vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am writing to request your assistance in addressing a matter of great importance related to my credit report. I am currently facing challenges due to the unfortunate death of a family member, which has impacted my ability to meet financial obligations on time. I am seeking a goodwill gesture from your company to remove the late dates and negative status associated with the following accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$3600.00}. I understand the importance of maintaining a positive credit history, and I have been a responsible borrower in the past. However, the recent circumstances have created unexpected challenges for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: PA

Complaint narrative:
Experian is reporting an account I did not authorize on my credit. I also gave them a police report. I asked how this happened and they gave me no answer. They said that they would do an investigation and that it would take 30 days. It has been beyond 45 days and I have not receive anything. This is illegal and against Fair Credit Reporting Act. Please remove the accounts below. 

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My wallet and phone was pick pocketed on the early morning of XX/XX/2023. The wallet contained my debit card along with social security card and driver 's license. My debit cards were all used at the Wells XXXX  ATM in XXXX XXXXXXXX, CA. The person that stole the items changed the password on the account using the phone to access the bank app then proceeded to call the bank to change the pin on the debit card. They used the information in the wallet and account as well as the phone number to do the two step authentication and successfully changed the pin. They proceeded to use the Wells Fargo issued debit card at Wells Fargo XXXX XXXX multiple times. Overdrawing the account by {$350.00}. The charges and transactions occured according to the bank app notifications around XXXX XXXX  and continued until they began denying at approximately XXXX XXXX XXXX  XX/XX/XXXX at approximately XXXX when I could access a phone I called to process a theft claim. They responded that a credit would be issued until the investigation was complete and id receive a call or email asking for police information and further details. I never received a credit instead they threatened to close the account unless I covered the overdraft then 10 days pass and I had to call only to be told they denied the claim. The representative said they couldn't do anything because the ATM cameras aren't proof that I didn't make the transaction. I was then advised that no one listened to the call that was made to verify if in fact it was me that called and made the changes to the account. I contact the executive offices and explained to them the situation and got the same response. No phone call. No follow up. Just an email stating that nothing they could do and that they don't believe it was fraud. I emailed them the police report. I told them the time frames of everything. Informed them of the items the thieves had to access my information and still got the same response.

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 2024-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX Called tonight again. 

Synchrony Bank Discrimination - I am confused because as I near the end and paying off 3 accounts, they decided to close my account. I have never been late and the XXXX Customer Service agent just told me, they closed it because they THOUGHT that I might not pay although the accounts are under {$55.00} for XXXX, {$390.00} for XXXX XXXX and {$0.00} for XXXX XXXX XXXX. She said they closed my XXXX and XXXX based on my credit saying I might be a risk. I have had the accounts XXXX years and never late, some months pay more. I was to use XXXX to help son and that started me finding out they closed it. I am baffled. Please assist. 

I went into XXXX on XXXX XX/XX/XXXX to pay off account and the sales lady asked me why I closed it? I didn't I replied ( cursed ) and told her I just found out Synchrony closed my American Signature account and was waiting until after the holidays about it. I was baffled as I wanted to use the credit to get something for my son. 

I feel like they are discriminating against me based on my area, race, and what a projected AI told them I might be late or not pay because of high usage because I bought appliances, but everything was being paid on time for over 2 years with them and never late. 

They should be able to think a crystal ball is telling them my future based on what the AI projection said. They should look at my on-time payments and communication with them since we started our credit relationship. PERIOD!

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 2024-01-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
O sent a letter of dispute filling for a charge back visa chargback XXXX fraud n they keep denying it I've recently been a victim of fraud it's a charge for XXXX on XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit has filed a law suite and was awarded judgement over a debt I knew nothing about. This debt is well over XXXX years old and is against the fair debt collection act. I answered to the complaint in XXXX XXXX court on line and no new court date was issued. I was not aware of the court at that time. I was served with a garnishment on this debt that is very much over XXXX XXXX XXXX that I did not cause. Again this has past a statue of limitation per Georgia law. The collection agency Midland Credit only had XXXX years by Georgia law and now causing to infringe on the fair debt collect act. Something needs to be done on judges in XXXX XXXX for not enforcing these laws. I would like to file a suite against midland credit XXXX XXXX and XXXX XXXX ga for infringing on my rights to the fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 2024-01-05 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: MD

Complaint narrative:
Upon reviewing my latest consumer report furnished by Equifax. Your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates. 
You are in violation of the FCRA Permissible Purposes, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
Pursuant to the Fair Credit Reporting Act, makes it clear that a consumer reporting agency EQUIFAX INC in accordance of 15 USC 1681c-2 Block of information resulting from identity theft ( a ) a consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to bring to your attention that the disputed items on my credit report are a result of identity theft, and this issue has been promptly addressed by other credit reporting agencies. Other bureaus have acknowledged the fraudulent nature of these accounts and have taken the necessary steps to remove them from their reporting. 
XXXX XXXX XXXX XXXX- PLEASE DELETE!!! TU have already removed this account from their records. 
XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
I insist that you promptly investigate this matter and remove the fraudulent accounts from my credit report. I believe that the law requires you to act in accordance with the FCRA, and I am hopeful that your agency will fulfil its legal obligations in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: MOHELA
State: CT

Complaint narrative:
I erroneously made a lump sum payment of {$13000.00} on XX/XX/XXXX to MOHELA at the restart of loan repayment. Despite not receiving a billing statement delivered ahead of XX/XX/XXXX, and without time or information to enroll in the XXXX plan. I have tried calling multiple times to refund this payment and have had extreme difficulty getting any clarity on its status. Because I did not receive this statement on time, and because I did not have proper notice about my XXXX options, I believe I should be refunded. My loans were transferred from XXXX XXXX to XXXX to MOHELA within less than a year, adding to the confusion. 

In trying to fix this issue, we have asked multiple times to be put on forbearance. Most recently, we were explicitly told over the phone that our account had been placed on forbearance by XXXX ( XXXX ID XXXX ) on XX/XX/XXXX however we have continued to receive billing statements and late notices for XXXX and XXXX. Please see detailed timeline attached as pdf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I contacted the following credit bureaus, XXXX, and XXXX, by United States Certified Mail. I filed a dispute that while reviewing my consumer reports, I saw that inaccurate information was being reported in violation of Federal law 15 U.S. CODE 1681 e Compliance of procedures ( b ) Accuracy of report state that 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 elates to. I disputed this information, I then received a response stating that the item remained unchanged from there processing of my dispute in XXXX of XXXX. On XX/XX/2023 I contacted these companies and filed another dispute requested there method of verification they claimed that the creditor that reported this account verified this inaccurate information, and as a result these companies used this as a method of verification and verified this information on my consumer report. I then requested that XXXX and XXXX follow suite like XXXX XXXX, and Equifax and delete this inaccurate information. On XX/XX/2023 I received a response from XXXX in this response they state under public records that the company that reported the information has certified to XXXX that the information is accurate. They also state that this item was not changed as a result of the processing of this dispute. I would like to state that I have received a certified letter from the UNITED STATES BANKRUPTCY COURT OFFICE OF THE CLERK SOUTHERN DISTRICT OF FLORIDA, IN THIS CERTIFIE DOCUMENT THE GOVERNMENT clearly state that the bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies... With this being said I am requesting that this inaccurate information be deleted immediately since in this case the Bankruptcy court is the creditor and they have provided me with a certified document stating that they have provided no such information. XXXX And XXXX are in violation of federal law and this account must be deleted immediately based on Federal LAW 15 U.S. CODE 1681 e Compliance of procedures ( b ) Acccuracy of Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I contacted the following credit bureaus, Experian, and XXXX, by United States Certified Mail. I filed a dispute that while reviewing my consumer reports, I saw that inaccurate information was being reported in violation of Federal law 15 U.S. CODE 1681 e Compliance of procedures ( b ) Accuracy of report state that 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 elates to. I disputed this information, I then received a response stating that the item remained unchanged from there processing of my dispute in XXXX of XXXX. On XX/XX/2023 I contacted these companies and filed another dispute requested there method of verification they claimed that the creditor that reported this account verified this inaccurate information, and as a result these companies used this as a method of verification and verified this information on my consumer report. I then requested that Experian and XXXX follow suite like XXXX XXXX, and XXXX and delete this inaccurate information. On XX/XX/2023 I received a response from Experian in this response they state under public records that the company that reported the information has certified to Experian that the information is accurate. They also state that this item was not changed as a result of the processing of this dispute. I would like to state that I have received a certified letter from the UNITED STATES BANKRUPTCY COURT OFFICE OF THE CLERK SOUTHERN DISTRICT OF FLORIDA, IN THIS CERTIFIE DOCUMENT THE GOVERNMENT clearly state that the bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies... With this being said I am requesting that this inaccurate information be deleted immediately since in this case the Bankruptcy court is the creditor and they have provided me with a certified document stating that they have provided no such information. Experian And XXXX are in violation of federal law and this account must be deleted immediately based on Federal LAW 15 U.S. CODE 1681 e Compliance of procedures ( b ) Acccuracy of 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 explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There has been a big major issue with Paypal synchrony bank issued credit cards. There has been a big major issue with PayPal synchrony bank issued credit cards for some reason. I feel like it's fraud or a scam with them. There are numerous complaints of this happening to people. Ive always had automatic payment set up for my credit card billing. All of a sudden suddenly my payment was deleted from Paypal and not there anymore on my PayPal account they said that they couldnt take my payment which was false because my payment was. I have synchrony bank cards and all of them had the same issue during XXXX called them explain this to them lady was rude first said my payment was returned which was a lie than I was told Paypal wouldn't let the payment go through I asked them to fix this issue due to multiple of my accounts from them has this Same issue they were XXXX hung up and told me call Paypal. Meanwhile I have never been late and this has effected my credit. So I researched this and many people are saying the same issues has been happening with Paypal and synchrony for over a year. This complete fraud that they are doing this to people and making them pay fees and ruining credit for there mistakes within. This needs to be investigated XXXX  of people have complained about this scam. Please help and investigate.

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 2024-01-05 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: UMB FINANCIAL CORPORATION
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 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 UMB- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UMB- 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 2024-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX  ( Comenity Capital Bank ) Unethical late fee charges. I receive the statement on XX/XX/XXXX - I mail payment XX/XX/XXXX. They dont post it until XX/XX/XXXX & charge me a late fee of {$41.00}. ( their cut off date was XX/XX/XXXX ) This is the 2nd time this has occurred within the last year. 
I called to see if they could reverse the fee as other card companies have done in past - especially since the mail is even slower during holidays & they refused. I explained that according to my bank the payment should have arrived on XX/XX/XXXX before the XX/XX/XXXX cut off date. I even spoke with a supervisor XX/XX/XXXX at XXXX XXXX  central time. Explained everything and he would not reverse late fee. 

I just received a new statement today XXXX which they claimed to have mailed XXXX which took 9 days to arrive at my residence. 
If I pay it today, according to my bank bill pay account it should arrive by XX/XX/XXXX. The due date is XX/XX/XXXX. 

This is the only card company that this occurs with and they do not work with consumers due to circumstances beyond their control- such as mail service, the company statement mail date which have a bearing on when payments are received. Bank generated checks are very accurate in determining checks arrival dates.

Company response to consumer: Closed with explanation