vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take XXXX to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more 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 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: FL

Complaint narrative:
My interest is 9.99 % yearly for a total amount of {$6900.00} through Castle Credit. My statements show that I am paying more than 10 % in interest. Please see below. I show two different amounts for the interest charge in my statements. I spoke with Castle Credit but they were unable to clarify. Every statement since I open the account in XX/XX/2022 show different and incorrect amounts of interest charged. In XX/XX/2022, Castle Credit charged {$88.00} in interest and only {$2.00} was applied to my principal debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act Credit and Financial Companies have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: HI

Complaint narrative:
Around the XX/XX/2022 time frame, I switched my cellular carrier from XXXX to XXXX XXXX, which is a re-seller for XXXX services as this change lowered my service costs. Consumer cellular said that they would take care of the steps needed to make the change and cancel my XXXX account. Some time passed and I was still getting bills from XXXX and after numerous conversations with XXXX, I found out they were still billing us for our XXXX watches. We finally got that settled and made sure that any remaining charges were paid and based on XXXX inquires to XXXX, our balance was XXXX. Sometime during this lengthy transition a collection bill for {$420.00} shows up claiming I owe XXXX more money. First off, I always had my payments on auto-pay and I never had late payments a, nd bills that showed up from XXXX during this process, I either paid or contacted XXXX to take care of it. Sometime in XXXX, this company, Creedence Resource Management filed a collection notice saying I owe {$420.00} to XXXX which now, has taken my hard earned credit score of XXXX down to XXXX for noting that I have done. I have repeatedly contacted XXXX and verified I owe them noting and I have no idea where this is coming from. I do know that someone is responsible for initiating this and I expect this to be corrected and removed from my credit reports. I am prepared to take legal action against this company for falsely filing a negative credit notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Dear Creditor XXXX XXXX XXXX XXXX, I cancelled your 30 Day trial offer within 12 days and contacted you via phone and confirmed this with you. You mentioned the cost I owed to you in the amount of {$85.00} if the router was not returned back to you. We showed you proof of receipt that the router was returned with a new balance of {$0.00} but yet you insisted on selling this debt to the debt collector, Waypoint Resource Group. Because of this, you have made my credit score drop XXXX points leaving a XXXX XXXX against me. I did not deserve this and I do not appreciate this at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I entered into a consumer transaction with XXXX Bank XXXX XX/XX/2022. Based on the condition of my credit I was pre approved for {$2000.00} credit limit ( see attached ). I then accepted the application because it would cover what I needed to purchase for my personal and or household goods. After I accepted the offer, I was told that correspondence will be sent to me in the mail. I received a letter dated XXXX XXXX stating that in order to complete my request, we require additional information to verify your identity. So I called the XXXX number provided in the letter ( XXXX ) XXXX and provided the info asked of me. At that time, another pull to my credit report was conducted to which the agent on the phone did not disclose to me that they would pull my credit. I was not informed that my credit limit would be subjected to the condition of my credit report arising from the credit pull on XX/XX/2022. This has caused me serious harm as defined in 18 USC 1589 ( c ) ( 2 ).

Pursuant 1581b ( a ) ( 2 ), my written consent is needed to furnish a consumer report about me. I did not give XXXX XXXX and XXXX permission to pull my credit on XX/XX/2022 and they did not have the lawful authority to report to a non affiliated third party my nonpublic personal information. On XX/XX/2022 the credit card account was opened and reported to to the credit reporting agencies without my written consent. No consent due to non disclosure is not lawful authority. No consent is aggravated identity theft. It is my right to a fair and equitable credit report. Pursuant 15 usc 1681 ( b ), Im aware that under the Gramm-Leach-Bliley Financial Protection Act ( 15 USC 6802 ) my nonpublic personal information should not have been disclosed to any non affiliated third party ( Credit Reporting Agency ) without my lawful consent. 

Furthermore, the agent told me that I was only approved for a credit limited for {$630.00}. I then told the agent and her manager that, that I have already accepted the credit limit of {$2000.00} on the date that I extended my credit on the initial consumer credit transaction in XXXXXXXX XXXX They then told me that there is no application in the system for that limit. This is a breach of their fiduciary duty. 

See attachments showing proof that : 1. I entered into the transaction in XXXX. 
2. The XX/XX/2022 letter states in order to complete your request proof that an application was accepted in XXXX. 
3. The original credit limit I was approved for which is {$2000.00}. 
4. Credit report showing the date open which is incorrect, fraud, and proof that they ran my report again on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
A ( multi-year old ) Ally XXXX  account reappeared on my banking website. This occurred XXXX  months ago, and I have called the company dozens of times in the hopes of a resolution. 

I have been escalated and transferred between 15 departments. Each area claiming the resolution is either on the way or being looked into. The latest update was a support ticket with their IT department which has not been seen/worked on by anyone for the last 3 and half weeks. 

I'm deeply concerned how a closed account was reopened without my acknowledgement/consent and the completely inaction of Ally XXXX to remedy the situation.

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 2022-08-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted 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 2022-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Lender advised us to do a spousal consolidation loan. We do not qualify for any type of forgiveness due to the spousal consolidation. We both work in XXXX and are unable to qualify for the XXXX  forgiveness as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I was looking to buy a ticket for a concert as it had sold out on XXXX. A user ( XXXX ) reached out to me on XXXX about selling me their ticket. I was apprehensive but agreed to pay {$20.00} of the {$30.00} prior to recieving the ticket and the remaining {$10.00} after. I sent the money to their Zelle email ( XXXX ). They responded with a very clearly manufactured screenshot that claimed that the amount had been refunded to me due to an error. The user asked me to send the amount again. At that point, I challenged the fraudulence, and they stopped replying. I've already reported them to XXXX. I went on XXXX  XXXX XXXX to dispute the charge, but the bank claimed that no charges on my account were eligible. I tried calling next but I couldn't even get ahold of a real agent ( stuck with the automated machine ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Its old debt and old late payments shouldnt matter

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 2022-08-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After making a dispute with TransUnion with CFPB ( XXXX ) and clearly showing evidence ( from the findings of a governmental agency ) of a discrepancy of the amount the buyer ( XXXX  ) and the seller ( XXXX ) claimed as the sale price of my loan AND also showing clear evidence of other defects of the alleged transfer AND while no party has furnished an actual bill of sale showing the amount of transfer, TransUnion is still showing my student loans on my report after their investigation. 

I have sent written evidence from a governmental agency that shows a factual discrepancy about the amount of the loan : a discrepancy about the amount of transfer. XXXX has not sent evidence of the actual amount that the loan was transferred for, and I have a right under FCRA to a credit report that is 100 % accurate.

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 2022-08-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted 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 2022-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Tesla, Inc.
State: CA

Complaint narrative:
Tesla company provided extremely high pressure time frame and I was unable to shop for auto loan. Sales rep called over phone and provided high interest loan but was able to discount 2.25 % and asked if rates ok. I asked to see financial document but he said he accepted on my behalf. I still havent seen my loan document nor agreed to loan or signed. I feel Im not alone and plenty others are going through same. How can a bank give me loan without my approval or consent or signature. This is highly irregular. Please investigate the practice. Consumers are held with threat of order cancellations after waiting for over 7-9 months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TN

Complaint narrative:
I did not authorize any credit inquiry from these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TN

Complaint narrative:
I did not authorize any credit inquiry from these companies

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 2022-08-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have a ffelp loan through Navient whom it states is Navient federal loan trust implying this is a federal loan under a federal trust. They talked me into forbearance for a year from XXXX to XXXX. They used sales tactics to allow for this forbearance and they have been sued by 38 states for such business tactics. The loan was originally under sallie Mae and unbeknownst to me was them privatized by Navient. This XXXX will be 20 years paying on this loan and I feel deceived thinking this was a federal loan, it was ok way back then to not make payments while interest accrued and I was talked into a 30 year loan like it was a great plan. Now Im reading that this type of loan will not be part of Bidens plan to forgive {$10000.00}. What options do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted Ally Financial who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the Ally Financial inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,

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 2022-08-28 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: GA

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. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXXXXXX XXXX account # XXXX has violated my rights XXXX XXXX XXXXXXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : XXXX XXXX has violated my rights 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 1681 c. ( 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 conviction 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 related to a 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