vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year>, I went to bed and my guest XXXX XXXX had left my home. At the time I had my phone with me in bed. XXXX had re-entered my home without my knowledge and at XXXX XXXX my phone was taken without my knowledge or consent by XXXX XXXX, which you can see on camera from the provided footage. At XXXX XXXX  the transfer of {$1400.00} to XXXX XXXX with the handle XXXX XXXX was completed by XXXX XXXX. XXXX is seen leaving my home at XXXX XXXX When I woke up, I searched XXXX XXXX XXXX XXXX  and found it under clothes in my guest bedroom. 

I was not aware of anything until I realized I had not paid my mortgage on XX/XX/year>. When logging onto Cash App to transfer the funds my Tenants transferred to me, I realized it was short. Thinking it was a tenant who was late on rent, I saw the unauthorized transaction of {$1400.00}. I immediately contacted Cash App and have had no success getting my stolen money returned, despite the countless efforts I have made. 

evidence : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: MT

Complaint narrative:
I am submitting this complaint regarding GM Financials refusal to offer a review of my husbands car loan interest rate and payment terms despite his status as a XXXX XXXX XXXX XXXX. His loan currently has an interest rate of 21.95 %, which is significantly higher than the rates typically offered to veterans by other institutions. Furthermore, GM Financial has refused to negotiate on payment dates to accommodate his financial situation. 

I have made two formal requests by letter and phone on his behalf, asking GM Financial to reconsider the rate and payment schedule in light of his protected veteran status and current financial constraints. During both phone calls, representatives were dismissive, stating that if he did not like the rate, he should not have signed the contract or I should go elsewhere, ignoring the fact that he is a Protected Veteran. 

During these calls, representatives also thanked my husband for his service but maintained that contracts can not be amended, which is both factually incorrect and an inflexible stance given our circumstances. 

I find this treatment highly inappropriate, especially considering that many other financial institutions offer veterans more favorable terms. I am seeking a formal review of his loans interest rate and payment schedule. GM Financials unwillingness to negotiate or provide any veteran-related accommodations has left him in a precarious financial position, despite our good faith efforts to resolve this matter. 

Their refusal to engage in good-faith negotiations, combined with their unwillingness to put anything in writing, raises concerns about their commitment to fair and transparent business practices, particularly regarding veterans issues. It is troubling that, despite my formal letters, I have yet to receive the requested formal response outlining their position.

Specific Issues : 1. Lack of Written Communication : GM Financial has failed to provide any written responses despite my explicit request in both lett
ers.

2. Dismissive and Patronizing Phone Calls : The tone of the phone calls was highly unprofessional and dismissive of my husbands veteran status. Representatives repeatedly stated that contracts can not be amended, which is legally incorrect.

3. Failure to Respond to Formal Letters : Despite sending two formal letters outlining my requests, GM Financial has not responded as requested in writing, raising concerns about their transparency and professionalism. 

Thank you for your consideration and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX , Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.

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 2024-10-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and notice some fraudulent accounts on my report.Please remove these accounts they are hurting my ability to obtain credit

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 2024-10-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1692c ( c ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX has violated my rights. 

15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must Cease all communication.

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Before opening a checking account for a promotion, I needed to make sure I understand the limitation correctly. The limitation was : You are ineligible for the respective bonus if : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months. 
You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past XXXX months. 
I needed to find out specifically, when the XXXX months period starts, as it was not clearly and explicitly stated In the clause, compare to other banks, which use the same limitation and clearly state in the clause, when the XXXX months period starts ( XXXX XXXX, for example ) XXXX XXXX XXXX ). 

Today, on XX/XX/year>, at XXXX XXXX  I spoke to XXXX XXXX, identified himself as personal banker, at the local branch located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX I asked him MULTIPLE times, very specifically to clarify this clause, after clearly pointing explaining him what promotion and letting him find it. 
He clearly, multiple times confirmed on recorded line that the 12 months period mentioned in both clauses STARTS from the day of OPENING of the previous account, I.e. XXXX  months between the dates of OPENING of the previous account and the next one. The conversation was recorded and can be confirmed. 

I request XXXX XXXX to CLEARLY address, whether the statements above made by the Wells Fargo representative mentioned are correct specifically that the XXXX months limitation period begins from the date the previous account was opened. 

.

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 2024-10-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Every single alleged account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every account is unauthorized.

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 2024-10-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I am filing this complaint regarding the mishandling of my debt by Sunrise Credit Services. I have contacted the company multiple times, and they have been unable to locate my account or provide any details on the debt they claim I owe. On XX/XX/year>, I spent over XXXX Hour on hold without receiving a resolution. The company has failed to provide me with the legally required validation of the debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

As the debt has not been validated or properly handled, I am formally requesting that this debt be removed from my credit report immediately. I believe this is a case of either mistaken identity or inaccurate reporting, as the company has shown an inability to produce relevant information or support the legitimacy of the debt. 

Please investigate this matter and take appropriate action, as it is causing unnecessary damage to my credit profile and creating undue stress.

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 2024-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I originally contacted XXXX to resolve the final bill that was sent to me. My service was turned off a day before I switched to a new carrier. I had already made payment arrangements to pay the bill on my next payday in which they took. Then I get a new bill with charges for the month plus reconnection fees for each phone. They were no longer my carrier so they could not charge such fees. I called to discuss the matter and they would not discuss it because I could not remember a pin number so they just sent it to collections. I never new I had a pin because everything was set on autopay and never needed that info. The last months bill was returned due to insufficient funds but was paid at a later date. I switched carrier at the close of my cycle and all phones were paid in full that's how I was able to switch with the same numbers. I responded to an email sent to me by Radius Global Solutions trying to collect a debt that I don't owe explaining that the bill is incorrect. They responded that the bill is correct and that I owe and proceeded to add the collection to my credit 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 2024-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX I was a victim of a wire transfer scam, I notified the bank immediate about this action and told them that did not approve of this action. 
I had all my account change plus passwords, I have notified the bank about this situation that I did not approve of this transfer. 
Wells Fargo has sent me letter informing me that the problem is closed because I approved it. 
XXXX XXXX was taken out of account case number XXXX the person that took money was XXXX XXXX from XXXX bank

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer 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
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 15 U.S. C 1681 section XXXX A. States I have right to privacy XXXX U.S.C. 
Section XXXX A Section XXXX it also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C. XXXX. ( a ) ( XXXX ) section states no 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 that 7 years. 
XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: OneMain Finance Corporation
State: IN

Complaint narrative:
I am writing to dispute the accuracy of information thats on my credit report. according to the fair credit reporting act ( FCRA ) section 605B its Illegal to report information on my credit report without my permission. please remove these items. XXXX XXXX XXXX XXXX onemain, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Synovus Bank
State: IN

Complaint narrative:
I am writing to dispute the accuracy of information thats on my credit report. according to the fair credit reporting act ( FCRA ) section 605B its Illegal to report information on my credit report without my permission. please remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, first progress card, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA

Complaint narrative:
On XXXX XXXX a collection that had already been removed from my credit reports have appeared again with the same company. The Name of the collection agency is called XXXX XXXX With an account # XXXX I have never dealt with this company before and have no idea what it is for. However it appeared last year and was removed last year. Today it re appeared on all three of my credit reports from XXXX, XXXX and XXXX. I am requesting this account be removed from my credit report as soon as possible. Thank you

Company response to consumer: Closed with explanation