vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act the below accounts, have violated my rights. 

XXXX  Account # XXXX XXXX XXXX # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account 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 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I signed a contract with XXXX XXXX XXXX XXXX on XX/XX/2021. Claimant used the right to recind contract on XXXXXXXX see proof through email. This collector has continued to list this collection on my consumer report and attempt to collect a debt which DOES NOT exist although I've advised them multiple times.

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 2022-08-10 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: Upstart Holdings, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CA

Complaint narrative:
I have been demanding to have these accounts removed with XXXX and experian, and they refused to do so. I have been in communication with XXXX and experian, they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf. They did not respect my rights to privacy, nor did the have any written instructions from me pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ). Please see the following XXXX accounts 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 credit ADDRESSES THERE SHOULD ONLY BE XXXX XXXX XXXX XXXX XXXX XXXX ALL PHONE NUMBERS- EXPERIAN ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX card ADRESS THERE Should only be XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX NAMES Should only be XXXX XXXX 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 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase sent XXXX XXXX XXXX a letter on XX/XX/2022 offering to pay less than the unpaid balance on a closed account ending in XXXX I am his Power of Attorney, I've attempted multiple times, faxed them the POA XXXX - gone into a branch- and still can't give them a check for the requested {$5100.00} I was told I had 30 days to do this. 
I got the document late- because of mail forwarding. 
XXXX XXXX is incarcerated. 
I used this POA to sell his home. 
I am attempting to clear accounts- they say if I pay- they will notify credit reporting agencies that it's paid - not delinquent. 
The branch person was the most helpful- XXXX XXXX XXXX All the phone calls have been absolutely worthless. 
I've spent over 5 hours at this point trying to resolve this. 
I've never had a problem paying off a debt for someone else. 
This is unacceptable. I offered a wire, a Money Order, bank transfer, certified check- even cash. 
This is why consumers need the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
Had a previous account with Conns. Fell behind on monthly payments in XXXX. Was then offered a Settlement Offer of {$430.00} to pay it off and it would close the account. I made two payments each month until XXXX. I assumed my account was good and closed, but never received a deletion letter as promised. I called Conns Customer Service and found out one payment in the payment plan did not process for some reason so it opened up a new settlement all over. I talked to a supervisor and got one last payment approved and if paid, it would be paid, in good standing and closed. I made that last payment in XXXX XXXX. I waited XXXX days to get a deletion letter and checked my credit regularly. When I had gotten nothing, i then called again and talked to a supervisor who stated the previous representative that took that payment input a number incorrectly, meaning the payment was never made and it " automatically canceled out my settlement offer ''. I argued how that wasn't right and talked to another supervisor who approved the last remaining payment be accepted then and there over the phone. It processed as debit and was reassured " that my account was FINALLY paid off and closed and it should take XXXX days to update and report on my credit. '' TO THIS DAY, it still shows as account open, charged off with a balance which is inaccurate. I have the bank statements showing the payments made as promised. 
I have disputed it several times through XXXX, XXXX and XXXX to which Conns FALSELY verified the information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Issues : ( 1 ) Truist Bank has yet to close the HELOC that belonged to my deceased husband as promised, and ( 2 ) Truist Banks behavior is abusive.

Description : My husband opened a HELOC with SunTrust now Truist Bank in his name only, and on property that was owned by us jointly. My husband passed away on XX/XX/2021. My husband never made a draw on the account and owed no fees. I dropped off a copy of the death certificate with the branch shortly after my husband passed away. I was present when XXXX XXXX, XXXX ( Senior Relationship Banker ) faxed a copy of the death certificate to Truist Banks consumer loans department. I later mailed and faxed a copy of the death certificate to Truist Bank. Truist Bank has never acknowledged my husbands death. 

Truist Bank provided conflicting information about this HELOC. Truist Bank told me that it needed to add me as a so-signor to the HELOC. I questioned this claim. I called both the direct line for consumer loans, and I called and visited the branch. As a result of these calls and visits, Truist Bank promised last fall that it would close the account. However, I learned this spring that it had not done so. As a result, I visited the branch again and was told by XXXX XXXX ( Branch Leader ) that I needed to complete several forms before Truist Bank could close the account. XXXX XXXX assured me that the account would be closed. Yet several weeks after my visit to the branch and despite assurances that it would soon close the account, Truist Bank force-placed insurance on my home and sent an invoice for {$1700.00} to my deceased husband. 

I am an XXXX woman. This matter has caused a significant amount of stress. As a result of Truist Banks behavior, I spent hours trying to resolve this matter. I want Truist Bank to remove the force-placed insurance, remove any liens, remove all liability, waive any charges, and close this HELOC.

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 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I sent a request to Source Receivables Management to provide proof of the collection bill they sent me for {$1200.00} with an itemized breakdown of how they came to this amount, and they failed to do so. This bill is negatively affecting and my life and credit, and it needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have inquiries that I have no idea where they came from. My credit report shows multiple credit pulls for my score, but I shouldn't have anything pulled. I haven't applied for anything new. 

In accordance with the fair credit Reporting act my rights have been violated. 

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

15 USC 1861 Section 604A 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 a 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 2022-08-10 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: TX

Complaint narrative:
I have inquiries that I have no idea where they came from. My credit report shows multiple credit pulls for my score, but I shouldn't have anything pulled. I haven't applied for anything new. 

In accordance with the fair credit Reporting act my rights have been violated. 

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

15 USC 1861 Section 604A 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 a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did not consent to, authorize nor benefit from the following Accounts or Inquiries. XXXX and remove them. 
( 1. ) XXXX XXXX # XXXX ( 2. ) XXXX XXXX XXXX. ( 3. ) XXXX # XXXX. ( 4. ) XXXX XXXX. ( 5. ) XXXX # XXXX. ( 6. ) XXXX XXXX # XXXX. ( 7. ) XXXX XXXX XX/XX/2022 ( 8. ) XXXX XXXX XX/XX/2022 ( 9. ) XXXX XXXX XX/XX/2022 ( 10. ) XXXX XXXX XX/XX/2022. 
Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

TRANSUNION IS PRACTICING UNFAIR CREDIT REPORTING METHODS BY REPORTING INACCURATE INFORMATION IN MY CREDIT FILE.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

TRANSUNION IS AN ELABORATE MECHANISM AND IS VIOLATING MY RIGHT TO PRIVACY AS THE CONSUMER.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

TRANSUNION HAS ASSUMED THE ROLE OF ASSEMBLING AND EVALUATING MY CONSUMER INFORMATION WITHOUT MY CONSENT ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
TRANSUNION WAS UNFAIR, IMPARTIAL AND HAS NOT SHOWN RESPECT TO MY RIGHT TO PRIVACY.

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 2022-08-10 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I called a company by the name of CHRYSLER CAPITAL who placed and inquiry on my consumers report. The number I call was ( XXXX ) XXXX it was an invalid number. I then called XXXX to have the inquiry removed but they rejected me and told me to call the company to have the send a letter stating they will remove it. 

The inquiry was dated on XX/XX/XXXX by CHRYSLER CAPITAL I have no business or account with this company and Ive never applied for anything with them. I will attach my consumers report highlighting the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I submitted one payment to be applied on XX/XX/2022. Two payments were applied and taken from my checking account. Called company. I was told there was a problem with their web site. On XX/XX/2022 another payment was applied and taken from my checking account UNAUTHORIZED. I called her as told this was happening to multiple people. Again on XX/XX/2022 another payment is as attempting to be applied UNAUTHORIZED and I have yet to get my money returned or an explanation as to why this is happening. XX/XX/2022 they attempted again UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
Our mortgage loan was transferred from XXXX XXXX XXXX to Gregory Funding in XXXX of XXXX. We had a forbearance in place with XXXX due to loss of income from a XXXX diagnosis. Gregory Funding has been awful. They are not recognizing the forbearance that was in place. They continue to charge us late fees every month. We have tried to refinance to stop using them and also to lower our interest rate which is 8.5 %. Through a Broker we are trying to refinancing with and XXXX they have both told me to contact you since something is not right with this Gregory Funding. The broker we are trying to use has had to try and get information from Gregory Funding because they show no payment history on our credit report and state to the new broker we are trying to use that we have been late for 13 months-on all payments, when we have not. Gregory Funding is just are not recognizing the forbearance. We are afraid of losing our house. I have caught us up on payments except for the 3 months of forbearance. The new servicer, Gregory Funding will not recognize the forbearance, so that we can move forward with re-financing our home. We can not afford our monthly payments so high and we are fearful of our home going into foreclosure. We have a lot of equity and our credit is fair, so we should be able to refinance if Gregory Funding would get their paperwork straight and acknowledge the forbearance. Gregory Funding has continued to tell us to reapply for a modification, but every time we do, they say the application is not complete and the process starts over every 30 days when all the paperwork is not " submitted within 30 days. '' The customer service department has even said on the phone the application is correct, their department which handles the paperwork says it is not. We are so frustrated. It is just not right and have no recourse. 

When we were with XXXX they gave me a " verbal '' loan modification where the forbearance would be put on the end of loan and interest would be reduced, etc. Sadly, I did not get this in writing since the loan was transferred during this same time. 

We need help and I have no where to turn. Hoping you can help us somehow?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TX

Complaint narrative:
I have inquiries that I have no idea where they came from. My credit report shows multiple credit pulls for my score, but I shouldn't have anything pulled. I haven't applied for anything new. 

In accordance with the fair credit Reporting act my rights have been violated. 

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

15 USC 1861 Section 604A 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 a 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 2022-08-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
back in XXXX  i sent letters to all three credit reporting agency that I was a victim of ID theft all negative items i wanted removed from my credit with no avail, so I am submitting a letter from the Irs cementing that fact so I am you to ask to remove said items from credit reports

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 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act the below accounts, have violated my rights. 

XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account 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 2022-08-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act the below accounts, have violated my rights. 

XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had filed a dispute for a charge of {$110.00}. Chime issued a provisional credit for the amount. On XX/XX/2022 I showed a debit for the same amount by the same company. Called chime and reported it. Nobody could give me an answer as to who, why or where this charge came from. This charge left my account negative. Today, I finally am told that that was supposed to be credit to my account and not a charge? I waz told they made a mistake. 

How do you mistake a credit from a debit? I don't need mistakes of {$110.00} being made with my money! I had payments bouncing and it causes many problems. 

This isn't the first time chime has screwed up my account. Something needs to be done to this place for what they do! 

I am now told that they will escalate this situation to get it straightened out. 

I've been told this since I first reported the problem on the XXXX!

Company response to consumer: Closed with explanation