vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
I bought a XXXX gift card on XX/XX/XXXX from XXXX. I went to make a purchase with the giftcard and it did not work. I immediately called XXXX and reported the problem. Less than XXXX hours after purchasing the card. It has no CVV code on it and the mag strip did not work. They told me that it would take 30 days to receive a new card which is absolutely ridiculous that it would take that long. I called on XX/XX/XXXX for an update and they stated they needed documents that i was never notified that they needed. I immediately sent the documents in. Picture of front and back of card and picture of the receipt of purchase. I then tracked the problem and called the next day to confirm they received the documents. I called again on XX/XX/XXXX to get an update and they stated i had to wait 30 days from receipt of documents that they never requested and I had to call to find out about. I was told they were escalating this issue and that a card would be sent on XX/XX/XXXX. I tracked the issue online on XX/XX/XXXX and it stated it was still under review. I called them immediately spoke to multiple different people and positions. They stated i have to wait another XXXX hours to get a decision this has all taken well over XXXX  days and I can not get them to send me the new card. And it is not a small amount it's XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I purchased a XXXX  vehicle with XXXX miles for {$15000.00} and I gave {$4000.00} as a down payment over a year ago. I still owe over {$15000.00} to pay off the loan. The interest rate is at 28 %. I'm unable to keep up the payments. I took the loan because they were the only one that would finance me but it has been a burden paying because of the high interest. I've contacted the company they are willing to adjust the payments however they continue to report my account delinquent with the credit bureau. The payments would be increased to {$700.00} a month for a year. I just don't think it's lawful or right to be charged such.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : XXXX XXXX I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Sezzle Inc.
State: IL

Complaint narrative:
I used Sezzle 's payment platform for a purchase at XXXX. I eventually returned the item to XXXX on XX/XX/year> and XXXX issued a refund for the return, however Sezzle ( the bank/credit card provider for this purchase ) never issued me a refund. I reached out to Sezzle directly through the Sezzle app ( a copy of this original communication is not included as Sezzle 's app does not allow for me to have a copy of the communication/request ) then subsequently countless times via email and was either responded to asking for information I already provided or not responded to at all. It has now been months and I still have not received my refund from Sezzle despite XXXX issuing a refund to Sezzle to be released to me. 

I returned the product on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: HI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect name, address and my employer should be corrected to reflect the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, an inquiry made by XXXX XXXX on XX/XX/year> was not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect name, address and my employer should be corrected to reflect the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, an inquiry made by XXXX XXXX  on XX/XX/23 was not authorized by 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 2024-12-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I applied for both a home and business loan through Wells Fargo Bank on XXXX different occasions. I did this because Wells Fargo was my bank for checking and savings for over 4 years. I am claiming discrimination, my credit was XXXX and I was making okay income. I found out that applicants of different ethnicities received loans with equal and lower credit scores and income. I am suing for $ XXXX, the costs of the home loan, and $ XXXX, the cost of of the business loan. 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 2024-12-15 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is an erroneous account that is in my name. I have never had an account with Wells Fargo and this is ruining my XXXX XXXX. The account was opened in 2021 and I was not made aware until I was looking for an apartment and noticed my XXXX XXXX had dropped. I disputed the score and the account was closed and I thought it was the end of it, but now that I'm looking for a mortgage I've been told this is still an issue. I have disputed the issue at all three credit bureaus again, and wrote a letter a few weeks ago to Wells Fargo that I'm still waiting to hear back on. I have never had an issue with payments before and this is very clearly an account that I did not open.

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 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
to who it XXXX concern XXXX XXXX XXXX XXXX made all of XXXX payment and they are charging me extra XXXX saying it is for the principal wich i pay all ready in the last payment my balance.

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 2024-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
Per MOHELA, interested is accruing on my federal student loans ; however, per the SAVE administrative forbearance, interest is not supposed to be accusing. 
I made a payment on XX/XX/year> which brought my total loan balance down to {$220000.00}, which was reflected on my MOHELA and XXXX accounts. 
My StudentAid.Gov account ( updated XX/XX/year> ) reflects the accurate balance ; however my MOHELA account shows a balance of {$220000.00} ( increased over {$2000.00} ) since my last payment in XX/XX/year>, when interest is not supposed to be accruing. 
Additionally, MOHELA does not show a record of capitalized interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. They have opened up another fraudulent collection attempt for a different amount. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents, so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please update my personal information to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please update my personal information to : XXXXXXXX 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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
The problem is with a citi credit card. I talked to them multiple times about the charges but do not investigate. This is not identity theft it is simple wire fraud. 
I am receiving charges from XXXX different entities. On is called XXXX and the other is XXXX XX/XX/year>. These look fake. 
The both indicate interest payments, but I have never done business with these people. This is not an interest payment to Citi. ONe is for some type of audio equipment company and the other is for a public relations firm. I have no need for such services. 
I faxed a XXXX page document to XXXX XXXX XXXX from XXXX, I never hear anything back. 
Talking to dispute people at citi is a waste of time. 
It is best to look at a letter I sent to an attorney which includes a lot of detail. 
These are fraudulent charges, and amount to wire fraud. This was over a number of months and I called Citi whenever the charges appeard and they did not or could not investigate. 
There is no where to send a written signed dispute for for Citi Credit Cards, Just debit card transactions and they never respond.

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 2024-12-15 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: CA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-12-15 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: NY

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-12-15 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: CA

Complaint narrative:
Account Current XXXX XXXX XXXX has reported Positive Activity : Account Current. 

XX/XX/XXXX Well done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. 
Source : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Current Status : ACCOUNT CURRENT Balance : {$8100.00} now Confirmation of XXXX XXXX XXXX XXXX XXXX XXXX {$930.00}, including service fee of {$5.00} Payment Date : XXXX XXXX, XXXX XXXXXXXX XXXX Payment Status : Approved Thank you. 

XXXX XXXX. 

XXXX PAID FOR THIS PreContract scam, THEY SAY THAT PART IS NOT COVERED. I specifically ask what is covered, when mechanic speaks with them, its not Covered like evert part, including the one they specifically told me was covered XXXX or XXXX  Vehicle OPTIONS : 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 Full-TermDEDUCTIBLE {$100.00} {$0.00} CONTRACT PURCHASE DATE XX/XX/XXXX CONTRACT PUR PRICE : {$1600.00} SO NOT ONLY did. XXXX get a monthly premium of approximately {$350.00} but I was required to pay each month {$440.00} for the XXXX coverage. This XXXX  coverage was in lieu of force-placing collateral-protection insurance and had been represented as a product where XXXX would pay for the cost of covered repairs and, in the event of a total vehicle loss, cancel the borrowers debt. 

Instead, They gave the run around n after roughly XXXX months at the collision repair shop, I was asked to get the car towed somewhere else Or pay storage fee, they tried but storage fees will be required car has been there nearly 6 months and XXXX was unprofessional and so i got car towed to mechanic shop. And thats when I realized i got cheated out of My pre contract add-on And immediately after leaving collision repair shop, its was reported Repossession, my Last payment of {$920.00} On XX/XX/XXXX Balance as of XX/XX/XXXX {$7400.00} Now I owe according to XXXX nearly XXXX dollars. I also will have to file a motion to reverse default judgement, I was completely unaware I was being sued, and still My credit continues to plummet because XXXX keeps reporting late payments to credit bureau with inaccurate dates for my payments and Amounts, and every time I Dispute they just keep winning and nothing happens rightfully on my End because here goes more interest fee And lates fees hiking The. Past due after the car was sold and wrote of a few time

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