vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 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: Porania, LLC
State: NY

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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: TX

Complaint narrative:
Unresolved Private Loan Complaint. I am trying to communicate with SallieMae about struggling to make payments and they offer no options besides to continue paying. They constantly harass my co-signer and even when I continue to make the minimum payment. I am close to defaulting and they refuse to help. However, I still make the monthly payment except it is considered late because I have a balance I can not fully cover. It is affecting my credit score and causing a lot is a lot of stress even when I still try making the monthly payment. My first issue is I originally had applied for this loan online but because there was an error I made I contacted support and they assisted me to cancel and reapply over the phone. Though I do not recall ever agreeing to the current plan I am on which is in-school interest payments plan. Therefore I had requested multiple times for them to go back to this call and reassure me that it is what I had agreed to. They never get back to me with this information and only ask me to keep paying. They provide the worst service even as a full-time student where they dont really help. They tell me I am making the minimum payment required yet the current payment plan I am on is the same as the original plan I am told I had signed up for. So I am not sure how this helps in any way. I have asked them if they could change it to forbearance but they say once I agree to terms I can not make changes. Feels like a trap to me when signing up with them. Another issue is the school Itself to where I used to pay these loans toward to. I am no longer in that school as it left me without a choice along with this massive debt that I feel seems fraudulent and also in the process of looking to file a complaint. This also prevents me from getting the potential financial help for my current school. But most importantly as of now I need this issue with SallieMae to be finally resolved. Please feel free to contact me at ( XXXX ) XXXX or email XXXX. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: PA

Complaint narrative:
Transunion sent me a dispute investigation results letter dated XX/XX/XXXX for XXXX Account # XXXX. The investigations results letter described by Transunion as " accurate '' reports, by them, XXXX chargeoffs for the same account with no known payment history to justify these chargeoffs. In fact, the prior payment history that Transunion describes as " accurate '' is, by their definition, " unknown ''. 

This is completely inaccurate and needs to be fixed. 

Their investigation results letter ( attached ) stated that the investigation results were " verified as accurate and updated '' even though the date updated on the report they sent is XX/XX/XXXX. Furthermore, the information on the report was not updated, corrected or deleted as required by law. 

Therefore, Transunion did not conduct an investigation into my dispute for inaccuracy as required by law. They not verify the accuracy of the information regarding this account or they would not generate a results letter containing unknown information as accurate and updated! 

Like most of my factual disputes for inaccuracy, Transunion has opted to stamp my claims as " verified as accurate and updated '' without conducting an independent investigation.

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 2022-08-27 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXXt 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 @ : 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 account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: GA

Complaint narrative:
My individual consumer rights are being violated and my credit standing negatively impacted. TransUnion is now willfully noncompliant and negligent in its failure to correct incomplete and what it classifies as " unknown '' information on my consumer report despite its recent reinvestigation that I initiated as a consumer. 

Per my attached reinvestigation results, dated XX/XX/22, TransUnion claims that it verified the information with account furnishers. I request that TransUnion provides a description of its reinvestigation procedures no later than 15 days after receiving this request.

Most importantly, following a reinvestigation, TransUnion has the duty to promptly delete accounts that are inaccurate, or incomplete, or can not be verified, per FCRA 611 ( 15 U.S.C. 1681I ).

Documents Enclosed : - Reinvestigation results that I received from TransUnion - Photocopy of my Driver 's License

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 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/22 my Wells Fargo checking account was breached and funds were stolen via XXXX payments. In a short period of time, my email contact information was changed, I was unable to access my account online, and a XXXX account linked to my Wells Fargo checking account was opened unbeknownst to me. I have never used XXXX nor have I ever set up a XXXX account. 
I woke up the morning of XX/XX/22 to many text and email messages indicating that multiple XXXX payments had been made and that several more were processing. I called the bank immediately and asked that my funds be frozen. I filed a fraud claim with Wells Fargo, terminated my checking and savings accounts and opened new accounts with them. I also ordered new checks and a new ATM card. I also changed my username and password and changed the contact email back to its original address. 
XXXX XXXX payments of {$100.00} were sent to recipient I do not know ( XXXX XXXX with an email of XXXX ). The fraudulent contact email that was temporarily used on my Wells Fargo account was XXXX. 
I never created the XXXX account and I never authorized these transactions. These transactions were made from 2 computers on the East Coast and one in the midwest. I also asked the fraud specialist ( I spoke to multiple resolution specialists and mangers ) never to allow a XXXX account to be associated with my accounts in the future. On XX/XX/22 another attempt was made to set up a XXXX account. This time I called immediately when my contact email was again changed. This time the email was XXXX. 
After filing the fraud claim, I heard back from Wells Fargo that they were closing the claim. Their reason was that I had authorized the transactions. That is untrue. I never authorized these transactions. I knew nothing about them until I received the messages about the XXXX payments. That authorization was part of the fraud. 
Ive tried to bring this claim to the attention of a more executive branch of the bank, but Im contacting you for help. These large banks have created XXXX, which is immediate and irreversible. Its a flawed product that they should take ownership of and responsibility for. I feel very strongly that I am a victim of fraud and should be credited the {$800.00}.

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 2022-08-27 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Re : Hyundai Motor Finance Lease Agreement, dated XX/XX/XXXX Account Number : XXXX Leased Vehicle : XXXX HYUNDAI XXXX XXXX XXXX XXXX : XXXX Hyundai reports to ( 3 ) credit reporting agencies that I am past due $ XXXXAttached are receipts that show not only that am I not past due, but paid more than the agreed upon settlement offer of {$4800.00}. 

{$1200.00} paid to XXXX XXXX Acct # XXXX XXXX  # XXXX and {$4900.00} to XXXX XXXX XXXX XXXX XXXX. 

Listed below are complaints to the cfpb from XXXX regarding the adverse actions I have received related to inaccuracies and unwillingness, based on the responses to the cfpb, to correct errors. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX current one XX/XX/XXXX XXXX  Dispute- # XXXX Hyundai states it previously received no letters from me which is a blanket statement that anyone can make on their behalf and to their advantage. Attached are certified return receipt of a XX/XX/XXXX correspondence along with a copy of the letter digitally signed.

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 2022-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more 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 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Attached is a letter dated XX/XX/2022 from XXXX XXXX  showing that they sent Apple Card-Goldman Sachs payment of {$320.00} for account number ending in XXXX. As of this writing, payment still has not been posted. It seems rather obviuos and intentional that this banking institution purposely processes incoming payments slowly in order to gain additional interest. Also, for the record, the other two creditors listed on the attached letter, have received and processed the payment that was sent at the SAME time. I suggest that the CFPB investigates the payment processing practices of this shoddy bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have a secured loans with One Main. I have XXXX XXXX XXXX as collateral. The current one I have with them I have had since XX/XX/XXXX. I have always been on time until the last year or so but I may have gone 30 days once. One Main has called me 2 times today within an hour and at least 4 times a day since the first. I would understand if i was late multiple months but not 30 days and call 4 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: CA

Complaint narrative:
I entered into a consumer transaction with XXXX XXXX XXXX XX/XX/2022. Based on the condition of my credit I was pre approved for {$2000.00} credit limit ( see attached ). I then accepted the application because it would cover what I needed to purchase for my personal and or household goods. After I accepted the offer, I was told that correspondence will be sent to me in the mail. I received a letter dated XXXX XXXX stating that in order to complete my request, we require additional information to verify your identity. So I called the XXXX number provided in the letter ( XXXX ) XXXX and provided the info asked of me. At that time, another pull to my credit report was conducted to which the agent on the phone did not disclose to me that they would pull my credit. I was not informed that my credit limit would be subjected to the condition of my credit report arising from the credit pull on XX/XX/2022. This has caused me serious harm as defined in 18 USC 1589 ( c ) ( 2 ).

Pursuant 1581b ( a ) ( 2 ), my written consent is needed to furnish a consumer report about me. I did not give XXXX XXXX  and XXXX permission to pull my credit on XX/XX/2022 and they did not have the lawful authority to report to a non affiliated third party my nonpublic personal information. On XX/XX/2022 the credit card account was opened and reported to to the credit reporting agencies without my written consent. No consent due to non disclosure is not lawful authority. No consent is aggravated identity theft. It is my right to a fair and equitable credit report. Pursuant 15 usc 1681 ( b ), Im aware that under the Gramm-Leach-Bliley Financial Protection Act ( 15 USC 6802 ) my nonpublic personal information should not have been disclosed to any non affiliated third party ( Credit Reporting Agency ) without my lawful consent. 

Furthermore, the agent told me that I was only approved for a credit limited for {$630.00}. I then told the agent and her manager that, that I have already accepted the credit limit of {$2000.00} on the date that I extended my credit on the initial consumer credit transaction in XXXX, XXXX. They then told me that there is no application in the system for that limit. This is a breach of their fiduciary duty. 

See attachments showing proof that : 1. I entered into the transaction in XXXX. 
2. The XX/XX/2022 letter states in order to complete your request proof that an application was accepted in XXXX. 
3. The original credit limit I was approved for which is {$2000.00}.

4. Credit report showing the date open which is incorrect, fraud, and proof that they ran my report again on 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 non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Per the attached letter from XXXX Bank dated XX/XX/2022, payment of {$450.00} was made against account number ending XXXX XXXX. As of this writing, the payment has not been credited to my account. It is obvious that payments are intentionally processed slowly in order to gain additional interest revenue for the institution. Also, for the record, the other bank listed on the letter processed the payment within 2 days.

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 2022-08-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. 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 120 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take XXXX to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cant get aproved for anything which is casing me even more XXXX.

Company response to consumer: Closed with explanation