vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
Good afternoon, I am writing to you because I have problems with this personal loan. I lost my job and due to the high interest rates of this loan, which are 96.97 % per year, it has been impossible for me to pay it. I have called repeatedly to ask a payment agreement and have been denied any possibility of payment relief. They have threatened me with putting the loan in collection and that would hurt me a lot. I think the interest they charge is too high and outlawed. This bank has violated usury law, where by law in Florida lenders can only charge Max 18 % annually. and if so, they would be subject to sanctions that include the loss of interest, both those already paid and those that remain to be paid I request a review of this loan, as well as the removal of this loan from my credit, at the XXXX bureau, which is where I report. attached copy of the contract where it indicates the usury interest rate 96.97 % APR. 

I am writing this letter based on your debt collection regulations, which clarify certain provisions contained in the Fair Debt Collection Practices Act ( FDCPA ) that went into effect on XX/XX/2021 I hope you can help me, I am a single mother and I have a family burden and many responsibilities and this loan has damaged my credit and my peace of mind

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: NC

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion I will never stop filing complaints against you because I know my rights! 

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

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

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.

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 2023-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
On the date of XX/XX/2023 I got approved for a car loan. The car was XXXX but my finance charges are XXXX Under 15 U.S.C. 1605 I was never supposed to put a down payment it should have been a sum of all chargers. I received no insurance which under consumer law I was supposed to have that and there was no cash in hand Im goin threw a legal battle for worker comp and cant work so Im up for repo. But digging deep into the situation they broke laws and that should void the contract I will send letters upon my request to the Right to rescind 15 U.S.C. 1635 I will revolt my signature I wanted to put you on notice the company is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS DISPUTE IS XXXX STUDENT LOAN HAS BEEN DISCHARGED AND I AM NO LONGER LIABLE FOR THIS ACCOUNT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE.

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 2023-05-19 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: CA

Complaint narrative:
NAME OF INQUIRY TO BE DELETED IS XXXX XXXX XXXX DATED ON 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 non-monetary relief
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX, PA XXXX DISPUTED CREDIT INQUIRIES THESE LENDERS HAVE ACCESSED MY TRANSUNION CREDIT FILE WITHOUT MY PERMISSION. I AM ASKING TRANSUNION TO REMOVE ALL THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXXXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 


XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXXXXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXXXXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXXXXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry.

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 2023-05-18 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: Eagle Financial Services, Inc.
State: CA

Complaint narrative:
Eagle Loan Company is showing the SAME LOAN TWICE on the credit report. Account was paid and closed. This account is 7 years and 5 months old and refuse to remove it off my credit report. And the other one is showing 6 years and 5 months. Their reporting information is inaccurate and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have noticed several inaccuracies in the way my accounts have been reported. The information provided is missing the furnishers contact information. I am not able to reach this furnisher about this inaccurate reporting. 

This item does not meet the maximum possible accurate standard and must be deleted to correct this inaccurate reporting.

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 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Fund 's not available in account. Check not available 21 act violations. Expedited funds act violations

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 2023-05-19 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
USBank sold the credit card we had through them to another bank. Then, they sent a notice that the type of checking account we had with them would start incurring monthly fees because we no longer had a credit card with them. When we called customer service we were told that they were launching a new checking account type that would waive the fees with direct deposit and we were told our account would get changed to the new account type ( " Smartly checking '' ) so no fees would be charged. 

Today I discover they have been charging a XXXX monthly fee since XXXX of this year, 5 fees, totaling XXXX Customer service partially addressed the problem and refunded the last 3 of those fees but refuse to remedy the other 2 fees ( XXXX XXXX ). Customer service says they can not fix more than 3 months and when asked, they say there is no one at the bank who can authorize more than 3 corrections. 

net result : USbank has charged us XXXX in inappropriate and unauthorized fees that they refuse to correct under the guise of a customer service policy to not refund fees charged more then 3 months ago.

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 2023-05-19 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX  XXXX XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX  I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Car insurance companies are reporting accounts that are paid off. I have paid these in full. And I am still insured with the company. I would need to back the t=debt back before they would insure me again. Please remove this this is an error harming my credit severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: NY

Complaint narrative:
My IRA transaction was incompetently handled at Discover bank and they failed to respond to calls both by telephone or written letter sent by certified mail. 

I made my {$7000.00} traditional IRA contribution for the prior year ( XXXX ) on XX/XX/XXXX to my existing IRA savings account via ACH transfer which was mistakenly confirmed as this year 's ( XXXX ) contribution. After I sent a message notifying Discover of the discrepancy I received a secure reply on the morning of XX/XX/XXXX stating that the contribution " would be reclassified and coded to the prior year in 2-4 days ''. However, 10 days went by without a response, and when I called the customer service number I was given conflicting replies that did not address the problem at all. I put all the detailed information in writing and mailed the letter and corresponding documentation to their customer service department by certified mail on XX/XX/XXXX and still have not received a response to such a simple matter. 
I am totally frustrated and can't comprehend or understand how the Discover bank can operate in such a manner. As they are an online bank they seem to just take in money but do not service clients and they have no branch locations so we have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: NV

Complaint narrative:
An account was created and given to Southwest Recovery Services by a XXXX XXXX XXXX. I have no knowledge who XXXX XXXX XXXX is or why an account would be created that was never paid for. It looks like it was created in XXXX XXXX and was never paid? The first I hear of it was when the collection agency placed it on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: NC

Complaint narrative:
Simply told them its not mine..Im a victim of fraud

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 2023-05-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a dispute on XX/XX/23 for a collection account that is being reported on my Experian account but NO other credit report because it has been disputed before and found to be INACCURATE and was removed. The collection was NOT investigated. On XX/XX/23 the investigation was closed and it did not result in any change to the inaccurate reporting of a collection account.

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 2023-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I was in their XXXX, Tx store in XX/XX/2023 and the sales person pulled the product I requested from the stock in the back of the store and wrapped it up and bagged it after I purchased it to have me pick up later. After picking it up I immediately put it in my suitcase to fly home back to Virginia. The store has wrapped it in tissue so I never saw the product until I got home. After arriving home I unwrapped it to find she had pulled a duvet cover instead of a set of sheets from the back of the store. I called the store and they sent me a label to return it. I then purchased two sets of sheets over the phone from her and returned the duvet via the mail. The sheets were now purchased on a new billing statement with the Frontgate card. Front gate initially tried to give me store credit but I got that corrected and they credited my Frontgate Card instead. Then I called the Frontgate CC to tell them what happened twice and that I did not have a balance due for that statement. The statement credit was there. They have been contacting me every day via phone calls and emails, texts too telling me my account needed attention. I called them again and explained yesterday. They even had waived the late fee as there is no balance for that statement. The two sets of sheets were purchased on the next statement and that balance is due on XX/XX/XXXX that I will pay in full. I am still receiving emails from them after the XXXX call. Why would I owe them a payment on a purchase that the store made an error in and was returned? 
I believe this is harassment as they are still trying to get me to pay for this product that I never received and returned the product sent in error..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18 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:
On XX/XX/2023 I sent out several disputes to equifax and I never received any response up to and even after the 30 day period alloted for them to reply. On XX/XX/2023 I sent out another dispute asking them to remove the negative items because they are inaccurate and because of the fact I never received any response for them. On Today, XX/XX/2023 I received an answer from them for only two of my disputed items being XXXX  XXXX and XXXX XXXX XXXX  coming back as verified. This is incorrect and needs to be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2023 {$100.00} XX/XX/2023 {$50.00} XX/XX/2023 {$150.00} XX/XX/2023 {$100.00} I reach out to the company XXXX on XX/XX/2023 and it has been a month and I still have not recieve may money back. Above is the transaction that was fraudualy taken out ot my account through XXXX XXXX. I advise the company that I do not see these trasaction on my XXXX XXXX. I wondering how was this possible. It has been a month I have not got my money back. I advise to expidite my refund they stated they are waiting on the response from XXXX XXXX. I need my money deposit bact to my account.

Company response to consumer: Closed with explanation