vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 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: GA

Complaint narrative:
I've been going back and forth on numerous occassions with XXXX, XXXX and TransUnion regarding Bankruptcies placed on my credit report. ref # XXXX and XXXX. Based on the letter I received from United States Bankruptcy Court XXXX District of XXXX  stating that it does not provide information to credit reporting agencies. Due to Bankruptcy cases information being available for any interested party to review. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report. I didnt give any permission nor consent or authorization for this action to take place on my consumer report. This is a violation to the Fair Credit Reporting Act. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, No adverse items besides the conviction of crimes should be on your report, any items that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX, TransUnion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On around XX/XX/XXXX and before I had noticed unauthorized transactions. I did not do I was told wait until its done pending and then report. I did as I was told to wait some more. I finally was able to report it through the bank today and they denied it the same day. Without no documentation or explanation. The rep over the phone did the report for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
Rozlin Financial Group Inc ( RFGI ), XXXX XXXX XXXX XXXX, IL XXXX has placed a collection item on XXXX, XXXX and XXXX credit report in the amount of {$1800.00}. I do not owe this debt with RFGI and it is negatively impacting my credit score. I requested a signed documents showing that I've done business with them and they sent me documents from another company but not RFGI. I filed a complaint with XXXX XXXX XXXX as well and RFGI refused to remove this item from my credit report. This is a violation as a consumer and I request this item be removed from my personal credit report. Thank you

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have had a Kohl 's Store card for many years and used it to make occasional purchases, always keeping my balance below {$500.00}, preferablly at at {$0.00} balance. I liked the rewards and coupons that I could access and that is why I kept the account. 

Back in XX/XX/2023, I was notified that my account was selected for a conversion to a Capital One Visa card. I looked for an opt out process among the fine print and could no

t find one. I asked friends and family with Kohl 's cards if they had gotten this and they had not. It was a busy time for me at work and I lost track of it. I made a small purchase using my Kohl 's account before the conversion. When I we
nt to pay the online on XX/XX/XXXX, the date that it was due, I discovered that my Kohl 's account was no longer active. I called Kohl 's and they referred me to Capital One. I spoke to a representative there and was told I had to pay the bill through Capital One instead. When I tried to pay the bill, I discoverd that I would incur a late fee because it was after hours and would post the next day. This was not the practice with the Kohl 's card. I was able to speak to someone at Capital One today and they will waive the late fee, however it will take 3-5 business days to show on the account which means I need to pay the late fee in order to avoid another late fee, and will then receive a credit which is another hassle.

I am extremely frustrated. I never asked for nor approved for a Capital One Visa card to be issued in my name. I only keep one major credit card and I don't want this card, especially since it has an interest rate of 30 %. I don't know who in their right mind would open a credit card with a 30 % interest rate! This has been a waste of my time dealing with all of this and having to keep making calls to resolve. I am concerned about how it will impact my credit if I now close the card which will be more work on my part having to call and cancel it.

Does a credit card company have the right to issue a card in my name without my permission? This does not seem legal. I am looking for guidance with how to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
Since XXXX through XXXX I have been trying to solve an incorrect reporting by National Credit Systems Inc. In XXXX of XXXX I consulted with an atty to represent me on my behalf of which they agreed, and the attorney group sent a letter to National Credit Systems via certified letter of which it revealed they received the letter and did not comply with my request. since thus time this company has not mail any supporting documents to the attorney group to support why they are reporting a charge of {$6900.00} on all XXXX major credit bureaus, which is greatly impacting me. Additionally, I have sent letters to the credit bureaus in XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX, still no resolve. National Credit Sytems continues to update credit report monthly siting collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a new account with Citi Bank and provided the account number and routing number as shown in my mobile app to my employer for direct deposit on XX/XX/XXXX. 
The direct deposit was made on XX/XX/XXXX by my employer but it was not credited in my account, I had a financial obligation on XX/XX/XXXX which depends on that amount ( XXXX ). 
Upon reaching out to Citi bank all day long they told me the amount will be deposited by the end of the day, which never happened and I sustained a financial loss on that day due to that. 
On Friday XX/XX/XXXX Citi Bank sent a letter to my employer stating that I entered a wrong routing number and they provided the correct routing number and my employer sent that back to them ; the routing number I entered was provided to me in my Citi account info app ( will be attached ). 
Till this moment, the funds are not in the account, no reason was given by Citi bank despite reaching out to them more than10 times daily and me continue to get financially harmed by lack of funds. 
My Citi Acct number is XXXX, the routing number as it appears on my account info is XXXX, the correct routing number which was given by Citi to my employer is : 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 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I financed a used car on XX/XX/XXXX, with a used car dealer at the time they were in a transition to change their company name from " XXXX XXXX XXXX '' to what they are now called " XXXX XXXX ''. The loan company is named " Credit Acceptance ''. 

On my bill of sale I owe {$25000.00} for a XXXX XXXX XXXX XXXX quad cab. I was also informed that this is the total amount I will owe. 
But when I logged in to my online account today with credit acceptance on XX/XX/XXXX, it shows that the initial cost of the vehicle is {$44000.00}. Which is untrue. Other times I have logged in prior to this I've noticed it fluctuated from XXXX to the XXXX range. and today {$44000.00} is what is reflected. 

I sense there is some numbers manipulation going on here and I sense that credit acceptance is not being honest and is not conducting business in complete legitimacy. 

Also at the time this was my first time purchasing or making any kind of auto purchase ever and I knew nothing about credit or interest ratings for car loans.

After making this mistake I've learned that the whole time I was being taken advantage of as I didn't know that 22 % APR on a used car was so high. Whether that be a used car or a new car for that matter. I learned that this rate is unacceptable as I tell everyone about my APR interest rating, they all tell me its extremely high and that I pretty much got taken advantage of. I demand that this unfair act be corrected and that no one else shall have to face the same financial hardships I have due to such high rates! 

I would like to move forward with addressing these issues and have the credit acceptance company take full responsibility for their actions! 

I have looked at my online contract and noticed there were fees not discussed in greater detail with me at the time of making the purchase. I initially thought that I would be paying only {$25000.00}. I realized now that it was the high interest rate at 22 % that made this amount go up. It doesn't make sense to me and I'm not happy about it at all. I feel as I have been tricked into making the purchase and no one ever explained to me that I would owe more than the vehicle was worth!

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 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
National Credit System Collection reporting a debt to the credit bureaus says that I owed in the {$3800.00}. I received a copy of my credit report and found they are reporting this inaccurate item ( online credit report ) I contacted the above mentioned agency by phone and writing said debt belongs to me. 
Contacted the Original Creditor by phone XXXX XXXX XXXX at XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX Iwas told I owed debt. I do not owe the debt and I want its delete from my credit reports.Its hurting my character. Date report to credit bureau XXXX XXXX in the amount of {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TN

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-08-14 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: EQUIFAX, INC.
State: MS

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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-14 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: MS

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.

has violated my rights. Or list of inquiries 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 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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Ive had this account for a few months now. I make all my payments in full and on time. This bank insists on putting a hold on every single one of my payments that are over {$500.00} for over two weeks. Ive never had a return payment, or any reason to continuously put a hold on all of my payments. Every time I call, they say they cant release the hold. I have two other credit cards, one processes payments and gives me available credit the same day, the other one processes payments and available credit within 24-48 hours. This bank is punishing me without reason and impacting my ability to use this account. The whole purpose was to build history with this bank, have my credit line increased and start using this card as my primary. So far, this credit card is completely unreliable. The company cuts me off for no reason with no explanation.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
Money Network Dispute Claim # XXXX I had disputed a charge against a merchant for {$100.00} upon discovering they charged my other credit card for the same exact thing. This transaction was disputed as Paid for by other means. The bank refuses to credit me for the funds, stating, Based on the results of this investigation, your claim has been denied due to the dispute is considered a civil matter between the card holder in the merchant. They did not provide any reason whatsoever for denying my dispute. And there cant be any valid reason, as I showed them clear supporting documentation of my other bank statement showing the same merchant, the same amount and the same date. I had disputed a couple of transactions in the past, also as Paid for by other means, and provided Money Network with my other bank statement, and they found in my favor. There was no this is considered a civil matter. So why would this one be treated any differently?? Its the same type of dispute, and I showed the same type of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TN

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've had the capital one credit card for many many years, which I have used a lot and always paid on time. I have a XXXX credit limit so my minimum payment is not low.. After covid everything changed and i bough a house a lil before covid, then i had XXXX kids, and am now single, my income changed dramatically after covid, but i was managing to do minimum payments. Right now I am not able to make not even the minimum payments so i decided to call to get help. It is incredible that such a big bank like Capital one was not able to find ANY ANY programs, any solution, nothing. I asked them to lower the minimum payment, nothing, i asked them to lower my interest rate for a certain period of time, NOTHING... am not sure if it was the associate that did not know what he was doing or it is just that capital one after they XXXX the life out of you with the highest interests rate they simply dont care to help customers when they need it. Ive paid XXXX of dollars in interest rates already so they tell me now they can not help me. I feel robbed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I set it up on auto bill pay with my bank for XXXX for the month of XXXX but the payment never went through and I wasnt notified until XXXX. I asked for a one time courtesy. I sent in bank statement showing it was on auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: PayTomorrow, LLC
State: OR

Complaint narrative:
I got an email of an alert of a new account applied to my credit report. I tried contacting pay tommorow to inquire about why they are on my credit report and why they took a year to get ahold of me for something I didn't authorize. They told me to file a police report and contact the third party that issued some purchase. I cant get through to the third party to see what was fraudulently purchased with my info. Not sure what the police can do as it's taken this company over a year to inform me of some third party purchase I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TX

Complaint narrative:
See the attached Debt Delete letter from the company and remove the XXXX XXXX XXXX account 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