vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: IL

Complaint narrative:
I received an electronic response to the debt validation letter from the the corporate office of XXXX XXXX XXXX XXXX, I was also sent the Original XXXX contract. I was called by an agent and I was told that I would not receive any of these documents via registered or certified mail and that I was not eligible for refinancing because XXXX XXXX does not refinance any of their contracts. Again I assert that this information was not provided to me in the terms of the vehicle purchase. I have paid {$24000.00} on a vehicle that was originally priced at {$12000.00} under the guise that I would own the car in two to three years. I have attempted several times to speak with this company, and I have gotten called a XXXX XXXX and XXXX, which I find defamatory and seek punitive damages instead of the runaround. The debt validation electronic letter was sent on XX/XX/2024. I do not wish to receive any defamatory correspondence from this company and I am filing a lawsuit. I need a fair resolution to this situation to avoid litigation. I will continue to view my options under the Truth in Lending Act and the UCC codes. This is a blatant violation my rights as a private citizen.

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 2024-03-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received an electronic response to the debt validation letter from the the corporate office of XXXX XXXX XXXX XXXX, I was also sent the Original XXXX contract. I was called by an agent and I was told that I would not receive any of these documents via registered or certified mail and that I was not eligible for refinancing because XXXX XXXX does not refinance any of their contracts. Again I assert that this information was not provided to me in the terms of the vehicle purchase. I have paid {$24000.00} on a vehicle that was originally priced at {$12000.00} under the guise that I would own the car in two to three years. I have attempted several times to speak with this company, and I have gotten called a XXXX XXXX  and XXXX, which I find defamatory and seek punitive damages instead of the runaround. The debt validation electronic letter was sent on XX/XX/2024. I do not wish to receive any defamatory correspondence from this company and I am filing a lawsuit. I need a fair resolution to this situation to avoid litigation. I will continue to view my options under the Truth in Lending Act and the UCC codes. This is a blatant violation my rights as a private citizen.

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 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
As of the present moment, my card holds a negative balance of - {$470.00}. Despite two requests made to Bank of America for a refund, they have yet to process it. It has now been over a month, and I am experiencing considerable difficulty in retrieving my funds.

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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
This company never sent me a letter of the debt I suppose to owe. I fount out about on XXXX XXXX. I reached out to XXXX XXXX they had no account from the date listed on my credit report advised me to dispute with XXXX. I did so I have no knowledge of this account or how it was opened never received a card, notice, or bill from XXXX XXXX XXXXor this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.

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 2024-03-24 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I don't recall having a contractual relationship with this collection company CREDIT COLLECTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-03-24 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.

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 2024-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Hello! I logged into the Wells Fargo banking site today and saw my mortgage account was removed. I have not had any notice of changes from Wells Fargo or a new mortgage company. I called Wells Fargo just a few minutes ago, they said they could not find any account under my name, then they immediately disconnected the call.

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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: FL

Complaint narrative:
XXXX XXXX is messing up my credit report this is a prepaid card not even their Money I requested that my late fees be remove and they have made matters worse they added late fees more to my credit report, I will get a lawyer and.sue you my XXXX XXXX XXXX on XX/XX/23 and I have his death certificate to prove I XXXX XXXX Please remove all of my late marks on my credit report its private and by law is not supposed to be shown. XXXX XXXX XXXX XXXX. Youre messing up my credit. and XX/XX/23 on the account XXXX XXXX and accordance with the fair credit acthas 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. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting so

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is messing up my credit report this is a prepaid card not even their Money I requested that my late fees be remove and they have made matters worse they added late fees more to my credit report, I will get a lawyer and.sue you my XXXX XXXX XXXX on XX/XX/23 and I have his death certificate to prove I XXXX XXXX Please remove all of my late marks on my credit report its private and by law is not supposed to be shown. XXXX XXXX XXXX XXXX. Youre messing up my credit. and XX/XX/23 on the account XXXX XXXX and accordance with the fair credit acthas 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. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is messing up my credit report this is a prepaid card not even their Money I requested that my late fees be remove and they have made matters worse they added late fees more to my credit report, I will get a lawyer and.sue you my XXXX XXXX XXXX on XX/XX/23 and I have his death certificate to prove I XXXX XXXX Please remove all of my late marks on my credit report its private and by law is not supposed to be shown. XXXX XXXX XXXX XXXX. Youre messing up my credit. and XX/XX/23 on the account XXXX XXXX and accordance with the fair credit acthas 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. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting so

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 2024-03-24 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:
Please delete this from my credit report this account is not mine I have no obligation to them XXXX DELETED THIS PLEASE DO THE SAME YOU WONT LET ME DISPUTE THIS ON LINE

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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.

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 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
The loans interest rate is so high its not budging as I pay it ofd. There are these additional insurances on the loan that i think are contributors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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:
Please delete this from my credit report this account is not mine I have no obligation to them XXXX DELETED THIS PLEASE DO THE SAME YOU WONT LET ME DISPUTE THIS ON LINE

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 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/2024, I took out a personal loan of {$890.00} on the app Moneylion. The lender unfairly withheld {$790.00} out {$890.00} in a separate account managed by the lender. Withdrawal of that {$790.00} is restricted until the full amount of loan is repaid. Even though the majority of the loan is not available to me the borrower, I still have to pay interest calculated on the full amount of the loan. In other word, I borrowed {$100.00} but now have to pay interest as if I borrowed {$890.00}. 

Worse still, on XX/XX/2024, the lender denied my access to the app and informed me via email citing unusual activity detected. I provided my state ID and proof of address as requested by the lender but my documents were arbitrarily denied. The same set of documents had been submitted to other financial institutions or government agencies for verification purpose without any rejection or issue of processing. After repeated requests of ID proof from the lender, to each of which I gave the lender exactly what the lender requested, I called the lenders hotline XXXX ( XXXX ) XXXX. I was told that my documents submitted were still being reviewed. 

The lenders customer service representative also confirmed during the conversation on phone that I would not be able to withdraw the {$790.00} unfairly and potentially unlawfully held by the lender even if I repay in full the personal loan amount of {$890.00}. The reason given was that there was no other way to withdraw the money other than going through the app which the company had denied my rightful access. 

The seriousness of this case lies not only in the unfairness of how interest is charged or loan terms is structured, but the unlawfully withholding of my personal property ( {$790.00} ) when the loan is fully repaid. All that I have suffered in the past few weeks have given me reasonable ground to believe that the lender intentionally block my account on its app for the purpose of denying me the rightful withdrawal of my money ( {$790.00} ) which the lender unlawfully withheld in the first place. And by so doing, the lender created a situation that early settlement of the loan would not be in the interest of the borrower and thus inducing the borrower to continue making expensive interest payment ( of APR 300 % if calculated from the {$100.00} principal that I actually received ) from which the lender can derive exorbitant profit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I HAVE TWO CITI CREDIT CARDS WITH CITI ONE IS A CITI XXXX CARD AND THE OTHER IS A CITI XXXX CREDIT CARD. BACK IN XXXX OF LAST YEAR I PUT IN A DISPUTE REGARDIBG MY CREDIT LIMIT ONE CARD CITI HAD A CREDIT LIMIT OF XXXX WITH A CASH ADVANCE AND THE OTHER CREDIT CARD HAD A CREDIT LIMIT OF XXXX ALSO WIWTH A CASH ADVANCE. I WAS GIVEN BACK MY CASH ADVANCE BACK IN LATE XXXX FOR XXXX NO CASH ADVANCE BUT XXXX CASH CARD NO CASH ADVANCE WITH A LOW CREDIT LIMIT THEN EVRY SIX MONTH IT GET REDUCE DOWN. I CALLED TO CITI ABOUT THAT BUT NEVER GET ANSWER OR REPONSE ON WHY ONLY A LETTER. RECENTLY A GOT A COPY OF MY CREDIT REPORT FROM XXXX, XXXX AND XXXX XXXX LOOKING AT MY CITI ACCOUNTS ON MY CREDIT REPORT THE PAYMENTS HISTORY IS NOT ACCURATE, THE BALANCE ON MY CREDIT REPORT IS NOT SHOWING I MADE ANY PAYMENTS TO THE ACCOUNT, ALSO THERE IS NO CREDIT LIMIT LISTED ON SOME ACCOUNT THAT I MADE PAYMENTS ON. I HAVE INCLUDED MY DISPUTE WITH EACH CREDIT BUREA AND I SENT MY DISPUTE WITH MY CREDIT STATEMENTS SHOWING I MADE PAYMENTS TO THE ACCOUNT. THE REASON BEING MY ACCOUNT IS LOW BALANCE, PAYMENT HISTORY, THERE NO HIGH BLNCE LIST ON MY XXXX XXXX CREDIT REPORT, JUST WANT CITI TO GO BACK OVER MY CREDIT REPORT AND UPDATE THE REPORT CORRECTLY,

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