vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Synovus Bank
State: MD

Complaint narrative:
I Applied For A Loan At Synovus in XXXX 2022. got approved for the loan!!! Have made all my on time payments on this account. Contacted Synovus to make my XXXX payment on XXXX the XXXX, was informed I couldn't make a payment because for no reason my account was locked and put under a review on XX/XX/2022. However I made a loan payment and spoke to several representatives on XXXX the XXXX 2022 which is after the date they're saying the account is locked!!! They Accepted the payment!!! Now as a consumer I have rights this bank deliberately violated my rights by one not notifying me the account was locked or under review!!! By locking my account closing access to my money without any clear deductive reasoning!!!! Now I can't make payments on the loan which im afraid they are deliberately wanting to damage my credit score and report!! also theyre stopping my business endeavors from moving forward which is the reason I got the loan so I could responsibly pay them back!!! Ive called several representatives that said I couldn't get any answers on my account!!! I spoke to supervisor whose name is XXXX, & they've been uncooperative in giving me any answers as to why & or how long its under review!! As a consumer I demand my account be unlocked because I've done nothing wrong and theyre are deliberately violating my rights and then because its a federal institution she's saying there's no way I can get any answers!!! As A consumer I demand my account be unlocked immediately so I can move forward with my endeavors!!! Especially seeing that ive done no wrong on the account since becoming a customer of the institution!! As a consumer I have rights there's no way this Is acceptable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
Once again exeter finance dances around the topics in a complaint. 
1.i have never by exeter or any credit reporting agency been informed of any of the investigative steps taken to come to their responce other than exeter reviewed phone records So since this in its self is a clear violation of the time allotted by the FCRA I ask the CFPB to travel this file deleted and if there cfpb will not based just on that, then I would like to add that according to the fcra that any evidenced used in making a determination or finding in a dispute, is evidence that I am privy too, and if you refer to my previous complaint I stated a formal request to exeter finance to be given any and all calls that they used or have, and ot only have I asked in this instance but at least 3 others and just like the previous complaint exeter and XXXX have totally shown batten disregard for my right to evidence as it clearly states in the fcra that I have a right to upon request so on these grounds as well I ask the cfrb to either remove or persuade deletion. And on the very slim chance that the cfrb doesnt see the rights violation as grounds for deletion I will be seeking civil penalties against those who have and continue 2 bully and flex their I'll placed power XXXX am Formaly requesting any and all including but not limited to the calls that exeter finance made evidence by stating that they reviewed then and stated their fin of review.the fcra allows a time for delivery of 15 days if not delivered in that time please do away with this account so that this nightmare of dealing with this lying company who will not stand by their word when this vet stood for them if for some reason claims company policy for not being able to release please advise them that if they did not want them to become rightful and dutiful evidence they should have never mentioned them in their responce company policy is no concern of mine as I am within my rights to review them and if they do no provide then please Delete this file hopefully my words early on in this complaint will enable it to not get to this point and will be delete C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-12 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I was notified by my credit card company, who monitors my credit score, that I had a > 120 day derogatory statement added to my report. I have excellent credit history and always pay all of my bills on time and in full. When I looked into the matter it was for this debt collection agency I had never heard of, I.C. Systems. When I went to their website I could only file inquiries if I had an account number with them but I do not have this as they have never contacted me. This debt collection is for a total of {$88.00}, the absolute lack of warning that this account was due at all, followed by the very significant overdue derogatory mark placed on my credit score and coupled with the incredibly small amount of debt owed is in my opinion poor company practices. 

At this time I have filed a dispute with the credit bureaus and will be mailing them a formal dispute letter this afternoon.

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 2022-08-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-12 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: MA

Complaint narrative:
I have Submitted disputes to you and I didn't get a response within 30 days and ya '' ll are required by law to do so. Please investigate my disputes, please Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SLM CORPORATION
State: AZ

Complaint narrative:
SALLIE MAE BANK closed my money market account unilaterally, which they are permitted by contract and I have no problem with that. SALLIE is unethical, breaks the law and has terrible customer service so I wanted the account closed anyway. The complaint is SALLIE transmitted the balance via ACH EFT to another account despite specific written instructions [ attached message dated XXXX at XXXX ] NOT to do so but to instead mail me a check for which I offered to pay. Thus SALLIE made an illegal transaction, deliberately and willfully violating written customer instructions. In doing so, SALLIE violated the law 12 CFR Part 1005 ( Regulation E ) ELECTRONICS FUNDS TRANSFER ACT. Please take action against SALLIE for violating law and fine them. This NOT a duplicate of a separate complaint I made earlier CFPB XXXX which was for an incorrectly coded transfer by SALLIE to XXXX XXXX  and is entirely different from this issue so do NOT close this new complaint as a DUPLICATE though the earlier complaint led to my {$98000.00} being lost and SALLIE did nothing to help or resolve the situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: FL

Complaint narrative:
Please verify the following account below. Please update my credit report to show verification of this account which is reported incorrectly on XXXX and Equifax, I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. I will be sending a letter by mail disputing the account to make sure is received and addressed. 

Date Account Opened Date Reported Date Of Last Activity Date Of Status Status Of Account Balance On Account XXXX XXXX - XXXX Open XX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: Cascade CISS Holdings, LLC
State: MA

Complaint narrative:
I have a hard inquiry for a XACTUS, LLC that I did not authorize on XX/XX/2022. I have been told it is in relation to a mortgage request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Their website has been down since the end of XXXX for " system maintenance ''. You can not log in at all. It does not recognize your account information at all and you can't check your balance, purchases or make a payment. They do not answer phone calls and nothing is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit
State: NC

Complaint narrative:
XX/XX/XXXX contacted VW Credit RE : payment history. Per VW Credit : the account is not up to date because the scheduled payment for XXXX, XXXX was never received. It also took two phone calls to even ascertain that it was the XX/XX/XXXX payment that caused the issue. The first CSR was rude and not helpful at all. I called VW Credit again and spoke with a much nicer more professional CSR. 

After checking my bank statements it is verified that a payment was made to VW credit via a phone payment and this is noted on the bank statement as paid to " AUDI FINANCIAL for the scheduled amount of {$390.00} on XX/XX/XXXX, ( please refer to the XXXX XXXX  statement. ) It should be noted that all prior payments are documented by my financial institution as payable to VW Credit, and NOT Audi Financial Services. The payment history from VW Credit does not reflect the XX/XX/XXXX payment, ( please refer to the document from VW Credit. ) This error on the part of VW Credit has identified the account as being in " arrears '' since XXXX, XXXX, and has had significant financial consequences, including : jeopardizing my credit score, placing the account in a " catch up '' mode when the account should be noted as ahead of my scheduled payment dates, AND adding additional financial charges and/ or penalties to the account. I want the payment noted by VW Credit in writing to me, or my attorney of record. I have furnished VW Credit with this information. 

I also request that all additional fees and or interest charges are refunded to this account. I made the payment on time and fulfilled my obligation as the debtor ; however, VW Credit is very good at stonewalling and has not from day been transparent in this matter. In the event that VW Credit noted a payment not received a simple contact with my attorney, ( who would then forward all correspondence to me, ) was certainly a viable solution. VW Credit made the decision to charge exorbitant fees instead and keep the account delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: GA

Complaint narrative:
After reviewing my denial, i attempted to contact finance co to get a reason why since it was based on false information. I was repeatedly forced to select options with automated person and no way able to request anything from them. I tried to call XXXX  but no one would answer my call..they repeat automated person and lead me to buy something. I dont know where the company got the false info and XXXX score shud not be denied. I verified thru other two bureaus i have only three inquiries but the co say i have 12. I have very low balances but the company claims my balances are too high. How can under {$200.00} balance be too high on a {$5000.00} or {$10000.00} available. Mortage and two credit cards almost paid off.

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 2022-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Kia motors credit change name on my credit report of company to Kia financial America which original name on the loan application and the original creditor name should not have any XXXX on my credit report therefore the name change should not have decreased my credit score but XXXX points which is not right till the old company name was Kia motor credit now it's Kia financial America

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 2022-08-12 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: NY

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 a account without my written instructions Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : 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 2022-08-12 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:
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 a account without my written instructions Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: WI

Complaint narrative:
For the past twelve months I have tried and been unsuccessful in attempting to reach Equifax via phone. I have sent letters and faxes that have gone unanswered and have been ignored. When I email, I am given generic responses with no resolution. 
There are inquiries on my report that do not belong to me. Per FCRA guidelines section 609, if an inquiry doesn't belong to the consumer and there is no signed authorization by the consumer then the Credit Bureaus must remove the inquiry. The generic email response is that inquiries are factual, which is false per FCRA. I have contacted the businesses in question, who can't seem to find an authorized signature from me and they tell me to contact Equifax. Equifax tells me via email that inquires are factual ( false ) and tell me they can only remove if a FTC report is sent to them. I comply and send FTC report. Equifax places a fraud alert and then refuses to remove the inquiries in question. I have even asked for early exclusion which I'm entitled to per FCRA and Equifax has ignored my request. At this point Equifax is in blatant violation of my rights and totally disregarding the FCRA guidelines, therefore in violation resulting in monetary fines should I pursue legal action. Equifax is already being sued by many others for their blatant disregard of the law. I demand that they comply and remove the unauthorized and inaccurate inquiries on my credit report.

Company response to consumer: Closed with explanation