vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Disputing late payments and accuracy. 
Account : XXXX  XXXXXXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act this creditor has violated my rights under XXXX5 US Code 1681 section 602 states, I have the right to privacy. 15 US Code 1681 section 604a section 2 also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 US Code 1666b a creditor may not treat payments on the credit card account under an open and consumer credit plan as late for any purpose. 


This account is also reporting multiple inaccuracies in the months and years of the late reports. This is also a violation of 15 U.S. Code 1681i I respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditors that would prove that my late payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If this information is unable to be provided as proof please update my payment history to XXXX  status ( paid as agreed never late ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputing late payments and accuracy. 
Account : XXXX  XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 US Code 1681 section 602 states, I have the right to privacy. 15 US Code 1681 section 604a section 2 also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 US Code 1666b a creditor may not treat payments on the credit card account under an open and consumer credit plan as late for any purpose.

This account is also reporting multiple inaccuracies in the months and years of the late reports. This is also a violation of 15 U.S. Code 1681i I respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditors that would prove that my late payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If this information is unable to be provided as proof please update my payment history to XXXX status ( paid as agreed never late ).

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 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
I put down XXXX on a used XXXX XXXX XXXX from XXXX XXXX in XXXX wa in XX/XX/XXXX and its been in the shop since then for water and or oil pump tires and now the whole brake system is out and the warranty they gave doesnt cover any of it and that not including the engine problem its a bucket

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. Auto Sales Inc.
State: FL

Complaint narrative:
I voluntarily had a vehicle repossessed from XXXX XXXX XXXX back in XXXX of XXXX. The account then was closed out on my credit report XXXX of XXXX as well. On XX/XX/XXXX the account started to reflect in my open/ current accounts on my credit report when the vehicle was and the status of the vehicle was closed and sold. Ive tried reaching out to the company using the information they provide the the Creditors and it is the wrong number. Ive Also have reached out to XXXX on SEVERAL OCCASIONS and even asked to speak to a manager, which then results in me being hung up on. At this point I am going to contact my family lawyer because by law the information reporting on a consumers credit report should be up to date and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I do not have an account with COMENITYCAPITAL/XXXX I had one years ago. I do not have one now and never tried to get another one after I closed my account in good standing with them. My identity was stolen in 2022 in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in NYC where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: Nelnet, Inc.
State: FL

Complaint narrative:
The Department of Education/Nelnet is reporting account inaccuracies across consumer 's XXXX, XXXX, and XXXX consumer reports. XXXX report shows that the account is paid as agreed and never late but XXXX and XXXX is showing that the account has been late for 90 days. Also, 20 U.S. Code 1232g ( B ) does not include credit reporting agencies access to a person 's educational record without consent. I never gave Nelnet, XXXX, XXXX, and XXXX written consent to furnish information regarding my educational record, let alone inaccurate/adverse information. 15 U.S. Code 1681c states no adverse information reporting on my consumer report. I am demanding the account and transaction information to be removed immediately from my consumer report. 15 U.S. Code 1681a ( 2 ) states transactions of an account is excluded from the consumer report. DEPT OF ED / NELNETXXXX NELNET, INC. COMMISSION FILE NUMBER XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/ and my second letter to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Rocket Mortgage, LLC
State: MI

Complaint narrative:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/ and my second letter to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
After a recent move to a new state, I changed my phone number so that I would have an area code from that state. 
Since then I have been getting an unrelenting anonymous robo-call to my voice mail asking me to call an out of state number with no explanation for what it's about. 
Usually, several times daily. 
" Blocking " did no good. 
I used an app on my phone which identified the caller as Synchrony Bank Collection Department. 
I have never done business with these people and I don't owe them ( or anyone ) anything. 

Thank you for any help with this matter.

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 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
The company in question is Truist Bank On or about XX/XX/XXXX someone tried to make an unauthorized purchase of {$250.00} with my chipped debit card. The bank caught this and deactivated the card and issued me a temporary card on XX/XX/XXXX. 

On XX/XX/XXXX while waiting for my new chipped card, someone used my temporary card to make 3 out of network atm withdrawals about 30-40 minutes from my house, totaling {$800.00} ; not including fees and over drafts. 

XX/XX/XXXX I noticed the withdrawals and immediately went to my local branch, where they deactivated the temporary card and issued me a second temporary card. I was unable to make the fraud claim then, because the transactions were " pending ''. 

XX/XX/XXXX I started the fraud claim, as the transactions had posted. 

XX/XX/XXXX I called the fraud line and found out my claim was denied but wouldn't explain why. I then went to the local branch to speak with the manager. The manager called and they denied the claim because they said the withdrawals were done with a chipped card. Which was impossible because mine was deactivated, and temporary cards do not have chips. So, we made a new claim/resubmitted the claim. 

XX/XX/XXXX still no refund and I find out my claim was denied for the second time because " I didn't report it lost or stolen ''. Obviously, it wasn't stolen, it was skimmed and cloned, unbeknownst to me at the time and I reported this on XX/XX/XXXX and had the official claim opened on XX/XX/XXXX when the debits posted. 

XX/XX/XXXX - XX/XX/XXXX I continue calling their fraud claims line to have my claim escalated a third time. 

XX/XX/XXXX I filed a police report in the county the fraud happened in and emailed this to the bank 's fraud department. 

XX/XX/XXXX I speak with the bank manager again and he filed a complaint on behalf, against the fraud department and said he would contact me no later than Tuesday XX/XX/XXXX. 

XX/XX/XXXX I found out the police report I made on XX/XX/XXXX, in the county the fraud occurred in, was rejected. The report needed to be done in my county due to the nature of how bank fraud works. It's considered to have been done at my residency, so I made a new police report in my county. 

XX/XX/XXXX I had to initiate contact with the bank, as no one had reached out to me. I informed them of the new police report. 

XX/XX/XXXX issue is still not resolved, and the bank has never, not once, initiated contact with me and continue refusing to honor my claim.

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I had gotten a virtual American Express card for {$50.00} and placed it in my XXXX account as a payment method. When I tried to use it it was declined. I knew I had not used it so I called the number to find out what was going on with it, I found the number online and they gave me the Tech Support Team number of XXXX. The first time I called was on XXXX. I was on hold for 45 minutes and finally, someone picked up. They checked the card and saw there was still {$50.00} on it and told me it had been shut off because it was being used on a fraudulent site. I told them it was XXXX. They took my information, gave me case # XXXX, and said I should get a replacement card in 4 weeks. I never received it so I called back on XXXX. At that time I was told that under that case number, they only had a name and a state so no card could be mailed to me. I said I gave him all my information but she said that was all that showed. After that, I got a new case number and was assured I would have a replacement card in a week. The # was XXXX. She said there was no way it would take 4 weeks. By XXXX I still had not received a replacement card so I called again. This time the agent told me the reason I had not gotten the replacement was that I did not submit a copy of my license and a picture of the card. This department is the lost card department. I asked him if someone has lost his card how would they submit a picture of it and that no one on the previous calls had told me I had to submit my license and a photo of the lost card. I told him it was a virtual card. I said can you look at the notes from the previous two cases. He said there are no notes. After I told him it was a virtual card he said he did not need the paperwork and that they would email me when my card was sent. The new case # was XXXX. I have not received an email, I have not received a replacement card. The card number is XXXX I have the CVV and expiration date. I reported this to the XXXX  and received a letter from AMEX saying the three reps had entered the case incorrectly and I would be sent a replacement card. That was at the beginning of XXXX. I have since complained to the Attorney Generals ' offices of XXXX and NY. I feel this is fraudulent for them to shut the card off and not replace it. This was {$50.00} into their pocket and out of my pocket. I can not understand how such a huge company can be so incompetent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: SLM CORPORATION
State: CA

Complaint narrative:
TLDR : Sallie Mae advertises thier CD 's as having an automatic renewal option, when they in fact do not, automatic renewal is mandatory. 

Sallie Mae 's CD website has a MASSIVE checkmark advertising an " Automatic Renewal OPTION '', and above it states " When the set time period is over, you can automatically renew for another term or choose to withdraw your money. '' This heavily implies that you have the option ( defined as 'a thing that is or may be chosen. ' by XXXX ) to not choose automatic renewal, when this is not the case. The FAQ is vague and tiptoes around this as well. I called to fix an issue setting up my account and asked them to clarify about the auto renewal option. I was told by the nice representative that auto renewal is NOT an option, and he even admitted that the wording is poor. He even went as far as to say that it was outright wrong. Upon checking the terms and other sources, automatic renewal is mandatory. This is plain false advertising and needs to be stopped. People who are new to finance ( like me ) are being lied to, it's disappointing as that was one of the main perks that drew me too them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 an 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 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 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
I received a letter from TRS Recovery Services, stating that I have a debt with XXXX XXXX  but I didn't shop there. I lost my checkbook months ago, and someone cashed a check for a large amount and my bank won't believe me. XXXX XXXX is attempting to collect {$290.00}, for some reason.

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 2023-05-11 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: Uplift, Inc
State: MI

Complaint narrative:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: DISCOVER BANK
State: MI

Complaint narrative:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One took a {$630.00} unauthorized payment from me XX/XX/23. Autopay for that account was canceled in XXXX. They refuse to refund me and their actions have put me into financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
I took out a loan through Affirm, to pay for a washer and dryer from XXXX. I made all payments on time. Account is paid in full and closed, yet still remains on my credit report, after I asked them multiple times to please remove it. They assured me the accounts would be removed within 30 days of my call. It has been two months later and the accounts still remain on my credit report. They also put 30 and 60 days delinquent remarks on my credit and will not remove it. These accounts are paid in full and on time. They are refusing to remove two accounts off of my credit report.

Company response to consumer: Closed with explanation