vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 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: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I had an account with AUTOMOBILE ACCEPTANCE CORP account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, XXXX  AND XXXX XXXX and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, XXXX  AND XXXX XXXX and each time the credit bureaus report the account is verified as ACCURATE via AUTOMOBILE ACCEPTANCE CORP. As a result, I have disputed this account directly with AUTOMOBILE ACCEPTANCE CORP via letter and via phone calls and each time, AUTOMOBILE ACCEPTANCE CORP states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and AUTOMOBILE ACCEPTANCE CORP continues to ignore my requests.

Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via AUTOMOBILE ACCEPTANCE CORP. With the continued evidence and detailed disputes, AUTOMOBILE ACCEPTANCE CORP and XXXX  , XXXX XXXX continue to verify the account as accurate. I have included the letters I have sent AUTOMOBILE ACCEPTANCE CORP with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition AUTOBILE ACCEPTANCE CORP violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST Me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
I had an account with XXXX XXXX XXXX account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, XXXX  AND TRANS UNION and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, XXXX  AND TRANS UNION and each time the credit bureaus report the account is verified as ACCURATE via XXXX XXXX XXXX As a result, I have disputed this account directly with XXXX XXXX XXXX via letter and via phone calls and each time, XXXX XXXX XXXX states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and XXXX  XXXX XXXX continues to ignore my requests. 

Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via XXXX XXXX XXXX With the continued evidence and detailed disputes, XXXX  XXXX XXXX and XXXX , TRANS UNION continue to verify the account as accurate. I have included the letters I have sent XXXX  XXXX  XXXX with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition XXXX XXXX XXXX violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST 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 explanation
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
I had an account with XXXX XXXX XXXX account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, EXPERIAN AND XXXX XXXX and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, EXPERIAN AND XXXX XXXX and each time the credit bureaus report the account is verified as ACCURATE via XXXX XXXX XXXX As a result, I have disputed this account directly with XXXX XXXX XXXX via letter and via phone calls and each time, XXXX  XXXX  XXXX states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and XXXX  XXXX XXXX continues to ignore my requests. 

Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via XXXX XXXX XXXX With the continued evidence and detailed disputes, XXXX  XXXX XXXX and EXPERIAN XXXX XXXX XXXX continue to verify the account as accurate. I have included the letters I have sent XXXX  XXXX  XXXX with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition XXXX XXXX XXXX violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST 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 explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I made a purchase from Mattress Firm, XXXX for the amount of XXXX. I was offered financing with My Synchrony, I accepted. I was not satisfied with mattress purchased I upgraded the purchase XX/XX/XXXX, making the total amount of the charge XXXX credit amount of XXXX for the mattress returned and amount financed XXXX. This transaction was processed XX/XX/XXXX. I made payment on this account until noticed in XXXX  I had an amount of XXXX added, I reported the charge as fraud. It was not a fraud charge, but a duplicate charge. My account was closed, I was issued another card and account #. I immediately filed a dispute, and a 2nd dispute I have had no results. I have notified Mattress Firm of the duplicate charge I have had no results. 
My balance isXXXX on a purchase of XXXX, I have made payments of 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 2021-08-19 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: OH

Complaint narrative:
Please see attached. No contract exists for and agreement between myself and this third party. They didnt even take adequate time to research with the company. I need to see a contract for this agreement. Within less than 1 week, this came back as verified! No! Theyre breaking laws FCRA and Comprehensive Credit Act of 2020!

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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
InXX/XX/XXXX I went to XXXX XXXX XXXX XXXX to see a Dr. Before all my treatments were done the Dr died and the office was closed immediately. At the time of my visit I was covered with XXXX  and XXXX to pay for medical expenses. After the office was closed with no forwarding address and contact and without my knowledge a collection account was added to my credit file for XXXX. I became aware of this, pointed it out to Equifax, made two disputes and Equifax refused to remove the item. The collection agency XXXX XXXX in XXXX Ga also refuses.I had no opportunity to communicate with them to head off any other issues. XXXX  and XXXX XXXX properly removed this item the same day that I disputed it with them. After 2 complaints and 2 months Equifax continues to report this item as fact. I has also created a negative impact on prospective lenders that I have contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
My bank added a false late payment on my credit report which I have contacted them about it but to no avail. Because of this issue my report and credit limit has been declining.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: PDQ Services, Inc.
State: GA

Complaint narrative:
In XXXX  of XXXX I went to XXXX XXXX XXXX XXXX to see a Dr. Before all my treatments were done the Dr died and the office was closed immediately. At the time of my visit I was covered with XXXX  and XXXX  to pay for medical expenses. After the office was closed with no forwarding address and contact and without my knowledge a collection account was added to my credit file for XXXX. I became aware of this, pointed it out to XXXX, made two disputes and XXXX  refused to remove the item. The collection agency PDQ Services in XXXX Ga also refuses.I had no opportunity to communicate with them to head off any other issues. XXXX  and XXXX XXXX properly removed this item the same day that I disputed it with them. After 2 complaints and 2 months XXXX  continues to report this item as fact. I has also created a negative impact on prospective lenders that I have contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/XXXX I requested TransferWise Ltd a wire transfer of USD XXXX from my Wise USD account to my bank account. After being on hold for nearly 10 business days, it was cancelled on XX/XX/XXXX without further explanation. 

I contacted TransferWise Support during the following days by phone and chat and they could not indicate the reason for the cancellation. 

On XX/XX/XXXX I exchanged XXXX USD from my TransferWise balance into XXXX GBP for which TransferWise charged me the related fees. Assuming there were no issues with my account, I requested two new wire transfers : Date : XX/XX/2021 Amount : GBP XXXX Date : XX/XX/2021 Amount : USD XXXX Again, both transactions were blocked by TransferWise without any explanation. TransferWise support told me to wait up to 10 business days to see if the money was released and on XX/XX/XXXX my account was suspended which prevents me to recover the remaining balance in my account. 

Due to the suspension of the account, I can not log into the app anymore or make any kind of complaint through phone or chat. 

Currently, my Wise account has a remaining balance of : USD XXXX GBP XXXX which I need to recover. I wrote to the Wise Appeals at XXXX requesting a refund and providing my bank details but I can not get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: CO

Complaint narrative:
Professional debt management vompany is trying to collect debt which i dont owe, as during covid i was not even able to pay my rent so inhad to move out of my appartment buipding and i had to pay last month rent. And i agreed to it and they agreed too, an dsuddenly now they want to collect 3 months rent, its against the situation, i dont even have a jon, how i can pay that much, this is killing me. They have threatened me that i will not be able to rent or buy a house whole my life, they will ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: VA

Complaint narrative:
On the XXXX of XX/XX/2021, I made an international transfer of {$200.00} from Ria Money Transfer to XXXX XXXX. I received a message that the recipient has the money but the recipient did not receive any money so I called Ria to inform them. They told me they will contact the recipient bank and call me in one to three business days. So I did not hear from them as they promised so I called them again, they told me they have not heard from the recipient bank so I should give them another one to seven business days. Seven business days passed but no action was made so I called them for the third time, they told me to wait for another one to ten business days and it has passed I have not heard from them, my recipient still doesn't have the money, they have not refunded the money either. So I want them to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I put my account on automatic payments well suddenly their is no record of that and I get a notice in my credit report that my account is 30 days past due I tried to resolve it but they did not want to work with me. I havent missed a payment in 3 years on anything in my credit report there was a better way that they could have been more customer friendly like even a phone call saying hey we noticed you were past due and I could have cleared up the confusion and made a payment immediately but that chose not to communicate no statements no email nothing just a negative on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: VA

Complaint narrative:
On the XXXX of XX/XX/2021, I made an international transfer of {$200.00} from Ria XXXX XXXX to XXXX XXXX. I received a message that the recipient has the money but the recipient did not receive any money so I called Ria to inform them. They told me they will contact the recipient bank and call me in one to three business days. So I did not hear from them as they promised so I called them again, they told me they have not heard from the recipient bank so I should give them another one to seven business days. Seven business days passed but no action was made so I called them for the third time, they told me to wait for another one to ten business days and it has passed I have not heard from them, my recipient still doesn't have the money, they have not refunded the money either. So I want them to refund my money.

Company response to consumer: Closed with explanation