vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year>, Ally Financial mistakenly applied a payment of {$2400.00} to my auto loan account. The payment did not originate from me, but the funds were used to release my repossessed vehicle. Ally later corrected this error by removing the payment, which left me with a balance of {$2400.00}, along with additional repossession fees of nearly {$500.00}. 

I promptly contacted Ally about this mistake, which caused significant financial hardship. I incurred additional fees due to their error, and despite multiple requests, Ally refuses to refund the repossession fees that arose from their mismanagement. 

In addition to this, my interactions with Allys customer service have been extremely unprofessional. I have been verbally abused by representatives, hung up on during calls, and my requests for escalation have been ignored. These issues were not addressed adequately by Allys management, despite several requests for a formal investigation. 

I requested a review of my loan agreement due to the stress and financial damage caused by Allys errors, but they refused to consider any adjustment or termination of the loan agreement. Ally insists that I am fully responsible for all charges, despite acknowledging their error in the misapplied payment.

This entire situation has caused me significant financial and emotional distress, and I am seeking a full refund of all repossession-related fees, as well as a formal review of Allys practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XX/XX/year> XXXX  Customer Care TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX : Request to Update XXXX Report Due to Loan Closure Issue Dear Sir/Madam, I hope this message finds you well. I am writing to formally request an update to my XXXX  report concerning my loan account with XXXX XXXX. 
Details of my account : Name : XXXX, XXXX XXXX, XXXX XXXX Report Reference Number Loan Account Number : XXXX Date of Loan Closure : XX/XX/year> I have successfully cleared all dues associated with my loan from XXXX XXXX. However, the loan account is still showing as active in my XXXX report, which is adversely affecting my credit score. 
I kindly request you to verify this information with XXXX XXXX  and update my XXXX report accordingly. A prompt resolution would be greatly appreciated, as it impacts my ability to obtain future credit. 
Please let me know if you require any additional information or documentation to assist with this matter. 
Thank you for your attention to this issue. I look forward to your prompt response. 
Sincerely, 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 2024-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-10-09 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: FL

Complaint narrative:
I, XXXX XXXX XXXX reviewed my credit report and found the following items to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months

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 2024-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX reviewed my credit report and found the following items to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months

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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I had a payment that was due on XX/XX/year>, for my Destiny credit card that I use for different things, and I was not able to make my payment on that day. But I did make a payment on XXXX XXXX and when I made this payment it said my payment had been received thank you, but then it also said adjustment-payments R01 Insufficient funds. I was charged for a returned check charge, but there was also a refund return ck chg. This activity occurred in XXXX XXXX nine days after I made my payment. But I did call and check on my payment on XXXX XXXX and was told that my payment was going to clear on the XXXX of the month. But then I say on my credit report that they reported my account as a delinquent account when I need make a payment on XXXX XXXX and was never told that there was a problem with my payment. Then when I spoke to a associate they told me they don't make phone calls to the clients if something goes wrong, but she also said they emailed me even though they had not because I had no email. I spoke to at least 7different people about my account and my mom even spoke to them about this account because the payment that was made came out of my mother 's bank account. I spoke to at least 3 managers, and they all said pretty much the same thing about this issue but none of them really tried to help me they just wanted a payment. They also charged me late fees even though I had the payment in there and wasn't told there was a problem with the payment. When I asked about the delinquency, they put on my account I was told that the company does not do reversals so I would have to go through the credit bureau and dispute it and in the meantime that delinquency is hurting my credit especially since I am in the process of trying to fix some of the accounts on my credit report. Also, when I look at my payment activity and my past payments it says that the {$480.00} was paid and both of them say paid more than one time this payment would have cleared up my account and put me back at my {$300.00} limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
Dear XXXX XXXX, Our reference : XXXX XXXX Original Creditor : XXXX Original Account : XXXX Current Creditor : Credit Corp Solutions , Inc. 
Balance Outstanding : {$2400.00} As discussed, please find the attached document. 

I can be reached directly at ( XXXX ) XXXX or toll free at : XXXX. Our opening hours are XXXX MST Monday-Thursday, and XXXX MST Friday. 

Did you know, you can manage your account online anywhere, anytime. Simply log in to your account at https : //creditcorponline.com/selfservice # /login using your reference number XXXX. 

The online portal allows you to see available offers, make a payment or chat with us online. 


Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I wish to report a fraudulent offer by XXXX XXXX and Citibank, NA regarding a {$250.00} credit to be received on opening an XXXX XXXX card issued by Citibank NA. 

On XX/XX/XXXX I went to the XXXX XXXX website to book a flight from XXXX XXXX, XXXX XXXX to XXXX. On the XXXX XXXX website was an offer ( see attachment ) : Earn up to a {$250.00} statement credit Pay today {$890.00} Card statement credit - {$250.00} Total after statement credit {$640.00} XXXX applied for and was approved for the credit card. On the same day I purchased the flight for {$890.00} with a credit card other than the AAdvantage card, since I had neither the actual AAdvantage card nor the required AAdvantage card information. However, I did not receive the promised {$250.00} credit. I made complaints to both XXXX XXXX and Citibank, who refused my request for the credit because I had not used the Aadvantage card to pay for the flight. See attachments for their responses. 

This offer was fraudulent because : XXXX. The wording pay today implies that the offer was only valid for flights purchased on that date. 
XXXX. The offer did not state that the XXXX credit card must be used to purchase the flight in order to receive the credit. 
XXXX. Contrary to the statement in the XXXX XXXX response, the required XXXX cared information necessary to book the flight was not displayed, even for a few minutes. 
Even if it was displayed for a few minutes, this is not enough time to book a flight online, especially since I am XXXX XXXX XXXX and slower than I was previously. 
XXXX. Both responses state that, contrary to the pay today language on the website, the credit can be earned by using the card for future purchases on the XXXX XXXX website, but they do not agree on the period for which this would be valid the XXXX XXXX response states 12 months ; the Citibank response says 6 months. This implies that the offer was made in haste and not fully understood by the parties involved.

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 2024-10-09 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: CT

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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries XXXX  XXXX XXXX XXXX OF 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 a 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 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
. Comenity Bank has unjustly closed several of my accounts without my request or consent. These accounts include : AAA Daily Advantage Visa Signature Credit Card 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 Dell Pay Credit Account 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 Sephora Credit Card XXXX XXXX XXXX XXXX XXXX XXXX Ulta Beauty Rewards Credit Card ( XXXX XXXX XXXX XXXX XXXX Zales The Diamond Card XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. In addition to closing some of these accounts, Comenity Bank has placed restrictions on others, making it impossible for me to use them. They claim that they can not contact me, despite the fact that I never requested such a restriction. 
XXXX. I am currently disputing the balance on my Dell Pay Credit Account ( ending in XXXX ), as I never received the product I purchased. However, Comenity Bank has taken Dells side in this dispute and has ignored my requests for resolution. They continue to harass me about this balance, which I do not owe.

4. As a result of these closures and restrictions, I have been unable to access my accounts online to review statements or make payments.

5. The situation has caused me significant emotional distress, financial losses, and wasted time, especially due to the poor treatment from Comenity Banks outsourced customer service, where I have been harassed and provided with inconsistent and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: OH

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 confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 consumer 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 explanation
Consumer complaint received 2024-10-09 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
Consumer complaint received 2024-10-09 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: NJ

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 non-monetary relief
Consumer complaint received 2024-10-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 2024-10-09 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: MI

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 confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation