vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
XXXX XX/XX/year> : I was charged for a payment and the interest is predatory ( XXXX when the cap is XXXX ) as it is. I was told that there was no promo applied to my account and that it is not possible at the time of application despite being told otherwise. I was told it was XXXX XXXX for 18 months and then I would be charged interest. I can not afford this but I was strongly persuaded to by XXXX XXXX ( the party that opened the account with Fortiva ) because my teeth looked like it had to be treated before it developed into sepsis ( which I'm now reading from other experiences is that they do this fearmongering to force business ). I asked them to confront XXXX ( East- for this supposed promo because obviously I wouldn't know how to go about tracking this down if I was lied to initially. They told me to send them proof of said promo. I just finished college. I have student loans. I can't manage this as well, especially with the disgusting interest. I'm still looking for a job and I do not currently have savings to meet my needs and pay for this.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

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 2024-05-29 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 submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I have been trying to pay off a credit card I had With digital federal credit union they have made it nearly impossible to pay. I have Been told different ways to pay every time I call and its crazy! I called To pay it off and they said I can only pay {$1000.00} at a time. So I called Back again the next day and was told I canT pay until it processes which could take 7-10 business days. 

I called To make another payment and was told I had To make a deposit to a savings account to make a payment 10 days later which would make it late again! They then said I can not not pay with XXXX XXXX which they took that payment before. Everytime I call they have a new rule or a different way to pay which was not feasible. 

Every agent has given me higher amounts than what was shown because they keep adding interest and late fees. Which never would have been added if I was allowed to pay it off 8 months ago when I called To pay it off! They have hit my credit report multiple times with it being late when it should have never been late because I have been trying to pay it off! This account is now paid in full after many attempts to pay it off prior.

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 2024-05-29 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: OK

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-29 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I paid this account off in XX/XX/year>. They reported late payment last week. This account is paid and closed. It knocked my credit score down XXXX plus points because of this incorrect reporting. Its been over 5 years since I paid this account off. I contacted the credit reporting department and they said that since it was late during my payment plan, it still reports after it has been paid off and closed. This is false! They havent reported anything since 2019 and just reported incorrect, negative information to two different credit bureaus. Thats not fair! The company is XXXX XXXX in XXXX GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Unauthorized inquiries appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Unauthorized inquiries appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This private student loan originally started with XXXX XXXX during the financial crisis in XXXX and was changed hands several times until it landed with Navient. I have struggled financially for the past four years but have kept my account current ( for the most part ) under a six month interest-only repayment plan. I have had to use them consecutively in that time span to keep myself above water. Each time I come back after six months seeking either a better payment plan or something that I could actually afford this was the only option offered. Since having to utilize this program it has only ballooned my total principal. Again, there is no other payment option offered by Navient for this loan. So after, calling today XX/XX/XXXX and inquiring about any other options I was met with the same response. There is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint against Ally Auto regarding several serious issues related to the payoff of my vehicle loan. Below are the details of the incidents : 1. **Payoff Amount Mismanagement : ** - I received the full payoff amount for my vehicle from both my insurance company and my GAP coverage provider. Additionally, the dealership provided funds to cover all associated fees. 
- Despite these payments, Ally Auto has incorrectly managed the funds and the payoff amount. This has led to significant financial discrepancies. 

2. **Falsification of Information : ** - Ally Auto has provided falsified information regarding the payoff amounts to both the insurance company and the GAP coverage provider.

- This misinformation has caused confusion and miscommunication among all parties involved, resulting in undue stress and financial inconvenience for me.

3. **False Repossession Attempts : ** - Despite the receipt of full payment, Ally Auto has attempted to place a repossession mark on my credit report.

- This action is completely unwarranted and has negatively impacted my credit score and financial standing. 

4. **Overpayment and Refund Issues : ** - Due to the mishandling of the payments, Ally Auto now owes me funds. The total amount I have overpaid needs to be reimbursed. 
- Despite my efforts to resolve this issue directly with Ally Auto, there has been no satisfactory resolution or refund provided. 

I am requesting the CFPB to investigate these matters thoroughly. I believe Ally Auto 's actions constitute unfair and deceptive practices, causing significant financial harm and distress.

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 2024-05-29 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: FL

Complaint narrative:
I had an XXXXXXXX XXXX  XXXX card added to my credit report which was done falsely. XXXXXXXX XXXX took me to court and failed to prove the account was mine in front of a judge so the case was dismissed ( court documents attached ). I have repeatedly asked for the account to be removed from my credit files, Transunion, XXXX and XXXX and XXXX Bank has not completed this request. I spoke to XXXX in XXXX Investigations on XX/XX/XXXX and again two weeks later and he shared the account was already marked as closed and was marked to have it removed from my credit files back in XXXX. The investigation XXXX did showed that it was not my account. Yet the account still remains and they refuse to remove it from my credit files.

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 2024-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had an XXXXXXXX XXXX XXXXXXXX card added to my credit report which was done falsely. XXXXXXXX XXXX  took me to court and failed to prove the account was mine in front of a judge so the case was dismissed ( court documents attached ). I have repeatedly asked for the account to be removed from my credit files, XXXX, Equifax and XXXX and XXXXXXXX XXXX has not completed this request. I spoke to XXXX in Fraud Investigations on XX/XX/XXXX and again two weeks later and he shared the account was already marked as closed and was marked to have it removed from my credit files back in XXXX. The investigation XXXX did showed that it was not my account. Yet the account still remains and they refuse to remove it from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My father ( credit card account holder ) passed away, and I am the executor of his estate. I notified the company ( Synchrony Bank ) of his passing on XX/XX/2024 ( two days after he died ), and asked for the final bill so that it could be paid from his estate. I was also told the account would no longer be active and would not be delinquent. 

After the final bill was not received, I again called Synchrony Bank on XX/XX/2024 and was told the final bill would be sent to my father 's address in 7-10 business days. Since no final bill was received, I called Synchrony Bank yet a third time on XX/XX/2024, to obtain the final bill, and was told the account was sent to collections. Synchrony Bank would not explain why the account was sent to collections after my notification of my dad 's passing, and despite my multiple calls seeking the final bill for payment - including that my prior call was about XXXX months ago. When I asked to be transferred to a supervisor, I was placed on hold for a long time and then Synchrony Bank hung up the call. Synchrony Bank refuses to assist me, and the collection company ( XXXX XXXX ) will not speak to me without me giving my personal information, which I refuse to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accoiunts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accoiunts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
recently reviewed my Consumer Reports and noticed that I had a late payment reporting from XXXX when in fact I was NEVER late on that account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have NEVER been late for the account ( Creditor : XXXX # XXXX ). Please investigate and provide Proof with statements showing that this payment was late. If proof can't be provided I demand this payment be updated to ON TIME as it should be as I was NEVER late!!! 

Also, When looking at this account, I noticed that the Open Date, High Credit, Last Reported Dates and Last Active Dates, as well as Dates of Last Payment all vary between the 3 bureaus ( XXXX, XXXX and Equifax ). -- See attachment with above circled in red... 

In short, under 15 USC Section1681e ( b ) ( b ) Accuracy of Report Whenever a Consumer Reporting Agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation Thanks for your help in this matter!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a dispute to gain back funds that were deposited without my authorization by XXXX bank. I contacted bofa and requested that the funds be returned to me. I was mailed a fraud package from bofa and was told it would take 15 days to receive. I visited a local branch where the XXXX XXXX XXXX XXXX was helpful and printed the package and made a notary available for the swift return of the package to bofa. I was told that this could take up to 90 days to receive my refund as the cased needed to be researched. I explained that XXXX had confirmed they had the funds and bofa just needed to request them back. I have now been waiting close to 30 days for resolution and have been told by bofa that I must wait the XXXX. This is causing financial hardship in my life and I want it resolved immediately. 

Today I spoke to XXXX in Oklahoma 's escalation department and was told that I must wait the 90 days ( by law ). I asked him how that was an escalation and he informed me that his job was to confirm their receipt of my fraud package ( which was confirmed 3 times before ). When I asked to speak to a supervisor or someone who could actually escalate my claim, he refused to do so.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
I signed up for direct deposit with Chime and was referred by a friend they were supposed to get {$100.00}. I was supposed to get {$100.00} but they didnt tell me until like 30 days later that it had to be done within 45 days or I wouldnt get the referral. I get Social Security. You only get a check every 30 days, they say that it takes at least two cycles before you get the deposit so I got my deposit for the first time in 60 days. I have screenshots of talking with the person on chat that they would make an exception and I would get the XXXX dollars and so would my friend and now theyre saying no this is definitely a bait and switch, scam or whatever you want to call it. Customer service people have such a thick accent because they are not from here. You cant understand anything theyre saying and theyre very condescending. Whatever you do do not use Chime this is fair warning they will scam you

Company response to consumer: Closed with explanation