vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am told changing my automatic payment with Wells Fargo is no longer possible with external accounts, so I resorted to manually making payments through their online portal. On XX/XX/2023, I paid the full amount due on my credit card. However, on the same day, Wells Fargo debited my savings account for the minimum payment and an over limit amount. Unfortunately, my non-Wells Fargo savings account did not have enough funds to cover both the full payment and the additional amounts. 

I was informed about this issue on XX/XX/XXXX by my bank where my savings account is held. To resolve the problem, I contacted Wells Fargo via phone and requested either the removal of the minimum payment and principal payment or an adjustment of the amount I initially initiated ( the full statement balance ) to account for the difference between the minimum payment plus over limit amount and the full balance. However, Wells Fargo prohibited me from making any changes to the payment. 

Additionally, when I attempted to add funds from another account on XX/XX/XXXX to avoid interest charges, I was also prohibited from doing so. On XX/XX/XXXX, I called Wells Fargo regarding the interest fee, but my concerns were ignored. No follow-up, email, or correspondence was sent to me regarding the approval, denial, or explanation of the interest charges. 

I will consider this issue resolved when I receive a full refund of the interest charged and when my full credit limit is restored. Currently, I am unable to access my credit line because Wells Fargo requires a letter from my savings account, on bank letterhead, confirming my ownership of the account.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I see the XXXX XXXX XXXX XXXX account is reported late for XX/XX/2022, but the account 's statement is addressed to a different mailing address. Please correct this error by reporting the account as never late/closed.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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:
TransUnion and XXXX, I am disputing the XXXX accounts by XXXX on my account- to have these removed. 

XXXX - {$65.00} XXXX- {$170.00} XXXX- {$27.00} XXXX- {$0.00} Please have these removed as soon as possible. 

Attached to this complaint are : My drivers license My social security card My complaint letter Emails from XXXX to confirm they agree to remove

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 2023-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
My personal information had already been compromised due to cybercrime. I constantly have had to dispute and close different cards with my bank ( which there is proof for ) because every time I open one I see charges I have not made from places I have never been to or companies I have never bought from. This includes my personal email. This too, is compromised. I have tried different things to secure my information on my computer but, someone either has my social security number or for some reason it's easy for them to link my information and no matter how many times I change things, this keeps happening. This I mention in case it's the same situation with the following ; Affirm was an extension someone recommended to try to see if I prequalify for a loan and what would that look like. This was once when I was looking for a flight ticket that I ended up deciding to buy myself like I've always done, I've never taken a loan. And I didn't even choose the same airlines or dates. I did not agree to receiving the loan, I did not sign anything, receive any sum of money or was able to confirm if the airlines did because Affirm would not provide this information. I'm sure I didn't because airlines send a confirmation and information about your flight and also because I didn't actually create any ticket at the time but, some day later when I paid for it myself. I have disputed this with Affirm many times, escalated and since the beginning, they have only taken my information to " confirm '' it's me ( like social security number ). I believe they have only done this to finish adding information to the completion of my profile or account with them. The only help I have gotten is an email asking for proof for the dispute which I can't give them because Indeed, I did not take the loan therefore, don't have proof of that. How could I explain I don't have money that was never given to me when what this company only provides is the name of an airlines? That time, I didn't even fly with the same airlines! When I call the airlines, I'm told it must be a scam if they can't provide me with information to even verify or find the ticket. Then, I'm told by an attorney that I have nothing to do with the airlines, Affirm is the one assuring I was given a loan or agreed to it. I have no way of confirming this, only Affirm 's word. If they gave it to the airlines, at least the airlines should be able to confirm this or agree in some way to receive this. But, the conflict is with Affirm. This debt keeps growing and when I finally wanted to take a car loan I was denied this when they ran my credit. I've also disputed this online with XXXX and it's being denied. Keeps happening for months now. I've never been a bad payer but, I've never consented to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX has reported an account on my credit report, but I have no contractual obligations with XXXX XXXX or XXXX  XXXX. Please remove this account due to no contractual obligation with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-16 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act, this creditor ( Exeter Finance Acct # XXXX ) has violated my rights under 15 USC 1681 Section 602. I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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:
This XXXX  doesn't belong to me I was only an authorized user on this account and I never signed any agreement to be responsible for this account I have requested the creditor should remove me from the account and remove this account from my credit history On XX/XX/2023 they informed me that they have removed me from the account however the account is still showing up on my Equifax credit report as a closed account with a Charge-off damaging my credit On XX/XX/2023 I submitted a dispute to Equifax and provided them with the letter from the creditor that I have been removed from the account On XX/XX/2023 Equifax informed me that they have somehow verified that this account belongs to me. 
Again, THIS ACCOUNT HAS NEVER BELONGED TO ME, AND PER THE LETTER FROM THE CREDITOR I HAVE BEEN REMOVED, THIS IS A CLEAR VIOLATION OF FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
On XXXX XXXX I sent out a letter to XXXX, Equifax, and XXXX. However it's been over 30 days and the credit bureaus failed to comply with fixing my credit report despite my attempts to contact them and its being past the 30 day window for resolution. This is preposterous this is really not making any sense. 

According to the law 15 U.S. Code 1681i- Procedure in this case of disputed accuracy. If the completeness or accuracy of any item of information contain in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ), Before the end of 30 - days period beginning on the date on which the agency receives the notice on the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
On XXXX XXXX I sent out a letter to XXXX, XXXX, and Experian. However it's been over 30 days and the credit bureaus failed to comply with fixing my credit report despite my attempts to contact them and its being past the 30 day window for resolution. This is preposterous this is really not making any sense. 

According to the law 15 U.S. Code 1681i- Procedure in this case of disputed accuracy. If the completeness or accuracy of any item of information contain in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ), Before the end of 30 - days period beginning on the date on which the agency receives the notice on the dispute from the consumer or reseller.

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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I requested a check for my rent to be sent to XXXX XXXX XXXX in the amount of {$570.00}. My bank, MoneyLion, deducted it from my account along with a check fee of {$2.00}. It was stated in writing it would take no more than 2-4 business days. On XX/XX/XXXX I received a message from my landlord that they still had not received the check. I called MoneyLion immediately and was told " give it one more day ''. We did and the check never arrived as promised. I called back again on XXXX and asked for a stop payment and was told I can not do do that since the check has already been processed and they would escalate the issue and " someone would be getting back in touch with me in XX/XX/XXXX hours ''. I patiently waited and did not receive any correspondance. I called again on XX/XX/XXXX and demanded to speak with a supervisor by the name of XXXX XXXX and she assured me she would escalate it personally and refund me for a late fee I have now incured because my check is considered late for rent and " she would call me back in 24-48 hours ''. Again, no call. I called again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have been told it is out of their hands as the issue has been " escalated ''. I have also sent multiple emails requesting my money to be reimbursed. I have been given the run around and no money has been returned as promised. As a bank with my money in it, I'm not sure why this can not be done ASAP. Please help me look into this. Amount owed is {$570.00} plus a late fee due each day that the check has not been received in the amount of {$150.00}. Thank you! 
How it started

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I purchased my vehicle on XX/XX/2018 in XXXX, IL. The car dealership went with Exeter finance which gave me a loan for 25.36 % My credit score was XXXX when I purchased the vehicle. Ended up paying {$700.00} monthly for a XXXX base model XXXX XXXX. Illinois law in 2018 was you could not charge more than 20 % financing. I was charged well over that. Ive contacted the office of the Illinois attorney general & was advised theyve made contact to the finance company. That I should be receiving an offer from the finance company. That was in XXXX, Ive attempted to contact Exeters legal department & was told they correspond only my letter or email. Ive been told they do not do refinancing. Ive been forced to push my loan back an additional 4 months just to not loose my vehicle. I feel like Ive been taken advantage & just being given the run around. At the end of the loan I would have paid over {$50000.00} for a {$25000.00} car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
An account/tradeline exists as XXXX in my credit files that is wholly inaccurate and contains false/misleading information. The referenced account appears beginning XX/XX/XXXX at which point the XXXX XXXX  alleges a payment was late by one-hundred twenty ( 120 ) days. The account then begins reporting as one-hundred fifty ( 150 ) days past-due in XX/XX/XXXX. By XX/XX/XXXX the account begins 180 days past-due with at least one ( 1 ) of the three major CRAs. Yet, the furnisher of the information acknowledges that they did not begin contacting me until XX/XX/XXXX. The account is reporting as credit with a term of one ( 1 ) month. Yet, the account is not for a revolving loan or a loan product with terms of one ( 1 ) month. Moreover, the servicer for this alleged account has provided false/misleading information required to even check the balance of the alleged account -- the data furnisher is aware of this. I have been denied access to housing based upon this payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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 the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following accounts are not mine, I did not open any of them, and I am not a debtor : XXXX XXXX XXXX ( XXXX ) and XXXX XXXXXXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation