vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XX/XX/2021 I was hit with a late payment from XXXX XXXX  on a student loan. I have had autopayment on for this account since its creation. I had 18 months of autopay that didnt have a single late in all of that time. XXXX came around and for some reason this autopayment was shutoff. At the end of the month I was called by a collection company requesting this now 30 day late payment. After receiving this call I was in shock since this was always on autopay. I called XXXX XXXX  to ask why the autopay was turned off, instead of getting any help on the situation the customer service rep just stated that I needed to be more careful and keep an eye on the account. I stated that the minute I was made aware of this issue I sent the payment in within minutes however they stated removing this late would be lying to the credit reporting agencies and that nothing could be done.

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 2021-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have a Wayfair Account for the last several years. In the interim, they closed my account without issuing a notice because they are now using a different bank for credit. 

Since my account was closed without notification, I did not want my credit score to suffer therefor, I made aggressive payments to pay the account off and made a final payment of {$290.00} to Wayfair on XX/XX/XXXX. ( or so I thought ). 

I recieved a statement in XXXX advising I had a Finance charge. I attempted to get it reversed via email at least twice, however, I had no success and paid {$13.00} on XX/XX/XXXX. Again to attempt to pay the account in full. 

Today, I received yet another statement from Wayfair stating that I owe another {$15.00}. When I attempted to call, I was prompted by an automatic operator, only to be disconnected after 5 minutes of waiting and attempting to get assistance. 
I am absolutely livid! 

This is not a matter of money but rather of principal as I believe this is a scam with bad business practices. 

I don't want my credit score to suffer, however, the thought of having to give another {$15.00} to this bank makes my skin crawl. I believe these are fraudulent and unfair finance charges and I would like this removed from my account. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
This is my second complaint. The previous one was completed by my loan officer, XXXX XXXX. I purchased a car through Nissan Motors in XXXX  of XXXX. I am the only borrower and I bought the car for my wife. She is now my ex wife and I was unaware that she was not making payments. She was behind for three months. Nissan never called me or notified me that the payments were late. XXXX XXXX gave me a pre-approval letter and I am under contract to purchase a home. When I received my credit report, I noticed my ex-wife did not make 3 payments. In order for me to continue with this contract, I made a payment and my ex-wife also made a payment on XX/XX/XXXX and brought the account current. I requested a letter from Nissan so that I can re-score my credit report. Nissan refused and said that they can not provide a letter stating that the car loan is now current until 21 days have passed from the payment I made on XX/XX/XXXX. Nissan 's reason is that I may possibly withdraw the payment already made. This is ridiculous and is causing me a real financial harm to me because my escrow deposit is at risk because I can not be submitted for a mortgage with the Nissan tradeline reporting as late when it has been current for the past sixteen days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/21 served a civil lawsuit notice. 
XX/XX/21 checked my credit report and this debt was not found anywhere on my report. 

I never knew this debt existed. I was never sent any collection notices. I was never called about this debt.

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 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Well I have reached out to my bank and to to the people who took money out of my account and never got ahold of the company so I went thru my bank to settle this I got two payments that were given back to me on different days and another issue is the bank I use there is XXXX dollars that was added to my account theu XXXX XXXX that I did t even use i it had that I could use XXXX dollars out of XXXX and then a day or two later it had I owed XXXX dollars witch is wrong because I didnt even use it all but they are wanting me to pay it back and then they have this credit builder loan that you can apply for it I was able to get XXXX dollars but was only goven I XXXX  dollars like you have to pay off the XXXX dollars and I think the XXXX they have in reserve you have to pay that too and then they give you the XXXX witch dont make since because of Im buiilding my credit then give me the whole XXXX and pay back in monthly payments like that not give me XXXX dollars and then I have to pay back the whole loan before I even get the rest because people like me I. Financial hardship really need that money abd I felt mislead on that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: MS

Complaint narrative:
I am enraged at the unlawful acts of Equifax Credit Reporting Agency. I have mailed several dispute letters to the company and they have failed to comply with my demands. I have pointed out several errors on my credit report which they continue to " verify '' the erroneous accounts. I began disputing these accounts in XX/XX/XXXX. I have not had any success with this reporting agency. It is to my knowledge that according to the FCRA Section 611 ( 15 U.S.C. 1681I ) that all reporting agencies must report " ... the completeness and accuracy of any item of information contained in a consumer 's file ... the consumer notifies the agency directly or indirectly ... the agency SHALL, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate ..., or DELETE the item from the file in accordance .... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer ... '' I mailed a dispute letter to Equifax on XX/XX/2021 asking them to provide to me their method of verification on the accounts they continue to report as " verified '' and accurate. I have mailed in additional documents showing the inaccuracies and incompleteness of their reporting on my credit report. Equifax continues to disregard the law and report inaccurate accounts that I have demanded them to remove. They have failed to supply the documents they used to verify the accounts on my credit report. 
This has taken a toll on my life in major ways. Equifax has taken the law into their own hands. It is now XX/XX/2021 and I am just now received a letter in the mail dated for XXXX XXXX only showing " verified '' again with no supporting documents. I refuse to stand by and have my consumer rights violated. I will supply my supporting documents with this complaint. Equifax has taken more than 30 days to respond to my disputes and they also refuse to remove these erroneous accounts that are inaccurate and incomplete. If this fails, I am ready to take legal actions while providing my evidence and supporting documents showing Equifax has taken the law into their own hands and Equifax will have to travel to defend themselves at their own expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged a {$99.00} annual fee for the Alliant Credit Union Visa Signature Card. The charge was noted with, " ANNUAL FEE XX/XX/XXXX THROUGH XX/XX/XXXX. '' ( XX/XX/XXXX through XX/XX/XXXX ). See attached XX/XX/XXXX statement. 

On XX/XX/XXXX, I was notified of a change in terms that reduced the annual fee to {$0.00}, along with new conditions to maintain the same level of rewards ( 2.5 % ), by requiring a {$1000.00} daily average balance in my checking account. These changes would become effective beginning with the XX/XX/XXXX statement cycle. No mention of what would happen to customers that had paid their annual fee beyond this date. See attached Change In Terms Email. 

On XX/XX/XXXX, I contacted XXXX through their secure messaging service requesting a pro-rated refund for the months of XX/XX/XXXX through XX/XX/XXXX, requesting a refund of {$57.00}. 

On XX/XX/XXXX, the refund request was denied. See attached refund request and response, along with an expanded dialogue ( the print function did not capture the full text of the request and response ) files. 

I believe this is an unfair situation because Alliant Credit Union benefits from an excess payment of an annual fee that no longer applies AND I must maintain an average daily deposit balance of {$1000.00} to maintain the same level of benefits that I had already paid for. In short, they are benefiting twice XXXX annual fee + deposit balance ) for what I have only agreed to pay once for. I paid $ XXXX for 2.5 % rewards and now they're changing it to my paying $ XXXX AND {$1000.00} average daily deposit. They benefit twice and this is not fair. I'm paying for a service and instead of delivering as agreed, they're taking more from me to achieve the same result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 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: TX

Complaint narrative:
This account does not belong to me. Please block and remove according to 15 USC 1681c-2.

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 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I opened an account with XXXX in order to build my credit. I have successfully paid each and every single payment on time. I have never missed a payment. After several months, I was offered the opportunity to refinance my loan. XXXX  even acknolwedged that I had excellent payment history and I was successfully building my credit. I took this opportunity and refinanced my loan. ( I dont recall the exact date. ) Then after several more months, and still Never missing a payment, XXXX  once again acknowledged I had excellent payment history and never missing one payment, offered to let me refinance my loan again. I considered this carefully. I viewed my credit score. XXXX  recorded my credit score as just over XXXX. ( When I opened my account, it was barely above XXXX. ) I had seen my score raise by nearly 100 points. I looked over all my finances, and decided to refinance again. On XX/XX/XXXX I had received an email from XXXX XXXX who reflected that Transunion had dropped my credit score by XXXX points. I then received another email from XXXX XXXX that reflected that XXXX  had dropped my credit score by 52 points! I looked over my overall credit score which reflected that my credit score had dropped from XXXX to XXXX!!! Both XXXX and Transunion also reported that the only change to my credit file that was responsible was XXXX closing my financed account. I immediately made contact with XXXX. I have 100 % accurate complete payment history with XXXX, never missing a payment, and yet, doing business with them has caused severe damage to my credit report. The 101 point drop in my score clearly shows that XXXX  destroyed my credit far beyond what my loan was worth all so XXXX could profit. When I contacted XXXX, they gave a bunch of XXXX  excuses in an attempt to deflect blame and responsibility.

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 2021-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This company has placed this large debt {$2500.00} on all three of my credit reports, I have disputed this account serval times threw the credit bureaus but no luck, I don't know how this is sticking and I'm clearly saying it's fradulent amounts and charges.so finally the company reached out to me because of a complaint I submitted threw the XXXX. because they never responded and never formally provide me information about this loan I supposedly borrowed. They sent a copy of the original loan contract, I didn't recognize this checking account number, clearly I have been a victim of identity theift. this company even ran my credit with out my permission. The origanal date of loan was XXXX for {$1200.00} but on my credit report states the loan open date is, XX/XX/2020, and the owed original amount is {$2500.00}, now that's double what the original loan was. I'm asking for help because I don't have any knowledge about this account, I found out about account after it was on my credit report. I feel like I was robbed out of the legal way to dispute this transaction, because this company never notify me of this loan properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: MA

Complaint narrative:
This letter is about the following accounts : XXXX : ACCT : # XXXX, which you claim, I owe {$11000.00} or my account was charged off {$11000.00} ]. 

This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OR

Complaint narrative:
Follow up complaint to XXXX filed XX/XX/XXXX : Original complaint text : " I've recieved two letters from collection agency National Credit Adjusters ( 1st dated XX/XX/XXXX, 2nd one dated XX/XX/XXXX ). Both letters were a general debt collection settlement offer. Letters did not include correct information as required from FCRA. I responded to both of the letters ( sent via USPS certified mail ) with a debt verification request. I never heard a response back but company has continued attempting to collect reported debt in violation of FCRA. I've attached letters and proof of delivery. '' Response from company did not include debt verification items as requested : Documentation showing you have verified that I am responsible for this debt. 
Documentation showing you have purchased this reported debt. 
Documentation showing you are licensed to collect debts in California. 

Additionally the letter from the response by XXXX XXXX XXXX, XXXX. did not include the correct spelling of my name. In fact was spelled differently each time listed. This is creating additional questions into the legitimacy of this company/debt. 

Furthermore this letter still did not inform me I could or how to properly dispute the reported debt and is yet another violation of FCRA. 

I'm also requesting contact information for the agent for service of process. To include physical office location and normal working hours. 

I'm once again requesting this account be closed and removed from my credit report asap. The continued violations of my rights under FCRA is causing great harm to my well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I requested that Eastern Account System validate an account that they are reporting on my credit report from WOW. The company has not validated this account and the account is still on my credit report. This is not my account. The company has not provided a written agreement with my signature on it proving that this is my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TX

Complaint narrative:
This account does not belong to me. Please block and remove according to 15 USC 1681c-2.

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 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: NJ

Complaint narrative:
They call multiple times a day and when I ask them to stop or contact me only through mail delivery they hang up. I am not sure who they are but the company is SIMM ASSOCIATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation