vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear Macy 's / XXXX, I hope this message finds you well. I am writing to express my disagreement with the findings regarding my account, which I believe is not accurately reflecting on my credit report as being late on XXXX and XX/XX/year>. 

I opened this account in XX/XX/year> with the intention of improving my credit score, based on the excellent customer service I received every time I visited your store. I take great pride in consistently paying my bills on time with all of my creditors. Therefore, I was surprised and deeply affected when I discovered discrepancies on my credit report, causing significant XXXX XXXX XXXX 

Last year, I faced several XXXX XXXX, including XXXX due to XXXX. During this time, I may not have been as attentive to my financial matters as usual. While I understand that you did not receive returned mail, I want to clarify that I did not receive statements at the address provided. Additionally, I believed that payments were being automatically deducted from my current bank account each month. 

I strongly disagree with the assertion that I was late on payments between XXXX through XX/XX/year>. This is incorrect, and I am perplexed as to how this misunderstanding occurred. My belief was that payments were made promptly upon receipt of statements. It is possible that my statements did not reach me during this period.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/24 at XXXX XXXX XXXX For {$120.00}, this amount was placed on different card and the pending status remains from that date, the merchant was already paid on XX/XX/24. 

On XX/XX/XXXX XXXX XXXXXXXX XXXX for {$150.00} This was an amount placed by policy of the hotel to cover incidentals, of which I had none so they typically allow the transaction to expire without further processing, however I feel that Chime will not be returning my funds for several weeks as this appears to be their typical process for return of funds from pending transactions which are no longer pending but Chime waits an unreasonable amount of time before returning customer monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
You are required by FCRA 605B to delete any wrongly reported accounts from my credit report. Please check the documents, as some accounts have incorrect reporting, amounts, and dates.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I saw that Moneylion was offering a {$700.00} loan. Or so I thought. It turns out it was something called a " Credit Builder Loan. '' I had no idea what I was opening until after it was too late and now they have sent me to collections for money I have never received! 
Initially, they gave me {$100.00} on XX/XX/year>2024 which they gave me through my XXXX account and I paid back {$130.00} on XX/XX/year>2024 to cover that amount. They say it was never given into XXXX, but given into another account, which is not true or correct. 
It turns out the other {$700.00} went into a Credit Reserve account for me to make monthly payments of {$84.00} on for several months until it and the interest ( which was not disclosed at the beginning ) was paid off. Once paid off... I would then receive the loan in it's entirety. I am on a fixed income and did not want or need this type of loan. Which I explained to them several times. But got nowhere. I made XXXX payment of {$84.00} on XX/XX/scrub> 2024. I continued to call them begging them to call off and cancel the loan as I had already paid them more than I had borrowed. But they would refuse. Now I find that they have added {$850.00} to my credit report as being a past due amount on this Credit Builder Loan. I have not borrowed nor ever touched that money! So I have no idea how they can say I owe it back to them. I am completely frustrated and appalled that this company would take such fraudulent actions against a person. 
Please help me in righting this wrong. I have tried to dispute this on my credit report and am not sure I've gotten anywhere. I desperately need help. Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I received phone calls and when I challenged the information to be inaccurate and requested have written communication of validation of the alleged debt to be mailed. The caller responded they sent information and asked to what address. The address given has never been associated to me and in fact it a po box address they had on record. I continued to say I don't have any knowledge of this account and needed validation of documents. The call ended and I never heard anything until i received an alert about the change on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol one is telling me I have a card that I DONT have, but I do have a different card from them. I noticed this from my monthly statements over a year ago if not longer. I have called them many times to get clarity on this matter but they themselves cant give me an answer. The card they say I have has a totally different card tier level. I told them with my credit I wouldnt even be able to get approved since the card is a XXXX XXXX card with many perks and a lot more requirements to obtain it. The interest rates are different and it doesnt have a yearly fee which I am being charged. I got notification from the XXXX  and other sites stating that my account has been closed and I called Capital one to inquire and they said they dont see that it has been closed. I asked them doesnt that seem odd and they agreed yet said they cant do anything about it. I asked if my balance can be placed on hold until this all gets resolved. They denied my request. I also told them that if you are saying I have that card my balance should be adjusted greatly because of the status and benefits that card offers and If I would have known I could have saved thousands of dollars that those benefits would have covered. After many calls they started to mock me over the phone. My credit has dropped greatly and still dropping. Its affecting my buying power and credit options. The Cards dont even say the same things on it. They opened a fraud investigation a few times and found me at fault for all. I keep telling them that I am not disputing charges. My account is now currently closed without any prior notice from them which isnt allowed, but my online account still works like nothing is wrong. They also said that doesnt make sense yet they still do nothing. I have exausted all my options. I even sent a complaint to New york department of finance and they responded saying that they received my claim but they are not the governing entity for capital one so they forwarded it to this department with further instructions to contact me. I didnt hear a response in a long time so Im putting a claim in myself. Can you please help in this matter because I know Im in the right yet cant get any satisfaction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
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 XXXXXX/XX/year> Capitol One Bank XXXX Capitol One XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: Island Finance Puerto Rico
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Island Finance LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: FL

Complaint narrative:
On XX/XX/year>, Bank XXXX XXXX informed me by mail that someone is trying to open an account in my name for a XXXX XXXX XXXX XXXX XXXX. I never submitted a request for this card. We have had at least XXXX phone conversations regarding this matter and They informed me they were investigating the application and I would be hearing from XXXX XXXX to resolve the issue... .still have not heard from XXXX XXXX XXXX I in turn contacted Experian to put a fraud alert on the XXXX XXXX  XXXX XXXX, I received an alert the fraud alert would not be honored because the XXXX said the information was correct. No explanation how to dispute this finding. Are there any other ways I might be able to solve the XXXX XXXX XXXXXXXX or the Experian issues????

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 2024-06-29 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: GA

Complaint narrative:
My letters were opened by the credit reporting agencies and then returned with " refused '' labels. However my letters were received beacuse I received notifications that my disputes were open. It has been over 30 days

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 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I applied for a XXXX loan during the pandemic to fund my what was to be, hair company. I received the money through Chime from XXXX. I had access to the funds, and I tried to make XXXX purchase and the card was locked. When I tried to see why it was locked, they said it was fraudulent. I ended up sending them my ID, Birth certificate, XXXX, a bill with my mailing address and the loan application as proof. After all that information they still refused to open my account or to even return the funds to me. My business has now failed XXXX XXXX not in so much debt and this loan was supposed to help me. I just want the money back so I can pay off this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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:
I notice that there are late payments being displayed on my credit report on Transunion, XXXX, and XXXX. According to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.

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 2024-06-29 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: TX

Complaint narrative:
I notice that there are late payments being displayed on my credit report on XXXX, XXXX, and Equifax. According to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
I notice that there are late payments being displayed on my credit report on XXXX, Experian, and XXXX. According to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.

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 2024-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
Pursuant to USC 8, I owe no debt. I do not have a contract with Halsted financial. This company is violating my consumer right to privacy. I have never had an XXXX XXXX. This company claimed I made a XXXX dollar payment out of my checking account on XXXX/XXXX/2023. I have only made a XXXX payment to my XXXX XXXX account. See attached. It also has the name XXXX on the email and text message which I am not. This company keeps sending me threatening emails and text messages while I am work. I work XXXX jobs and am gone from XXXX XXXX  to XXXX every night 6 days a week. This is harassment to the highest degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I lost my job, called my credit card company and was offered reduced I interest and payments online for XXXX  months. I am planning on closing all my other credit cards and keeping this one until I get on my feet again. Shockingly I discovered my account had been closed. I reached out to the company and they said that that was part of the terms and conditions of the payment program. And that I was informed of this. I was never informed of this. I never wouldve agreed to it had I known that that was the terms and conditions because as I mentioned, I was planning on keeping only this card. Furthermore, they said they mailed me a letter its been XXXX  days since I made the arrangement I have received no letter whatsoever. I have called and asked them to reinstate my account and that was XXXX days ago. I just found out today that the person that I spoke to on that day said that they had submitted a claim or a request in my on my behalf and they actually never did anything. The woman I spoke to today submitted a claim and gave me a case number, but this is just XXXX doing everything that XXXX supposed to be doing in this situation trying to do the right thing and this company just keeps lying to me and Is being disingenuous, saying that I was read terms and conditions that I was not and I really need help

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 2024-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On the paperwork they sent me it says I purchased my car at XXXX XXXX XXXX XXXX  and I actually purchased the vehicle from XXXX XXXX in XXXX. The address on the application is false I havent lived at XXXX XXXX  at for 15 years. Theres a lot of incorrect info on this car loan. Theres some kind of scam going on between that dealership and other places. Look into this matter asap

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They have reported a 30 day late payment on my credit. When I called to verify customer service says that there is not a 30 day late payment. However it is reporting to my credit as such.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay.

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