vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX Account # XXXX, Has violated my rights. 

15 USC 1681 : SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S 1605 DETERMINATION OF FINANCE CHARGE : Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 


CREDIT ACCEPTANCE CORP XX/XX/XXXX UNTIL XX/XX/XXXXXXXX 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 2022-10-11 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: AZ

Complaint narrative:
I disputed this account on XXXX and I haven't got a response. this account needs to be deleted. it has already been non verified by other companies and deleted. so Experian has to delete this by law. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) - Account # 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. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.

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 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: AR

Complaint narrative:
COMPLAINT # XXXX IN CORRESPONDENCE FOR MORE TIME ON THE FIRST COMPALINT TO THIS CORPERATION 30 DAYS IS ENOUGH TIME TO FIND THE ALLEGED DEBT THAT HALSTED HAS HARRASSED ME ABOUT OVER AND OVER AGAIN.

IT HAS COME TO MY ATTENTION IT HAS BEEN OVER 30 DAYS AND YOU ARE TO BLOCK AND DELETE THIS INFORMATION IMMEDIATELY DUE TO VILOATING MY RIGHTS AND BEING THAT I DID NOT DO BUSINESS WITH SAID ENTITY HALSTED IS NOW IN DEFAULT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: GA

Complaint narrative:
I Recently reviewed a copy of my credit report, i was shocked to learn i have been a victim of identity theft, i found numerous accounts on my credit report that was not open by me, this has been hurting me, please remove from my credit report as soon as possible

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 2022-10-11 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Deinde Online Services, LLC
State: OH

Complaint narrative:
This company is calling me & leaving voicemails all day every day. I have 3 just from today 2 from yesterday & 3 from the day before they have been doing this for months I block the number & they spoof it to make it look like its someone calling me from my area. It is illegal to call more than 7 times in a 7 day period & they should not be calling me after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
Axos bank has frozen out account without any explanation other than we don't meet their requirements. I have tried multiple times to find out when my funds will be released back to me. They froze our account on XX/XX/2022 without any warning or explanation. They would not unfreeze the account so I could wire funds out. They stated our funds would be sent via check within 3 to 5 business days. I called again today on XX/XX/2022 since we are over 10 calendar days since they froze the account. I have requested a manager to call me back 4 times now and no one will return my calls or emails. The representative based out of XXXX stated the same thing that its in management and no answer of when my funds will be made available to me. I can not pay bills, buy food, pay for medical expenses for my XXXX daughter or my wife and son 's needs. I have no resolution from the bank they simply are holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
On XX/XX/22 a sales agent contacted me to upgrade my current leased vehicle and apply for a vehicle that had come in. I advised that I didn't get off of work until XXXX and asked if the vehicle would be there or should I fill out an application. His response was to fill out the application, so I was understanding by doing so, if approved the vehicle would be there. When I contacted him after I got off work, he told me the vehicle had sold. I asked him if he had ran my credit for no reason and recieved no response. I ended up talking to the General manager who said he would have the inquiry removed from XXXX but it still is showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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 — Investigation took more than 30 days
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I submitted a dispute with credit karma on XX/XX/2022. They informed me that the dispute should be resolved by XX/XX/2022. However, its now XX/XX/2022, and the dispute is still processing. Its now gone over the 30 days allowed and I would like this removed from my credit report. I tried contacting credit karma but Ive gotten no answer or call back. The agency I disputed is called XXXX XXXX XXXX in XXXX, MA. Please help as I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: CA

Complaint narrative:
Experian Dispute of Bankruptcy Ref # Ref # XXXX XXXX ) 1st dispute ( Verified ) XX/XX/2022 XXXX ) Request of verification XX/XX/2022 - Response by Experian Verified via XXXX Request for investigation with XXXX resulted in Deletion from report as Unverified XX/XX/2022 XXXX ) Re-dispute with Experian ( Verified XX/XX/2022 )

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 2022-10-11 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: MO

Complaint narrative:
I opened a XXXX account approximately 10 years ago. XXXX 's agreement with their finance company expired so they re-opened an account on XX/XX/2022 which impacted my average age of my credit cards which then impacted my credit score as the age went from 10+ years opened to 6+ months opened. I tried to resolve with XXXX but they said they couldn't update the original credit open date. I closed my accounts with them but it still negatively impacted my credit score.

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 2022-10-11 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: MO

Complaint narrative:
I opened a XXXX account approximately 10 years ago. XXXX 's agreement with their finance company expired so they re-opened an account on XX/XX/2022 which impacted my average age of my credit cards which then impacted my credit score as the age went from 10+ years opened to 6+ months opened. I tried to resolve with XXXX but they said they couldn't update the original credit open date. I closed my accounts with them but it still negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
In XXXX our vehicle was deemed a total loss. Credit acceptance was to provide the payoff amount so the loan could be paid in full. After they provided the payoff to XXXX, there was a remaining balance because of the cancelled automatic payment ; this was I unbeknownst to us. I received no notification that our payment wasnt processed until it was reported as late on my credit report. I called and spoke with them to understand what occurred. 

After speaking with them about the cancelled payment. XXXX XXXX informed us that they changed the company who was providing their payment processing while we had a pending payment in queue to be processed. This change in payment providers resulted in an automatic cancellation of our scheduled payment. 

These 2 occurrences were out of our control. We were not at fault for the accident or the late payment but, are being penalized for it. 

My credit score dropped to an unsatisfactory range and I am no longer eligible for a home loan.

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 2022-10-11 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello I asked the credit bureaus to do a verification investigation of my credit report and validate the accounts that were on my report.The reports came back & said it was accurate. I did a research myself and found improper inaccurates on my report even after they did their investigation. 



Accounts : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX  Accounts has violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1684 section 604 A. It also states a consumer report agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: GA

Complaint narrative:
Hello I asked the credit bureaus to do a verification investigation of my credit report and validate the accounts that were on my report.The reports came back & said it was accurate. I did a research myself and found improper inaccurates on my report even after they did their investigation. 



Accounts : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit Reporting act XXXX  Accounts has violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1684 section 604 A. It also states a consumer report agency can not furnish a account without my written instructions.

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 2022-10-11 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: GA

Complaint narrative:
My husband and I received a credit alert about an account hitting our credit. The account was for XXXX XXXX. The account showed no details, just the business name and number. I called the number listed and spoke with a rep that said the company had received numerous calls about items about credit reporting issues, and that the manager was addressing them. She then forwarded me to the manager, XXXX XXXX. I left him a voicemail along with the reference number she gave me. I didn't hear back. I emailed XXXX XXXX a total of three times, no response and left 2-3 messages, no response. I explained in my email that I was not aware of this account and wanted the details of the account. I further advised we have not received any information about this account, anything showing an amount due, date, due NOTHING. I have had no interactions with this company, prior to this credit alert. I reviewed my credit report on XX/XX/XXXX and did not see the account, to dispute however I had my credit pulled by a credit servicing company who advised the debt is still there. I emailed the manager at XXXX, XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX to no response. I left a voicemail on XX/XX/XXXX and XX/XX/XXXX. We have NOT received any documents via mail reflecting this debt NOTHING. I advised XXXX XXXX I would be filing a complaint on XXXX if information was not provided to us for the debt, and still no follow up. There are two accounts being reported, based on what the credit servicing company noted, one for $ XXXX and one for $ XXXX. It appears to be for equipment lease. My husband and I had a trucking business that went under due to the economy. We returned the vehicles as the company refused to allow us to sell them. The last interaction we had with the company, XXXX XXXX XXXX, was XX/XX/XXXX. We received a letter stating the vehicles would go up for private sell on or after XX/XX/XXXX. We have not received documentation showing they were sold, what they were sold for, what the outstanding balance was, nothing. We have not heard anything from XXXX XXXX since the XXXX letter, and nothing from this company XXXX XXXX, therefore we don't know the legitimacy for these accounts.

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 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On XX/XX/XXXX Navy Federal confiscated $ XXXX out of my checking account due to a minor checking account I was associated with with my daughter. My daughter and other branch member have contacted the bank and have made them aware of the wrongfully inputted info and have waited the QUOTED 15 days for the dispute/security department to investigate the matter and they have not returned with an answer. This process has called me stress in trying to figure out how to suffice for income loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I had a gym membership with XXXX XXXX in XXXX, Texas on XXXX XXXX XXXX that began in XXXX of XXXX. In XX/XX/XXXX, the card I had on file was stolen and I notified the company of this issue. I then moved away from the area due to family matters and did not return to XXXX XXXX after this time. I was never notified by XXXX XXXX that I had a balance to pay or an amount I owed to the company. I was also never notified through the collections agency that they were attempting to collect a debt. I then received a credit notification that I had been taken to collections without my knowledge that a debt was attempting to be collected ( XXXX XXXX ).

Company response to consumer: Closed with explanation