vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
On XX/XX/2022 I noticed that I was overcharged interest by One main financial through their brightway Plus credit card when I reached out to speak to management in regards to the overcharge I was given the excuse of the interest charge was based off of {$460.00} which was not even my ending balance for the month of XXXX they repeatedly told me that it wasn't for the month of XXXX I was being charged interest it was for the month of XXXX when I explained to them they had already charged me interest in XXXX and if their interest charges are based off of the prior month then I shouldn't have seen any interest at all for my first statement but I did. When I spoke to a supervisor she too gave me the same excuse and the same poor answer when I explained that my ending balance for XXXX was {$68.00} and some change and my interest charge is meant to be based off of that she kept repeating that the interest was charged based on XXXX but my statement says it was based off of XXXX when I asked to speak to a manager in regards to the situation because the charges don't add up and they don't make sense and legally as far as what they're supposed to be charging for interest and how they're supposed to charge interest they certainly aren't following those rules if they're charging me based on my last month as opposed to my last month which is on the current statement there is an issue because that's not what I signed up for I was under the impression that if I paid off my balance before the end of the month which I did that I wouldn't see interest if XXXX 's ending statement showed {$68.00} then I should have been charged interest based on {$68.00} and when I let them know I was filing complaints with the better Business bureau as well as consumer finance they begin to ignore me and refused to assist me they have refused to respond to the better Business bureau and they refused to call me and refuse to address the situation this is a very unprofessional very greedy company because if they're ripping people off on a large scale they're raking in millions off of fraudulent finance charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been disputing 2 accounts that are falsely reporting on my credit reports for a year now ; I have never received the proper, legal verification that these debts are owed or that the account was late. XXXX XXXX XXXX is claiming that I have a charge-off but this was paid long ago but they're still reporting this! This should've been removed because it's obsolete and I'm no longer financially responsible for it! Then, XXXX XXXX XXXXXXXX is showing a late payment but has never provided proof of the actual late payment ( statement, when they received my payment and when it was posted, etc. ).

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hyundai Motor Finance discriminated against me because I am an XXXX American woman. They falsely reported my car payments to the credit bureaus as being in default and their illegal repossession of the vehicle after all my payments were current! I no longer wanted to do business with this scamming company and I paid off the loan and cut ties to them! Since XXXX they began reporting false negative payment history on my credit reports! I have disputed this and to no avail nothing gas changed! Hyundai with their ongoing discrimination and targeting XXXX American customers reported to credit bureaus fss as law information they even reported I took my lisn through Kia Motor Finance to cover up their discrimination towards me and to ruin my credit! To this date I am unable to get a place to live because of XXXX false information! The credit bureaus refused to remove this false information off my credit report! I never signed any loan documents for XXXX XXXX XXXX! XXXX did this to cover up their fraud and discrimination and not posting my payments on my account in an accurate way. I am facing homelessness due to Hyundai Motor Finance ruining my credit! I do not owe them I paid off the loan in XXXX and sold the car in XXXX! I need help to get compensated for what Hyundai Motor predatory lenders did to me! I was charged a higher interest rate because I am XXXX American and they mishandling of my account plus their false information to the credit bureaus that I took a loan out under Kia Motor Finance to cover up their discrimination and fraud! Please fine them all in lithe Credit bureaus. 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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: FMA Alliance, Ltd.
State: MD

Complaint narrative:
I received a letter from FMA Alliance , Ltd in XXXX Texas asking for payment for a bill that did not give me proper time to pay it. It's been less than 6 months since I was notified of the balance on an account where I went to an XXXX XXXX due to acute problems with XXXX. Extensive test were done, I was diagnosed with XXXX XXXX XXXX XXXX, which occurs frequently. I was sent to a therapist for treatment and put on medication to control the XXXX attacks. I am not disputing I owe the amount, but I am however disputing not being given enough time to pay the bill. My husband was recently diagnosed with XXXX as a well as being diagnosed with XXXX. His treatments, testing and medications are taking us to the poor house. We have a great amount of medical bills that I'm trying to juggle. It seems every little amount of debt is being put on my credit record, even before I can get them paid. It's very discouraging to be XXXX XXXX XXXX trying to balance having to go back to work to pay doctor 's bills and others intentionally trying to ruin my credit rating. I would like XXXX XXXX XXXX XXXX to remove this erroneous bill from my credit report and XXXX XXXX, who are the providers of my medical services for XXXX to refrain from sending damaging information that's causing destructive occurrences on my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Claim # XXXX with citizens bank. 
I applied for a credit card from citizens bank, I have never received the card and all of a sudden I got a notification from XXXX credit reporting that there is a higher usage and the card that I have never received yet. I reported the fraud via phone call to citizens bank Claim # XXXX, and they sent me a replacement card, seven days later they sent me a letter stating that the claim was denied! They said that I have activated the card using the phone number on file on the day of XX/XX/2022 which is never happened! I want to my phone carrier I printed out XXXX bill to show them the proof that I didnt receive the card nor activated it from my phone, but they never pay me any mind, and Im so concerned about my credit getting hurt by this matter. 
I want this issue to be fixed, the first 5 fraudulent transactions from the XXXX XXXX was a fraudulent Transaction in the amount of {$4100.00} and their lie that I have personally activated the card from the phone on file most be held accountable and the credit amount most be billed back to my credit card account, the only card I received and activated was the replacement card on XX/XX/2022. And for them to close their Investigation within just two days from the report thats a joke and Im willing to practice my legal actions against citizens bank if they didnt resolve this issue for me! 
Thanks and best regards. 
Please find the attached documents which is included with- the Denial letter from citizens bank. 
- Detailed phone bill for the specific day that day said that the card was activated on using the phone number on file - bank statement that includes all the five fraudulent transactions. 
-Proof of faxed documents to the fraud department of citizens bank fax number been provided by the citizens Bank customer service fraud department XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Please delete CAPITAL ONE account to ensure maximum reporting accuracy across all consumer reporting agencies. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On XX/XX/2022 The Supervisor at XXXX XXXX XXXX hung up the phone on my call to delete the alleged claims while I was still trying to get the correct information regarding fraudulent claims against my consumer report. On XXXX XXXX I sent a response letter to XXXX XXXX XXXX, Attorney hired by XXXX XXXX never got a response, I sent out the same letter again never received a direct response regarding my response asking for the alleged debt to be validated. XXXX XXXX I received confirmation that the response was acknowledged. XXXX XXXX XXXX XXXX XXXX stated they hired XXXX XXXX XXXX as an attorney and XXXX XXXX sent me a statement stating they would be foreclosing on my homestead on XXXX XXXX and they have not responded or validated the claims against my property. It is now XXXX XXXX and there has been no valid debt validation they have furnished fraudulent claims against my consumer reports. Neither company has responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. Fraudulent practices are a violation under state and federal laws.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
STATUS DETAILS : Submitted on XX/XX/2022 File number XXXX Estimated completion date XX/XX/2022 ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The " Account in Dispute '' remark is missing or incorrect. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX In violation of FDCPA investigation time lines beyond 45 days. 

Needs to be removed from all credit reports as they failed to supply my disputed information within the time lines

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please delete XXXX XXXX account to ensure maximum reporting accuracy across all consumer reporting agencies. See attached.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-10-18 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: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. 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. The items found within my credit report that I listed on the following pages are 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 some accounts. All is being investigated by the FTC.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. 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. The items found within my credit report that I listed on the following pages are 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 some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX, XXXX and natural person am a victim of identity theft. XXXX equifax and XXXX has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Youre in violation of credit reporting act 15USC 1581 ( b ) for unlawfully obtaining my XXXX, XXXX, and XXXX reports without my authorization and permissible purpose under the FCRA. As a result of you unlawfully obtaining my consumer report without my permission, you are liable to me actual damages or statutory damages up to {$1000.00} punitive damages. Im willing to settle this matter without admitting liability. Cease and desist obtaining copies of my consumer report from the consumer reporting agencies. Pay me {$20000.00} and deliver it to my address listed above within 14 days of this receiving this demand. Please be advised that I am prepared to file in federal court if you do not comply with this demand. Upon time of receipt of $ XXXX payment this letter shall be general release of all claims here in. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This is not my debt. When it was opened, it appears that I was only XXXX XXXX XXXX. I have no knowledge of this account. I am including a copy of my birth certificate to prove my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act FSTPROGRESS Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX, XXXX and natural person am a victim of identity theft. XXXX, equifax and XXXX has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX, Consumer and natural person am a victim of identity theft. XXXX, equifax and XXXX  has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.

Company response to consumer: Closed with explanation