vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: Scott Fetzer Financial Group Inc.
State: MD

Complaint narrative:
United Consumer Finance Services ( UCFS ) account was settled in full after the charge off as of XX/XX/XXXX ; however this company is still reporting to the credit bureau the entire calendar year of XXXX ( late/charge-off ) and in the calendar year XXXX from XXXX to XXXX ( late/charge ) is here is in accurate and this account should be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY ID XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Today as I was trying to apply for a mortgage it was noted that I have late payments being paid to credit acceptance For my Car note I am in a payment arrangement with them but tht are reporting to the credit bureau that my payments are late and it is hurting me with trying to purchase my home

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 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I have had my credit card account with USAA for over 20 years. During the past two years while in a pandemic, I missed 4 months of work due to XXXX XXXX I received at work. I missed 1 months of work due to XXXX. I, also, am experiencing long hauler symptoms. My husband, who is immunicompromised, missed 1 months of work due to XXXX and 2 months of work because of XXXX  XXXX. My account with USAA is in good standing at this time. The change in my credit report was due to late payments because of lack of income. I attempted to contact all companies to make payments arrangements to which I was denied. I received a letter dates XX/XX/22 stating my USAA account in good standing for over 20 years was being cancelled due to my credit history. I took a 2nd job. My husband took a 2nd job. We are working to get accounts current. It makes no sense why a current account with no missed or late payments is being closed when there was a pandemic & multiple medical concerns. USAA has always had amazing customer service but this does not live you to expectations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-15 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Company kept charging my credit card and continually deleting negative items and then putting them back on within a week of it being deleted. I spoke with customer service and also have the email confirmation confirming my account cancelation. Not even XXXX minutes they tried to charge my card again after telling me that my account is cancelled. 
I have emails as well as notifications from My card company.

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 2022-04-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES PLEASE SEE ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES PLEASE SEE ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc.
State: NY

Complaint narrative:
Social Finance ( SoFi ) has been soliciting me to refinance my student loan for over 2 years. They presumably know from their soft credit pull that my debt sits with XXXX XXXX Bank. 

I submitted an application, and was told that SoFi does not refinance student loans from XXXX XXXX, even though I provided them with my loan note proving it is a Qualified Education Loan, as well as the 1098-E statement from 2021, further evidence that this loan is subject to 26 U.S. Code 221.

I have requested a review of the file, but received no further information from SoFi regarding the rationale or justification for not being capable of refinancing this debt. 

Thank you for your assistance in escalating appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
By approximately XX/XX/2021, I received a call from a SUPERVISOR of the synchronic bank, claiming that I did not pay my credit card and that I have late fees. I have told him that i pay the full amount of {$2100.00} on XX/XX/2021, which is the amount that i owe from the credit card. That check comes from the Government of XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which clearly has a balance. They tell me that the check was returned and I ask which address? and they said they dont know, and i told the supervisor that i have not received the check on my mail, because it was from my address that was sent. he don't no the address the date that the check was sent. that makes me think that some one cash out the check from the company or maybe they want me to pay twice. The supervisor did not know how to answer me and told me to wait a moment that he will look for more information in another department. After waiting about 30 minutes he tells me that the check was shredded because it had no funds. I told him that I needed proof that the check was shredded and to send me evidence of the check on his system. He refuse to do that because they don't save that information in the system. He tells me that he will do an investigation and call me back but in the meantime make a payment. I tell him I am not paying anything because my debt was paid in full and that I have proof that the check was cashed. They continue to insist that i have to paid and at this moment i owe more than {$3000.00}. I am already in a position where I am depressed by this situation. My credit is being affected by this situation. 
by this time i have never receive a call with a answer or a copy of check Please i need a real investigation of what is happening here. 
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 2022-04-15 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: FL

Complaint narrative:
I paid two old credit card accounts I had with XXXX XXXX XXXX XXXX. I filed a dispute with experian and provided proof of payment and that the account should show a XXXX balance. They have refused to update my report and correct the information. They claim that since XXXX said the account wasnt paid that they wont fix it. So know I am facing a higher interest rate on a loan and may not be even able to qualify for the loan due to their incompetence. I just want my credit report to be accurate which should not be to much to ask.

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I am in chex systems due to some information being reported to Chex systems by. No one can tell me why I am being reported because the account is paid in full. They have never given an explanation of why my account was closed or anything. Now I can't open a bank account when the account is paid in full. My bank is out of state because I moved and now can not open a bank account here and no one know why.

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 2022-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
I inherited this property through my deceased Mothers estate 10 years ago. I am currently behind on the mortgage and I am selling the property to avoid any foreclosure. I attempted a short sale in XXXX, XXXX. There is a first mortgage with Carrington of {$65000.00} and a Partial Claim with HUD for {$26000.00} from a Loan Modification my Mother completed while XXXX XXXXXXXX. The short sale appraisal came back at {$130000.00}, therefore the short sale Carrington offered was higher than the mortgages owed. I have spoken with several Realtors and the house wouldn't sell for close to that. The previous tenants trashed the house and there is a major plumbing issue under the house which was reported to Carrington. I went to the house in XXXX before I went in to have a XXXX XXXX XXXXXXXX for XXXX XXXX and Carrington changed the front door locks on XX/XX/XXXX. They didn't contact me, nor had any legal right to change the locks on the house. I am not in foreclosure and I have been in contact regularly with Carrington in regards to selling this house. They immediately knew their wrong doing and removed the lock box and left the new lock key under a rock on the porch on XX/XX/XXXX. I requested an updated pay off from Carrington on XX/XX/XXXX and there are {$3200.00} in bogus fees. I called and spoke to a Customer Service Rep who couldn't advise any info on the fees. I asked to speak to a Supervisor and was transferred to XXXX. He couldn't provide any information as well and instructed me to " dispute '' the items. There are charges for Roof repairs, repair bids, Other, etc. There have been no repairs done. When they illegally changed the lock, they did put saran wrap over 2 toilets. I should not be paying for any repairs, lock changes, debris removal, etc as the changing of the locks was unauthorized and no repairs or debris removal has taken place. I am in the process of selling this property and need the pay off to be corrected. I do not want to have to take legal action in regards to the bogus fees charged and illegally changing the locks. Any help is appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
The company Radius Global Solutions calls and harasses me regularly regarding a debt which is not in my name and not in the name of anyone I know. They call repeatedly from ( XXXX ) XXXX. I informed the company on XX/XX/2022 and XX/XX/2022 that I have no information about the debt they are trying to collect and it is not a debt in my name. I asked them to stop contacting me. Since XX/XX/2022 Radius Global Solutions has called me 24 times.

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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES PLEASE SEE ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
transunion XXXX and XXXX are continuing to report a account on my consumer report that does not have the correct name. the name credit control has on the documents they sent says the last name is XXXX. my last name is not XXXX, it is XXXX. I have been in correspondence with the debt collector credit control putting them on notice of this error and they continue to furnish this account to the 3 bureaus. I also attached a updated copy of my XXXX credit report dated XX/XX/2022 showing you that credit control recently reported to the 3 bureaus AFTER I had put them on notice and also a copy of my experian results saying this account remained on my consumer report. I have already put credit control on notice, put the 3 bureaus on notice and I have already submitted a complaint against credit control. I have sent the 3 bureaus proof of this error and they continue to be in non compliance under fcra. credit control is violating the fdcpa. transunion XXXX and XXXX are violating the fcra and all agencies are violating my right to privacy,.

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime suspended my account for no reason at all and I get paid today and they are holding my funds they said suspicious activity on XXXX XXXX card I dont even have a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company reporting an account that doesnt belong to me and will not provide any documentation to prove other wise

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I requested a new debit card for my DDA ( Checking account ). M & T mailed the debit card to the wrong address on 2 seperate occasions. My address is XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY and both times M & T mailed my debit card to XXXX XXXX XXXX unit XXXX XXXX NY. I did not receive my debit card and now M & T has put my DDA account a risk to possible fraud my mailing my debit card and pin number to another address that is not mine. Additonally, M & T charged me {$25.00} for an express delivery due to their error on sending the debit card to the wrong address.

M & T is denying me access to my DDA account via debit card access. I have called 3 times to have this resolved which M & T has not provided any resolution. I am on hold over XXXX minutes every time I call customer service. 
So now I am forced to physically go to a local M & T branch to withdrawl funds or transfer and after multiple times calling the customer service

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 2022-04-15 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # 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.

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