vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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:
On XX/XX/XXXX I traded my XXXX XXXX wrangler in for XXXX new vehicles as a leases. I was financed and approved through Ally Financial from the Dealership where I leased the new XXXX XXXX wrangler. XXXX XXXXXXXX XXXX, XXXX XXXX, MI. 

I set up my online account through Ally.com after receiving my payment instructions from Ally Financial I the mail, mid XXXX. Seemed odd that it was late, so I made my payment for XX/XX/XXXX & XX/XX/XXXX on XX/XX/XXXX through my XXXX Bank. 

Representatives from Ally keep calling me telling me they didn't get the payment. Another saw they did get payment but return it. They could not answer why, I asked for a manager, they hang right up. I verified with my Bank 's manager and the car payment was paid to Ally. Ally reps continue to call me daily, caller ID says potential spam. I have been threaten that they would report me to the credit burial and they did. As a result this placed a very negative MARK on me who has outstanding credit. Ally insists I send XXXX XXXX or XXXX XXXX  for the NEXT 6 MONTHS. I then received a paper check from what appears to be legit, REFUNDING the amount XXXX PAID. I took it to my Bank to verify if it '' XXXX real. I WAS ADVISED DO NOT CASH IT. It's a scam. 

I almost sent money via their request to money gram but the clerk at XXXX stopped me, and told me to go back to the dealership, it's fraud. 

I called the dealership twice leaving voice messages with the Manager of Finance. No return call. I drove up to the dealer ship and went to my sales man explaining with all my documents. He was stumped as well, and told me he would have to get back with me. 

Meanwhile as I await, my credit has been damaged and I suspect some kind of unlawful actives have taken place using my credit.

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 2023-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I reached out to Security Service Credit Union sent me a monthly statement for an amount due in Monthly payment that did not properly reflect the actual amount that should be due per my terms of my HELOC. I informed them that the calculated payment amount was not the same amount that should be due based off of the terms of my loan and the balance on the HELOC. I was told that I was wrong without being given any documentation on how they came up with their amount due. As it stands. I am being charged more monthly for my " interest only '' payment then the terms of my contract states as the amount being owed.

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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems is trying to collect {$710.00} and has put a collection on my credit report. The collection was placed on XX/XX/2021 and an XXXX XXXX as the original creditor. I have never had any interaction with XXXX XXXX and never heard of them prior to the collection from IC Systems. I have reached out to XXXX and had no response to show what the debt is, when or where it originated or what the service even was. Letters have been sent to both XXXX XXXX and IC Systems with XXXX response.

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 2023-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I work for the XXXX XXXX XXXX XXXX and am a twice widowed mother and was not left any life insurance, can not get a loan or credit card as my credit rating is ruined after being off work on unpaid FMLA for almost six months due to severe health issues!!! I have not been released to return to work by my doctor and just paid all I had left from my tax return to Honda almost {$300.00} a little over a week ago!! Because I have filed for workers comp with my employer and had to appeal and waiting on the results but have had XXXX income in six months!! I have kept in touch with Honda weekly letting them know all that is going on. My current balance due is {$1600.00}. I have had the loan for almost five years and it will be paid off by XX/XX/2023. I have asked them numerous times if they will help me with a hardship or work with me on the payments to catch up and they will not and keep threatening me with repossession! I have no other vehicle and commute two hours round trip daily for my job so if my car is taken I will lose my job!! I also have asked for a manager to call me twice and none returned my call they said there were none and they dont have any hardship programs to help me!! XXXX who called herself a lead that I spoke with today said the same!! I want corporate to help me so I can get my car paid off and keep it!! I have paid over XXXX on my car and it is only a couple of months from being paid off!! I need more time as my doctor has not released me to return to work yet, it may be the end of next month before he does! I am not going to not pay it off!!! I am reaching out to every charity and church I can think of but none have helped yet!! It is not my fault I got sick due to my employment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX  XXXX ) Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/XXXX )XXXX XXXX date of inquiry XXXX XX/XX/XXXX ), XXXXXXXX XXXX XXXX  date of inquiry ( XX/XX/XXXX ), XXXX XXXX  date of inquiry ( XX/XX/XXXX ), US SM Bus Admin ODA date of inquiry XXXX 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 2023-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
Ability Recovery Services submitted a false claim to the credit reporting agencies that I owe them {$570.00} and have not paid. They state this originates from XXXX XXXX XXXX. Currently, I am on a payment plan with XXXX XXXX XXXX XXXX XXXX I have never been late and made my most recent payment on XXXX. I called XXXX 's billing department representative, XXXX, at XXXX on XXXX & confirmed that my account was current after receiving a payment demand letter from this debt collector. 

They filed this false report on XXXX. I can provide proof that I have made all payments in full and am on a payment plan. My payment plan concludes in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
I called Opp Finance  on XX/XX/XXXX to move the bill due date of XX/XX/XXXX out a few days due to a financial emergency. The agent told me she could not do that. The very next day, XX/XX/XXXX, she removed the funds from my account making them unavailable to me for my emergency on the XXXX so that my account would be paid on the XXXX. In other words, she intentionally captured my funds early on the XXXX so that I could not use my funds to take care of the emergency that I had. This early action had never been done before prior to our conversation and need to move the due date out. 

I sent numerous emails regarding this situation and they all were ignored as if this early debit transaction never existed. They asked for proof of the transaction, and, I went to the bank to get it and sent it to them. They then asked for it to be on the bank 's letterhead as if I had manufactured the document. 

My contract states clearly that the debit would occur on the XXXX of each month. Not before that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MA

Complaint narrative:
repeated written attempts to validate debt with this company has fallen on deaf ears.thay have failed to email per my instruction validate the debt on XXXX items they have.when they are called they do do not tell who oe=wns the debt investor. validation has expired whatever they have there they can not proceed further with issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MS

Complaint narrative:
Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC. 1681 section 602 states i have the right to privacy 15 USC 1681 section 605 A section 2 it also states that a consumer reporting agency can not furnish an account with out my written permission or instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose

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 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SERVICEMAC, LLC
State: NM

Complaint narrative:
My mortgage was being serviced originally by XXXX XXXX during the first half of XXXX ( XXXX ). I then received notification on XX/XX/XXXX that my mortgage servicing was being transferred to Service Mac starting XX/XX/XXXX. 3 months later ( XX/XX/XXXX ) I was notified again that my mortgage was going to be transferred back to XXXX XXXX for servicing starting XX/XX/XXXX. As of today 's date, XX/XX/XXXX, I have only received a single 1098 from XXXX XXXX, showing a loan acquisition date of XX/XX/XXXX. This however is the date that my mortgage was transferred to Service Mac for servicing. I attempted to contact Service Mac for the additional 1098 for the 4 months of servicing ( XXXX ), but am seemingly connected to XXXX XXXX because the automated system notifies me of my most recent payment, almost as if the 2 companies are 1. After speaking to a representative and supervisor I am told they only have the single 1098 reflecting XXXX XXXX. I am needing TWO ( 2 ) 1098s that reflect the correct servicer and interest paid for the period serviced for the XXXX year. All communication I received prior to the transfer confirm I would receive a 1098 from both servicers which hasn't occurred. Please contact me if needing additional information.

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I was notified by XXXX XXXX XXXX that there was a new inquiry on my credit report and identity verification on XX/XX/23 for a Ikea credit card application. I did not apply for this credit card. 
I already reported this fraudulent application to the bank and I submitted a theft case with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX  Account XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights XXXX Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : # XXXX Account name : XXXX XXXX Account name : # XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX ALL HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TX

Complaint narrative:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered

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 2023-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
Square has been o holding my funds for XXXX and will not release them for XXXX no one is giving a reason not can you speak to a person that can. This is m making paying employees late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
credit bureau incorrect information on my credit report. Please see the attached. on account, # XXXXThey are reporting my account status. When the other two bureaus are reporting my account status as a different status. Also, the open date is incorrect. If they are pulling the information directly from XXXX XXXX XXXX XXXX  why is this information reporting incorrectly.? Under the law, I am supposed to have accurate information reported on my credit report. Please see the attached proof of the discrepancies and delete this account as soon as possible

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