vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I applied for the level up funding loan on XXXX XXXX for the amount of {$400.00}. The company has taken out an amount of {$54.00} each week since then totaling an amount of about {$600.00}. The agent did not mention that I would have to pay almost triple the amount of the loan back to XXXX XXXX XXXX. I have an option to complete the loan payment in full for a total of {$430.00} on XXXX XXXX. If I dont pay that amount on the next installment I will continue to pay {$54.00} each week until XXXX XXXX. Which means I have {$1400.00} left to pay. This does not make any sense to me as I only took out a {$400.00} loan and have to pay back more than {$2000.00} dollars. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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:
Approximately over a month ago, I applied for an XXXX XXXX  XXXX  through XXXX XXXX XXXX XXXX, which represents the said bank. During this process, XXXX XXXX XXXX XXXX obtained a copy of my credit history from TransUnion. However, I have noticed that TransUnion has provided additional information to XXXX XXXX XXXX XXXX, which I have not authorized or consented to be disclosed to any bank. This unauthorized and unverified information is damaging my credit applications and negatively affecting my financial history. 

I have had conversations with several TransUnion representatives and supervisors on multiple occasions, and they assured me that they do not share third-party information with credit report requestors. They also informed me that they only provide information about my accounts, debts, or closed accounts. However, after reviewing my updated credit report, I was able to verify that unauthorized information from third parties has indeed been shared with XXXX XXXX XXXX XXXX. 

This deeply concerns me as I believe that these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and infringe upon my rights as a consumer. Therefore, I earnestly request that TransUnion does not share any unauthorized and unverified third-party information with any bank requesting my credit history unless explicitly approved by me. 

Attached to this letter, I am providing evidence that supports my claims and demonstrates how TransUnion has based its information on unauthorized third-party data, resulting in XXXX XXXX XXXX XXXX rejecting my credit application. I sincerely appreciate your attention to this matter and hope that immediate actions will be taken to rectify this situation. 

Please provide a written response to the address stated in the header of this letter or the email XXXX. Additionally, I kindly request that you inform me of any steps taken to resolve this dispute within a reasonable timeframe. 

Thank you for your prompt attention to this matter, and I trust that we will resolve this situation satisfactorily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I AM A VICTIM OF IDENTIFY THEFT AND I WOULD LIKE TO GET SOME FRAUDULENT ACCOUNTS REMOVED AND BLOCKED DUE TO FRAUD. ACCORDING TO UNDER 15 U.S.C AND 1681i ( FCRA ) YOU ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION.

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 2023-07-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX can not close CD Supposedly because of some computer glitch. This has been going on for 3 days and no resolution in site. Also, they never contact me of any updates. On the third day after repeated calls they finally put in a research report to fix the problem. Why they didn't do that 2 days ago, don't know? If I didn't repeatedly call, would they have done anything. What a terrible consumer relationship problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: TX

Complaint narrative:
These accounts are not mine Ive been incarcerated since XXXX  I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : XXXX XXXX acct  XXXX, XXXX XXXX, XXXX acct XXXX, XXXX XXXX acct  XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX acct XXXX,. inquiry XXXX XXXX,. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed These accounts is violating my rights and must be removed immediately thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED CREDIT CARD ACCOUNTS IN MY NAME. THE CARDS ARE AS FOLLOWS : XXXX XXXX XXXX  XXXX XXXX XXXX BANK, XXXX XXXX XXXX XXXX, AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
Three days ago I had a follow up call in response to a complaint from whom I thought was customer service at XXXX. I was hearing from a XXXX that is as far as I could hear from his mouth as he was speaking incredibly fast. I had beyond this point verbally complained prior to the CFPB complaint about a draft that was supposed be skipped as per my right because I could not afford the amount that month into the program. I was promised to get my money back but after two weeks of waiting I wound up getting this call from XXXX and unbeknownst to me I had no idea this had to do with the CFPB complaint so now I am forwarding an initial complaint on how XXXX handled this and frauded me again to manipulate me into thinking he was someone from Customer Service and manipulated me to sign an agreement of a refund of just the initial draft amount when it was XXXX separate complaints. They keep saying it has been responded to but no one reached out to me. I need governmental help this is a scammer and the business needs to be investigated and looked into further. I am telling you their practices are not okay. Taking advantage of innocent people, tricking them, not saying who they are upfront and manipulative. I am so scared. My resolution again is my XXXX payments made of {$280.00} into the debt settlement program for work that was not done and me having to settle my debt with the courts myself. They did not promise or represent me or handle any of my debts and customer service assured me they would. I have so many complaints by now and documentation of me having conversations with them through their own company promising me so many things that NEVER happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL DATA SYSTEMS , INC. fraudulently attempted to collect an alleged debt without providing proof that a debt is owed. They do not have a contract with my signature and I have asked them to provide this information but they can not because there isn't one. XXXX XXXX illegally sold this account to MEDICAL DATA SYSTEMS , INC., when the account was already paid on the date of service. MEDICAL DATA SYSTEMS , INC. has charged off the account and is adversely reporting to XXXX that I am indebted to them. All of this is being done WITHOUT my consent, pursuant to The Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
Most recently, this company has sent a letter to my mothers house stating that I owe money to a place called XXXX XXXX XXXX, XXXX, which I have never heard of before, but I owe {$1500.00}. I have not lived at my mother 's house in over 5 years and she should not be receiving any of my mail. This company called me : XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  Each time they have called, my phone has blocked the number for potential spam and I have not answered any of their phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid 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: EGL US, LLC
State: GA

Complaint narrative:
Victim of ID theft XX/XX/2023, via electronic device contacted the company and tried to work out the issue. They did a charge off for the amount of XXXX which was show on my credit report. The company is BMG loans at work with account number ending in XXXX. I received a notice from a collection agency named XXXX XXXX XXXX XXXX phone number XXXX dated XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I filed a complaint on XX/XX/23. Requesting certain actions and clarifications, document attached. I received a response from Amex on XX/XX/XXXX which did not answer my very simple questions and informed me the company would stop responding. I called Amex today to ask the questions on the phone and I was told someone would call me back. For 2 months, Amex has been telling me someone would call me back within 48 hours and only once has that happened out of 5 calls to them. Most recently I have been waiting for almost a month for a callback. Therefore, the only way I seem able to communicate with Amex is through CFPB which is anything but optimal. 

Things I need clarification on : - I understand one of the amounts of {$7700.00} has been credited but not the other. Since they are with the same merchant and the same fraud why has only one been credited and not the other {$7700.00}? 
- how do I know you will not reverse this credit like you did in XXXX. I need this in writing. 
- have I been refunded the interest charges on the {$7700.00} you have credited back to me? What about the interest on the other {$7700.00} - As requested on the phone and in previous CFPB communications I need : Contact and address for service of process Details of mediation process and costs associated Details of arbitration process and costs associated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I XXXX is XXXX I set up a payment plan with National Collegiate Trust with a balance of XXXX. I have made payments monthly to XXXX XXXX XXXX and they have recently called me to say I still owe XXXX as of XX/XX/XXXX. They refuse to settle this debt and explain why my balance is still original and refuse to send me a breakdown of my payments made. I ask these questions, am put on hold for lengthy periods of time and I believe someone is stealing my money between the two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I intended to pay off my Toyota car loan in late XXXX and had received an official letter stating that my loan was paid off in XX/XX/2023 ; the bank link was deleted, and Toyota fiancials sent me a letter showing the car was paid off. In late XXXX, I received a letter showing that my car payment was late. I called and attempted to make another payment, was informed that there was no bank information on my Toyota account and was charged XXXX dollars late fee but as I linked the bank again, it was settled. In XX/XX/2023, I received another letter about the late payment and past due 60-90 days. I called Toyota financial services, was told that the payment I made did not go through and it was because " I didn't have enough money to pay off the balance. '' The link automatically disappeared. After a couple of calls, the customer service took the payment verbally. I still have not received anything on the title, or the pay-off letter. They still reported me as late due 60-89 days on my credit bureaus. I am looking for help to get this corrected on my credit report, and apologies for the hassle when i tried to make a full payment of my car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: AZ

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: MO

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: GA

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-07-27 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX NJ XXXX XX/XX/XXXX Capitol One Attn : Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request to Remove Charged-Off Debt from Credit Report due to Missing 1099 Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter regarding my account with Capitol One. My name is XXXX XXXX, and my account number ending in XXXX which was associated with a charged-off debt. 

Firstly, I would like to express my gratitude for your efforts in assisting me throughout the process of resolving my financial situation. However, I believe there is a discrepancy in the reporting of this debt, which I would like to address. As of the tax year XXXX I have not received a Form 1099-C, " Cancellation of Debt, '' from Capitol One. 

According to the IRS guidelines, when a creditor forgives or cancels a debt of {$600.00} or more, they are required to send the debtor a Form 1099-C. This form reports the canceled amount as taxable income to the debtor. Without receiving this form, I am unable to fulfill my tax obligations accurately and may inadvertently underreport my income. 

Additionally, as the debt was charged off, I understand that the reporting of this debt on my credit report should be adjusted accordingly. A charged-off debt should typically be marked as " Charged-Off '' and indicate a {$0.00} balance. However, the debt is currently listed as outstanding on my credit report, which negatively impacts my credit score and financial standing.

Therefore, I kindly request that you take the following actions : Provide me with a copy of the Form 1099-C for the canceled debt associated with my account account ending in XXXX for the tax year XXXX. 

Correct the information on my credit report regarding this charged-off debt, reflecting the appropriate status as " Charged-Off '' with a {$0.00} balance. 

I believe that addressing these issues will not only ensure accurate tax reporting but also help rectify any inaccuracies on my credit report, which is crucial for my financial stability. 

Please respond to this matter within 30 days from the date of this letter, as required by the Fair Credit Reporting Act ( FCRA ). If you require any additional information or documentation from me, please do not hesitate to contact me at my email XXXX. 

I appreciate your prompt attention to this matter and your understanding of the impact that these issues have on my financial well-being. I look forward to resolving this matter amicably and would like to thank you in advance for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation