vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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: SunTx Capital Partners
State: GA

Complaint narrative:
I have contacted the company several times to correct the issue. They are reporting my account as closed/charged off and sold to another lender. 
The company is reporting that I owe more money than my account really does. 
The company has not been reporting accurate information since XX/XX/2020 Also has been reporting that I am late on this account. I have NEVER been late and also my account was paid up for a year.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number ***XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this negative reporting is harming my credit score and the line item needs to be removed from my credit report.

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 2021-02-08 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:
See attached Transunions NOTARIZED Identity Theft Victim Affidavit. Furthermore, I have sent many many Consumer Financial Protection Bureau complaints on XXXX, XXXX, and Transunion regarding XXXX theft of cards, identity theft, impersonation, fraud, and forgery. See attached XX/XX/XXXX letter from XXXX. XXXX refuses to provide my request for information on payments made, phone conversations, and person making payments due Chases privacy policy. My private account but a privacy policy for someone making payments on my account which is totally void of common sense and justice. Thieves have more rights than the victim. This information would allow the fraud to be proven. XXXX continues in the XX/XX/XXXX letter by claiming to have processed the fraudulent payments correctly. How can XXXX make this statement and at the same time deny information that would prove the fraud? XXXX continues in XX/XX/XXXX letter by stating phone number ending in XXXX had been removed shortly after the theft and XXXX doesnt know how they obtained phone number. This lacks protection for my account. XXXX incorrectly listed last four digits of phone number in this letter as XXXX but as XXXX in previous letter dated XX/XX/XXXX. Now look again at Transunions NOTARIZED Identity Theft Victim Affidavit reflecting also XXXX XXXX XXXX XXXX. Now look at the attached XXXX XXXX XXXX XXXX XXXX Application. See phone number, XXXX, and email address, XXXX. It is the same phone number. Now see all information for this XXXX XXXX XXXX aka XXXX XXXX XXXX. Credit Card abuse, forgery, impersonation, & false pretenses and is currently in a Mississippi jail. The XXXX card was stolen, used, fraudulent payments made, and phone number was allowed to be changed allowing control of the card.

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 2021-02-08 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: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXXXXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2020, ALLY FINANCIAL XXXX INC add a hard inquiry on my credit report per XXXX 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FIFTH THIRD BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written auth orization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I am still under the impression that XXXX XXXX are not keeping accurate records with my account and are operating under deceptive practices. 

I filed a formal complaint with the FTC about my account and how they are reporting it. 

When looking at their response to my complaint, they listed another a vehicle, interest rate, and other information that doesn't match mine. As you will see on the attached documents, that they vehicle in question is a XXXX XXXX, they listed a XXXX XXXX. I have never owned a XXXX XXXX and I have never financed a XXXX XXXX through this dealership or through Chrysler Capital/Santander. 

I question if these documents match the information reported and if the calculations are correct because they are associating it with another vehicle. 

The company that was used by their company never sent me a document or anything stating where I could come and get my personal belongings. 

Also the terms listed are not accurate. They show that the vehicle was extended 2 times and not 5. Are they stating that a request of date change equals a month extended? If so, where is the documentation that shows this is possible and where is the documentation that it was communicated to me? 2 does not equal 5. 

On XX/XX/2021, they responded to my complaint with these discrepancies and expect me to believe what they are reporting is accurate. 

At this point, I would like to have this account removed from my credit report for inaccuracies and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony bank is saying I still owe them for a PayPal credit card. They made a settlement with the debt consolidation XXXX XXXX XXXX. The check was mailed to them in XX/XX/2020. They are still saying I owe them and reporting it on my credit report as unpaid.

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 2021-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thrivepoint Financial Holdings, Inc.
State: UT

Complaint narrative:
I received a Renovate America ( XXXX XXXX ) loan through a local Utah company, XXXX XXXX XXXX. on XX/XX/XXXX, through an agent of XXXX XXXX  who came to my door. The loan was for {$2100.00} and was ostensibly to " prepay '' monthly security monitoring charges for seven years. The loan proceeds from Renovate America were disbursed to XXXX XXXX, XXXX and I was contracted to make a {$35.00} loan payment for 84 months. 

In XX/XX/XXXX, I received a letter from the monitoring company ( XXXX  ) saying they were ceasing monitoring on my system in XX/XX/XXXX due to nonpayment. I reached out to XXXX XXXX to find out what was happening, only to learn they went out of business in XX/XX/XXXX. 

Today I received a notice that Renovate America has filed bankruptcy and seeks to sell my " loan '' to another company for collection. I have never been late on a payment and stopped receiving the benefit derived from the loan proceeds as of XX/XX/XXXX. 

I believe that Renovate America and XXXX XXXX, XXXX engaged in unfair and deceptive business practices and colluded to bilk thousands of dollars from unsuspecting consumers who would be trapped in a long-term loan without receiving tangible benefits from the proceeds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08 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: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020, my credit card was charged for an amount of {$190.00} in response of an unauthorized transaction from XXXX XXXX, which is an online car sharing marketplace. I contacted my bank ( CHASE Bank ) to fill a dispute on the charge and they credited my account with the amount of {$190.00}. Curiously three months later, my bank ( CHASE ) informed me that the merchant ( XXXX ) approved the charge of {$190.00} because I took a rental from their customers at XXXX, TX and the transaction should take place. Thus my bank charged me back the {$190.00} into my account. THESE HAS BEEN A TOTAL FALSE STATEMENT AND ACCUSATION MADE BY XXXX XXXX. 
So i contacted the merchant ( XXXX ) to dispute the charge since i wasn't the one who took the rental car from their customer and also XXXX didn't sent a proof of service on XX/XX/2020 so i will find out where this transaction comes from or if XXXX is just making false statement. 
I tried to call XXXX several times and when their customer service knows i am calling regarding that fraudulent charge, he/she acts unprofessionally by putting me on-hold for about two hours before disconnecting their phone. I have been trying to clarifying this dispute many times but it turns to be repetitive and so on. I can say XXXX XXXX is a fraudulent online business trying to use people 's personal information to maintain their profitability. 
Finally i was able to reach one of their agent ( XXXX ) and she/he gave me a case number XXXX # XXXX after 7 months of disputing the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XX/XX/2020, XXXX XXXX Inquiry :XX/XX/2020, FIFTH THIRD BANK Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Aqua Finance, Inc.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XX/XX/2020, AQUA FINANCE Inquiry : XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, WELLSFARGODEALERSVCS add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/XXXX portfolio recovery called me in regards to a debt that is past statue of limitations. I had kindly asked the company to stop calling me at my number for their start period of time the company allows. After the lady from portfolio recovery stated that I will no longer get calls for a month from the cell number that she had repeated back to was clearly mine. 
XX/XX/XXXX portfolio recovery called my number in regards to a different account from another person, that supposedly my spouse that lady from portfolio recovery had stated very clearly. I havent been married for going on 4 years and changed my number from my ex wife. Portfolio recovery never stated or clarify I had supposedly had someone else linked to my named or my number doesn't mean anything being flagged by portfolio recovery to still call knowing that promised on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank has added extra security where you get an automated call with a security code needed to log into your account. The number they have on file is not our phone number. I was told by their customer service they use a third party who gets telephone numbers off the internet. We have done business with Synchrony Bank for years, they have our telephone number. We can not get them to remove this telephone number, which is not our telephone number, from their system or our account. I have contacted them numerous times regarding this issue and they insist they can not help with the issue.

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 2021-02-08 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: FL

Complaint narrative:
My fiance and I went to XXXX XXXX car dealership in XXXX, Florida to trade in her vehicle for a new one. We were {$9000.00} upside down in the vehicle. They told us no problem. We told them to run our credit report once. We did not want them repeatedly running our credit. She found her dream car, a XXXX XXXX XXXX. I offered them {$500.00} down they told me to save it, it would only lower the payment by {$20.00} or {$30.00}. We took the car home that Monday night. The next morning she got alerts on her phone that her credit was still being inquired. I went to the dealership and asked the finance manger about it and he told me, after looking on the computer that we had two approvals and the deal is done. Fast Forward to Friday, we called the dealership about the remote start and they told us the salesman needed to speak to us. He said, they were requiring {$2500.00} down to close the deal. We went back and we negotiated a {$1000.00} down payment with cash due in 30 days. They day before I was about to give them the first portion of the down payment they told us there was no deal and wanted the car back. Not only was my fiance crushed, we were now two months behind on the other car payment and our credit scores had gone down over 100 points because they repeatedly ran the deal to 20 different primary and secondary lenders without our permission after assuring us we had two approvals and the deal was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: SD

Complaint narrative:
I faxed the information requested by my bank to verify my identity on XX/XX/2021. I was told it wook take 5 business days to have access to my account. I called back on XX/XX/2021 and was told that the documents were grainy and that I would have to refax them. I called the bank regularly and was not told of this issue until today. I am now being told that it could be 48 hours to another 5 business days before I might have access to my account. I have never been informed by the bank as to when I would have access to my funds. They claim that they do not have the phone number to the department that authorizes the release of my funds. I need access to my money.

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 2021-02-08 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: Westlake Services, LLC
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX/WESTLAKE FINANC add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXXXXXX XXXX  add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-08 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: PNC Bank N.A.
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, PNC BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation