vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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:
They broke the law as per fdcpa is intended to secure my right to privacy i did not give them written consent to report on my behalf.

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 2022-01-20 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: Consumer Portfolio Services, Inc.
State: MA

Complaint narrative:
Before my car was repossessed in XX/XX/2021 XXXX was harassing me calling in upwards of three times a day. I reported the obsessive harassing phone calls and they put a stop to the phone calls but now my problem is not getting my statements on time and XXXX is not reporting it to the credit bureau accurately. I received a statement on XX/XX/XXXX that implied, as you will see by the attachments that I was three months behind when I wasnt even 30 days past due yet. Please refer to the attachments the information doesnt match up to when they are reporting my account to the credit bureaus either. I received a notification today through XXXX that my account is 30 days past due but according to the notices I received LESS than 30 days ago they say Im 90 days past due????

I believe this is all in retaliation for me putting a stop to their collection calls as soon as you are late they start calling up to three times a day. Its harassing not to mention the amount of money I owe on this loan doesnt make any sense. Even the worst car loan out there after paying it for a year you would see more than a {$20.00} drop in the balance. I reported this Company before being deceitful and dishonest but I didnt want to follow through with it because I just wont have time and Im a single mom but I am trying really hard to work on my credit in this company is set on preventing me from obtaining HOME OWNERSHIP reporting INACCURATE info AND not sending out an invoice to me in a timely fashion for me to pay it. On top of having incorrect information on the statement that I just received. This company is dishonest and unethical and just plain unfair. They prevented me from being able to pay all my past due when they took my car and it took twice as long to get it back because they kept adding fees and giving me instructions to pay the bill that were bogus. I have attached my informed delivery to prove when I received the LATEST BILL from them Which by the way says that its not due until XX/XX/XXXX yet the statement date is XX/XX/XXXX and it didnt get into my mailbox until XX/XX/XXXX?? Thats directly in retaliation to me stopping they are harassing collection calls because I know my rights as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I noticed inquires that I have not authorized on my credit report and I would like for them to remove 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 2022-01-20 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I noticed inquires that I have not authorized on my credit report and I would like for them to remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Westlake Services, LLC
State: NJ

Complaint narrative:
I noticed few inquires and I never authorized nor recognized.

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 2022-01-20 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had my home mortgage with BB & T for several years now. They were not the best mortgage company that I have had- I own several properties- but they were OK. Ever since this company became TRUIST, it has been a nightmare. Their automatic payment site just does not work. For the past several months, I have called into their Customer Service line because I end up in arrears and then I get a {$40.00} late fee in addition to the fact that I have to spend an hour or more on the phone supposedly fixing things. Yesterday, I tried to log into my Mortgage account which is a separate entity from the Banking section. I kept track of the the time, and the little wheel spun for XXXX minutes before I gave up. I never was able to sign in. I tried again later with the same result only I gave up after XXXX minutes. See pic of what this looks like below. If it is not even possible to sign into my mortgage account, how I am going to see what is going on. Customer service keeps telling me that I can pay through them. I have better things to do with my life than to call them every month and sit on hold for goodness only knows how long waiting for a rep to answer. I see no reason why they can not have a method that will take the money from my credit union and put it into their system every month automatically. This nonsense has been ongoing ever since the company became Truist. The government should have some safeguards in place to ensure that Banks can not treat customers like this. The only advantage from their end is that they get to charge an extra late fee of {$40.00} every month. Every other mortgage company I have had ( and there are a bunch of them because they keep selling mortgages to each other ) has had a system that works just fine. Truist has a site that is totally non-functional in my experience. If anybody reading this has a choice of which site they can use to get a mortgage, do NOT choose Truist! You are better off with any other company in my experience. 

Every month it is a battle with Truist because nothing works the way it is supposed to work. This is even AFTER I have been " helped '' several times by Customer Service reps. One of the problems is that after the problem has been " fixed '', it does not take effect for two months so you are still left with a mess for the following month and if you try to fix that, then you have to wait for another two months. It is a never ending saga of things that can go wrong so that they can charge you {$40.00} for being late again.

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 2022-01-20 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of InquiryXXXX XXXXL Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXX XXXX Date Of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX XXXXXXXX Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry: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 2022-01-20 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: CORELOGIC INC
State: TX

Complaint narrative:
Have inquiries that I am not aware of on my report. I have called XXXX customer service to have them removed and they have not helped me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Advantage Credit, Inc.
State: TX

Complaint narrative:
Have inquiries that I am not aware of on my report. I have called XXXX customer service to have them removed and they have not helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TX

Complaint narrative:
Hi, I've tried asking Equifax through several debt validation letters sent on XX/XX/XXXX along with certified mailed returned receipt to send me all documents in my credit file that their sending me accounts are verified. Equifax is not allowing me to exercise my rights as a consumer to validate an alleged debt. Equifax knows that a company must have proof of validation of the alleged debts and has a job to make sure it is reporting entirely accurate and fairness of credit reporting. Equifax received this letter on XX/XX/XXXX and this debt collector has not sent me any documents that I asked for they are violating 's my right to validate the alleged debts, It has been far over 30 days since they have responded with the information request. I would like to demand audit trial for the accounts listed/furnished inaccurately : XXXX XXXX, XXXX and Dept of EducationXXXX XXXX Equifax also deleted the inquiry XXXX and reinserted with sending me a reinvestigation letter within 5 days of them reinvestigating this inquiry. I did not authorize nor benefit from the following inquires. According to FCRA the following inquires must be blocked and removed ( XXXX XX/XX/XXXX ) This is an injustice to continue to violate my rights as a consumer boldly, I also never gave them written permission to furnish this report no consent is identity thief, and they know that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Received an email from XXXX XXXX XXXX XXXX of a decrease in credit limit. I have not missed a payment and always pay more than due. The credit limit decrease made it so that a report of 91+ % usage of available credit.

I then called Synchrony the card issuing bank. I ask the customer service representative why the limit was decreased. The representative read me the letter and referred a credit company 's ( XXXX ) phone number to request a {$9.00} report. I believe the lowering of my credit limit is an action allowed according to the Fair Credit Act and could negatively impact my credit score. I was trying to increase my credit score when I initially accepted the card when offerred.

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 2022-01-20 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I noticed few inquires and I never authorized nor recognized.

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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a checking account with Santander Bank on XX/XX/XXXX. 
On XX/XX/XXXX, I initiated a transfer of {$15000.00} from a different bank of mine into my new Santander checking account. The opening deposit was processed on the same date and finds were withdrawn from my other bank account on XX/XX/XXXX. 
However, my Santander bank account was locked soon after, pending further review of my initial deposit. It has been more than 15 days now, and my account is still locked after multiple phone calls to Santander bank customer service. My funds are now locked and I am unable to access my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am very upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove 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 explanation
Consumer complaint received 2022-01-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/2021 EMPLOYER : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date Of Inquiry:XXXX XXXX Date Of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXXXXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of InquiryXXXX EXPERIAN XXXX XXXX Date of InquiryXXXX EXPERIAN XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXXXXXX  XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of Inquiry:XXXXXXXX XXXX  XXXX Date of InquiryXXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX  Date of InquiryXXXX XXXX  XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX  Date of Inquiry:XXXX XXXX XXXX XXXXXXXX Date of InquiryXXXX XXXX Date of Inquiry: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 explanation
Consumer complaint received 2022-01-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Someone stole a XXXX XXXX XXXX check in the amount of {$9800.00} issued to me by XXXX XXXX XXXX XXXX ( XXXX, NY, partner bank XXXX Bank ) and was able to open a fraudulent account at Bank of America with only my name as it appeared on the check and then cashed the check on XX/XX/XXXX. No verification was done. Bank of America denied a claimed filed by the issuing bank ( XXXX Bank ) claiming that the check was " deposited into an account with my name '' no other biographical information was associated with me. Another department of Bank of America confirmed that the account was not mine and sent me a statement confirming that I did not have an active account since XXXX. I have contacted the Fraud Department of XXXX Bank to no avail. Now no one wants to accept responsibility for their negligence. How do you open an account with just someone's name? and how are you able to cash their check with no verification?

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 2022-01-20 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I noticed few inquires I don't recognize or authorized my information to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My XXXX XXXX with 03 credit bureaus agency Experian, XXXX and XXXX don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my XXXX XXXX never increase however I have great payment history.

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