vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Complaint Number XXXX & XXXX XXXX XXXX I ahve since called the company becuase they called me telling that they were looking in to it late and geave me a special phone number and extension to conact with any any questions on late Friday afternoon, afterwards I then recieved my mail and found a letter sdtating that Ally was going to negativley report my accout to the credit bureaus. It was too late to call but I did and leave a message. I got voice mail from my contact per the phone ext given it wasa XXXX, who out of office recording stated he was out of the office and would return XXXXXXXX XXXX? I finally spoke with someone else and requested to speak with managment Iwas told that managment was not avialable and I had to speak with XXXX, I finally spoke with him and he said he hadnt had time to review my account that he requested documents, my payment hisotry. I then requested to speak witha manager he said there were nomangagers avialable and eventually said he need to hang up as I would not take now for an answer to speak with a manager, Today I viewed my account on the online protal, it now relects that I am {$800.00} plus in arrears, thisis worng as Ihave made every payment and when i look att he payment hisotry on t he webiste and look at the break down of the payment they show late fees? 
I do not understand and dont trust that any info they report is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed through my credit monitoring there are inquiries on report that I did not authorize. XX/XX/2023 it was added to my credit report an inquiry that I did not do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America removed autopay from my credit card causing me to miss a {$15.00} payment, dropping my credit score XXXX points. I have been successful in getting the interest charges removed, but was told my request to remove the credit mark was not approved. After countless calls with BoA, their explanation was that they technically sent an email to say that autopay had been removed and that I should have been on top of it. On XX/XX/XXXX they did email me to say my autopay accounts had been removed, but I didn't see it in a sea of daily spam from BoA. I should also add that I had a scheduled payment for XX/XX/XXXX from the account that was terminated, which would have given me only 3 days to add a new payment amount and pay my bill. BoA did not email me to say my bill had not been paid once the deadline was missed. 

I have never been late on a credit card payment in my life. I pay my bill in full every month. I only keep my BoA account open because it's my longest standing credit card. I believe BoA is intentionally making bill pay difficult for people in order to charge interest and ruin credit. While I could have avoided this if I had immaculate monitoring around my account, I assumed that such a basic feature would be no problem for a large bank like BoA, but I incorrectly assumed their motive is to provide a positive experience for their customers rather than fraudulently manipulate them. 

I argue that BoA shouldn't be removing autopay from accounts, and in my case should be forced to withdraw the late credit mark on my name.

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 2023-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
I received an alert from XXXX XXXX that a Collections account was reported on my credit file XX/XX/XXXX and looking up the info from XXXX XXXX was XXXX XXXX XXXX XXXX XXXX. I never received any notifications from any company or mailings of validation of debt to dispute. I have Informed Delivery from USPS that informs if mailings is being delivered and the XXXX XXXX XXXX XXXX violated the FDCPA ( 15 U.S. Code 1692k ). 

When a Debt Collector Can Report Information About a Debt to Credit Reporting Agencies Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency, the debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverable comes back. 

No attempts was made prior to reporting on the Credit file. XXXX XXXX XXXX XXXX XXXX said that I owe Advance America XX/XX/XXXX. I contacted Advance America no as I have not received such info from the Business. I have done Business with Advance America in the past and the disputed with Advance America and no Validation of Debt was sent to me. Although they mention I had loans after XX/XX/XXXX. As 1 loan can be taken out at a time after it is paid off with the Company. 

I disputed with the Credit Bureaus and the 3 major Companies, XXXX, XXXX, and XXXX refuse to delete as XXXX XXXX XXXX said the info was correct. 

I emailed XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX that I disputed the account. 
On XX/XX/XXXX a response was 2 forms that was sent and that the info can not be deleted from file. I informed that a data breach is in the system because this is not accurate. XXXX XXXX XXXX XXXX XXXX fails to comply with the rules of the FDCPA and Consumer Financial Protection Act. My info is used into the XXXX major credit bureaus and not handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for the Bank of America Cash Rewards Card. Incentives are {$25.00} per quarter, if eligible. But I missed the last quarter rewards. I called BOA customer service on XX/XX/2023 and after reviewing my account, the staff XXXX said I am eligible for the reward but should wait until XX/XX/2023. He said the rewards would be arrived within 30 days. If there is no award, I can call back after XX/XX/2023. Because I dont see the rewards, I called customer service again on XX/XX/2023 XXXXXXXX XXXX. XXXX review my account and she said she can write a notice on my account and let me wait 2-3 days for the rewards in. XX/XX/2023 XXXX PM, I called the third time. XXXX said she can let them to put the rewards quickly after reviewing my account. Also, she gave me a suggestion not to pay full amount at due day ( XXXX XXXX ) and wait the rewards in. She said she would write a notice let me qualify for next quart. ( Dont pay the full amount is not qualify for the next quarter ). I have no idea and pay the full amount and I called the customer service the fourth time on XX/XX/2023. Also, I leave a message on XXXX BOA XXXX XXXX. They called me back and said you are noy qualify so you cant get the rewards. And She told me already mail me the letter on XXXX to let me know I am not qualifying but I never received and no find on my Mobile App ( All the letter can get on my Mobile App ). I dont know why she said I am not qualifying, and another three staffs work for BOA all said I am qualified to get the rewards after they review. If I am not qualifying why the three staffs all let me wait the rewards in? The fourth guy said that is the old program so the staff does not know. Also, I dont know why the staffs work at customer service wouldnt get the training from their company? The bank never let me know which is the qualify for cash rewards. 
I attached the quarter of the bill and I paid every Months. 
I want to get my rewards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
hello I noticed on credit report they sent inquiry that I did not do it was 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 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent accounts appearing on credit report. 

1. XXXX XXXX 2. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
XXXX XXXX XXXXXXXX removed autopay from my credit card causing me to miss a {$15.00} payment, dropping my credit score XXXX points. I have been successful in getting the interest charges removed, but was told my request to remove the credit mark was not approved. After countless calls with XXXX, their explanation was that they technically sent an email to say that autopay had been removed and that I should have been on top of it. On XX/XX/XXXX they did email me to say my autopay accounts had been removed, but I didn't see it in a sea of daily spam from XXXX. I should also add that I had a scheduled payment for XX/XX/XXXX from the account that was terminated, which would have given me only 3 days to add a new payment amount and pay my bill. XXXX did not email me to say my bill had not been paid once the deadline was missed. 

I have never been late on a credit card payment in my life. I pay my bill in full every month. I only keep my XXXX account open because it's my longest standing credit card. I believe XXXX is intentionally making bill pay difficult for people in order to charge interest and ruin credit. While I could have avoided this if I had immaculate monitoring around my account, I assumed that such a basic feature would be no problem for a large bank like XXXX, but I incorrectly assumed their motive is to provide a positive experience for their customers rather than fraudulently manipulate them. 

I argue that XXXX shouldn't be removing autopay from accounts, and in my case should be forced to withdraw the late credit mark on my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: MI

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 1681XXXX 
Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX  XXXX  XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX. Account XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX. Account XXXX : XXXX. Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent accounts appearing on credit report. 

XXXX. XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Autovest, L.L.C.
State: OH

Complaint narrative:
I had a car financed thru first investors that got stolen and I was told I had a balance left. I had gap insurance and on my credit report it was charged off and paid in full. Then a company call Autovest.llc. Bought it and is trying to garnish my wages when I never had debt with them. I informed them it agains the law to do that but went to another county in oHio and went to court without me knowing with falsified paperwork and claim I owe them money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony bank appears to have close all of my credit lines for no apparent reason. XXXX on my last count this probably tanking my credit score in the near future. I pay all of my bills on time and always will. But one thing I will never do is get a line of credit through them and will let my family know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I can not log into Bank of America 's website to view my account details, I can not see what fees and interest I have been charged. Also, on XX/XX/2023, I made an attempt to settle debt I owe with Bank of America, currently represented by XXXX XXXX XXXX, XXXX. of XXXX XXXX XXXX XXXX XXXX In an effort to do so, I tried to verify the amount I owed was correct. I asked them what the original principal was and what additional fees and interest had been added to that to arrive at the figure they were claiming I owed them. They ( i do not know the name of who I spoke to on the phone ) refused to answer, claiming that they did not know. I am worried they are using the threat of bankruptcy to force me to pay fake or incorrect fees. If it is possible to help, I would greatly appreciate it. Also, they told me they recorded the phone call ; If you request it, it will back me up 100 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: MI

Complaint narrative:
XX/XX/XXXX AES now calling the business XXXX  has once again taken points from my credit report as well as negative remarks regarding student loans. 

Student loans have been on pause since the pandemic as many affected financially especially the lower earners. This is the 3rd time I have to keep filing complaints regarding my credit report.

Why is my credit report lawfully allowed to have negative comments on a debt I should have been able to file bankruptcy on in XXXX? The pause is in affect at this time XXXX? 

In addition XXXX has added {$510.00} in unpaid interest for XXXX! 

Struggled to make {$33000.00} dollars last year as well as roof over my head and food on the table. I can not afford any payments! 

The loan service companies can not lawfully ding credit reports, but yet continue to do so. 

Can i please get some legal help with these issues to end them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio recovery trying to collect on behalf of XXXX XXXX for a higher amount of {$3500.00} when the judgement clearly states {$3300.00} at 0 % interest. This is a clear violation of the FCRA and they are reporting inaccurate amount to the the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed that there is inquiry on my report that I did not authorize the company is called XXXX XXXX  they added to my credit report on XX/XX/2022. l called XXXX of XXXX  they said that it would be removed and it haven't been 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 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  Account : XXXX and Amount Collect : {$100.00} and Account : XXXX Amount : {$120.00} from Creditor : XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit 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 non-monetary relief
Consumer complaint received 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
hello I noticed that there are unauthorized inquiries on my credit report that I did not authorize the company name is XXXX XXXXXXXX XXXX XXXX XXXX I did not authorize this inquiry they added this to my credit report on XX/XX/XXXX XXXX XXXX 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