vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I initiated a phone call to XXXX XXXX XXXX XXXX. I informed the agent I wanted to pay my XXXX which was {$260.00}. The agent then advised me that I have an upcoming payment on my Victoria Secret Credit Card. I explained to the agent I have an automatic payment on that account. She advised me okay and would take the payment of {$260.00}, I was provided a confirmation number for the payment XXXX. The phone call took longer than usual to do a payment by phone, I even asked the agent if everything was okay, she said yes. I went about my day after I hung up with her. 

Yesterday, morning XX/XX/2023 I was devastated to find out the woman made an unauthorized payment of {$1800.00} to Victoria Secret credit card. I immediately called Victoria Secret to advise this was NOT authorized. I began calling at XXXX and did not end calling until XXXX to get this resolved. They advised me if it was their fault, it would take 18 days for me to " possibly be reimbursed. '' If the managers would have pulled the calls, they would have heard me on the phone NOT GIVING AUTHORIZATION FOR THIS. One agent did advise me, that I could go to my bank get a letter from the bank on the bank 's letterhead showing that the funds were taken, and I did not put a stop payment on the funds ( my bank could not do that anyways because it was an electronic payment ). I had the bank fax XXXX XXXX confirming the information. As of the writing fo this report I have not heard back from the credit card company. Thankfully, XXXX XXXX has opened a claim in regard to my money being taken from my checking account. However, I am a single working mom, and this was all my funds I had in my account to prepare my child for school. I need help with this matter as I feel what the agent did was not only morally wrong but illegal as well. If I would have done this, I would be facing charges in California. I had to miss a day of work to make phone calls and go to my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03 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: LA

Complaint narrative:
My name is 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 personal information. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I noticed several charges that were showing in my banking app with fifth third bank. I immediately disabled my debit card and called them. The bank was closed so I had to wait until the next day to report these charges that I did not make or in any way authorize to be made. I spoke to a bank representative who was nice and polite, and I explained that I did not make these charges. He told me not to worry and I would receive a temporary credit in the next few days while an investigation took place. The following day I went into my app to check my balance as I still had over a XXXXXXXX XXXX in my account and needed to pick up a few things for my children. I was not able to access my account, so I called the bank and was connected to the fraud department. The representative was very hostile and informed me my account was closed and I was deemed a fraud risk and I could not access my money and I would receive a check in the mail within 30 days. She also told me my claim was denied and I would not be getting my funds back. The bank made this decision within 24 hours without any investigation. The following day I went to the bank to speak to someone who could help I spoke to a manger who was doing everything he could to help me. He attempted to open a new account and move my funds but was not able too, so he called the fraud department and was told I was blocked from ever having an account with them ever again. After he hung up with the fraud department, he explained that this is common with claims that involve XXXX  app. He said that all claims were denied involving XXXX  app and I would have to fight for my funds to be returned. That same day I filed a police report and contacted a lawyer for fair shake to get advice. The electronic fund transfer act requires a financial institution to give the victim a temporary credit no longer then 10 business days from the date the theft was reported. I did not receive this credit in the time frame stated by federal law. My credit card payments i had made were returned, leaving me with fees and potentially damaging my credit, which I feel was on purpose and vindictive. Due to the bank and its fraudulent practices me and my children will face a struggle and potential eviction as my rent money is gone and were left with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: GA

Complaint narrative:
I was just looking over my credit report and found some addresses that appear to be incorrect. I have the right to have the correct information on my report. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed below, ( which I would like removed please ) : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is { XXXX XXXX XXXX XXXXXXXX XXXX  XXXX }. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : 1. XXXX XXXX 2. XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, 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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I submitted a fraud dispute through Bank of America because my card was used fraudulently. They gave me a provisional credit back in XXXX for {$270.00} I believe. They reversed the charges and my account was in the negatives. I called to speak to a representative to try to reopen the case in XXXX or early XXXX because my card was actually used fraudulently. I asked how long did I have to pay the money back? Because they were not trying to reopen the case. I was told that my account would stay open forever until I paid it. I was attempting to get the case reopen until I received a letter in the mail stating that my account was closed and XXXX be reported to 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 monetary relief
Consumer complaint received 2023-08-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is 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 personal information. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One Auto Finance is contacting people that are not on my loan or that are not associated with the loan and whose phone numbers are not associated with the loan. Constantly harrasing trying to get payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is my 2 time requesting an investigation for my consumer report. The account XXXX XXXX is reported inaccurately. It has left a negative derogatory remark and It states that I am a co borrower in which I never consented to any such loan. The late payments being reported are also inaccurate because they are different with each credit reporting agency. According to the FCRA you are required to report accurate information to insure the validity of my consumer report. Title 15 USC 1681 ( i ) a reinvestigation of the disputed information shall be performed and the account shall be removed due to inaccurate information.

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 2023-08-03 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: GA

Complaint narrative:
I was just looking over my credit report and found some addresses that still appear to be incorrect. I have the right to have an accurate report. I've enclosed documentation providing proof of my current address, as instructed to do on your website. I have tried to get it corrected before and still nothing has been done. Heres a list of the incorrect addresses that I am currently seeing listed below, 1 ) XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX There should only be one address on my report, that is : XXXX XXXX XXXX XXXX, Ga XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated 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 2023-08-03 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: GA

Complaint narrative:
I have submitted my documentation in regards to identity theft multiple times. No matter how many representatives tell me over the phone that the documents are valid and accurate, the items are still on my report. I have been mailing in and uploading documents since XX/XX/2023 to no avail. The reps are mean, rude, short, and just not helpful at all. Ive requested to speak to a supervisor over and over for the past 2 months. I have yet to speak to one. The reps place me on hold, come back to the phone, and say a supervisor will call me back. I have yet to receive a call back since XXXX after requesting a call back at least 6 times since then. Today is XX/XX/XXXX. These items have ruined my reputation. I had no idea these things were on my report until I was denied from an apartment complex. I have been in and out of hotels, and sleeping in my car in between. I dont know what to do anymore. Someone please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute XX/XX/XXXX with XXXX  and XXXX, equifax on some items that are showing on my credit report incorrectly. 

XXXX showing XXXX status shows open : I told them to provide me with a copy of my signed contract with this company as I have no knowledge of them or this amount and I have no open account for this amount. They responded in a few days that it meets Fcra requirements and closed my dispute. I have the right to see what this is and why its being reported this way. My guess is this was sold from an orginal creditor which i thought was against FCRA regulations, on top of it all the information is not accurate and I asked it be removed from my credit report. 

The other item was XXXXXXXX XXXX  in the amount of {$500.00} also showing opened as of XX/XX/XXXX, again no proof was provided to me, however i did get a 1099c a few years ago around this amount, and if it is the same account they its already been claimed on taxes and can not continue to ask me to repay this to a company I dont even know who they are, or if this is the same debit. This needs to be removed also from my credit report. 

Lastly is XXXX XXXX. Due to Hurricane Ian back in XX/XX/XXXX national emergency i applied for a forbearance with XXXXXXXX XXXX  they told me i didnt have to pay the mortgage for 3 months and the balance would be added to back end of my mortgage, once the forbearance was done they reniged and told me i had to pay it back. So they added to my monthly payment going foward which i have paid on time each month, so I have been current based on their agreement, yet its reporting negativly on my credit report. This needs to be update as not being current XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account was put on hold for no apparent reason. I called and was told there is nothing to do and I have to wait 2 days. I need access to my money now and the agent did not offer me a way to accelerate or resolve. Holding my money ransom for two days is not acceptable to me.

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 2023-08-03 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed several unauthorized inquiries. I have tried to dispute these unauthorized inquiries via phone and letter several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
In review of my credit report in XX/XX/XXXX I discovered a negative debt of XXXX owed to a company that I had never heard from or knowingly done business with, so I disputed the debt. A few weeks later I received an alleged debt validation letter in XX/XX/XXXX from a debt collector who purchased the alleged debt in XX/XX/XXXX. 

They claimed to have a debt owed by an original creditor that I ended service with in XXXX when I switched carriers. I have emails and chats showing I left XXXX in XX/XX/XXXX. The debt they allege I owed was from a date range XX/XX/XXXX. This was not a debt they verified, but they are still reporting on my credit reports. 

They violated the following Fair Debt Collection Practices Act 1692-1692p. : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- IT WAS 7 MONTHS AFTER THEY FIRST REPORTED RECEIVING THE DEBT. THEY BEGAN REPORTING TO THE CREDIT BUREAUS WAY BEFORE THE NOTICE EVER CAME.

( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector : See ATTACHMENT THE ONLY LETTER RECEIVED DOES NOT SHOW ANY STATEMENT This was the first notification I had ever received by Source Regional Management for any debt. No reason was given for why they failed to notify me. 

805. Communication in connection with debt collection Would hang up on me when I called to get more information because I refused to provide personal information to them.

807. False or misleading representations They claim that XXXX is a client in the validation later. Does not say they represent XXXX, or a law firm or anything else. 

Seems intentional by the debt collector. 

I called twice and needed to have clarity on how they think this debt is mine, but have not received consistent, clear or respectful communication with them. I had the right to say the debt was not mine and to not provide you with personal information. You were asked to further verify that this debt was mine and you hung up on me.

They have no interest to reasonably resolve this professionally, so I filed this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Wrongfully using the kill switch, loan amounts are incorrect along with payoff amounts.

Company response to consumer: Closed with explanation