vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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:
I received a letter from the XXXX XXXX XXXX office that my last outstanding loan ( that was forgotten to be included with my other loans for XXXX XXXX XXXX XXXX XXXX has been determined eligible for forgiveness. The effective date of forgiveness is stated as XX/XX/year>. The letter states that my loan servicer will send communication within 30 business days. The letter was sent XX/XX/year>. The 30 days have passed and now my account on MOHELA shows that is it past due. On top of all this, I am owed a refund for one overpayment in the amount of {$380.00} that was incorrectly applied to this outstanding loan when the others were forgiven. I would appreciate verification that my credit score is not negatively impacted. Please see letter attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dispute online and account verified but not validated

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This complaint is of a general nature - a suggestion to alter the entire system. I was recently rejected for a Verizon Credit Card XXXX Synchrony Bank ) because my credit record shows no history of revolving credit. There is a student loan and a mortgage on my record ( all current ) but those are not " revolving credit. '' As a financial planner I learned decades ago that revolving credit cards are poison to many people, especially young people. I got in trouble with credit long ago and decided that I would never again have a credit card. I use a debit card exclusively. To many, a credit card is like giving booze to an alcoholic! I see this every day - the credit abuse, not the booze! 

But because I choose NOT to go into debt and stay responsible with my spending, I am penalized on my credit score. To me, this is insane and simply a method for banking and credit companies to profit from those who, once indebted, may well choose to continue to pay usurious monthly interest on these cards. Even those who claim to pay them off monthly will eventually get hit with the 30 % interest because a bill was paid late or other factors. Even worse, I can't get a card because I don't have a 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 2024-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I was a victim of identity theft and the collection company XXXX account was found to be fraudulent and found me not liable for balance ( XXXX ) the company still placed a account on my credit and refuse to remove the account I dont know this company nor have I ever provided them with my social security number and allowed them access to my credit.

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 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
a large amount of charges were made on a card that I was not in possession of. There were no outreaches to me at any point to maybe confirm if the charges were legitamate they just allowed the charges to pileup till the card was maxed out and I had no k

nowledge of payments so my credit report was getting hit with delinquent notices which negatively impacted my credit score. Also, the gentleman who I first spoke to on the phone was rude and was suggesting that I was dodging payment and it took entirely too long to just be transferred to the fraud d
epartment to start my claims because the initial rep was I think determined to get a payment of some sort I dont know but if I call in saying I need to speak with the fraud department the last thing I need is someone on the other end suggesting that had I just made my payments this could have all been avoided.

If the card had been cut off when suspicious charges first started I could have avoided this whole mess of filing fraud claims and having to dispute things across multiple entities in an attempt to get my credit report fixed as prior to this credit card situation my credit had been stellar.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EML Payments USA, LLC
State: NY

Complaint narrative:
I was about to use a virtual credit card issued by the company above when I noticed that the balance was {$0.00} when it used to be {$75.00}. 

I have no other word but theft to qualify what happened. 

Upon calling the company, they were not helpful and rude ( they hung up on me twice ). They did not want to resolve the problem. At some point, they directed me to the cardholder agreement, which I never agreed to. 

And furthermore and anyway, in this agreement, I can read " This Card will expire on the " Valid Thru '' date identified on the front of the Card.

The funds on the Card will not be available to you after expiration, so you should use the funds prior to the expiration date on the Card. ", and fee gouging by XXXX XXXX. 

I want my money back and ready to dispute this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Allegedly, according to Spring Oaks Capital LLC on XX/XX/year>, I opened an account with Spring Oaks Capital LLC ( Original Creditor ). I have never done a loan or any other type of business with this company. I have disputed this with them and with the credit bureaus to no avail. The bureaus have not removed the bogus information. You can not owe money to a company you have never done business with or agreed to a loan. This is fraud. They can not prove I ever signed for, received, or used this money because I never did sign a loan, receive money or use money they never gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I looked at my credit report on XX/XX/2024 and notice that's some things we're incomplete and not reported accurately. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX ] [ XXXX  XXXX ] [ XXXX XXXX XXXX XXXXXXXX ] [ [ XXXX XXXX XXXXXXXX ], [ XXXX XXXX XXXX ], [ XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXXXXXX ] Are not complete and accurate . According to [ 15 USC1681s-2 ]. Also I have noticed there are several addresses that are not currently applicable to me in my personal information. There are also names of my children and ex-wife that need to be omitted from my credit report. In my personal information section of my credit report. I've attached pictures of these things as well. A person shall not furnish any information related to a consumer to any consumer reporting agency If the person knows or has reasonable cause to. believe the information is inaccurate. Please check the attachments below.

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 2024-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Lease is ending and I wanted to buy the vehicle; was told that in Florida and North Carolina you must go thru the dealerships. None of the dealers would allow me to buy the car for the lease buy-out that is contractual ; they wanted to charge market price for the car. They required me to pay an extra {$3500.00} on a {$20000.00} buy out. I have a contract to buy for {$20000.00} but no dealership will honor and you can't buy directly from XXXX. 

THIS IS A CONSUMER FRAUD AT THE HIGHEST LEVEL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have filed multiple complaints regarding American Express gift cards. I had XXXX of them and American Express already issued XXXX checks for the XXXX XXXX seeming to finally agree that these gift cards can not be used everywhere American Express is accepted as advertised. 

I filed a XXXX complaint for the XXXX gift card as for some reason American Express would not cut a check for all XXXX at once and on request they cash out XXXX they responded denying and providing the same response they provided in the past when I filed XXXX  complaints stating that these gift cards can not be used at ATMs or for recurring bills which I have never tried to do. 

As stated in prior complaints and again here, I have XXXX {$750.00} gift cards remaining and I CAN NOT use these everywhere American Express is accepted and the only place I was able to get the XXXX card to be accepted was XXXX! 

I will once again attach the last XXXX gift cards to this complaint and once again I ask that they cash me out as they did on the XXXX XXXX therefore acknowledging my complaint that they can not be used everywhere American Express is accepted or in the alternative I ask the CFPB to do their job and demand American Express stop advertising these gift cards can be used everywhere American express is accepted. I would be more than happy to have CFPB contact me so I can show that these gift cards are not accepted everywhere American Express is accepted and thus they are guilty of false advertising! 

I am trying to mitigate this issue but if American Express does not want to cash out these last XXXX gift cards I will have no alternative but to file a small claims case and I am pretty confident that cashing out the XXXX prior gift cards ( by sending me checks ) will be sufficient for a judge to determine American Express agreed that these gift cards can not be used everywhere American Express is accepted and will award judgment to me but if I do this I will ask the judge to reward court filing fees and my time to me as well so attempting once more to resolve this before going that route.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax and XXXX and XXXX are consumer reporting agencies and I'm the consumer. I have rights to make sure my private info isn't shared.15 USC 6801 to respect privacy of it cu customers and to protect the security and confidentiality to those customers. XXXX and according to the fair credit reporting act 15 USC 1681 section 602 a state there is a need to ensure that the customers reporting agencies exercise their responsibilities with fairness and respect for their customers and the right to privacy. The l furnisher of information to credit agencies the financial institution and the Consumer Reporter and agencies Equifax XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Equifax and experience are not maintaining responsibilities procedures also 12 CFR section 1016.7 states that a consumer may exercise the right to opt out at any time! I am opting out of your reporting services!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-08-28 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: WI

Complaint narrative:
I want the following address 's removed from my account : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX 1960 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX I either XXXX XXXX live there ( greater than 2 years or have never lived there )

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 2024-08-28 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
I closed my account on Google XXXX account they want let me close account they took XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently I sent a complaints on my consumer report, on how I had inaccurate Information reporting! This account is keep updating INACCURATE INFORMATION and This is causing me harm and affecting my ability to purchase a house!

According to 15 usc 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates to.

And 1681i ( 5 )! 


PLEASE REMOVE THIS ACCOUNT SO MANY ERRORS REPORTING ON THIS ACCOUNT HOW IS THAT THIS ACCOUNT IS REPORTING AS A CHARGEOFF IN XX/XX/XXXX and was CLOSED SINCE XXXX of XXXX but still reporting ontime payment! Also in the comments section its reporting account closed by consumer but still reporting CHARGEOFF. 
Please remove from consumer report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) A ), You are required by federal law to verify- through the physical verification of the original signed consumer contract- all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( An original consumer contract with my wet signature on it ) you Have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my Ability to obtain credit under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts to be verified or remove Immediately.

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 2024-08-28 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) A ), You are required by federal law to verify- through the physical verification of the original signed consumer contract- all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( An original consumer contract with my wet signature on it ) you Have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my Ability to obtain credit under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts to be verified or remove Immediately.

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 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief