vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Weve had an auto loan at XXXX ( not by choice ) for a year now. Of the XXXX payments, XXXX have been late totaling over {$200.00} in late fees. The reason Id like an investigation is the barriers the bank places on its non-customers. 

As a XXXX  XXXX XXXX customer, I must log into XXXX website to initiate single payments. Under payments, this language outlines their policy : Payments made with external accounts are not eligible for recurring payments at this time. 

The letter I received in the mail offers Auto BillPayer and instructs me to call a toll-free number. In line with the inferior customer service weve already experienced, the Auto BillPayer is only open M-F, XXXX. Of course, its bankers hours. 

Finally, after getting connected with them, the tell me I must download a Word document, print it, complete it, and either MAIL or FAX, yes FAX it back to them. Its these incredible barriers that have me concerned. With a XXXX note, averaging XXXX late payments a year, thats potentially XXXX late fees at {$73.00}, or over {$1300.00} in fees in the term of the note. No wonder they want to put barriers like printing and faxing for non-customers its a tremendous profit. 

Its incredible in 2022 that XXXX answer is printing and faxing Word documents, but when you see the true reason, profits, its easy to see the motives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian the dispute center been down for months I am not able to dispute anything

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 2022-07-15 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: IL

Complaint narrative:
This company was informed about charges made to an old credit card and my account was closed and dismissed.Now for the past two weeks Ive gotten really nasty calls and threats.They even contacted my employer numerous of times with harrassment.The original card debt was removed from my report months ago.But upon checking my credit a few days ago I've found that the same card company has reported a card debt in my name listed as opened XX/XX/2022 with a balance over {$900.00}. I've never used any credit card that much and never have been given a credit that high.I have no knowledge of this said account they claim I have.This company keeps sending my information to different debt collectors that's reporting wrong information to my credit.Ive received alerts from XXXX about my SSN being exposed.There I no number listed to contact LVNV and many attempts to an online complaint has been ignored.They are doing illegal reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: OH

Complaint narrative:
Disputing accounts, Equifax says they dispute information on peoples credit files. But at the end of time frame you recheck file and stuff just says remains. No explanation on how information was verified. There disputing practices are very vague no written info ever given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was sent XXXX  denial letters from American Express for a credit card I didnt apply for. One was addressed to my business saying that we can not approve your request at this time for the American Express Cash Magnet card. The other is address to me, my first and last name. It says We closed your Card application as you requested. I received both letters today ( XXXX XX/XX/2022 ). The letter dates are XXXX XX/XX/2022. I called AE. They said they reported to their fraud department but they also recommended I report it to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, -XXXX  XXXX ( XX/XX/XXXX ) -XXXX  XXXX  XXXX XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX  XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX ( XXXX  XXXX  XXXX XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, -XXXX  XXXX ( XX/XX/XXXX ) -XXXX  XXXX  XXXX XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX  XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/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 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: RI

Complaint narrative:
Bought a Netspend card from XXXX. Put money on the card and I can not obtain an activation code to use 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 explanation
Consumer complaint received 2022-07-15 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: LA

Complaint narrative:
I gathered my recent credit report from all 3 bureaus : XXXX, Equifax and XXXX and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, XXXX and Equifax have the same date of last date payment XX/XX/2017. Now, XXXX has a date of XX/XX/2017 as being the last date of payment. Which one is correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: LA

Complaint narrative:
I gathered my recent credit report from all 3 bureaus : XXXX, XXXX and Experian and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, XXXX and XXXX have the same date of last date payment XX/XX/2017. Now, Experian has a date of XX/XX/2017 as being the last date of payment. Which one is correct?

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 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
I called Sequium asset solutions to see If I could speak to a supervisor about getting a settled debt possibly removed. The agent got really mad and tried to start a argument so I repeatedly asked this agent to speak to the supervisor so I can resolve this issue and move on with my life. THE AGENT STILL WOULDNT LET ME SPEAK TO THE SUPERVISOR, just being evil. PLUS, I asked for paperwork of me paying for the debt, they told me that they would email it to me and received that yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. ATTACHMENTS BELOW SHOWS THE ERRORS ON MY CREDIT REPORT This the ground for removal they also violated my rights under 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 agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-07-15 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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. ATTACHMENTS BELOW SHOWS THE ERRORS ON MY CREDIT REPORT This the ground for removal they also violated my rights under 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 agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I opened an account with B of A in XXXX. I had XXXX checking accounts and XXXX savings account. On XX/XX/XXXX i took a check in the amount of XXXX which was issued to me by XXXX XXXX for a claim resulting from an accident to the bank to deposit, It was endorsed by myself and my finance company with a signature guarantee. I deposited it at the counter with the teller and was advised the funds would be available the next business day ( XX/XX/XXXX ). My deposit slip cited the same info, however the next morning the bank had extended the hold to 10 days which meant i would not have access to the funds until XX/XX/XXXX. 
On XX/XX/XXXX i was attempting to access my account online and could not do so. I contacted customer service who told me my account was pending closure. No explanation, no options to access my money. Mind you this is money for car repairs and the check had already cleared days earlier ( per XXXX ) I had a number of payments set to be made on the XXXX pending that deposit that subsequently went unpaid including my car note as a result of this random account closure. I went into the same branch i had deposited the check and the teller adv me to call cust service and ask them to release the available funds. There are no outstanding payments due on the account to justify a hold on my money. The person i spoke with regarding my deposit was rude and said i could not access the money, and that it may be another month before that the closure was final and my funds dispersed to me... depending if they had to cover additional charges. This violates my right to access the funds on the day promised and has thrown me into financial duress with my vehicle now under threat of repossession, and my rent payment bouncing. They have offered no recourse and have left me in dire straits. They have also not cited any cause nor even advised me of the account closure. I had to figure it out on my own.

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 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: YSA ARM LLC DBA Oxygen XL
State: IN

Complaint narrative:
The following company has sent a letter stating a debt owed, I was unaware and have been a victim of identity theft. 
Oxygen XXXX has stated I owe XXXX XXXX in the amount of XXXX $ I am unaware of this company. 
I spoke with XXXX, he threaten me with collections reflecting on credit reports also threaten me with jail.. He also wouldnt agree to send me signed agreements providing proof of this debt. 
I have never lived in Illinois I have lived in Indiana all my life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: LA

Complaint narrative:
I have asked the credit bureaus to only report accurate information on my credit report as 15 USC 1681 ( b ) states that a consumer reporting agency should only furnish a consumer report according to the written instruction of the consumer.

They are in violation currently for reporting inaccurate information which makes it harder for me to be verified by companies for employment, extension of credit, etc. ( 15 usc 1681 ( a ) ( 1 ) ) This is causing much stress and hardship on my life. I need my information reported accurately, which is their grave responsibility that they assumed. I have 1 address and 1 name that should be reporting on my credit report. The fact that they are allowing unverified information to reflect on my account, shows that they are lacking competence to fulfill such an important job.

Do not respond that you can't verify me. I have added my id and given my ssn and date of birth. You also have other complaints from me with my information, so you know who I am.

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 2022-07-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX  Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX  Account number XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 an 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 non-monetary relief
Consumer complaint received 2022-07-15 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: LA

Complaint narrative:
I have unauthorized inquiries on my credit reports. I do not recall giving these companies nor the credit bureaus permission to share my credit report with these companies. This is a violation of my consumer privacy and protection. this is apparently fraud and the credit bureaus have done absolutely nothing about it. ( 15 USC 1681 ( A ) ( 4 ) ) I have attached my id so do not try any of your tactics to not validate this information and further violate me! Validation will require documentation not merely your words on a paper stating it's verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: OH

Complaint narrative:
Disputing accounts, XXXX says they dispute information on peoples credit files. But at the end of time frame you recheck file and stuff just says remains. No explanation on how information was verified. There disputing practices are very vague no written info ever given.

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 2022-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
The loan XXXX  with Santander consumer USA these are deceptive practices in which this company is already been involved in and lost a multi million dollar lawsuit right before my car was financed with this company in which I have experienced the same issues and interest-rate which I was not told about in the beginning that you can not refinance nor will they change payments or posting for interest only without anything posting to the principal so the amount you owe on your vehicle never goes down they report incorrectly to credit reporting almost making it impossible for you to trade or refinance the vehicle for a less interest rate the biggest thing though that I think I noticed is there auto payment system everyone needs to check their accounts because what has happened to mine is it is set on a auto draft setting that they claim they cant remove so upon logging into the account it appears that your payment is already set up to deduct from your account so of course you dont want to make a double payment and return what happens is the payment is never processed in which it makes you look like youve missed your payments and Ill top of that they charge a late fee so if you think about all the millions of people that have auto loans financed through this company still if everybodys accounts are set up like this theyre making a ton of money just off of late fees because I know myself and my family because when I work out of town its left with somebody else who will pay bills on my account anytime theyve ever tried to login it says that the payment is already scheduled obviously theyre not going to schedule another payment so I know around that theres been times that I have missed two payments in a row thinking the payments are being made this is a complete scam from start to finish I have contacted multiple times about all of the situation my loan at one point was more than what I purchased the vehicle for because of their late fees and posting all of my payments towards interest in nothing towards a principal very little has been posted to the principal on my car in the year and a half that Ive owned it they should be shut down for what they do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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