vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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: Self Financial Inc.
State: IL

Complaint narrative:
I have sent certified notices making self Lender aware that they are violating my " Consumer Rights '' under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give SELF LENDER written instruction to furnish any accounts on my consumer reports. 

Under Self Financial, Inc. Terms of Service ( Credit Reporting Services ), it states : " You understand that by accepting these Terms and Conditions you are providing written instructions to our third-party service provider, XXXX XXXX XXXX and its employees, agents, subsidiaries, affiliates, contractors, third party data providers, and all other credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), as amended, including XXXX, XXXX, XXXX and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. 

I gave self lender permission to access my consumer reports in order to verify my identity and to provide the Services to me as per their Terms of Service!

Furthermore, 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information, The language of the law states : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At the time this Self Lender credit account was opened, I was never given a nondisclosure notice explaining how to exercise my rights according to the above law to OPT OUT of having this account reported to the Consumer Reporting Agencies. 

Self Lender has caused me finical damages due to their negligence of not following the law and refusal to DELETE the following accounts ( Self Visa Credit Card ACCOUNT # XXXX ) & ( SELF LENDER INSTALLMENT LOAN : LOAN # XXXX, ACCOUNT # XXXX ) from my Consumer Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
THE XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the amount of {$330.00} CB INDIGO last reported a late payment on XX/XX/2022 for an account Im the amount of {$320.00} XXXX XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the account of {$810.00} XXXX XXXX XXXX  last reported a late payment on XX/XX/2022 for an account in the account of {$530.00} XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the amount of {$220.00} In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
My car insurance was canceled. I told XXXX XXXX I was going with another insurance company and they stated I still owed the money. I told them I didnt owe the money when my insurance got canceled. They tried to force me to keep my car insurance with them. They turned it over to a collection agency who now put it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank Of America - Date of Fraud Report XX/XX/XXXX. Attempt to contact Bank of America ten times between XXXX XXXX XX/XX/XXXX. 

I was a platinum honors client member of bank of America since XXXX and maintained a balance of {$200000.00} annually as a platinum honors client. I have always had a wonderful relationship until fraudulent activity XX/XX/XXXX. I have credit card and car loan with bank of America. 
I would ask that you please review all bank statements and police reports. I was able to withdraw my money at the BOA branch due to their review of the case and discussion with Bank of America fraud team. 

I am writing to provide the order of events for my XXXX bank of America accounts which were linked to a fraudulent account. They were able to go to online banking link my XXXX accounts listed below to their fraudulent account. It is shown that the fraudulent account had a starting balance XXXX. They linked accounts- fraud account with XXXX XXXX signature will not be on any of their active accounts with the exception of the withdrawal of my transferred funds. There is no record of signage from me on this account. Please check records. They live in XXXX XXXX California. I live in XXXX Virginia XXXX. They transferred funds Accounts - personal checking - personal savings-constant balance {$200000.00} XXXX. They withdrew funds at casinos. I was not notified XXXX. They transferred between accounts so it wouldnt look suspicious- I have been a platinum honors client and maintained a balance of over {$200000.00} since XXXX. 
I have continued to work with Bank of America for ALL of my bank accounts this includes - Business Banking - Personal Checking - Personal Savings However all of them were compromised and now my claim has been denied. My previous accounts with Bank of America were compromised in XX/XX/XXXX. This caused me to switch my drivers license and open new accounts completely. 

Bank of America has failed to protect my account twice in XXXX. 
This includes the fraudulent activity XX/XX/XXXX and XX/XX/XXXX. I was not notified about either account activity People involved in the investigation XXXX XXXX Detective XXXX XXXX XXXX XXXX : Case # XXXX. 
BOA XXXX Representative XXXX XXXX phone number XXXX inappropriately filed claim BOA Fraud Representative Supervisor 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 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Marcus by Goldman Sachs bought out the GM credit card and took over the operation of the card. Once they took over the account i have paid every month in full and NEVER carried a balance. Even though the balance has been paid in FULL before the DUE DATE Goldman Sachs has charge an interest payment every month. this was not part of my original agreement with GM card. I tried calling and resolving this two time and ws told even though i paid the balance in full an interest charge will occur every month how???? 
please call i have all documents thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
Company is deliberately trying to take my house by not responding to my correspondence in a timely manner. There my mortgage payment keep getting hire and hiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
This Collection agency credit control corporation have been doing illegal activities before any legal matters get involved I would like to resolve this matter by them being removed from my consumer report. Credit control Corporation XXXX # XXXX Has been removed from 2/3 Credit Reporting Agencies due to its inaccuracies.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Below will be attached an FTC Report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: DISCOVER BANK
State: NV

Complaint narrative:
This relates to the consumer credit transaction that was started on XX/XX/2021, and completed by signing an agreement with your financial institution. in accordance with 15 USC 6827 ( 3 ) Any information, regardless of format, is considered a document.

According to 15 USC 6801 ( a ), Financial Institutions must advise Consumers of their information sharing policies and give them the option to refuse certain sharing. 

Without providing me the chance to decline, your institution provided XXXX, XXXX, and XXXX with my nonpublic personal information for the above consumer credit transaction. 


The consumer report will not contain any information shared among people associated by corporate control or related by common ownership, in accordance with 15 USC 1681a ( d ) ( 2 ) ( ii ).

Furthermore, according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), the consumer must be informed in a clear and conspicuous manner that the company may share other information with individuals who are related to them by common ownership or corporate control, and they must be given the chance to request that the information not be shared with those individuals.

Therefore, your organization has broken numerous federal laws in addition to violating my right to privacy. delete the information from my consumer report that is listed below. 
Account number : Discover Bank charge-offs : XXXX If you grant my request, I won't take this situation to the next level and file a federal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TransferWise Ltd
State: CA

Complaint narrative:
CFPB On XX/XX/XXXX, I tried to transfer {$2000.00} from my XXXX XXXX XXXX XXXX ( also known as XXXX, XXXX XXXX  number XXXX ) XXXX  account  to my Wise ( also known as XXXX XXXXXXXX XXXX XXXX, XXXX XXXX number XXXX ) checking account through XXXX. 

Unfortunately, the Wise account information listed XXXX things called Account number. I figured out later that one was for XXXX and XXXX was for XXXX. Since they both were just called Account number, I chose the wrong one. When my transfer didnt show up after a week, I started contacting both banks, each of which told me that there was nothing they could do and that I should contact the other bank. Its been XXXX months. 

XXXX attempted to contact Wise and nothing came of it. XXXX provided me a proof of payment with Dates, Destination routing and account numbers, and a trace number. I sent these to Wise over a month ago. I had attempted a smaller transfer a few days earlier that ended up getting returning. XXXX told me : You can contact Wise and provide them with the destination account number and routing number so they can use the trace number to locate it. You can also mention that you transferred to it on XX/XX/XXXX and it was returned for account frozen. The XX/XX/XXXX amount was sent next and it was delivered successfully. That indicates the account was unfrozen between XX/XX/XXXX and XX/XX/XXXX. 

So XXXX confirmed that the money got transferred successfully to Wises routing number. 

The most recent email from Wise after yet another week or more of delay says : Since the funds are being sent from your XXXX bank, and the recipient details are incorrect, Wise will never receive the funds. Because of this, we can't trace them, nor can we trace incoming payments that would arrive to us otherwise. 

Since I correctly used their routing number, as confirmed by XXXX, it seems unlikely that they were not the ones to receive the funds. This directly contradicts what I was told by XXXX. Nobody can find the money. 

My understanding of the friction and delays in the XXXX system is exactly to allow honest mistakes like this to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Defamation of Character

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 2022-12-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am intrested in disputing all unauthorized information on my credit report with Equifax. checking my file ive noticed alot of invalid information. this stopping me from approvals an moving forward. please update all information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
Unauthorized inquires made on my credit 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 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Per settlement agreement Credit Acceptance is reporting inaccurate and discrepant information to all three credit bureaus in violation to our signed court agreement.

They also provided me with a incorrect Audit document with erroneous and discrepant information that is not mine as it relates to personal information. 

They are in violation of our original NDA. They are reporting the STATUS on XXXX, XXXX, and XXXX as Paid, Voluntarily Surrender when the Status for Acct should only show PAID - SETTLE PER THE NDA THAT WE SIGNED.

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 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
We are not able to have our payment applied so that we can continue to use our card for food and gas. I cant understand why the payment is considered large when its less than {$4000.00}

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 2022-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc.
State: GA

Complaint narrative:
I currently have a car loan with XXXX XXXX and my payments are on time. Since I got this loan and was a day late on payments, I continue to receive phone calls, every single day at all times of the day. It is harassment at this point. I have already asked them to stop and it continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX. I made a payment to America express. 

America express only applied {$1100.00}. I have been calling so they can applied the right amount and they continue saying that it was a mistake and they were going to fix it and we still waiting for them to fix the issue. it has been a month from them collecting interest on an amount that was payoff. 

This is not right i do not own them anything i want the money back or the money to be apply to the balance. I attached the whole statement to prove it. 

Also they advised that they were going to give me XXXX miles when i spend XXXX dollars when i called they told me i had a chance to get it until XX/XX/XXXX. them they told me it was too late that was only until XX/XX/XXXX that is false advertising. i want this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in disputing alot of unauthorized information on my credit report with transunion that is hindering my file. checking my credit profile ive noticed alot of invalid information. this is hindering my file an stopping my approvals. please update all of the information requested.

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 2022-12-13 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: PA

Complaint narrative:
called the company twice no change

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 2022-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account XXXX showing on my consumer report, associated with XXXX. Advised by XXXX  I have been removed from Financial Responsibility.

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 2022-12-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Account XXXX showing on my consumer report, associated with XXXX. Advised by XXXX  I have been removed from Financial Responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized inquires made on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
Unauthorized inquires made on my credit 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 non-monetary relief