vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: PA

Complaint narrative:
On Tuesday the XXXX, approximately at XXXX, inside a motel lot, my car was repossessed by XXXX XXXX on behalf of Westlake Financial . This happened after their having called me incessantly demanding payment which were XXXX months in arrears. I stated to them that payment would be made in a reasonable time once I settle issues with technical and mechanical problems with the vehicle and I obtain new employment.

The auto dealer from where the car was purchased, only fixed the car XXXX  times but was not receptive to suggestions around providing a real fix. Long story short, the car never passed inspection for the XXXX  months I had it, engine light on, electrical issues, AC broke etc..Then, perhaps the biggest insult to injury, the car had a gps tracking device in the car which they denied being in there.

The reason I knew this was because at that hour, no one would randomly come to that Motel lot off of the highway at that hour unless they knew it was there. Also, interesting to note, this was not in the contract and there was no such disclosure of this type of device. This could also raise privacy issues. Our understanding of Truth in Lending Laws, Title 15 USC and Uniform Commercial Code has uncovered some very unsavory practices perpetrated daily on buyers by predatory lenders and dealers alike. 

This complaint may or may not meet your threshold of investigative inquiry but I hope to exhaust all remedies at this stage. Thank you for your consideration. 

Regards, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I have called American Express multiple times, and sent them a letter asking them to stop sending marketing emails and credit card offers to my business XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX It has been months now, and they refuse to stop sending me letters. I believe it is weekly or biweekly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I paid XXXX to XXXX account I already ask for this account to be removed from my credit report I paid XXXX for XXXX XXXX  and its past the XXXX days period

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union is covered by the XXXX XXXX XXXX XXXX, providing insurance of up to {$250000.00} on each member 's deposit account. Consequently, my checking account ( XXXX ) is insured for the same amount. However, despite this coverage, Navy Federal Credit Union has levied overdraft fees of {$580.00} and return item fees of {$390.00} on my checking account ( XXXX ), totaling {$890.00}. This action is considered illegal, as Navy Federal Credit Union did not suffer any financial losses due to the protection provided by the insurance. Additionally, Navy Federal Credit Union not only retains the insurance coverage for my account but also keeps the interest payments on each deposit. Therefore, it is unjustified to charge me when Navy Federal Credit Union is already holding all the proceeds as the custodian of my account. 

Regarding Custodial Accounts, the aggregated balances within a minor 's custodial account, established under the provisions of the Uniform Transfers to Minors Act, are insured separately from funds held by the minor or custodian in other Navy Federal accounts. These custodial accounts are entitled to receive distinct insurance coverage of up to {$250000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The American Express XXXX XXXX XXXX never change and they are showing higher balances then they are hurting my credit. This is to be updated monthly on the XXXX of the month and doesn't update. 
Please reach out to Amex and ask them to update this card information. Keeping my scores down. 

AMEX Link card name|What 's this? 
XXXX {$9000.00} XXXX updated XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this 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
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The XXXX XXXX Personal Credit Cards never change and they are showing higher balances then they are hurting my credit. This is to be updated monthly on the XXXX of the month and doesn't update. 
Please reach out to XXXX and ask them to update this card information. Keeping my scores down. 

XXXX Link card name|What 's this? 
Balance {$9000.00} Balance updated XX/XX/2024 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am the victim of Identity Theft on XX/XX/year>. I spoke w/ TransUnion XXXX on XX/XX/year> ( Credit dispute Case # XXXX ) and learned that TransUnion allowed an unauthorized party to unfreeze my TransUnion credit report the previous day, even though I had previously filed a Fraud Alert. Apparently public information such as previous address, was used to " verify '' the identity of the fake caller. Additionally, TransUnion reports they have no way to prevent another fake caller from again unfreezing the report if they have my DOB and SS #. XXXX  XXXX XXXX had a hard inquire against my TransUnion report XX/XX/year>, just after the report was unfrozen ( XXXX  Ref XXXX ). XXXX reports that as long as TransUnion will allow the fake caller to unfreeze my report, this situation will happen again. XXXX 's policy is to call my cell phone if a caller attempts to unfreeze my report. TransUnion indicates they do not have any ability to stop the behavior, resulting in losses to XXXX  and much time spent by me. What good is a credit freeze against identity theft if TransUnion will simply unfreeze the report on the telephone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Against XXXX for Erroneous Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Phone : XXXX XXXX, XXXX Consumer Financial Protection Bureau To Whom It May Concern, I am writing to lodge a formal complaint against XXXX, a XXXX loan servicing company, for an error in reporting my payment history to credit bureaus, which has unjustly damaged my XXXX XXXX and financial standing. This complaint details an issue that occurred around XXXX and has continued to adversely affect my credit history to this date. 

In XXXX, I was in communication with XXXX to arrange for a deferment or an alternative payment plan for my student loans, as my existing deferment period was nearing its end. After diligently ensuring that all necessary steps were taken to secure the deferment, I was dismayed to discover approximately a month later that my credit score had plummeted by over XXXX points. Upon investigating the cause, I learned that XXXX had reported a missed payment to the credit bureaus. This was not just a single report ; because my debt was fragmented into over XXXX separate accounts, it appeared as though I had missed XXXX payments concurrently. 

I immediately contacted XXXX to address this discrepancy, as I had not missed any payments and had taken all the appropriate steps to ensure my account was in deferment. Despite acknowledging their error, XXXX refused to rectify the misinformation reported to the credit bureaus. This erroneous reporting has persisted in affecting my XXXX XXXX negatively, despite my efforts to resolve this issue and maintain a punctual payment record post-consolidation of my loans. 

The impact of this error on my credit history is profound and unjust, considering that the fault lies entirely with XXXX 's mishandling of my account information. It is crucial for my financial wellbeing that this error be corrected, and the erroneous late payment reports be removed from my credit history. 

Therefore, I respectfully request the Consumer Financial Protection Bureau to intervene on my behalf and investigate this matter. I seek the removal of the incorrect late payment entries from my credit report and any other necessary corrections to ensure that my credit history accurately reflects my payment record. 

I am prepared to provide any further information or documentation as needed to assist in the resolution of this complaint. Thank you for your attention to this matter and for your assistance in rectifying this significant issue. 

Sincerely, 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
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX is attempting to collect a debt that is not owed. XXXX XXXX was deleted from my credit profile in XXXX and was proven invalid. It is now back on my credit report, under a different debt collector name. Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i recently logged into my Experian credit file to see XXXX separate fraudulent XXXX accounts reporting each reporting a different balance {$3800.00}, {$3400.00}, {$6700.00}. i've made several attempts for an investigation from Experian, approx XXXX mins after i submit a dispute, i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating. I do not wish to do business or contract with XXXX immediately remove what appears to be fraudulent information from my credit profile and stop your reporting said debt., i have never done business, signed any contract or documents with XXXX XXXX anyone they are collecting for, I do not wish to contract or do business with 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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentiality under 15 USC 1681. 


I sent letters to XXXX, Transunion, and XXXX as well as use a third part service such as XXXX XXXX to make disputes asking them to verify and comfirm the accuracy of the the following accounts : XXXX XXXX XXXX XXXXXXXX and if they couldn't show proof by law have to remove those accounts. However, after sending those letters and disputing with XXXX XXXX I wasn't notfied about the status of my investigation or given any proof that states these accounts are verified and accurate. Therefor these accounts should be removed but that wasnt the case. I also have proof of the inaccuracies with these accounts across all 3 credit bureus. I am also concerned as to why I have seen no changes to my credit report after making several attempt to reach out to diffent credit reporting agencies. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I already had put in a claim with the XXXX  and Cashapp had promised me dispute. My card was taken XX/XX/XXXX, after I lost it at XXXX XXXX on XXXX XXXX in XXXX, nj. The company only returned {$20.00} out of {$85.00} that was used on an unknown site ( they wouldnt tell me what site, XXXX  you search the site nothing comes up ). When I talked to a live representative they told me to file the other disputes, in which after I did so. The company shut down my cards and bank account with XXXX regard of customer care or return of my funds. After, I did what they demanded. They refuse to cooperate with the XXXX  claim and they lied about their resolution of the situation. I have screenshots and emails from the company telling me to request the dispute for my money/ the return of only {$20.00}. This isnt the first time cashapp has done this. In about XXXX or XX/XX/2023, I had an incident with them after I showed hard evidence of my account being breached for over {$200.00}. They didnt do anything but tell me to call XXXX instead. XXXX then ordered me to request the refund through their company and they denied again. I just want my other {$60.00} back and I will then gladly never use their services again. Ive been a consumer on their app for many many years now. Im convinced cashapp is sided with the criminals and thieves of this country. Im not the first to go through this and they treat all of us the same. Robbery and scamming is very intolerant. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
XX/XX/2017 I took out a {$8500.00} loan with one main and was advised that I would need to purchase unemployment protection and other products. I have attempted several times to cancel these XXXX  after I was unable to use XXXX of them during my departure of my employer. One main agents have refused several times to cancel these products at my request advising that I missed the deadline when in fact I did not. My first request for cancellation was within the period of the policy and a XXXX XXXX  XXXX  told me she will send me cancellation documents when she never did and refused to take my calls following my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
Submitted borrower defense cases in late XXXX due to the schools ( XXXX XXXX and XXXX XXXX ) being accused of misleading students alongwith false promises. Borrower defense cases were approved in XX/XX/XXXX. Havebeen trying to get a resolution from the Department of Education and my loanservicer ( XXXX ) for the last year. However when reaching out to either one, theyimmediately start pointing at the other company for resolution. Was informed byXXXX  on XXXX that a refund of {$5300.00} was to issued. However thatmoney has not been received. Court documents attached show that all of thestudents loans and credit repair was to be completed by XX/XX/XXXX. However thishas not happened. Legal documents have been filed by the Project on PredatoryStudent Lending.

Company response to consumer: Closed with explanation