vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc.
State: MD

Complaint narrative:
Good Morning : Sentry Credit , Inc . 
XXXX XXXX XXXX XXXX, WA XXXX I contacted Sentry Credit , Inc on XX/XX/2023 to validate a debts of {$15000.00} and set up a payment arrangement for a debt that I owe to XXXX XXXX apartments. This is an apartment that I rented for my son and where I know the debt is outstanding the company has never provided me with a letter to allow me to validate or dispute the debt. I have since received an email from the company and I called them back on XX/XX/2023 to provide my payment and they took my bank account information and stated that it was going to take them 13 days in order to provide me written confirmation of my payment. This is truly concerning to me and I am not sure why it takes so long to provide me a receipt for my payments. During the call the gentleman ( XXXX XXXX stated that he was writing my information down and I questioned his response and asked if he was entering the information into a system or was he writing it down. He appeared to be offended however, I have a right to understand how my information is being handled. Also, the company has not provided a written confirmation of the payment arrangement that we agreed to which was {$150.00} for the initial payment and {$150.00} a month to be collected on the XXXX of the month. They told me that they would call me to collect my payment however, I am concerned that they don't have an automated system where I can go and make the payments. I don't choose to be called to pay a debt and should be provided a means to make payment without disrupting my day with a call from the debt collector. 

Every transaction I make with this company should be followed by a written confirmation and not a number provided over the phone. What proof is given to me to state that I have made the payments? How do I know what they are planning to DRAFT out of my account if they don't provide an immediate confirmation of the transaction? 

I asked many questions on the call and they told me I have to wait for an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ASSOCIATED BANC-CORP
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Associated Bank regarding the suspension of my ability to schedule transfers and the complete lack of response from their customer service department. I believe that my experience with Associated Bank has been frustrating, unprofessional, and a significant inconvenience. 

Details of the Complaint : Inability to Access Account : On XXXX I attempted to log into my online account with Associated Bank, but I was unable to do so. I received an email notification stating that my " Ability to Schedule Transfers Has Been Suspended ''. 

Attempts to Contact Customer Service : Immediately after receiving the suspension notification, I contacted Associated Bank 's customer service department through their provided helpline. The representative informed me that my case had been assigned to someone who would handle the matter and assured me that I would receive a call from them the following day to discuss reactivation of the service. 

Lack of Response : Despite the assurance, I did not receive any call or communication from Associated Bank for several days. After waiting patiently, I called their customer service again, and once more, I was promised that someone would contact me within the next 24 hours. Unfortunately, as of today 's date, which is almost two weeks after the initial suspension, I have not received any response or call from them. 

Inconvenience and Loss : The inability to access my account and schedule transfers has caused me significant inconvenience and stress. I rely on these services for my financial obligations, and the lack of access has affected my ability to manage my finances effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: FL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-25 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: VA

Complaint narrative:
I hope this letter finds you well. My name is XXXX XXXX, and I am writing to formally dispute an account that appears on my credit report, which is associated with XXXX XXXX. However, I must emphasize that I have never applied for this account, nor is it in my name. This erroneous information is severely affecting my credit profile and hindering my ability to proceed with a significant life event, specifically the purchase of a home. 

I recently reviewed my credit report from all three major credit bureaus and discovered the presence of this unauthorized account from XXXX XXXX. I assure you that I have never entered into any financial agreement or transaction with XXXX XXXX, and I am confident that this account is a result of mistaken identity or identity theft.

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 2023-07-25 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I submitted documents to this company via certified mail which were police report and ftc report indicating that the account they are reporting to my credit reportis fraudulent and should be removed immediately I have not received any response certainly not in written I also sent in a debt validation letter giving 30 days to provide and contracts to validate this debt and have not received anything

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 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: MO

Complaint narrative:
This debt originated with XXXX lease to own appliances. They double charged my account for 6 months during the year of 2019. This account was already disputed, handled and removed from all agency reports. It seems a new company has bought a debt that does not exist and has iilegally re-reported it to the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
Original Amount was over XXXX dollars and paid on time and in full. was never notified about XXXX short or given the chance to dispute amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-07-25 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: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-25 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: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to Equifax via letter twice to remove inaccuate information from my consumer report in which after the first letter they responded with an update in which i will upload. The information in question pertains to the posting of XXXX XXXX XXXX on my consumer report, Equifax or XXXX XXXX XXXX has yet to provide proof ( contract with my signature ( wet ink ), I never entered into a contract with this company via verbal nor any other, so im asking Equifax to either provide evidence ( contract with my signature, wet ink or verbal recording with me entering into an agreement with this company ) or remove inaccurate information from my consumer report. If Equifax does not take appropriate action to address the inaccuracies, I will consider seeking legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
they are saying i owe them debt when i never opened an account with them, it was from identity theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying i owe them {$430.00} but i never opened a credit card in XXXX it was identity theft XXXX XXXX XXXX LVNV FUNDING LLC says i owe them {$790.00} but it was identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-07-25 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: TX

Complaint narrative:
I am refilling this complaint is for TRANSUNION. I sent them communication letters several times regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-07-25 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received via mail a welcome letter from Chime with an account number and debit card on XX/XX/2023. On XX/XX/2023 I received an email from Chime stating that the email address on my account had been changed. I contacted the company via the only customer support line available XXXX and they were willing to close the account. I had no idea what information they used to open the account ( ie social, dob, etc. ). After closing the account they said I had to send an email to request information about any transactions that may have gone through the account. They stated no one at their helpline was capable of viewing those transactions except this mystery team that could only be reached via email. No supervisor was available or offered for assistance. I was only provided an email address and no additional assistance to what the potential exposure of this fraud is. I have no idea if I will ever get a response to the email or if it will contain the information needed. The fraudulent customer service at Chime is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2023 I spotted 2 unauthorized charges on my CIti Dividend card from XXXX, one {$15.00} and another {$55.00} and notified Citi. Citi closed my old card, issued security credit and started an investigation. On XX/XX/XXXX Citi sent me a letter saying the 2 charges were legit and put them back to my new card. It was puzzling how they made that conclusion since the orders were placed from an email which was different from the one I registered with XXXX or Citi.com. I called Citi 's Security Operation. The agent said they will re-start the investigation. When asked whether I should pay the charged while the investigation was going she specifically told me " no, you don't have to pay ''. These 2 charges were the only thing on my XXXX statement so I didn't send any payment. Then the XXXX statement came with these charges as overdue together with a late fee. On XX/XX/XXXX and XXXX I called again, the agent promised they would credit my account but nothing happened. On XX/XX/XXXX I asked to speak to a supervisor. this time she said the Security Operation couldn't issue a credit while the investigation was on going and there was nothing she could do and " suggested '' me to pay. When asked to speak to her supervisor she said they can only be reach via snail mail. 
I've been a Citicard holder for 20 years and kept a perfect payment record. Now my credit is affect purely because of the incompetence of the Citi Security Operation agents and the couldn't-care-less attitude of the " supervisor ''. 
Yes Citi is a giant cooperation so much so that they think they don't have to care about their customer 's satisfaction. I doubt how effective this complaint would be in solving my problems but I still would like to put my experience out here on record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had several late payments. But here 's the thing, I've never been late on my payments for this account.

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-07-25 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief