vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX ( Original complaint ) To Whom May Concern, Im writing in regard to 2 of my credit cards with XXXX  XXXX. The XXXX XXXX credit card accounts ending in # XXXX and XXXX XXXX XXXX XXXX ending in # XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus Transunion and XXXX. I spoke with both Transunion and XXXX to confirm, I was told that the accounts are not being report to them and to call XXXX XXXX to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre two different departments. The letter stating that the XXXX XXXX XXXX is being reported, the other letters for the XXXX XXXX  stated they wanted me to send more information proving that its not being reported. I sent XXXX XXXX a full credit report providing them with highlight details showing nether XXXX of the credit cards on the credit reports. I also have another XXXX credit card with XXXX XXXX a XXXX account I provided as well showing that account is being report, just to prove that the other XXXX are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its XXXX XXXX not reporting or it's Transunion or XXXX, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. Thank you! 

As of XX/XX/XXXX I recently received a copy of my credit report and the credit cards that I sent a complaint about are still not reporting to the credit bureau XXXX and Transunion. I was send a correspondence from XXXX XXXX stating within 60 days those accounts should be reporting. Ive been going back in forth with this issue for three months now. At this point XXXX XXXX still has not done their job because why is it taking this long Ive have these cards for years and Im not sure what occurred for them to stop reporting. I would like an explanation as to what need to happen next. 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 2023-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I took out a series of high-interest internet loans with OppLoans, assuming since I was able to get them they were legal. I recently discovered that the loans are not legal in my state per the Virginia Fairness in Lending Act of XX/XX/2020. This loan violates the law due to : - a lack of company licensing in Virginia ( neither they nor their stated access partner, XXXX XXXX XXXX, is licensed )- an excessive loan amount ( XXXX XXXXXXXX the maximum allowed per law is {$2500.00} ) - excessive interest rate ( 160.87 % ; maximum allowed by law is 36 % ) The Fairness in Lending Act also states that any loan made in violation of the law is void. " Any loan made in violation of this section is void, and no person shall have the right to collect, receive, or retain any principal, interest, fees, or other charges in connection with the loan. '' I want the loans removed from my credit history since they were illegal. https : XXXX? XXXX XXXX : I took out a loan XX/XX/XXXX under the terms above. 
I took out another loan to pay that one off XX/XX/XXXX, also under the same terms. 
More loans taken out, each paying off the previous and having the same terms : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, I reached out and asked for assistance with the overwhelming interest rate. No one responded. 
In XX/XX/XXXX, I discovered the Fairness in Lending Act ofXX/XX/2020, which made the loans all illegal and unenforceable. I called OppLoans to inform them, but they did not agree to help me. 
On XX/XX/XXXX, I sent them a " cease and desist '' letter. 
The responded on XX/XX/XXXX, but again disagreed. 
On XX/XX/XXXX, I filed a XXXX complaint. They responded, unwilling to help, on XXXX XXXX and again on the XXXX. Today, XX/XX/XXXX, I am filing complaints with the FTC and CFPB. I plan to follow up with my state 's Attorney General next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the XXXX  below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the Dropbox below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
I contacted GENESIS CARD SERVICES several times about these two FRAUDULENT indigo and destiny accounts on my credit report are STILL here. I have never lived at the addresses associated nor authorized anyone to open anything with my information. When I spoke to them on the phone I was very clear and told them my name and social and also made them aware my information has been part of data breaches by XXXX and XXXX. Also the account number in their responses to me is NOT what is on my credit report at all. One account shows closed the other shows open but the account numbers remain the same on all 3 credit reports in which NEITHER was opened by me. The account says it ends in XXXX from destiny card / genesis. This is unethical on their end and absolutely NOT okay. I do not know what type of company this is, but this is absolutely madness and very much unethical practices. There is no reason I should have to keep repeating myself and having foreign representatives with language barriers constantly tell me the wrong information continuously after I have very CLEAR. I am attaching EXACTLY what is on my credit reports because it seems these people are playing games with my livelihood at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is my 5th attempt requesting the removal of inquiry that I did not authorize To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXX and/or TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 15 usc 1681 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Unauthorized Inquiries 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 2023-09-22 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: LA

Complaint narrative:
This is my 5th attempt requesting the removal of inquiry that I did not authorize To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 15 usc 1681 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello, my name is XXXX XXXX. I am writing you today. Because I have been experiencing this issue for about over a year and a 1/2. I've been trying to get into an apartment with me. And my children are unable to do so Due to my credit being checked and coming up as a minor or there is an error on to my account. Giving no credit score or giving no further information. Now I have contacted all 3 bureau 's. And they are giving me the same information and I keep on coming across this problem. We're now in 2023, and I'm still experiencing this problem. I'm asking if we can please check further into this so we can get this resolved. It is stopping me from employment also and I need to be able to provide for my family, 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, my name is XXXX XXXX. I am writing you today. Because I have been experiencing this issue for about over a year and a 1/2. I've been trying to get into an apartment with me. And my children are unable to do so Due to my credit being checked and coming up as a XXXX  or there is an error on to my account. Giving no credit score or giving no further information. Now I have contacted all 3 bureau 's. And they are giving me the same information and I keep on coming across this problem. We're now in 2023, and I'm still experiencing this problem. I'm asking if we can please check further into this so we can get this resolved. It is stopping me from employment also and I need to be able to provide for my family, 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 explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: MN

Complaint narrative:
The new XXXX plan was announced. Both my and my husband were on XXXX and have now been placed on XXXX. Now our payments are double what they were - {$1300.00} a month. We can not afford this and the dept or education website indicates our payments should be {$400.00} using their calculator with our IRS data. 


I have tried calling Mohela five times. Each time spending XXXX minutes on hold. Cant get someone on the line. I emailed and got a message back saying to call. 

They want to charge us {$950.00} more for our loans than what the department of education says. I cant not pay the loan or it will damage my credit. This entire process has been ridiculous. I have wasted XXXX hours of paid time off trying to deal with the mistake of Mohela and dont know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
I have been a very long term loyal customer of Hyundai and KIA. I have leased or purchased 7-8 Of their vehicles over the last several years. I have been very happy until now. 
Last month I was a victim of a hit and run accident on the freeway which totaled my leased XXXX XXXX. I was on payment 30 of 36. My payoff on my account shows XXXX for insurance claim. My insurance company paid XXXX which is the XXXX they determined of XXXX deductible. Which means I should get a refund of XXXX. XXXX XXXX. Thats how this works in my world. Instead, I get a call that I owe them another {$500.00}??!! What?? They say its for my deductible. They tell me when a leased vehicle is totaled they dont go by the payoff. They apparently can just come up with whatever number they want. Whatever the Insurance company sends them they can say, YAY! I will keep that!! Well thats absolutely ridiculous. I maybe could understand if I had just bought this car but I made all but 6 of the payments which is reflected in the payoff. If I had bought this vehicle and not totaled it this is the amount I could have purchased it for. Whats the difference? I was expecting I would receive a refund to offset some of the down payment I had to place on my new vehicle. We live in different times right now as far as vehicles go. To just be able to come up with whatever payoff you want if a car is totaled is absolutely ridiculous and should be illegal. If its in soma fine print somewhere nobody Pointed it out or nobody would lease m. Its ridiculous. Why would I want a higher claim against my insurance than what I know I owe on a vehicle. Makes zero sense and this company is taking advantage of insurance companies. 
I sure hope you can help rectify this situation. I sincerely appreciate your time. I can attach my account showing my payoff that was through XX/XX/15. As well as my insurance company documents. The first rep from your company told me that I shouldnt be able to see what the insurance company buyout quote was so she was going to make a ticket with IT. Thats very shady if you ask me. Cars are far more expensive now than they were 2.5 years ago when I bought this vehicle. I cant buy the same vehicle for the same amount of money. My payment on my new vehicle is almost double. 
Thank you for your time!

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 2023-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Halstead Financial Services repeats daily calls to me from numerous phone despite me demanding every time that they stop calling me. They have used the following telephone numbers : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: OK

Complaint narrative:
This information was reported incorrectly on my credit report without my consent please remove it from my report

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 2023-09-22 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: IL

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
Consumer complaint received 2023-09-22 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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:
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 inst

ructions 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 explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Upon facing unemployment, I encountered difficulties in servicing my monthly financial obligations. In an endeavor to rectify the situation, I initiated communications with the credit card institution with an intent to negotiate a settlement that would allow for more manageable payments. However, with each discussion, I was met with a different justification for why such arrangements couldnt be accommodated. I was informed about a hardship program the institution had in place, which I pursued with the aspiration of settling my debt with them. Despite my repeated attempts, the institution consistently rejected my propositions to settle the account. The sole resolution offered entailed adhering to a month-to-month payment schedule, which would inevitably extend beyond the initial promotional interest rate period. 

Upon the expiration of this promotional period under the hardship program, not only would the outstanding principal amount be due, but the accumulated promotional interest would be capitalized, exacerbating my financial encumbrance. In an attempt to avoid the accrual of additional interest, I proposed to settle the outstanding amount using another credit card. This proposition was declined due to certain purported regulatory restrictions. My primary objective was to ameliorate my financial position by extinguishing this debt, thereby circumventing further interest capitalization. However, the institution seemed fixated on prolonging a payment schedule that would yield them additional interest revenues, contrary to my interests of achieving a swift and less onerous settlement. The inflexibility exhibited by the credit card institution impeded my efforts to ameliorate my financial circumstances, thereby leaving me ensnared in a protracted monthly payment arrangement, which I found to be quite unfavorable.

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