vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
Hi there! 

I'm using Lexington Law to better my Credit so that I can build my business and buy a home. I have provided Lexington Law with my phone number, email address, and mailing address to contact me in case of any urgent communication. 

However, this week I saw an excessive charge item and fee ( which they called a " re-billing fee '' ). When I contacted them, they claimed that my card could not be charged. True, but I also explained that I keep my card locked and I have provided my contact information in case of an issue like this. They replied, " we don't call customers for billing questions. '' I think that is not right, unfair, and a scam for a company trying to profit by charging unnecessary fees to struggling folks. Someone, ought to help with this. That is why I'm filing this complaint. They have my phone number! At the very least, they should be specific on when they will charge my card so that I keep it open. It's called good customer service in my line of work. 

I'm seeking relief and a refund for this abuse. There is no such thing as a " re-billing fee, '' unless someone is just trying to find a way of making extra money from you. If they keep charging a {$20.00} " re-billing fee '' to XXXX or XXXX people, they're making a lot of money on the backs of poor folks without accountability. Please help and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Statements that I am opening other cards are being sent to XXXX. I have closed this account nearly 5 years ago and have never opened another account. This conduct is harming my credit reporrt and XXXX Score.

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 2022-12-12 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: GA

Complaint narrative:
For over a year I have been trying to tell XXXX XXXX that the two accounts they have for two businesses were not opened by me. I worked for the company and someone opened the accounts in my name. I did not know until the company stopped and XXXX XXXX started sending bills to my personal home. I contacted them to tell them I did not submit the application and that was fraud and to send me proof. The did not. They then sent those bills to my personal credit in XX/XX/XXXX. I disputed them twice. The credit company put them as dormant. In XX/XX/XXXX XXXX put an address on my report that I never seen before- XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. I told XXXX today XX/XX/XXXX that I never knew of this address and it had to be fraud. I have lived in my home since XXXX and never got anything for credit with this address. They tell me they can not remove it because it has to do with XXXX yet XXXX has my address as my address on XXXX XXXX  where I live. I currently have a credit attorney from XXXX that just sent me a debt validation yesterday that is in violation because I requested that over 6 months ago and I didnt get it within the time frame. The fact is the address is not mine, it is fraud and the XXXX  accounts are fraud I did not open that account nor anything under my name did I buy on those cards. The businesses did and the owner XXXX XXXX did. Nor is that address at XXXX XXXX XXXX mine or ever has been mine and needs to be removed.

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 2022-12-12 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
In accordance with the fair credit Reporting Act : XXXXXXXXGENESIS RETAIL XXXX XXXX GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : also states a consumer furnish an account without any written instructions.

15 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: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I requested to have my student loan payments made during the COVID-19 pandemic refunded as was allowed under the CARES act. I have been given timelines that state I must wait XXXX weeks or more to receive the money, and can not get in contact with anyone that can actually resolve or expedite this. My balance was reinstated on XX/XX/XXXX and now reflects on my credit report as a higher balance, despite no refund being made to me. My balance should not have been adjusted prior to the money being in my hand point blank, that is wrong. It is also wrong I should be told XXXX weeks to wait for a refund I know they can process faster than this. I opened a case on the XXXX website, nelnet reached out and just reiterated I have to wait. This is unacceptable. I contacted the US dept of treasury at XXXX and was told this refund is still pending DOE approval. I reached out to a number given to me by the US treasury XXXX but when I selected the option for help with direct loans, i get told this extension is no longer in use and get hung up on. This is unacceptable. It is being reported to all 3 bureaus my balance is higher, i want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: FL

Complaint narrative:
On XX/XX/2022, I moved out of XXXX XXXX XXXX in XXXX, Florida. I lived at XXXX XXXX XXXX, formerly XXXX XXXX XXXX and XXXX XXXX XXXX, for five years and was never once late in paying my rent. Upon termination of my lease on XX/XX/2022, I was informed that I owed {$110.00} in utilities for the month of XXXX and immediately paid that amount by check # XXXX, from my checking account at XXXXXXXX XXXX, and mailed it to XXXX XXXX XXXX On XX/XX/2022, I received a letter from IQ Data International , Inc. indicating that the amount was turned over to a collection agency. I immediately called XXXX XXXX XXXX  and spoke to XXXX XXXX XXXX XXXX who indicated that she had received the check, the check was in her hand, but that she turned the amount over to a collection agency anyway, just for fun. This should be a crime. Now, I am dealing with constant telephone calls from a collection agency, for an amount that was paid immediately upon notification. I am not sure I blame the collection agency so much as I do XXXX XXXX XXXX The staff at XXXX XXXX XXXX has gone downhill since it was replaced by XXXX XXXX. They do not care about their tenants at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent a letter to the XXXX reporting companies asking them to investigate the bankruptcy that's reporting. ACCORDING TO 15 USC 1681i INVESTIGATION HAS TO BE CONDUCTED WITHIN 30 DAYS WITH THE COMPLETED RESULTS. THEY HAVE YET TO RECORD THE DISPUTED INFORMATION AS WELL, THATS ANOTHER FORM OF VIOLATION.

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 2022-12-12 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: IN

Complaint narrative:
The accounts are still open and they haven't reported back

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 2022-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have an account with wells fargo since 2005 at that time it was XXXX. 
I was never charge a fee until i saw a charge for {$150.00} in XXXX and i question it and was told it was an annual fee for the account maintenance. i told them i never pay a fee for this account and they say last year i was charge this fee also ( i must have miss it ). I ask them on several occasion to reimburse my money. 

XXXX the XXXX in a letter they say, ' Thank you for sharing your concerns and they will respond within 60 calendar days from the date we contacted them. 

In a letter i received, Dated XX/XX/XXXX, it say " the fee can be waived if the client 's household is linked to wells Fargo premier checking account '' I don't want any change to my account ; They change my account before without me asking or agreeing to it, not this one in question, my checking. 

Now they are saying on the phone they can't waive the fee. 
we went into the bank and call and talk to several representative.

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 2022-12-12 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: TX

Complaint narrative:
I sent you a dispute letter over a month ago ( XX/XX/2022 ) and I was expecting you would give me some kind of response since that's what the FCRA requires you to provide an update within 30 days but I don't know what happened it seems I need to seek help from CFPB first before it gets noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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:
THIS INQUIRY DOES NOT BELONGS TO ME XXXX XXXX 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 explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/XXXX, I was at a restaurant and my card was declined, they encourage you to use card to get rewards and had done so, Instead of calling asking about the use they shut down my card and called me after the the fact, and refused to let me know why saying it was an on going investigation, 15 days latter they finally let me know it was because i tried to use the card, I was only 45 minutes away from my home. I was totally humiliated, this was a Sams Synchrony Bank card

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 2022-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I paid off the balance on my card on XX/XX/2022. Since then I have been charged a {$1.00} " minimum interest '' fee which I did not know about and assumed my balance was XXXX. Because of this I then received several late fees of {$16.00}. Which adds up to quite a sum. I have now cancelled my card but still would like to report this predatory behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I am being billed for a debt that is not mine. PAM is attempting to collect a {$6.00} bridge toll from me for a vehicle using false licence plates. The vehicle in question did not have XXXX  licence plates. I previously disputed the validity of the debt, and PAM failed to respond with evidence showing that the vehicle was mine or that the licence plate belonged 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 2022-12-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this 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 complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX 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 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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. 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 60days 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 21 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-12-12 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: TX

Complaint narrative:
I am having issues with Transunion 's handling of my dispute of inaccurate information on my credit report. I reached out to them on XX/XX/XXXX asking them to reinvestigate because after my previous request for investigation, I reached out to the creditors but they failed to validate the information. Transunion failed to conduct and proper investigation and they are continuing to report inaccurate information without properly validating.

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 2022-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Submitting proof of residency for fraudulent accounts FCO XXXX XXXX to be reviewed and removed from XXXX and 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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
XXXX of my accounts with the student loan servicer, Nelnet, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a phone call from WorldWide XXXX and they let me know that I had been selected for a vacation presentation and for attending they would give me several prizes and a card with XXXX dollars without any obligation. On XX/XX/2022 I went to the presentation and bought a vacation plan with the option of being able to cancel it in 72 hours and call the company within 24 hours because I did not agree with what they sold me. Now they are charging me a debt of XXXX dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Submitting proof of residency again for fraudulent accounts XXXX XXXX XXXX to be reviewed and removed from XXXX and 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 2022-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted XXXX and Transunion creditors, and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. 
Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the data is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/2022 Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry XXXX : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date : XX/XX/2022 The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXXXXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX DEALERS Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 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