vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On 07/09/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on 07/09/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2021 I receive an item of mail from Chime Bank. In it, there was a debit card for a newly opened bank account. I am not currently a member of Chime Bank, have never had an account with Chime Bank, nor do I wish to ever have an account with Chime Bank. I have contacted Chime Bank a number of times ( still have all the emails ) reporting the account as fraudulent and asking them to close the account. They are continuing to request a picture of a photo ID and the last 4 of my SSN. I know the information they have that is accurate on the account is my name and address since the debit card was mailed to me, but am not aware of any other information 's accuracy and I do not wish to provide them any more accurate information.

I have file a police report since 2 other banks had account opened in my name that I did not open. I called them to report as fraudulent and they investigated and closed the accounts. Chime does not have a phone number for a fraud department so they want me to email those items to them. I instead emailed the police report and apparently that is not acceptable. 

Now on Tuesday XX/XX/2021 a check from Chime Bank was mailed to me for {$87.00} that I refuse to cash because that's not my money and illegal in my mind. I don't understand why it is so difficult to have this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Fifth Third Bank - In Fall of 2020 I gave {$50000.00} from an IRA to bank and instructed bank to put it in a callable CD ( I already had similar investments ). Instead, it was invested into something called XXXX XXXX XXXX XXXX against my wishes and direction. It was very clear as I had even had an argument with the lady when she suggested investing into anything other than CDs. I have since withdrawn the funds. I understand that XXXX XXXX XXXX XXXX are not secured by FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I XXXX XXXX On XXXX XXXX noticed on my credit report from XXXX  and XXXX  that there were unauthorized credit inquiries with this company ( COAF ) This company on XXXX XXXX did not have permissible purpose, my written authorization to run my Social Security Number to establish credit, with their company they ran my credit 3 times on this day creating 3 different inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Sezzle Inc.
State: CA

Complaint narrative:
XXXX is not properly investigating my disputes. These companies Sezzle and XXXX credit services are reporting false information during the pandemic when I have consumer protection by law. These accounts were unauthorized and I never received the items.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: OH

Complaint narrative:
I'VE CALLED TO FIND OUT WHO WAS USING MY SOCIAL SECURITY TO TRY AND GET CREDIT AND i COULD NOT GET ANYWHERE, SO I REQUESTED PROOF OF THESE INQUIRIES SO THAT I COULD FIND OUT IF IT WAS A FAMILY MEMBER OR SOMEONE I KNOW. 

I CONTACTED THE PLACES OF THE ACCOUNT AND THEY WERE REMOVED BUT I WAS TOLD THE BUERAU HAD TO REMOVE THE INQUIRIES, BUT THEY HAVE BEEN REFUSUING TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I'VE CALLED TO FIND OUT WHO WAS USING MY SOCIAL SECURITY TO TRY AND GET CREDIT AND i COULD NOT GET ANYWHERE, SO I REQUESTED PROOF OF THESE INQUIRIES SO THAT I COULD FIND OUT IF IT WAS A FAMILY MEMBER OR SOMEONE I KNOW. 

I CONTACTED THE PLACES OF THE ACCOUNT AND THEY WERE REMOVED BUT I WAS TOLD THE BUERAU HAD TO REMOVE THE INQUIRIES, BUT THEY HAVE BEEN REFUSUING TO DO SO.

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 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sold my XXXX XXXX to an individual for {$1600.00}. While I submitted the Transfer of Liability to the DMV immediately after the sale, the new owner did not. The name of the registered owner stayed in my name, and the DMV waited for the new owner to complete their side of the paperwork to complete the sale. They never did, and it seems like they never intended to. In fact, we are no longer sure of the true identity of the buyer. 

It seems that from XX/XX/XXXX to XX/XX/XXXX, the new owner of the XXXX received five tickets and the XXXX was impounded on XX/XX/XXXX. We were not aware of the tickets as I moved shortly after selling the vehicle, got married and changed my name, and currently reside in a different county. I was only made aware of the issue when the collection letter was sent and we started looking into the history of the vehicle. 

The collection agency will not release the debt after providing the Transfer of Liability Form 138 from the DMV, Bill of Sale, and a current Vehicle Records Receipt showing that the vehicle has been sold twice more since we sold it in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CL Holdings LLC
State: OR

Complaint narrative:
I had an account with XXXX XXXX that went to collections many years ago. I paid the company who obtained the account. Jefferson Capital Systems, Inc. They informed me that they would notify XXXX that the account was paid in full so XXXX could then report to the credit bureau that the account was paid. Instead, they never reported the pay off to XXXX so it is still sitting in my credit report as delinquent. This needs to be updated as it is the only thing showing negative on my credit report and I am in the process of trying to buy a home. I have been fighting with this company for almost 2 years to report this to XXXX. I have submitted a complaint to you previously in regards to XXXX but I was directed to the FDIC because they are a XXXX. I filed a complaint with them to no avail as they directed me back to XXXX. I am being sent in circles. This needs to be addressed and fixed. Under the fair reporting act I have a right to have accurate information reported on my credit report. I don't know what else to do or who to turn to at this point. Jefferson Capital Systems , Inc. will not do as they promised, nor will they help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account has been paid in full and closed. I was shocked when reviewing my credit report and found late payments reported for XXXX and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that there was an error in my payments being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I took out a loan for around {$14000.00} through Santander. I paid on the loan for about 3 years. I did miss some payments but always paid them plus extra late payment fees. The motor blew in the vehicle. I asked for help with getting a rebuilt motor which would cost {$6000.00}. They refused to help me. I needed a car to get to work so I could pay my bills so I had no choice but to let them take it back. They sold the vehicle at auction. They put on my credit report that the original amount of the loan was over {$16000.00} and they wrote off {$15000.00}. I have tried to work with them to charge me the true amount owed and pay them in payments but they wanted me to pay {$400.00} a month of which I could not afford. The lady admitted that all I was paying for those 3 years was interest and the {$16000.00} was principal, additional interest and other undisclosed fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
in regards to complaints XXXX and XXXX. Nelnet responded by saying to file an identity theft report and is not resolving the issue of someone else student loan information on my credit report. Nelnet even responded that I am not in their system and that the information has someones else social security attached and not mine. so how can it be on my report? they need to remove it immediately as I do not have any student loans and the information is someone else 's social security number. this is a mistake on their end and I do not need to fill out a fraud form seeing how they are the ones who committed fraud by knowingly having a loan on my report with someone else 's social security number. they are not resolving the issues and ignoring my calls. the way they resolve the issue is not actually resolving any issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Security Credit Services, LLC
State: CA

Complaint narrative:
XXXX  is not properly investigating my disputes. These companies XXXX and Security credit services are reporting false information during the pandemic when I have consumer protection by law. These accounts were unauthorized and I never received the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I HAVE INSURANCE ... I WAS IN NETWORK ..NOT SURE WHY MY INSURANCE DIDNT COVER IT

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 2021-07-09 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax  data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I XXXX XXXX Did not authorize Exter Finance to run a report on my credit report. This is unauthorized and should be removed immediately.

Exter Finance ran these inquiries on XXXX XXXX without permissible purpose, or my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I have sent several disputes to XXXX  disputing the validity of this alleged debt from Rent Recovery Solutions regarding a debt for. I have received responses stating the debt was validated. I also request to know how this was validated and received a very generic response. I received information from Rent Recovery Solutions regarding the alleged debt which was very incomplete and with discrepancies. I have had no dealing or business relationship with Rent Recovery Solutions. Furthermore how do you determine an amount past due rent for XX/XX/2015 when there is not a lease for XXXX provided. I have sent this information to Rent Recovery Solutions regarding this discrepancy. Please see attached details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I owe approximately {$27000.00} for student loan. I can not pay it. Its been ten years. I was able to pay for a while, but my husband had a XXXX XXXX and XXXX XXXX We had XXXX sons in college. I worked XXXX jobs. Still I could not make ends meet. Since then I have paid some but I had to take two years off. 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  My paycheck is my only source of income. I applied for a student loan forgiveness and I was denied. I was told that it was bc I attended a junior college in XXXX. It made no sense and Navient would not explain it to me. 
Numerous times I asked for a lower monthly payment but they would not. Navient claims that it is income driven. However, that does not include what it takes to live. For years I have wanted a home. Its why I invested in college. Navient has ruined my credit. I was not able to buy a home for my family. I had no credit. Without credit I have given up hope on ever having a permanent place to live. I applied for another student loan forgiveness. During Covid shut down I was at my school handing out lunches. I checked my payments and I have made the required payments. If I do not receive the forgiveness I want to why. Explicitly why. 
All the times I asked for a lower payment I Navient would never work with me. I have had my student loan in forbearance so many times. It was the go to when I could not pay what they wanted. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only need credit to survive sometimes. I do not make a lot of money. I have nothing to take. Im not paying it. I have already paid a high price for Navient. 
Navient did not send information or offer the student loan forgiveness to me. I found it on my school districts page. I have a photo attached of the choices Navient sent me. For the payments I did make you cant I made any. Interest has added all back on plus some. Navient is not a fair company. I have harassed by this company. Last year was almost too much as a teacher. They harassed during a time I could not afford to be. Navient has never helped me. Navient should be invested and audited. The FTC has a good bit of information already on Navient. XXXX that should warrant an audit at the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MCU Holdings, LLC
State: CA

Complaint narrative:
Over the course of the last 3 days I have received several unwanted text messages and threatening/escalating voicemails from a XXXX XXXX at MCU in an attempt to collect a debt that I am unaware of and that does not show on my credit report as being held by their company ( possibly attempting to collect on older debts? ). They call from a California number ( XXXX ) XXXX. The first voicemail was left on XX/XX/2021 at XXXX and stated " Yes, good afternoon this message is intended solely for Miss XXXX XXXX, good afternoon my name is XXXX XXXX, I'm calling you from the offices of management capitol united to advise you that my office was assigned with documents currently attached to your name, your date of birth, and social security number. This is a time sensitive matter that requires your immediate attention prior to the station or escalation taking place without your knowledge. Please refer to file number XXXXX. My direct number where you can reach me with Capitol United is XXXX. My direct extension here is XXXX. I look forward to speaking with you Miss XXXX and my name is XXXX XXXX. Thank you.. The second voicemail was left on XX/XX/2021 at XXXX and stated Yes, good morning this message is again intended for XXXX XXXX. This is XXXX XXXX calling you once again from the office of management capitol united and XXXX XXXX in regards to the document sent to your XXXX account on XX/XX/XXXX. I left you several messages in regards to pending escalation here in my office contact touched your name, your date of birth and social security number at this point I was expecting a call back from you XXXX XXXX. I was instructed today to verify employment and run an asset and liability report attached to your name and social security number. If you have any questions in regards to this pending escalation please contact me back. The file number is XXXX, My direct number to reach me with capitol united MCU holdings is XXXX extension XXXX. I look forward to speaking with you and I will be in the office again until XXXX eastern standard time. Thank you.. I do not even have a XXXX account or email address so this is either a scam or bottom feeder collection agency trying to collect on an old debt that has past limitations as MCU is not listed on any of my credit reports as a agent handling a collections account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
XX/XX/2020 2 female XXXX  stole my card and stole {$6000.00} from me. I was issued the card because I was awarded unemployment due to Covid-19 because of me having a pre-existing condition. The name of the suspects are XXXX XXXX and XXXX XXXX. They both was caught on video using my card and both was later arrested. I have provided all required documents per XXXX XXXX County Police Department and The District Attorney Office to get my money back. Way 2 Go will not refund my money and I don't know why. 2 XXXX  stole from me and XXXX XXXX XXXX has a do not care attitude. It's been a year since this happened and it has turned my life upside down.

Company response to consumer: Closed with explanation