vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I made a payment for my Lowes credit card I received my confirmation email stating I had made my payment. On XX/XX/XXXX I received an email stating that my payment was processed. My bank statement reflected the payment was processed. On XX/XX/XXXX I received a call from the company that I had NOT made my payment and it was now late. I tried to reason with the company letting them know I had bank proof and email proof to show I made my payment on time. They were unable to help me and I was forced to make a second payment for the month of XXXX. On XX/XX/XXXX I once again made my payment and received my email confirming my payment. On XX/XX/XXXX I received a email stating the payment was processed. This morning XX/XX/XXXX I noticed they charged me again and an email stating I was enrolled for autopay. When I saw this logged into my synchrony account and ONLY used the chat box to ask for the customer support number to give them a call. I tried explaining all this to customer service agent and verified everything I mentioned above. The agent was unable to help me and so I asked for a XXXX. The XXXX continued to insinuate that I made those extra charges and auto pay enrollment. I mentioned to her OVER AND OVER AGAIN that I did not make to authorization which is why I was calling in the first place. They were unable to help me either or give me any explanation for double payments and enrolling me without my consent to autopay.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, 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 filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, 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 filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
This account, dating back to 2018, has been reflecting on my credit report for five years, even though the full payment of {$1100.00} was made. Although Bank of America assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit Bureau is reporting an unverifiable public record on my credit report. I have submitted disputes along with documentation indicating this removal from my XXXX consumer file, yet the Credit Bureau is refusing to remove it. I have repeatedly requested the method of verification have not been provided it.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
Transunion is reporting accounts to my credit without proof of Authorization XXXX - Credit Reporting Agencies Give a complete statement of the facts, with dates In accordance with the fair credit reporting act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXXXXXX XXXX XXXX Acct. # XXXX Tennessee Department of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX has violated my rights 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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of debt at any unusual time or place known or which should be known to be inconvenient to the consumer 15 U.S.C 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector may knows or has reason to know that the consumers employer prohibits the consumer from recieving such communication 15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number

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 2023-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I wrote a letter to company asking them for proof of debt company has yet to provide proof company then got me served I responded to service. Never got a response back company was aware I was in hardship and still tired to continue. Then company garnished my checks. I do not owe this company but they are still reporting to my credit I want the, removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
XXXX has refused to provide proper documentation to verify the information on file. 
They have also refused to provide how the information was verified. 
They refused to conduct the investigation within the 15 day timeline. 

XXXX needs to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been removed from XXXX XXXX and Innovis it should not be in my credit report at all it should be deleted since they claim they use this 3rd party service Innovis XXXX XXXX and XXXX XXXX has a bad address. This is not my account it should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I voluntarily surrendered my vehicle to Exeter Finance in XX/XX/2023 and after the vehicle was sold, I had a remaining balance of {$22000.00}. On XX/XX/2023, Exeter Finance accepted a settlement offer of {$10000.00} to be paid by XX/XX/2023. I paid the {$10000.00} on XX/XX/2023 and disputed the account twice with XXXX, XXXX XXXX XXXX to update the account status, balance & comments and both times, it came back that Exeter has verified that I still owe a balance as of XX/XX/2023 and will not update that the account has been paid with a XXXX balance. It is now XX/XX/2023. I have contacted Exeter three times as I have not received a letter to state that the account has been settled and I have a XXXX balance. Each time I contact Exeter to request this, they inform me that it will take 48 - 72 hours to receive this via email and weeks have gone by and I still have not received anything from Exeter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have requested repeatedly for the company XXXX XXXX and also XXXX, XXXX, and Transunion to validate the debt that keeps sending to me claiming that I owe. I have since sought legal counsel since my requests are going ignored which is a violation of my rights as a consumer. This company XXXX XXXX is not licensed to collect in the State of Tennessee. I have asked for them to repeatedly send their licensing information to prove that they are licensed to be contacting me about paying a debt. I have also asked all 3 credit bureaus to validate this debt. I can tell that a proper validation was not done because if they did they would know that this company can not pursue debt buyer and debt collection activities in my state of residence which is Tennessee. I have attached all paperwork for review of XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # 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 non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have requested repeatedly for the company XXXX XXXX and also XXXX, Equifax, and XXXX to validate the debt that keeps sending to me claiming that I owe. I have since sought legal counsel since my requests are going ignored which is a violation of my rights as a consumer. This company XXXX XXXX is not licensed to collect in the State of Tennessee. I have asked for them to repeatedly send their licensing information to prove that they are licensed to be contacting me about paying a debt. I have also asked all 3 credit bureaus to validate this debt. I can tell that a proper validation was not done because if they did they would know that this company can not pursue debt buyer and debt collection activities in my state of residence which is Tennessee. I have attached all paperwork for review of XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I would like to file a complaint regarding a recent experience with Synchrony Bank and XXXX regarding two failed XXXX transactions and the subsequent inability to retrieve the funds. Here is a summary of the events : On XX/XX/XXXX, my wife and I set up XXXX joint CD accounts with Synchrony Bank under my wife 's profile. We linked my XXXX savings account as the external account and initiated two ACH transactions, one for {$20000.00} and the other for {$30000.00}, to fund the CD accounts. 

However, on XX/XX/XXXX, we received emails from Synchrony Bank stating that both transactions had failed. We expected the funds to be returned to my XXXX savings account, but after several days, the funds had not been credited back. 

Upon contacting Synchrony Bank, we were informed that due to the CD accounts being under my wife 's profile, only she was authorized to make deposits into them. Therefore, my funds were rejected for deposit. Synchrony Bank attempted to return the funds, but their policy prevented them from doing so because I, as the sender, did not match the intended receivers ( my wife and me ). They advised me to contact XXXX to request an ACH return. 

I contacted XXXX and initiated a dispute. However, after their investigation, they found that the ACH transactions were successful and stated that they had no reason to request an ACH return. I relayed this information to Synchrony Bank, but they maintained that the only solution was for XXXX to request the ACH return. 

Despite multiple attempts to resolve the issue with both XXXX and Synchrony Bank, neither party has been able to provide a satisfactory resolution. This has left me in a frustrating situation where my funds are stuck between the two institutions, with neither taking responsibility or providing a viable solution. 

I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to help facilitate a resolution to this matter and ensure the return of my funds. Thank you for your attention to this complaint.

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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2023. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Today, I received notification from Experian that a new address was being used with my Social Security Number. Unfortunately, I have never been associated with this address, which is now listed on my credit report. After further investigation, I discovered that an account was opened with my SSN using XXXX 's " XXXX '' financing affiliate. I contacted XXXX and was informed that three loans were approved in my name totaling over {$3000.00}. The largest loan was used to purchase XXXX equipment through a company called XXXX. Interestingly enough, I was told by the XXXX representative that a direct debit was set up to pay for the fraudulent loan but payments were recently stopped. The card that was used is not a card I ( or my wife ) have ever owned. So far, only one of the XXXX loans is currently listed on my Experian Credit report. Additionally, the fraudulent address ( XXXX XXXX XXXX, XXXX, NC XXXX ) is only showing on my Experian 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 2023-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On or about XX/XX/XXXX I received a letter from Resurgent/LVNV Funding telling me that my credit card account balance with XXXX XXXX XXXX had been turned over to them, and they were demanding payment. I called Resurgent/LVNV Funding wanting to know how they got my name and address to start with, since I did not owe anything to XXXX XXXX XXXX XXXX I explained that the XXXX XXXX XXXX card I had, had been reported lost on or about XXXX or early XX/XX/XXXX. I then requested Resurgent/LVNV Funding provide me with all documentation from the original creditor, XXXX XXXX XXXX XXXX showing where all the disputed transactions were made along with the date and that they were incurred by me. They failed to do so and/or refused. 
On or about XX/XX/XXXX I received another letter telling me my account had been placed with Resurgent Capital Services and demanding payment. I called and once again explained that the card had been reported lost and that neither XXXX  XXXX or Resurgent/LVNV Funding had never provided me with any documentation from the original creditor, XXXX XXXX XXXX , that the disputed charges were even mine and further explaining that I had spoken at length with XXXX XXXX XXXX after I reported the card as being lost and would pay XXXX XXXX XXXX for the charges which I knew I had incurred and in fact I demanded XXXX XXXX XXXX provide me with all documentation showing any and all transactions on the account at the time and XXXX XXXX XXXX failed never responded to my request. Resurgent/LVNV Funding told me they did not have to provide what I requested and informed me I could lose my house or my car if I did not pay them. 
I then demanded once again they provide me with proof this was my debt and further demanded they cease all communication with me until such time as they provided me with the documentation I requested. LVNV failed or otherwise to refused to provide the documentation requested, and are currently suing me in court on a basis claim further harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

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