleged debt if they are not the original creditor. I am demanding that you XXXX  out my balance. I dont owe any debt and i will not be paying an alleged debt. Therefore, i need you to stop reporting any alleged negative information to all consumer agencies and report positively on my consumer report every month with a XXXX balance. If you guys continue to do this i will pursue legal action. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/202.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am a consumer of the United States Corporation. Affirm Inc has violated my rights to the FDCPA and the FCRA. I am a natural person therefore, i don't owe any alleged debt. Under the FCRA 15 usc 1681b - a consumer reporting agency can only furnish a consumer report with the WRITTEN permission of the consumer. This company has committed identity theft by furnishing this to my consumer report. Also, in the FDCPA 15 usc 1692 ( g ) states that I am the original creditor. How can anyone try to collect an alleged debt if they are not the original creditor. I am demanding that you update those alleged payment. I need you to stop reporting any alleged negative information to all consumer agencies and report positively on my consumer report every month with a XXXX balance. If you guys continue to do this I will pursue legal action. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I, XXXX XXXX have received a hard inquiry after applying for a credit card with Apple Card/GS Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2021. CMRE FINANCIAL SERVICES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA CMRE FINANCIAL SERVICE has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I received an alert of an account on my consumer report and notice a collection from Convergent Outsourcing dated XXXX.According to my report, the account was opened XX/XX/2021 and i've never been notified of this. So I sent out a validation letter along with a cease and desist letter XX/XX/2021 certified with a delivery received slipped. A rep from Convergent by the name of XXXX XXXX called me about the account. He asked if i was the person at that address. I never verified my name with him or my social. The address he provided was not my address, never have been. He goes on to say he have the wrong number and hangs up. They sent a letter back with a bill they say i owe which i do not because ive never lived at the dwelling the have associated with the account and that's not my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately

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