vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
XXXX I took an auto loan out for the purchase of a XXXX XXXX XXXX from Santander Consumer company. I made payment on this vehicle for 2 years. XXXX I had fell into some hard times with a move I made to Arizona. During this time my car ended up being approximately 2 month behind. 

Santander Consumer then made a threatening game of chain calling mine and my wife cell phone in hopes of obtaining money we owed. We would make agreements with them and sometimes pay them hundreds of dollar at a time. I recall an instant that I paid this company XXXX and they chain called me the entire rest of the day. 

My father was also involved in this. My father would lend me hundreds of dollars out of his bank account to pay them. In-fact my entire family was paying them right along with me. So eventually I sat in my fathers kitchen he lent me XXXX. I paid them in less then a week the car was gone I believe that the entire repossession was unlawful. They could have told me they were going to take the car instead of getting thousands of dollars. Through this scam they had going. 

I feel like I had been treated unfair. This company since the vehicle was repossessed has sold the remaining balance of the loan to some company. The car was sold I heard they kept our property. And now they want XXXX for a car they forced away and have back to the point where the vehicle is already been sold for the last 5 years. 

I spoke with my attorney " XXXX XXXX XXXX XXXXXXXX about the situation. The referred me to your bureau and said you might be able to help. I have bank statement, my father willing to speak along with my wife. My attorney can also vouch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My CD at Marcus ( Goldman Sachs Bank ) matured on XX/XX/2023. I gave wiring instructions in advance, and I did not receive any money after the closing date. I use their chat and called and they said that because of dollar limits on the size of the account, they were having problem closing the account. I called daily and got the run around. I would like them to send me the money along with extra interest for every day that they have held the funds that should have been returned to me if not for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NY

Complaint narrative:
I have tried repeatedly to get ahold of Edfinancial to pay my student loans which are due soon. I know they have recently changed platforms, but I have made an account on the new platform and its saying there are no loans on record for me and if this is an error to reach out to customer service. Their customer service phone number and chat, no matter what the time of day, never works. Endless loop. I've emailed, and I can't reach out. I'm not getting any information in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Initiated a {$4400.00} balance transfer on XX/XX/XXXX. Stated 0 % until XX/XX/XXXX. Paid a fee of {$220.00}. I received the account statement today showing the entire balance transfer amount and fee are due now. I called to ask why the promotion rate was removed. I was told that in the disclosure it states you can not use the card for purchases after the transfer. I advised the representative that was not shown in the disclosure I read. I asked to remove the balance transfer fee as it was no longer being honored. He tried and the request was declined. I asked him to submit feedback to his supervisor that the disclosure did not clearly state that the card could not be used for purchases. I expressed my discontent with the fact he couldn't help at all. I was misled and not informed of the full disclosure when I initiated the transfer. I don't want this to happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  {$5700.00} USDCurrent balance {$620.00} USD Available credit {$0.00} USD due XX/XX/XXXX This is correct, they are still showing XXXX owed and will not update it timely fashion. 
XXXX XXXX  I am applying for a Refinance and paying more as they refuse to update the credit with the bureaus.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent Equifax a letter from a company reporting on my credit report on XX/XX/23 and on XX/XX/23 they closed the investigation stating that it remains accurate and will stay on my credit report. These people are not investigating anything. They are using a computer and giving generic replies. They have not sent me any documentation stating their findings. Attached please find my letter of proof which they requested. I ask for this to be deleted off of my report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In alignment with the Fair Credit Reporting Act : The inquires listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
I notified on XX/XX/XXXX that my Federal Student Loans were forgiven as of XX/XX/XXXX. I received a letter from MOHLEA that the Biden- Harris Administration forgave my loans, contacted the credit bureaus before the end of XXXX XXXX 

I reached out to XXXX and XXXX. XXXX was corrected. XXXX has corrected, XXXX is still working on it. I sent letter yesterday with all documentation that should arrive on XXXX XXXXXX/XX/XXXX. Just got my updated 3 bureau scores and my Student loan is still affecting my credit scores. Even though it was forgiven as of XX/XX/XXXX. 

I inquired to credit bureaus as to how my credit scores were higher with a balance of {$350000.00} on XX/XX/XXXX. My present scores are lower and my debt is now only {$5800.00}. 

My credit report reads : Excellent on all aspects. Except - The remaining balance on your mortgage or non-mortgage installment loans is relatively high. 51 % listed by XXXX. 

The Biden-Harris Administration gave credit to the loan and forgiveness date was 18 months ago on XX/XX/XXXX. 

Credit Bureaus tell consumers we are using to much credit or not using enough. I use my cards and pay them off in full when the bill is due. Why is it held against me? 

Why if my loan is forgiven, is it still showing payments on my credit report up to and including XX/XX/XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I notified on XX/XX/XXXX that my Federal Student Loans were forgiven as of XX/XX/XXXX. I received a letter from XXXX that the Biden- Harris Administration forgave my loans, contacted the credit bureaus before the end of XXXX XXXX. 

I reached out to XXXX and TransUnion. XXXX was corrected. TransUnion has corrected, XXXX is still working on it. I sent letter yesterday with all documentation that should arrive on Friday XX/XX/XXXX. Just got my updated 3 bureau scores and my Student loan is still affecting my credit scores. Even though it was forgiven as of XX/XX/XXXX. 

I inquired to credit bureaus as to how my credit scores were higher with a balance of {$350000.00} on XX/XX/XXXX. My present scores are lower and my debt is now only {$5800.00}. 

My credit report reads : Excellent on all aspects. Except - The remaining balance on your mortgage or non-mortgage installment loans is relatively high. 51 % listed by XXXX. 

The Biden-Harris Administration gave credit to the loan and forgiveness date was 18 months ago on XX/XX/XXXX. 

Credit Bureaus tell consumers we are using to much credit or not using enough. I use my cards and pay them off in full when the bill is due. Why is it held against me? 

Why if my loan is forgiven, is it still showing payments on my credit report up to and including 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 explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've been asking the bureaus for information for quite some time and they haven't answered me. It happens that some accounts are wrong in my report, some I don't even know where they come from, I'm really lost. I would like their collaboration so that they respond 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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've been asking the bureaus for information for quite some time and they haven't answered me. It happens that some accounts are wrong in my report, some I don't even know where they come from, I'm really lost. I would like their collaboration so that they respond 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
This is a follow up complaint to an initial complaint. 

On or about XX/XX/XXXX DNF associates placed a trade line on my XXXX credit report. 

After disputing through several agencies the company responded that the line item was due to a XXXX XXXX credit card - allegedly taken out XX/XX/XXXX, with no payments made, closed XX/XX/XXXX. The debt was sold to XXXX associates XX/XX/XXXX. 

The FCRA regulations are clear that the date listed on the credit report should be the date of delinquency. The account is listed as opened in XX/XX/XXXX. In the response from my other complaint the company clearly indicates the account was opened XX/XX/XXXX, and with no payments made the date of delinquency would be 30 days after XX/XX/XXXX. 

DNF has changed the date on the account to park the debt. The date on the account should be changed to reflect their own records of XX/XX/XXXX as the open date and the delinquency date of XX/XX/XXXX. 

Debt parking is illegal. Fraudulently and knowingly reporting incorrect information to the credit bureaus is illegal. DNF should be investigated for debt parking.

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 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2023 someone presented a fake license in my name and withdrew {$5000.00} from my personal checking account. They withdrew with a counter withdrawal slip {$2500.00} at XXXX XXXX XXXX, XXXX, LA Teller : XXXX XXXX ; Bank Manager ( XXXX XXXX ) - signing an entirely different name from mine ( true account holder ) and still successfully received cash money. They withdrew {$2500.00} again at another location on same day : XXXX XXXX XXXX, XXXX, LA. I spoke with Capital One Fraud team and both bank Managers in an attempt to secure the account and to refund money stolen and to secure the video footage associated with the felony on XX/XX/2023. I filed a police report on XX/XX/2023 and met with my local Capital One Bank Manager and a member of Fraud team ( called in to the physical meeting ) to get incite on when any of my residual funds would be accessible ( I needed money to pay bills ) and to find out if money would be refunded that was stolen. I was advised it would take another 3-5 business days before new accounts would be accessible containing my residual funds. The {$5000.00} should have never been released due to an erroneous signature noted on the withdrawal slip that didnt match name on file for account and without additional identity verification before giving away the account number to the thief. There are no real security measures at Capital One Bank!! None.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/2023 I sent a dispute letter along with a Consumer Disclosure Report from XXXX XXXX dated XX/XX/2023. The report from XXXX XXXX does not show a bankruptcy ever filed by myself. I was told by a gentleman by the name of XXXX that XXXX XXXX is the company who reported the bankruptcy. If that is the case then TransUnion is reporting false information on my credit file. I will attached the report from XXXX XXXX to prove my claims. If the incorrect bankruptcy is not removed immediately, I will pursue legal proceedings. 
TU File # 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I would love for you to investigate this information that is incorrectly placed in my credit reports and is affecting me a lot. 


XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please delete

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists. I asked this company to dispute this unauthorized information off my credit report. Ive asked for verification that its my debt and they cant provide proof because it is not mine. I am a victim of identity theft. Ive filed police reports and sent my proof in and this is still on my credit unauthorized. It has to be removed by law.

Company response to consumer: Closed with explanation