vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Subject : Formal Request for Resolution Regarding Billing Discrepancy and Suspected Securities-Related Activity Dear Care Credit Customer Service , I trust this message finds you well. I am writing to address a pressing concern regarding my Care Credit account, specifically a persistent billing discrepancy where statements consistently reflect a positive balance, even when there is an outstanding balance on the account. 

I wish to draw attention to federal regulations, particularly 15 U.S.C. 1666 ( b ), which expressly prohibits the reporting of late payments under any circumstances, even when payments are submitted on time. This provision underscores the importance of accurate reporting practices. Concerns arise as it appears that reasonable procedures to verify the receipt of billing statements have not been adequately adopted. 

Furthermore, the absence of a robust system to confirm the receipt of billing statements raises questions about compliance with federal laws, including 15 U.S.C. 1611 ( 1 ), which prohibits creditors from furnishing false or inaccurate information. Any billing discrepancy contributing to a misrepresentation of my financial status may potentially breach this crucial provision. 

In addition to the billing concerns, I wish to address suspicions of a discrepancy in securities-related activity. The observed discrepancy between the reported positive balance and the actual outstanding balance raises concerns about potential securities fraud. This raises ethical and legal concerns, as engaging in such activities could have serious implications. 

I respectfully request the following actions to address these concerns : 1. **Thorough Investigation into Billing Discrepancy : ** Conduct a comprehensive examination into the billing discrepancy, rectifying any inaccuracies to accurately reflect the current balance. 
2. **Transparency Regarding Securities Trading : ** Provide a detailed explanation of any securities trading related to my account and clarify how it may impact my rights to the security interest. 
3. **Update Account Status to " Paid as Agreed '' : ** Request an immediate update of my account status to " Paid as Agreed '' to reflect the accurate payment history. 

It is my sincere hope that these matters can be addressed promptly and transparently to ensure compliance with applicable federal laws and regulations. 

Your attention to these concerns is highly appreciated, and I trust Care Credit will take the necessary steps to rectify any potential inaccuracies, provide clarity on the observed billing and securities-related issues, and promptly update my account status as requested. 

Thank you for your prompt attention to 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 2024-01-29 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-29 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-01-29 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: TX

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 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 non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
ticket # XXXX Prosper has blocked my card and account, and upon calling and speaking with representative XXXX, I was told theres a security hold due to suspicious activity. Ive barely used the card and have only attempted to add my card to XXXX XXXX. Over the past few months of having the card, Ive experienced countless issues, from my credit limit being cut in half out of nowhere to card blocks after transaction attempts. Im now being told a ticket had to be submitted to an internal team and I will hear back within 24-48 hours. These are ridiculous and unethical business practices from Prosper. I need my card and account reinstated 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 2024-01-29 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: MI

Complaint narrative:
Subject : Urgent Redressal Required : FCRA and Privacy Violations by CRAs and Financial Entities Dear Consumer Financial Protection Bureau, I am writing to seek immediate intervention and redressal for serious breaches of the Fair Credit Reporting Act ( FCRA ) and privacy laws by XXXX, TransUnion, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entities have egregiously violated my consumer rights and federal laws, specifically under 15 USC 1681a 2 ( A ) i ) and 15 U.S. Code 6802.

FCRA Violations by Credit Reporting Agencies : XXXX, TransUnion, and XXXX have failed in their duty to ensure accurate and legal reporting of consumer credit information. This is evident in their handling of unauthorized transactions reported by XXXXXXXX XXXX ( Account Number : XXXX ) and the reporting of a debt sold by XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. These actions directly contravene the stipulations of the FCRA, which explicitly excludes reports containing information solely about transactions or experiences between the consumer and the person making the report. 

Illegal Disclosure of Personal Information : Furthermore, the actions of XXXXXXXX XXXX and XXXX XXXX in disclosing my personal and financial information without my consent or proper notice is a clear violation of 15 U.S. Code 6802. This breach of privacy laws is compounded by the CRAs ' failure to prevent such disclosures from affecting my consumer reports. 

Demand for Immediate Corrective Action : In light of these violations, I, XXXX XXXX, demand that XXXX, TransUnion, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX take immediate steps to block and delete all inaccurate and unauthorized information from my consumer reports. This action is imperative to comply with the FCRA and protect my legal rights. 

Request for Full Investigation and Compliance : I urge the CFPB to conduct a thorough investigation into these matters. It is essential that these entities not only rectify the current violations but also implement measures to prevent future breaches of consumer protection laws. 

Expectation of Prompt and Lawful Response : As a consumer, I expect a swift and lawful response from all entities involved. The adherence to federal statutes and the protection of consumer rights should be the utmost priority for these organizations. 

Thank you for your attention to this urgent matter. I trust in the Consumer Financial Protection Bureau 's commitment to enforcing consumer rights and anticipate a prompt and effective resolution. 

Sincerely, 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 2024-01-29 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: M&T BANK CORPORATION
State: IN

Complaint narrative:
XXXX is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX  is reporting M & T bank on my report. Also, they have failed to provide my accurate and Only information on my report. again my only name is the showed above and i have provided legal documents showing my one and only name along with my one and only address. they have 3 different names on my report and neither names match the name provided my M & T bank. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I have opened a new Bank of America business checking account through a promotion link in the special offers and deals section of my accounts dashboard ( when logged in ). Based on my notes, the promotion code in the application was automatically populated as XXXX. The terms of the offer were that I would receive {$1000.00} bonus when I open a new business checking account and complete the following requirements : - Make Qualifying Deposits of {$30000.00} or more in new money within 30 days of opening the new business checking account - Maintain an average balance of {$30000.00} or more for next 60 days ( day 31-90 ) during the maintenance period I've made the deposit of {$30000.00} on XX/XX/XXXX and have maintained this balance through XX/XX/XXXX. I have met the terms of the offer, but have not received the {$1000.00} bonus as advertised for meeting the requirements. 

On XX/XX/XXXX, Bank of America had indicated that the promotion code that was auto applied was expired and therefore not valid. The promotion code was auto-populated when I've applied for a new business checking account through the special offers section of my Bank of America dashboard XXXX I've attached a photo that shows the promotion on my desktop when opened as well as the date of XX/XX/XXXX. The invalid code auto-populating seems to be an issue with B of A IT and shouldn't be the customer 's problem as I've applied for a promotion through a valid link and have fulfilled all of the terms.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TN

Complaint narrative:
EdFinancial Services is reporting to all of the credit bureaus that I am late on my payments. I have email proof along with statements inside the Edfinancial Services customer portal showing that my balance due is currently {$0.00}, and has been that way since XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for a CareCredit account in XX/XX/2022 and work with Synchrony Bank. I have had close to $ XXXX {$6000.00} in total transactions and have paid at least $ XXXX {$4500.00} in payment year-to-date. I have been on autopay and when checking my account, I now owe {$7900.00} after paying consistently for almost two years which would be {$13000.00} total. That is more than double than the transactions made on the card. There were {$1400.00} applied in fees for a Payment Security program that their customer service rep admitted that people often opt-in unknowingly. They were willing to remove {$1200.00} from the account which leaves me at $ XXXX that I still now owe. I reached out to their general customer service and they stated that they would not remove the interest applied in XXXX. They stated that there are " 4 promotions '' that were applied to my account which ended then. However, based on my payments, I had paid two of them off in time for no interest to be charged. The supervisor then told me that my payments were not being applied to the first two promotions and only for the other two. Might I mention that the promotions that the money is going towards were for two transactions that took place after the first two transactions. Therefore, they are applying my money in ways that financially gain them in the best way without asking for clear consent. They stated that I would have had to call and manually reach out for the funds to be distributed properly. Ultimately, this led to $ XXXX interest in XXXX alone. I tried to find a resolution to remove the largest interest charge, but they refused to work with me. I have been on hold for an hour. I spoken with 4 representatives now. This is not the only thing I have heard about this bank raising interest charges and sneaking opt-ins for their financial gain without the consumer knowing. It's at the bottom of the electronic statement about the " promotions ''. They know people are applying for care credit cards in times of emergency and know they are scamming people. It is spoken about over many forums and this bank should be investigated, if not already. A fair resolution would be to remove previous interest charges for neglecting to apply money towards transactions that happened before others. This would be at least {$2000.00} in interest charges and would bring my balance to the justified amount. They change their terms in order apply money to places for their financial gain. My money is being applied to charges that were already paid for but instead, I would have to manually call in order for my money to be distributed correctly. I am willing to pay for what I spent and some interest, but a bank being this sneaky with their fees and interests charge methods needs to make this right!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Provided a complaint in writing and requested a written response. Bank of America will not respond to my complaint in writing, they refuse. There is no way to know how many complaints they receive if they fail to document receipt of complaints and responses.

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 2024-01-29 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: AZ

Complaint narrative:
1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them. 
2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

I demand immediate blocks and future blocks from all these items that are on the FTC affidavit XXXX XXXX XXXX accnt # XXXX XXXX XXXX  XXXX accnt # XXXX XXXX XXXX XXXX XXXX all fraud account and inquries

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XXXX, I opened a US Bank Business Checking " Silver '' account. I did so because I was seeking a new business checking account, and because US Bank was running an attractive promotion for business checking accounts at the time.

To fulfill the requirements of the promotion, I deposited {$15000.00} into the account on XXXX, and withdrew the {$15000.00} from the account on XXXX. ( As a result, in accordance with the terms of the promotion, I made " new deposit ( s ) of at least {$15000.00} in new money deposits ( Direct Deposits, ATM/Branch Deposits, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and thereafter maintain a balance of at least {$15000.00} until the XXXX day after account opening. '' To this day, my account has remained open and with a positive balance. 

To date, US Bank has not deposited the {$750.00} promotion into my account, despite me fulfilling all of the terms listed in their promotion at the time. 

I have reached out to US Bank customer service on several occasions via phone ( I do not recall the exact dates of these calls ), and they told me that I didn't include the promotional code in my application. However, I have a screenshot of my application that I took during the time of my application showing the code ( " XXXX '' ) applied and entered into the appropriate field. I have not heard back from customer service since sending this information over to their customer service email, as per their request. 

On XXXX, I contacted the closest US Bank branch via phone and explained the situation. I forwarded the aforementioned screenshot via email ( as per their request ) and waited to hear back. 

I followed up with the closest US Bank branch via email on XXXX. I received a reply, saying in part " [ management is ] actively looking into this. Since it is an expired promotion, it is taking some time to get results. '' I followed up once more with the same branch via email on XXXX, and have yet to hear back. 

I possess the screenshot of the promotional code applied to my application ; the terms of the " XXXX '' promotion that state the promotion being valid through XXXX ; and the email correspondance pertaining to my communication with the branch thus far. I am willing and able to provide these documents if needed.

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