vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Karma, LLC

Complaint narrative:
I have a CreditKarma account that shows me whenever there is a credit inquiry, expense or deposits. 
It also shows me a credit score for XXXX and XXXX through use of XXXX XXXX calculations. 

I also pay XXXX every month to report my rental and utility payments to rating agencies. They also show me my XXXX credit score using XXXX XXXX calculation. 

Based on these and suggestions from CreditKarma app, I applied foXXXX XXXX XXXXXXXX XXXX $ deposit Secured Card in XXXX. They sent me a letter asking me to submit id proofs and proof of address. I faxed these around XXXX. I faxed them twice as they also demanded another additional proof of utility payment. When they did not respond after XXXX working days I called them on their customer care number and was informed that backoffice could not identify my face clearly on the DL that I faxed. I was told on XXXX to fax it again before end of the week. I received an Adverse Letter from them stating my XXXX XXXX was not present and also my application was incomplete. They sent this via email by XXXX XXXX on XXXX without waiting for me to refax my documents as per their request. Since they did another hard inquiry for the same score, I lost further points on XXXX according to CreditKarma. 
They still show that I am eligible for XXXX credit card. 

Either Credit Karma and XXXX using XXXX XXXX calculation and giving me XXXX credit score of Good as attached is WRONG OR XXXX XXXXXXXX calculations are WRONG OR XXXX showing my credit score of XXXX on all XXXX rating agencies is WRONG. 
In any case XXXX had access to all these reports and despite knowing my XXXX rating was XXXX they still performed another hard inquiry and kept my documents illegally, kept me waiting and not letting me know the status of application accurately despite me calling several times and then incorrectly responding. They played with my emotions and harassed me all this long just to ignored a credit card application that they never intended to approve. 

If XXXX  XXXX is lying about my XXXX scores being Invalid or Non existent, then Credit Karma, XXXX and XXXX XXXX are all culpable of this crime in falsifying records and present incorrect information to consumers to just make sure they sell Credit Cards of unsavoury unprofesssional companies like XXXX. 
Why else will they be offering me XXXX XXXX XXXX eligibilty on their apps when the score is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My credit union provides a service to view my credit score every month. In XXXX I viewed my credit score and it was downgraded by XXXX points, from XXXX to XXXX. I was surprised because I have been steadily improving my credit score by paying my XXXX credit cards off every month to zero balance and using less that XXXX XXXX of my available credit every month. This is what I was told to do by the credit reporting agency. I contacted them via their XXXX XXXX since that was the only customer service I could find and after XXXX weeks of communicating with me the only thing I could get out of them was 'how they computed the scores '. I pointed out to them that my scores have been steadily going up and I had a 'XXXX ' score for Payment History, an XXXX ' score for Credit Usage, a XXXX ' score for Account Mix, a XXXX ' score for Credit Age, and an XXXX ' score for Inquiries. I pointed out that my XXXX score was XXXX. I pointed out that nothing had really changed in my credit reporting except that I was staying under XXXX XXXX  credit usage and paying off my credit cards every month. I talked to a supervisor and she said to call their 'Corporate Escalations Team ' so I did but they would never answer the phone and sometimes called me back when I was unavailable so I would call them back but they never answered the phone with a live person. So I could never explain to them my complaint. I am severely impacted by this XXXX point downgrade because I am doing exactly what they told me to do, and I am working hard to get my credit score improving so that I can have better credit and then they downgrade me by XXXX points for nothing. When I was communicating with them through XXXX I asked them to tell me why I was downgraded and they never gave me any explanation at all that made sense. All they kept telling me was how they computed credit scores. I would like to talk to their 'Corporate Escalations Team ' but they never answer the phone,, they always call me back once and I have so far missed their calls. I want them to reverse the XXXX point downgrade and, in fact, I want them to adjust my score to over XXXX because I am using my credit responsibly and am doing exactly what they tell me to do, I use less than 30 % of my credit and I pay off my credit cards to zero every month. 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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I arranged my monthly balance payment for my Sam 's Credit Card in XX/XX/2023 and the payment never processed on their end and they never notified me until I couldn't use the card to pay for a merchant. 
I contacted me and told me it was still processing. The card was charged a late fee. I was told it processed and now they are telling me it was scheduled until XXXX even though I submitted it twice. I can not make payments through their system or their customer service.

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 2023-10-26 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2023-10-26 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunbit, Inc.
State: NY

Complaint narrative:
On XX/XX/2023 I sent a legal notice to Sunbit Now, LLC ( " Sunbit '' ) rescinding my consumer credit transaction with them. There were several grounds enumerated such as : ( 1 ) failure to provide full disclosure of my right to rescind in accordance with the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1635 ) and Regulation Z ( 12 C.F.R. 226.23 ) ; ( 2 ) transparency regarding the process of consumer credit application being the financial asset ( 12 C.F.R. 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 C.F.R. 260.11b-6 ). There were also other TILA violations and I reserve the right to raise them -- both federal and state -- at arbitration and in federal/state court. By operation of law, upon receipt of the notice this transaction is void and Sunbit has twenty days from receipt to return all monies paid in connection with the transaction ( 15 U.S.C. 1605 ( a ) ). Yet, more than twenty days has past and Sunbit has not returned the monies owed. Additionally, they continue to perpetuate fraud and send harassing emails for payment on a loan ( " agreement '' ) that is void by operation of law. Moreover, Sunbit continues to report a balance owed on this voided loan to all three major credit reporting agencies in violation of the Fair Credit Reporting Act ( " FRCA '' ). Sunbit take notice that this action constitutes a violation of the FCRA and I will not hestitate to pursue remedy by means of arbitration and or by federal law suit.

Moreover, I never gave Sunbit my permission to disclose nonpublic personal information. Any consent- whether verbal, non-verbal, written, implied, or otherwise is revoked. Additionally, Sunbit never informed me of my right to opt-out of disclosure as required by law. See 15 USC 6801, 1681b ( a ) ( 2 ) ; see also P.L. 90-321 ( 82 Stat. 146 ). 15 USC 1681C ( a ) ( 5 ) states " [ e ] xcept as authorized under subsection ( b ), 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. '' This account is an adverse item ( which is not a record of convictions of crimes ) that Sunbit and XXXX are reporting without my permission. This is against the law. 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) further states " [ 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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was currently XXXX  ( XXXX XXXX ) for a few years now and the checking account with XXXX is set up to pay all expenses for my daughter who decided to stay back in XXXX. We had two debit cards for the account and the one my daughter using is actively used but the other card was not in use at all. Recently my daughter has tried to buy a car and realized that there wasn't enough fund than what was expected to be there. After reviewing all the charges, there were more than 400 unauthorized transactions from XXXX, XXXX and unknown terminals. All unauthorized charges were made using the debit card that is not in use. We did not use the card at all and can't think of a way how the card information was released. The total fraud amount was {$14000.00} over 400 fraud transactions. A case is opened with XXXX but the initial assessment they are giving to us is that they are responsible for the frauds within 60 days and which is equivalent to {$16.00} dollars. I have been out of the country and trusted the bank system in US. It is a devastating situation if the bank can't honor the amount lost due to the frauds.

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 2023-10-26 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: DC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
Attempts to collect on an alleged debt that has passed state of limitations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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:
On XX/XX/2023, I attempted to unfreeze my Experian account. A vendor made an inquiry and failed saying that the account was locked. I then had to unlock. The vendor made the inquiry so I refroze the account 4 days later. I was unable to re-lock the account online. I attempted to contact Experian by phone and it was an absolute nightmare. The phone system is solely designed to frustrate consumers so that they give up and go away. It is practically impossible to contact a human. The first representative actually hung up on me! They would not listen to the fact that another company had paid for the upgraded service due to a data breech and made it extremely difficult to reestablish the lock. This company has zero interest in providing the services for which they are contractually obligated, nor are they interested in helping consumers who have no choice because they have confiscated our data.

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 2023-10-26 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a victim of fraud last week, my wallet was stolen which had all my valuable information ( my cards and my notes with things such as my pin and passwords ) and my claim was submitted on XX/XX/XXXX and denied on the XXXX ( 2 buisness days from claim ) this was before I even sent back the documentation they requested from me ( which I had to correct because they had the wrong information on my claim ) and they forcefully closed my account without explaining to me why

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/23 I made a {$16.00} charge at a pharmacy in the airport at XXXX XXXX in the XXXX XXXX. 

The charge reflected on my credit card bill {$460.00} so I disputed the bill and Barclay Bank issued a provisional credit.

Barclay Bank requested a copy of my charge receipt but I did not keep it due to the small amount so I requested they provide a copy from the merchant. They indicated they don't do that and reversed the provisional credit to my account. 

I contacted the merchant XXXX times who acknowledged the error and committed to correcting it but will not. 

I wrote another letter to Barclay Bank on XX/XX/23 disputing the charge and requesting they provide me proof that I actually made the charge as required under XXXX. XXXX # XXXX paragraph ( a ) ( XXXX ) ( vii ). 

They sent a letter noting the case is closed since I can't provide them with proof of the charge. 

I spoke with a Senior customer service representative on XX/XX/23 asking what may be done and she indicated XXXX 's will not contact the merchant for the proof AND they will not issue another provisional credit. 

Not sure why they will not follow XXXX XXXX but it seems pretty clear to 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 2023-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I went on XXXX to buy a moped, I used Affirm and had a total loan amount to pay of around XXXX less than XXXX, within 4 months of the purchase i had problems with the product due to the seller not sending over the Full product, I contacted XXXX straight away to ask for a refund due to me not having the proper item to have " OwnerShip '' of the product due to the seller not sending over said papers, XXXX granted the refund SEVERAL TIMES only for me to be told that Affirm didn't receive it, this has been going on for over half a year, Affirm is messing with my credit, my XXXX Account, and refuses to grant me my refund which was given to them by XXXX. ontop of all of that on XX/XX/XXXX a employee of Affirm told me that i would receive my refund only to be denied later like why. I've also given Proof to this company about the refund and they still refuse to honor it. they keep saying about this 60 day policy but they caused the time frame to be way past it cause they kept telling me nah we didn't receive it call XXXX to waste time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My bank account was hacked by someone who stole {$16000.00} over the course of 7 months from my business checking account at XXXX XXXX. Wells Fargo is the originating bank. Their client is XXXX, which is where my money was transferred to. I have filed an incident report with XXXX XXXX Sheriffs Department. Below is the list of dates & amounts taken from my account. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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