vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, account XXXX XXXX  ( Number XXXX, Reference # XXXX ) has violated my rights. 

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the Agencies ( XXXX, XXXX EQUIFAX ), account number XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX. As of XX/XX/, the reported amount owed is {$3000.00} and the status is listed as a collection account. 

Under the FCRA, my rights to privacy and control over the presentation of my credit information are clearly described and protected. Specifically, I would like to draw attention to two sections of the FCRA that have been violated : 1. 15 USC 1681 Section 602 ( a ) - Right to Privacy : This section explicitly states my right to privacy regarding the information contained in my credit reports. It protects against unauthorized disclosure of my personal financial data and emphasizes the importance of maintaining the confidentiality of this information. 

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Written instructions requirement : This section requires that a consumer reporting agency, such as XXXX, can not provide information about my account without my explicit written instructions. This provision underscores the importance of obtaining my written consent before disclosing any account-related data. 

Despite the clear provisions of the FCRA, XXXX has failed to comply with these requirements, resulting in a violation of my rights. They have disclosed information related to my account ( XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX ) ; without obtaining my written consent, thereby violating my privacy and control over my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC
State: NH

Complaint narrative:
I borrowed a personal loan from Lending Point which is : XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I borrowed {$4000.00} on XX/XX/2023 at $ 34.9775 % interest. I had to pay a fee of {$300.00}. which was tacked on same day. My payment was {$180.00} per month until XX/XX/2023 when I paid the balance of {$4100.00}. This means that the payments for 9 months which totaled {$1600.00} ( paid on-time payments ) plus the {$300.00} origination fee, plus another {$300.00} to lower the interest sometime in XXXX ( which never made a dent in principal ) total a staggering {$2200.00} on a {$4000.00} loan. 
To top this off - Lending Point never reported to the credit bureaus that I paid the debt in full which would bring up my credit score at least XXXX points putting me over XXXX for a score. I opened a dispute with XXXX in XXXX XXXX which still has had no response from Lending Point . I want action now and it's predatory lending practice to cease. If I had a clear and concise idea that I would pay {$2200.00} in interest, fees, etc. I never would have borrowed the money from them! The total principal paid was under {$200.00}! I never had a bankruptcy, foreclosure or missed payment ever! Surely, Lending Point is a predatory lender which should pay me back the fee of {$300.00} and the interest that was never lowered for two months. Most importantly, the full XXXX XXXX of {$2500.00} for the entire " three year life of loan ' looks like they gauged me the full amount even though I paid off in 9 months. I want a full refund of the finance charge minus the 9 months it took to pay off this predatory loan. {$2500.00} divided by 36 months = {$70.00} per month. {$70.00} x 9 months = {$630.00} This plus the {$300.00} fee to lower interest in XXXX pus the {$630.00} = {$930.00} Lending Point owes me!

Please Help me get these monies back and to have my XXXX balance reported to all 3 credit agencies.

Thanks for your time and consideration! 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
I have a loan with Honda Financial Service. Loan # XXXX. I make extra payments. The extra payments are not applied to principal. Honda considers them an extended payment. They consider my loan paid UpToDate in the future. The extra payment should be applied to principal. If not applied to principal i should receive interest on the amount they are holding. Honda makes it hard to to apply funds to principal. The focus is to keep paying interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have got solar panels installation from XXXX XXXX on XX/XX/2023. The representative came to my home gave me a quote of XXXX $ and I would receive a XXXX  credit of XXXX $ approximately. And gave me a finance option with their partner DIVIDEND FINANCIAL. The quote I got was XXXX $ a month and told me that if I didnt pay back the XXXX  XXXX of XXXX $ back to DIVIDEND FINANCIAL then my XXXX XXXX go up after 18 months from the loan initiation time. Now DIVIDEND FINANCIAL has increased my principal balance from XXXX $ to XXXX $ and when I asked for an explanation they say the payments of XXXX $ I am making is not lower than the interest accrued each month and hence the remaining balance is being added to my principal balance and is being compounded. I contacted XXXX and they told there is nothing they can help me with it and DIVIDEND FINANCIAL is not helping either. Please help me resolve the issue. My only concern is the principal balance being increased even after regular payments. I havent missed even a single payment till date. Thank you!!!. I have attached the signed document for the total balance with XXXX XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked Experian to remove the fraud alert from my credit report. They gave me confirmation that it was removed. But that was a lie, it was never removed ; in fact, they added XXXX on the XXXX of XXXX without my consent. They also removed my address from my file back in XXXX  without my consent. I need this fraud alert removed from my account now so i can get accepted for an apartment. They've been constantly trying to get me approved but Experian keeps slowing down the process by not removing this alert. I need it gone! I don't have time to mail documents! I even uploaded information on their site, but they said they never received it, but I sent it last week. I need them to stop making changes to my account without my verbal expressed consent or written signed documentation from me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please review the attached documents. I urge the bureau to begin an investigation into these accounts that are incorrectly reflecting late payments on my part.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time but being reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Hi, Happy Holidays, Please refer to my previous complaint XXXX it is the same company, I used my card for an online transaction of {$61.00}, when I tried to make another transaction it was declined, I called their Customer Service on XX/XX/2023 requesting a copy of my transactions, the representative said she will mail it out to my home address, until this minute I Never received any thing from this company. 
I called them out today they said they need copy of my DL, I mentioned to the rep that when I activated the card they got my Name, Address, Phone and Email, I asked her to send to the email or the home address she has on file the rep XXXX said she can not do that. 
I mentioned that after my first complaint they mailed the new card to my home address without calling or asking for any documents. 

This Company must be investigated and Audited as they are playing games and I am not sure if they are doing the same with other people. 

They are blocking accounts and declining transactions for no reason and resolve the issue with them it is Impossible to resolve. 

I do NOT trust this company for their actions, I asked to talk to a manager, they said they do not have a manager, what kind of company is this that they take my money any when there is an issue it CAN NOT be resolved peacefully, Please inform all departments of Federal to investigate and audit this company as it looks like they are either blocking or holding the balance and benefiting from this some how. 

This company MUST publish phone numbers for Fraud department and/or Executives in case public needs to resolve issues instead of getting the Consumer Finance office every time, this is unbelievable. 

If no action will be taken I will file a claim in court just to put an end for this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
received a XXXX $ amex egift card from work, msm technology. unable to add to XXXX funds, paypal, use on any website i've tried/wanted. unable to use in store because it's not physical. have spoken to their 'help center ' 4 times now.. only to get told 'try again in a week. ' called asking for a cheque, was hold to 'call later ' or 'call back ' because we can't do that currently. i've been hung up on as well after the person has acknowledged my voice/name and refuses to talk. i'm overly cordial on calls and it feels like i'm being abused. 

the card has no outstanding holding or wait on it. it's just sitting there, unable to be used, and flat out feels like a scam. it had previous XXXX XXXX holds for trying to add it to their funds and failing ( big surprise ). this is happening to numerous coworkers as well. i have checked the website and it claims the funds are in full and able to be used. this happened a few years ago and they sent a cheque via mail, in 2020? ( different address ) i believe. these cards are a literal scam. never had an issue with visa. 


i am requesting a cheque be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX or XXXX, i'd take XXXX. 
XXXX thanks for your time, consideration, and assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NV

Complaint narrative:
My son, who has a gambling disorder, used our Discover credit card over the summer of 2023 for online gambling with XXXX. What I find sickening is that Discover allowed the entire credit line to be used for online gambling. I confirmed that my credit card agreement with Discover shows online gambling charges are considered a cash advance. So instead of owing a small % of my credit line ( as per the contractual agreement ), I am being held to the full amount. How many consumers are being held responsible by Discover for this irresponsible lending practice? What reputable credit card company allows consumers to gamble their entire credit card line? 

I contacted Discover multiple times for an explanation of this consumer protection failure but have never received a response. They have never explained to me why my full line of credit was able to be charged instead of a small % as cash advance ( contrary to the contractual agreement ). 

If Discover wants to be a company that helps consumers with a brighter financial future, this type of practice is not convincing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Delete all errors on my files and reports

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 2023-12-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX {$130000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have filed online and in writing regarding a medical collection that should not be on report per Congress. Experian modified the dispute request and restarted the 30 day process without my permission and did not resolve the initial dispute. The creditor has not provided proof of debt requested initially.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Delete all errors on my files and reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Every disputed account currently reporting on my consumer report is inaccurate and must be removed. Each negative alleged account is reporting inaccuracies and errors, constituting grounds for removal under the direct violation of 15 USC 1681 for reporting inaccurately. I request a thorough and complete investigation of my credit report ; please do not limit it to the eoscar system, as my financial well-being relies on maintaining good credit. Every inaccurate account is unauthorized and requires immediate removal. 

This debt collector and credit reporting agency have engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They reported an account without our agreement, and I did not sign any agreement. A legal contract involves the participation of both parties, and I was not part of any such agreement. Furthermore, they failed to follow the proper 5-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights have been violated

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Every disputed account currently reporting on my consumer report is inaccurate and must be removed. Each negative alleged account is reporting inaccuracies and errors, constituting grounds for removal under the direct violation of 15 USC 1681 for reporting inaccurately. I request a thorough and complete investigation of my credit report ; please do not limit it to the eoscar system, as my financial well-being relies on maintaining good credit. Every inaccurate account is unauthorized and requires immediate removal. 

This debt collector and credit reporting agency have engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They reported an account without our agreement, and I did not sign any agreement. A legal contract involves the participation of both parties, and I was not part of any such agreement. Furthermore, they failed to follow the proper 5-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights have been violated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
BEST BUY DESTROYED MY CREDIT FOR {$27.00}... 

I had a great credit score over XXXX, a Best Buy credit card with a credit limit of $ XXXX available, that had ZERO money owed on it! Because of a perfect storm ( moving/computer hack/email hack ... resulting bank account closings/openings ) I received late charges for something I did not know I had ... causing my good credit to drop to the XXXX XXXX XXXX 

FACTS : -- I have since found out ( XX/XX/2023 ) that I owed {$27.00} ... that went up to {$54.00} (? ) in late fees. ( immediate payment to fix this did not go through ... because of the above perfect storm, I changed banks /cards EVEN THEIRS! and they charged it through my old bank account that they had on file ) -- I did not know it didn't go through until XXXX, and paid it again then. 
-- I have had $ XXXX avg in my checking account well before the issue for well over XXXX ( I can supply documents ) ... I could have paid {$27.00} at any point. 
-- I pay my bills on time ( see : over XXXX credit at the time ) ... and I had no idea I owed this amount. 
-- Looking back, I still don't believe I owed this amount in the first place. I found out that it was a jump drive for {$27.00} ... I believe I took that back, and then bought another one for {$16.00} because I didn't need that 'size '' to recapture all my files from the hack. 
-- I don't believe I got credit for the return. 

I don't have a receipt for that jump drive ( who would ) like I said, I think I returned that one in dispute anyway.

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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