vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. XXXX XXXX has submitted a dispute and TD auto finance has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I check my XXXX XXXX and notice hard inquiry that should not be there. I have never open credit card with these company. CBNA/THD its affecting my credit. I tried reaching out to them and no luck. I want dispute these.

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 2023-04-21 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: CA

Complaint narrative:
TransUnion is reporting a bankruptcy inaccurately on my TransUnion consumer report after I have disputed with them for completeness and accuracy in XXXX of XXXX. They continue to report this erroneous bankruptcy report without obeying 15 USC 1681 ( n ). They verified inaccurate bankruptcy records willingly and knowingly disseminating inaccurate information to various 3rd parties without my consent. 
XXXX XXXX has also blocked all personal information from my XXXX XXXX report ( please see attachment ). TransUnion should have permanently blocked and deleted the erroneous information on my consumer 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 2023-04-20 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: PA

Complaint narrative:
XXXX have these negative items on my report I tried to resolve the issue and its still not fix.None of the companies XXXX XXXX XXXX XXXXXXXX or any of the negative items on my report have a agreement with my signature or valid contract.I didnt give any of these companies to share any information.They dont have a statement saying I paid them anything.

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 2023-04-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX have these negative items on my report I tried to resolve the issue and its still not fix.None of the companies XXXX XXXX XXXX XXXXXXXX or any of the negative items on my report have a agreement with my signature or valid contract.I didnt give any of these companies to share any information.They dont have a statement saying I paid them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: LA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2023-04-20 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: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXX XXXX  states they have no record of it yet they are appearing on my XXXX account. XXXX XXXX  has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.

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 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I went to Wells Fargo around XX/XX/XXXX  to make a deposit at your Wells Fargo branch on XXXX XXXX, in XXXX, Georgia. I put my card in the ATM machine and put in my pin... it then popped out and said Invalid Pin. I then hit cancel, took my card out and put my it back in again put my pin in again. As soon as I pressed deposit, the screen blinked and said OVERDRAFT. Then suddenly my card came out and it printed OVERDRAFT. The OVERDRAFT was XXXX. Account ended in XXXX I had in my account XXXX. A few moments later I called the Wells Fargo XXXX number and told them what happened. They stated they would look into what happened and issue me a new card ( they have done that ). On the next day, which was a Saturday, I went into the branch and told them the exact same thing. I also told them that they needed to check the ATM window outside where people withdraw their monies. The Customer Service Agent inside told me that they have nothing to do with the ATM machines outside because they were owned by another company. AND, I was also told that since I had already contact the XXXX number there was nothing else they could do. They printed me my Account History. 

The agent that took my information was quite " nasty '' to say the least, saying things like UMMM! Yea! As if she did not believe me. Why would I take my own money out and and an additional 100.00 when I have several other bank accounts. Later, I was sent a letter telling me the matter was closed and Wells Fargo doesn't owe me any monie

s. I
called Wells Fargo AGAIN and told them the same thing that I had told the other agent earlier. She took down more information, however, I have not heard from them in almost two weeks.

On another occasion the same thing happened, and they texted me about it, but minutes later the money was put back into my account. However, I was not at the bank this time. They just TEXTED my phone number. 

Wells Fargo has been on the news several times in the past few months with happenings such as this. 

They have turned me down twice and want ME TO PAY them an EXTRA {$100.00} and they would waive the overdraft fees of {$35.00} as a courtesy to me. REALLY!! 

I can send you the emails that they have sent me if you would like me to

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 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is in response to : COMPLAINT ID : XXXX I reached out to Bank of America regarding this complaint ( case # XXXX ) and they provided me with a confirmation they received from the alleged beneficiary bank confirming the funds have been received. I have attached the confirmation to this email. Upon opening the pdf, the beneficiary bank the funds were sent to is incorrect. The funds were indeed sent to the wrong bank per the pdf attached. I have attached my original instructions. The bank or its intermediary have sent the funds to the wrong bank and now the incorrect beneficiary is not responding to their recall request. I am now stuck because someone made a clerical error. I was hoping someone can help me bc bank of america is giving the runaround. I put the right information into my transfer and yet the Bank or its intermediary made a mistake on their end. It's not me, the client, who made the mistake but someone on their end either the bank or it's intermediary. The confirmation they have provided me with prove that the Receiver Institution on the PDF is : XXXX XXXX  XXXX XXXX with XXXX XXXX ; The BANK I instructed Bank of America to send the funds to is XXXX with XXXX XXXX ( XXXX ). Two differents institutions. I really need some help because I am still waiting 7 months later for incorrect info and the Bank of America is giving me the lip service treatment.

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received a letter from Bank of America yesterday, XX/XX/2023. It said that I had attempted to open a credit deposit account. And they declined the alleged action. Not only did I not send a request anything for Bank of America, I have not tried to, or opened any type of credit in the last four or five years. I have one credit card and thats all I need. 
XXXX said that the deposit account was monitored by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. They said there were key factors that adversely affected my deposit account score. I dont want a deposit account score I dont want a deposit account. I dont want another credit card. I called them at XXXX XXXX. I believe that number is fraudulent. They asked for my Social Security number. They then gave me a phone number to call the credit bureau at XXXX. I called that number three times. Each time it says that you have been selected for this special program or something like that. It is not a credit bureau. I Believe that this is a fraudulent attempt to obtain personal information and identity theft. 
This is a soft attempt of credit accounts. This needs to stop. No attempt at credit Or Any other type of personal information should ever be given. I really think of this Bank of America letter is fraudulent. 
I also called XXXX. After giving them all the information they requested, they said there was no one to help me and they hung up. This was the bot. Something is going on and I need to have it stopped. 
Bank of America or theyre fraudulent arm rest of my Social Security number. I gave it to you cause I thought they were a bank. Then when I called the early warning system, they also asked for my Social Security number. I think I have been breached. 
My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX, XXXX,, WA XXXX This credit score. It is a fraudulent attempt at theft of identity to gain access to all my private accounts. Bank, mtg, etc. 
The Bank of America address on the envelope says Bank of America, sales fulfillment, XXXX XXXX XXXX, XXXX, AZ, XXXX There is no address on the correspondence. My home phone number is XXXX, cell phone XXXXThere is no address on the correspondence. My home phone number is XXXX, cell phone XXXX. 
Please contact me at your earliest convenience. 

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 2023-04-20 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:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: First Technology Federal Credit Union
State: MD

Complaint narrative:
I have made multiple attempts in the course of many years now to try and find a solution with the bank on my personal loan. The minimum payment is too high. And the bank time and time again refuses to discuss options or programs they have available. Emails to their CEO including upper level management personal have gone unanswered and to my assumption probably deleted unread. The bank is well aware of my difficulty with repayment. And instead of helping me as any other bank has they have instead killed my credit to the point I'm considering bankruptcy and other services to discharge this bill and end ties with the bank. 

I have mentioned that I can and will only be paying a lower amount month on my loan. This is probably going to cause them to keep sending late payments to my credit and piling up fees on me. But at this point they can can do whatever they need to as they can't hurt my credit any more than it is. And if I mentioned that the lower amount is all I can pay, using force to get more will result in no additional payments as I'm literally giving everything I have in my possession to make a payment. I'm not refusing to pay. I'm making the payment I am simply not making the agreed upon payment because I can't do it anymore due to financial hardship. 

Today, I've attempted again to get help. The bank asked me to fill out a refinance application which they knew their system would decline. Basically making a mockery of the situation and bullying me. This is a new level of unprofessionalism I've ever seen. And board-line harassment. I have every single email sent including all my attempts to work with the bank documented. I've made every attempt to pay back what I am responsible for as that's the focus of this compliant. I want to pay it. I just need help. The bank probably made back at this point the entire value of the loan in interest payments that they have been charging me. So the bank isn't at any lost to work with me. It would be a win for them as they make even more money out of me while in the process making sure to make my life XXXX for many years to come. They win, and I lose big. 

Again, my complaints and escalations are all in attempts to secure a new agreement with the bank to be able to reduce my minimum so I can satisfy the enter amount. If the bank works with me and is able to reduce the amount then this compliant is satisfied. If the bank continues to play hardball I will continue to move forward with escalations and complaints until we can agree on something that works for everyone. 

I'm not running away from trying make payments I'm just trying to instead make the payment without further harassment from the bank. I look forward in hearing from them.

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 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently submitted a claim about a garnishment on debt that I received requesting more documentation. The documentation provided back doesnt make sense. If the original debt was purchased in XXXX, and I supposedly missed a court date and the garnishment got defaulted to Portfolio Recovery and they state the garnishment was sent in XX/XX/XXXX years later and now Im being garnished in XXXX for the same supposed garnishment that was sent in XXXX something doesnt add up. I would think first and foremost this debt would be over the statue of limitations and secondly I need more information on what was sent and where from XXXX to current that would justify a garnishment 6 years later with no information provided to me in that timeline or chance to respond to the claim. The letter that was provided in part to there response is dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately. 
XX/XX/23 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 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
In 2019, I opened a auto loan with Credit Acceptance Corp. During the signing, the dealer acted as if he was doing me a favor due to me having horrible credit. As a XXXX XXXX XXXX single mom, I knew nothing about interest rates or credit. So I blindly believed him when he mentioned I had been approved. I believed he helped me, only now to discover he fraudulently fixed me up with a huge interest rate loan with Credit Acceptance Corp, a loan I should've never been approved for. Recently, I've decided to look over my credit report and realized that the balances they have listed on my report do not match the balances Credit Acceptance Corp has on my contract. This led me to look over my contract for my vehicle completely. I was surprised and shocked to realize I have a 22.99 % interest rate. This was never explained to me and exceeds the maximum interest rate allowed in my state. I have payed thousands for an extended warranty that the dealer led me to believe was necessary, but states on the contract it is optional. The contract has me ( the buyer ) as the co-signer and my actual co-signer as the buyer. Credit Acceptance has made my life extremely difficult these past few years, due to me having to choose between paying my loan or rent. I had to go without important things just to pay them, and even gave my entire work check to this loan for years.They harass me daily with a minimum of 10 aggressive phone calls. I have already payed over {$21000.00} and they are still attempting to try to collect thousands from me. I am a victim of Predatory Lending. I have proof of everything i'm stating in this complaint.

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 2023-04-20 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have disputed items and an investigation ( 15USC 1681a ( e ) ) was not done. I called and was told their investigation was send over my dispute to the same company ( entity/corporation ) that committed and or allowed the identity theft, and Fraud to send over the same fraudulent documents and say it was verified ( 15USC 1681q ( 3 ) ). I do not own the debt and or did not make the transaction or consent or give authorization to a contract. 15USC 1681c ( 2 ) 15USC1681a ( 2 )

Company response to consumer: Closed with explanation