vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I am a customer with One Main Financial> The loan I have with them is due every XXXX day of the month. 
if the payment is not made on this date, the calls begin .This company ( maybe just this office ) has aggressive methods almost to the point of harassing customers. it has always happened however these last 2 months I believe they are crossing boundaries. 
last month I did not have my payment amount on the XXXX, I informed the agent I would make my payment on my payday XX/XX/XXXX. The agent goes so far as asking what time I would make the payment, I informed her XXXX. I received a text message on XX/XX/XXXX stating I really need to contact the office to discuss my account, Today XX/XX/XXXX a representative called I advised I would be making my payment on Friday XX/XX/XXXX. The representative states until the payment is made we will call, also stated will note payment will be made on Friday. 
I understand I signed for a loan, I agree to make my payments, I am not ignoring phone calls therefore IF the consumer states when the company can expect the payment continuous calling IS a form of harassing. It is also pointless for me to inform this company of being late, providing an expected payment date if I am steadily being unnecessarily harassed. I am sure they will say the calls ( which are at least 3 or 4 times a day ) are computer generated but this is also excessive. I understand their job/position but their practice are overly aggressive

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX has been known for their unjust and fraud practices when it comes to their business. They have not only misplaced my original contract with the wet signature, validating the debt ; they also violated several of my personal and consumer rights with false and deceptive sales, not disclosing my right to rescind and taking a cash payment with a finance charge. In addition, they have illegally repossessed the vehicle and harassed me for payment. Not to mention, this information is on my credit report and reported inaccurately. None of the information is correct and the same with all XXXX credit bureaus, nor is it correct This was a credit sale not an auto loan ; therefore the account type is listed incorrectly, the last reported date has different dates listed between the credit bureaus, the account status is reporting different between the bureaus, the date the account was opened is also reported different amongst the credit bureaus. This is a major violation as I was promised accuracy on my credit report under federal 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 non-monetary relief
Consumer complaint received 2024-09-26 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
My personal information has been used/compromised for many years and as a result my credit for most of my life has been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: WA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX  regarding inaccurate late payment reporting to the credit bureaus. 

Timeline of Events : Account Details : I have a credit card account with XXXX XXXX  ( Account Number : [ redacted ] ). 

Payment History : I made a payment of {$150.00} on ( XX/XX/year> ) ( XX/XX/year> ) & ( XX/XX/year> ), which I believed to be on time and within the grace period as outlined in my account terms. 

Discrepancy : On XX/XX/year>, XX/XX/year> & XX/XX/year>, I received a notification from my credit monitoring service indicating that XXXX XXXX  reported a late payment for the billing cycle ending at the end of each month payment was issued. This was surprising as I had made the payment on time. 

Actions Taken : I contacted XXXX XXXX  customer service on [ insert date ] to dispute the late payment. During this call, I was informed that my payment was processed late due to a delay in processing, which I was not made aware of at the time of payment. 
I followed up with written correspondence via email to XXXX XXXX  on XX/XX/year>, reiterating my dispute and providing evidence of my timely payment, including transaction confirmation. 
Despite these efforts, my credit report still reflects the late payment as of [ insert date ]. 
Impact : The inaccurate reporting has negatively affected my credit score and my ability to secure favorable loan terms. I believe that I fulfilled my payment obligations and that XXXX XXXX  failed to process my payment accurately.

Resolution Requested : I request that XXXX XXXX  correct the reporting to the credit bureaus to reflect my timely payment and remove any negative impact from my credit report. 

Thank you for your attention to this matter. I hope for a prompt resolution. 

Sincerely,

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 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.KOHLS/CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I entered into a legal agreement with Ally, that the tradeline for my auto loan would be deleted from my credit profile with all 3 credit bureaus ( XXXX, XXXX, and XXXX ). They initially deleted the tradeline and recently began reporting again. I am in the process of a major purchase and this has the potential to cost me a lot of money if it is not rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: MI

Complaint narrative:
You entered false information on my credit report. You are reporting me as 180 days late for XX/XX/2023 and XX/XX/2023 for my auto loan with XXXX but I was not late on my monthly payments to XXXX during these months. I had already paid XXXX the remaining balance for this vehicle during my XXXX XXXX Bankruptcy. I did not receive a discharge before my XXXX XXXX was dismissed, but this account was paid off as the attached official bankruptcy documents confirm. I did not owe the monthly auto payments in XX/XX/2023 or XX/XX/2023.

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 2024-09-26 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: FL

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2024-09-26 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: FL

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: WA

Complaint narrative:
I am writing to formally complain about Upgrade , Inc. for their failure to properly notify me regarding two of my accounts before reporting late payments on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Specifically, Upgrade , Inc. has violated the following provisions of the FCRA : 1. **Section 623 ( a ) ( 1 ) ( A ) ** : Upgrade, Inc. did not provide accurate information regarding my payment history.

2. **Section 623 ( a ) ( 7 ) ** : The company failed to notify me of their intention to report the late payments, which is a requirement prior to submitting such negative information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have been a customer of Bank of America since 2017, when I spent XXXX months in the US as part of a XXXX XXXX XXXX  at XXXXXXXX XXXX Then I went back toArgentina, my country of origin and residence. I usually work for XXXX XXXX XXXX as a short-term consultant, and receive their payments in my account at BoA. Last friday ( XXXX ) I tried to make a wire transfer to XXXX of my accounts in XXXX, and BoA blocked not only the transfer but my account too. Now I can not access online banking. I've called on friday several times. All the bank officers told me that now it is mandatory for me to go to the branch to validate my identity. But again, I live in XXXX, and it is very expensive for me to travel to the US to carry out this procedure. Could you assist me on this matter? 
I would like to be able to access my online banking ; and, also, I would like to make the transfer. 
Thanks a lot in advance.

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 2024-09-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries consist of XXXX XXXX on XXXX, XXXX XXXX XXXX onXXXX, XXXX XXXX XXXX on XXXX on XXXX, XXXX XXXX on XXXX, XXXXXXXX XXXX on XXXX. 
These inquiries have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all inquiries activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX, Social Security Number XXXX Consumer Date of Birth : XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information. This have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned, hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX .Thank u for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit Acceptance has been known for their unjust and fraud practices when it comes to their business. They have not only misplaced my original contract with the wet signature, validating the debt ; they also violated several of my personal and consumer rights with false and deceptive sales, not disclosing my right to rescind and taking a cash payment with a finance charge. In addition, they have illegally repossessed the vehicle and harassed me for payment. Not to mention, this information is on my credit report and reported inaccurately. None of the information is correct and the same with all XXXX credit bureaus, nor is it correct This was a credit sale not an auto loan ; therefore the account type is listed incorrectly, the last reported date has different dates listed between the credit bureaus, the account status is reporting different between the bureaus, the date the account was opened is also reported different amongst the credit bureaus. This is a major violation as I was promised accuracy on my credit report under federal 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 2024-09-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: NV

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This acct was opened on the following date XX/XX/XXXX and showing on XXXX showing ( XX/XX/XXXX ) close date showing on XXXX XX/XX/XXXX and no close date on Experian, last payment showing XX/XX/XXXX on Experian and XXXX showing XX/XX/XXXX this is inaccurate information falsely manipulates the my credit worthiness and its hurting my ability to obtain credit. Experian failed to do a real reinvestigation this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXXXXXX These account is not XXXX % accurate, 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 explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
After looking over my consumer report I've noticed that the creditor listed in my dispute letter is reporting multiple late payments to my consumer report without properly sending me any statement document from every month that this account reported. I am aware of 15 US CODE 1666b - Timing of payments, and that they must not report my account late for any reason without following that procedure. I never received any statement document prior to my bill neither by mail or email in which this is a violation their behalf. In accordance of 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) ( 2 ), states " Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' in which this information shouldn't be on my consumer report.

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 2024-09-26 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: Synovus Bank
State: WA

Complaint narrative:
I am filing this complaint regarding an inaccurate late payment mark that was placed on my credit report by First Progress. The payment was not truly late, and I was never notified that the company intended to report it as such, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

**Background : ** 1. **Inaccurate Late Payment : ** I dispute the late payment reported by First Progress on my credit report. The payment in question was not late, and I have records to demonstrate that I made the payment within the agreed-upon time frame. 

2. **Lack of Proper Notification : ** According to the FCRA XXXX companies are required to notify consumers if they intend to report negative information, such as a late payment, to credit bureaus. I never received any such notification from First Progress. This failure to notify me is a clear violation of the FCRA and has resulted in unjust damage to my credit report.

Company response to consumer: Closed with explanation