vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX Days Late | {$200.00} past due COLLECTIONS XXXX Opened XX/XX/XXXX + {$2400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$1400.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX IN XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: AZ

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.

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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file.I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level. The items I need deleted are listed in the report.I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my rights to privacy 15 USC 1681 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I had obtained a payday loan and had problems getting it paid back. I hired the services of a company to help me resolve the debt which they are still working on. Today, XX/XX/21, there were numerous calls made to my employer from what was referred to as a company called XXXX. They first spoke with my immediate supervisor and then called again to speak to my general manager. They had called and left a voice mail on my work phone as well saying that they were trying to serve me papers but they would not identify what type of papers. After trying to call them several times without an answer I finally reached a man named XXXX who told me that the account had {$1000.00} owed on it and I was being sued for it. He identified me by an address I no longer live at and I did not enlighten him that I did not live there any longer. If he had my address then his story about being unable to find me to serve me papers did not make sense. When I told him that his story did not make sense because I had hired an agency to help me and I was under contract with them and would not break that contract to do what he was wanting and set up payments to him, he told me that it was ok and that they would go ahead and file the paperwork to have me arrested and prosecuted. I told him to do whatever he thought he had to do and I would as well. Thus I am filing this complaint. I know it is against the law for my employer to be contacted and this is not the first time I have gotten scam calls recently. This call was made from the number XXXX. I hope you can help me with this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CO

Complaint narrative:
On or about XX/XX/2019, I had called Exeter multiple times ( my SUV loan company ), that I wanted to pay extra money on my SUV payment for PRINCIPAL ONLY. I was current on my monthly payments but was told that I could only apply PRINCIPAL ONLY money if I was 3 months ahead in my payments (? ). I have never heard of this before and it was obvious that Exeter was doing everything possible to make sure my loan extended to the completion of 72 months or 6 years. 

Exeter obviously wants to get the maximum interest on my loan. Exeter has cost me extra interest and extended my loan out to the 72 months or 6 years. I want Exeter to allow me to make extra PRINCIPAL ONLY payments each month with no 3 month payment in advance requirement AND refund me {$1000.00} for interest that I shouldn't have had to pay if I was able to apply extra PRINCIPAL ONLY payments each month. Appreciate any assistance. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 — Investigation took more than 30 days
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I got no response back from the company Inaccurate reporting on my report, Vehicle was sold and paid the debt the amount own is inaccurate, and debt was never validated

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 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
My wife and I were both customers of the online bank named Simple that was backed by BBVA. BBVA was, I believe, acquired by XXXX and decided to shutter Simple. We were informed all of our accounts would be converted to BBVA or need to be closed. As soon as a new financial institution was chosen ACH transfers were initiated and were completed. I began what turned into multiple attempts to contact BBVA to close both of our accounts as well as our joint account. Three days in a row I sat on hold for WELL OVER an hour ( the first day I called multiple times and the results were the same ) while consistently told my time was important to them. Each time the line would eventually pick up ... only to drop the call and hang up on me. This same process happened the week following as well. Given my accounts had clearly been emptied and they weren't concerned enough to properly staff I gave up expecting that they would simply close the accounts. 

I've since received overdraft fees ( which would not exist were I able to close my accounts ). I again attempted to call but now BBVA will only answer calls during normal business hours. Given that I work during those hours as well that's not feasible. Even if I could find the time to do so it would be at my expense during MY business hours. I do not have an online account with BBVA as I never intended to be their customer. 

Frustrated, I sent a certified letter via USPS instructing BBVA to close both my account as well as my wife 's account. This was received by BBVA as can be confirmed with USPS tracking number : XXXX. 

As they continue to harass me with mail I would like to let BBVA know that we know that life gets busy and the unexpected happens. They can contact me after XXXX CST to the phone number they would have on file. Their failure to complete a conversion process for myself and many others ( per the non-stop string of complaints visible online ) is not my fault. THEY are a BANK. This involves peoples finances which include things like ensuring they can pay for medical care, cover their mortgage, and all the various things we rely on banks to provide. BBVA failed their customers ... of which we never intended to be. We were Simple customers and attempted to leave per the methods THEY informed us to take. I simply refuse to expend additional personal time ( at MY financial expense ) on something that was not of my own doing. I attempted to close accounts as I was instructed to do so. My accounts were empty. We took every reasonable action AND BEYOND to prevent and further STOP additional actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Tuesday XX/XX/2021 XXXX These issues started between XXXX and XXXX of 2021 when transitioning from one bank to another because of over average over draft fees. In changing over my bill payments to Fifth Third Bank I got a form sent to me to start having my payment come out of my XXXX XXXX XXXX XXXX account on or before the XXXX of each month. I was later told by a bank officials that I must also apply online as well for payment drafting from FTB which I said didn't make sense but I did applied online to. 

I wasn't sure that everything would have went through successfully by XXXX, so I sent a payment in from a money order that I got from the currency exchange, but after looking at my account I noticed that the payment was taken out on top of the payment I had mailed in. 

I went to Fifth Third Bank and informed them as to what was going on with the double payment and I was instructed to cancel the debit on her computer and I wouldn't have this issue anymore. I also call my insurance company and informed them as well and I was told that I would receive a payment back in the mail, but the double payment continue to come in up until XX/XX/2021. 

My last memory of putting more funds into my account was on or about XXXX or XXXX at which I had a low balance until XXXX XXXX XXXX XXXX sent in another payment which put my account into the negative. My account is a XXXX because Fifth Third Bank never put my funds back into my account as promised to me several times. So I have not put any funds into my account knowing that anything that I put into my account would be eat up because of the negative balance. 

I'm looking forward to a speedy response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wellsfargo did not change my address until XXXX 2021, and the late payments is for XXXX and XXXX of 2021. 

I paid and close account in XXXX 2021. The late payments should be remove. 

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 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Sun Trust Bank is trying to collect {$330.00} which they say is an overdraft. I do not have an account with them. I have never had an account with them. They've sent me about 5 or 6 letters and duns which is a nuisance. I suspect that this is a scam. 

They give their addresses to be XXXX XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXX XXXX, FL 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 monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bay Area Receivables, Inc
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MS , XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 deragatory information provided. 

BAY AREA RECEIVABLES ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt.

This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested.

This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you.

It would be ideal if you provide me with teh following : * What the money you say I owe is for : * Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :

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 2021-06-16 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.

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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I got no response back from the company Inaccurate reporting on my report, Vehicle was sold and paid the debt the amount own is inaccurate, and debt was never validated

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 2021-06-16 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: NY

Complaint narrative:
Experian has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Experian because my character has been defamed. I demand that these accounts be removed 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 explanation