vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
+ Payment - MyAccount ACH XX/XX/XXXX {$300.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$360.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$200.00} {$13000.00} and this is what I have paid they have the wrong amount on when it's supposed to be the remaining balance of {$69.00} plus an {$18.00} late charge fee which all of it comes out to {$87.00} due on XXXX and they have on hear another {$360.00} due on XXXX and I gave them {$300.00} on XXXX already and just owe {$87.00} they have not fixed the problem yet and I still see a balance on their of {$360.00} due XXXX when it supposed to be {$87.00} when I have already given them {$300.00} and I told the head manger name XXXX XXXX XXXX and even gave her just now the information with last month payment of {$360.00} which I paid on XXXX and when I click on the interest it said {$360.00} no late charge fee on it nothing and I sitting here telling that to the customer service Payment - MyAccount ACH XX/XX/XXXX. 
{$300.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$360.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$200.00} {$13000.00} and this is what I have paid they have the wrong amount on when it's supposed to be the remaining balance of {$69.00} plus an {$18.00} late charge fee which all of it comes out to {$87.00} due on XXXX and they have on hear another {$360.00} due on XXXX and I gave them {$300.00} on XXXX already and just owe {$87.00} they have not fixed the problem yet and I still see a balance on their of {$360.00} due XXXX when it supposed to be {$87.00} when I have already given them {$300.00} and I told the head manger name XXXX XXXX XXXX and even gave her just now the information with last month payment of {$360.00} which I paid on XXXX and when I click on the interest it said {$360.00} no late charge fee on it nothing and still, they are saying that I owe {$360.00} due on XXXX when I have already paid them money of {$300.00} and I just owe only {$69.00} plus {$18.00} and I just got off the phone with them and my XXXX XXXX went up because of them and their telling me like when I get an extension I have to pay for that but nobody never said anything to me when I have gotten an extension all that I was told like when I make my last finale payment in XXXX I will have to pay off that amount that I owe and since when have anyone has to pay for that extension. and not to mention that Westlake Financial is the worst business on XXXX XXXX XXXX and they tell me when I pay half of my car note it charges for late fee and interest but when I add money to my account it's going to let me know what the correct amount that I owe plus the late charges because I have done it before to where I put {$200.00} and it left me with the remaining balance of {$160.00} pass due and they still won't correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: AL

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, First Progress clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2023-09-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit 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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: TX

Complaint narrative:
I write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. 

Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments SEE ATTACHED DOC It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. 

It is clear that there are flaws in your systems or processes, as there should be no late payments recorded on these accounts. I maintain meticulous records of my payment history, and it is evident that the information you are reporting is grossly incorrect. I urge you to investigate this matter thoroughly to understand the cause of these discrepancies and take the necessary steps to ensure accurate reporting moving forward. 

These inaccurate late payments not only have a negative impact on my creditworthiness but also hinder my ability to obtain the credit I am seeking. I have sought advice from credit experts who have informed me that credit bureaus have a legal obligation to report accurate credit information. The inclusion of such erroneous data in my credit report is a clear violation of those legal obligations and is detrimental to my financial well-being. 

I want to emphasize the seriousness with which I approach this matter. The damaging effects of inaccurate negative information on my credit report are far-reaching, and I will not relent until these errors are rectified. I expect swift action from you to remove this inaccurate information without any further delays. Failure to do so will leave me with no choice but to explore all available legal options against both your organization and the reporting creditor. 

I kindly request that you provide me with written confirmation of the correction made to my credit report, along with an updated copy of my credit report reflecting the necessary amendments. I trust that you will handle this matter with the urgency and professionalism it deserves, as it is essential for the integrity of the credit reporting system and the rights of consumers like myself. 

I eagerly await your immediate response and a resolution to this ongoing dispute.

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 2023-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
EdFinancial is claiming that I can not access my student loans because of an active Borrower 's Defense case. When attempting to log into the website I receive the error code included in the attachment. I have reached a customer service rep twice and was told that I could not access the account due to the Borrower 's Defense case. I called StudentAid.gov and Borrower 's Defense, neither customer rep had heard of a servicer restricting borrowers from accessing their loans due to Borrower 's Defense.

The issue is that although the loans are in forbearance, they are still accruing interest. I need to be able to access my account to pay down the interest. My initial plan was to make a lump sum payment of half the loan balance on day one to accrue less interest. I planned to continue to pay down the loan as usual as Borrower 's Defense will issue refund checks if a loan is paid while under review. The Borrower 's Defense case will take until 2025 to be resolved so I am not accruing another year of interest while I wait for something that most likely will not lead to a discharge anyway. Every day that I can not access the account I am accruing interest and losing money. EdFinancial is robbing me and others ( issue is widespread on online forums ). They have released NO information on the issue.

To add to this it has been impossible to contact them and their CSR 's are not educated. Phone lines are backed up sometimes more than 400+ minutes. When you do get an answer they immediately hang up. The option to call back has worked for me only twice despite 2 weeks of daily attempts to contact them. They do not respond to emails and their online chat function does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-13 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: FL

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report related to the following accounts : Account name : XXXX Account Number : XXXX I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that pertain to these late payment entries : 1. Violation of 15 USC 1681a : These transactions and experiences should be excluded from my credit report as they involve interactions between the creditor and myself, and they should not be reported.

2. Violation of 15 USC 1666B : The creditor did not send me a statement within 21 days of my payment, which constitutes a billing error. Consequently, reporting these payments as late is inaccurate and a violation of my rights.

3. Violation of 15 USC 1681b : I have not given written permission for the reporting of these accounts to my consumer report. This is a violation of FCRA, which requires consent for such reporting.

Furthermore, FCRA mandates maximum accuracy in a consumer report according to 15 USC 1681e ( b ). The late payment entries on my credit report do not accurately reflect my payment history.

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 2023-09-13 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-13 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
About two years ago I received a letter from Wells Fargo Bank asking me if I received a settlement check already. I called Wells Fargo and asked them to send me the check. When I deposited in my XXXX account ( Wells Fargo is no longer my bank ), it was returned with a notice : Refer to Maker. For quite a while, I did not know where I had put the returned check. When I found it recently, I tried to cash it at XXXX, but there was something wrong. I then called Wells Fargo and verified that the check would be honored at a Wells Fargo branch. But when I presented the check to the teller, he called the checking dept and was put on hold for XXXX minutes before he was told that they could not verify the validity of the check. The next thing I did was file this complaint. The amount of the check is {$54.00}. I believe that Wells Fargo is attempting to avoid paying off this settlement by playing these games.

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 2023-09-13 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: AL

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit 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 non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
- Designated payments were calculated correctly by me to overpay the initial purchase amount by the expiration of the promo plan ( XXXX deferred interest ). 
When a 2nd purchase was made with a different total, different payment plan ( XXXX deferred interest ), different plan expiration and different purchase date ( Approx. 8 months later ), the balances were combined instead of kept separate -Because of the incorrect accounting methodology for keeping two different plans separate, Comenity Bank took my payment allocations from a totally different plan for the initial purchase and instead broke it up without my consent to cover an entirely different payment plan structure - Because of the accounting malpractice from Comenity Bank XXXX they are trying to penalize me, the customer, with thousands of dollars worth of interest and late fees. 
- All of the purchased item amounts have been fully paid off, and I am not responsible for paying interest due to internal accounting malpractices from Comenity Bank. 
- I have been trying to resolve this issue since XX/XX/2023, and have recently reported their practices to the BBB. I have raised this issue to the XXXX XXXX of XXXX XXXX where I made the purchases. 
- Comenity Bank is continuing to impose additional interest and late fees to this day, and have made no effort to correct their mistake, claiming that my disputes are " not valid ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2023, I went to the XXXX XXXX XXXX at XXXX XXXX in XXXX to pick up my prepaid mid-size SUV. When I got there, the place did not have any mid-size SUV. The booking reference number is XXXX and I prepaid {$440.00} USD with my Capital One Visa credit card. XXXX had committed to provide me with a mid-size SUV, but they did not provide the vehicle because there was none available. 

I was left to scramble and find another vehicle. I was able to take an XXXX from XXXX XXXX to XXXX XXXX XXXX where I was able to secure a mid-size SUV. 

After the trip, I open dispute case XXXX with Capital One to get a refund on my prepaid vehicle, but my dispute was denied because an employee at XXXX had change the record to say I was a " no show. '' I was not a " no show '' and definitely went to the location to pick up the vehicle. 

I have records that show I was in the vicinity and I needed a car. Please see the attached XXXX receipt from XXXX XXXX and my car rental agreement from XXXX XXXX XXXX. If I was in the vicinity and I needed a car, there is no reason for me to not show up, only to go get a more expensive vehicle at the airport. 

Capital One refuses to continue with the dispute unless I can provide a cancellation receipt. I do not have a cancellation receipt as I did not cancel. It is the car rental company that did not provide the service that they had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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