vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I have 2 loans with Lendmark Financial, an auto loan and a personal loan. I took out the auto loan in XX/XX/2021 with an APR of 22.49 % and my monthly scheduled payments were XXXX. I took out the personal loan in XX/XX/2021 with an APR of 27.97 % and scheduled monthly payment of {$130.00}. 

The lender stated in the disclosures that these loans are legal under XXXX XXXX. XXXX the lender pre-computes the loan and adds the full interest owed to the outstanding principal balance. My starting principal balance was {$14000.00} for my auto loan. Had I maintain the loan for 60 months, I would have paid {$9600.00} in interest. 
My starting Principal balance was {$4000.00} for the personal loan and the {$2600.00} of interest owed after 4 years. 

Lendmark created a new principal balance whereby all payments made to the loans only pays the interest for the first 18 months or more. 
Due to their greed and perpetuation of this scheme, they change the loan to a hybrid interest only for the first 18 months without providing proper disclosure nor did they provide an amortization scheduled showing how the loan will be paid in full. I was never informed that the first 18 months of payments would be applied to the interest only and none of those payments would be applied to the original principal balance, I attempted to refinance the loan after 18 months and was told that none of my payments were applied to the principal balance. I am now forced to maintain a car that has a {$7000.00} value and I owed {$13000.00}. I am completely upside down. 

I was never given the proper notices. I am a victim of reverse redlining and predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-09 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: MD

Complaint narrative:
I HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL 3 CREDIT REPORTING AGENCY FAIR COLLECTIONS & OUT, XXXX XXXX, XXXX, XXXX XXXX XXXX EQUIFAX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. XXXX STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH XXXX WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS TO A COMPLETE AND ACCURATE CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account # : XXXXXXXX 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  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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
Well this all started when I got out of XXXX and I wanted to build my credit looked on my credit report and found a collection but it's not mine and during the time that they said that my collections were there was taken I was XXXX and lXXXX XXXX  and homeless I had no job no way of getting a loan they can't give me any information on who it was or just it was an online account and that and that's all they could give me I file do XXXX XXXX and XXXX since XX/XX/XXXX I've done it three times up until XXXX XXXX  the last time they they denied my disputes. XXXX in the other hand I can't figure out cuz I can't afford to pay for their site right now but they dropped the collections and I had them dispute it for me and I can't get any information on what this dispute said but it dropped off my credit report to them so I ' know fraud and they figured it out cuz I know it just brought. Looking at my report of that other thing other loans taken out of my name that weren't mine I've had my identity stolen since XXXX XXXX. When I talk to them they're giving me different dates and when the the loan was actually taking out but their dates is XXXX XXXX XXXXXXXX and they're trying to tell me it was a different time which is impossible because I was living in the desert in XXXX. I just wanted to tell you the attached file I sent you is a copy of my court records off of my credit report stating that I was XXXX at the time they're saying I took this loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: VA

Complaint narrative:
XXXX XXXX & XXXX XXXX XXXX XXXX put late payments on my account. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2022-11-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX put late payments on my account. 

In accordance with the fair credit reporting act XXXXXXXX  account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2022-11-09 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: PA

Complaint narrative:
I notified Transunion a few months back regarding incorrect information appearing on my consumer report and called to have it removed. While speaking with the reps, I was transferred and spoke with another representative who informed me of a " merged file ''. Due to this egregious error on their part I am demanding removal of all negative information currently being reported under the guise of belonging to me. Transunion has not accurately validated any of the negative information being reported under under my file number and has not shown lawfully that any of this information in fact, belongs to me. I am demanding Transunion to block and remove this negative information pursuant to 15 USC 1681 c-2. I have submitted the required FTC reports, the report # is XXXX. 
The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 seeks to ensure the " accuracy and fairness of credit reporting ''. In recognition of the importance of such accuracy and fairness to the interests of individual consumers and to efficient functioning of the banking system, Congress imposed obligations both on consumer reporting agencies ( CRAs ) such as credit bureaus that compile consumer reports, and on creditors and others who provide information to those agencies. Pursuant to 15 USC 1681-b ( requiring CRAs to " adopt reasonable procedures '' for credit reporting, in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. '' Also, pursuant to 15 USC 1681s-2, " requiring furnishers of information to provide accurate information and to investigate and report the results of all disputes regarding such accuracy ''. As a consumer, I am asserting my rights and am fully aware that Congress has entrusted the Federal Trade Commission ( FTC ) with primary responsibility for governmental enforcement of the FCRA as it applies to CRAs and those who furnish information to them. Pursuant to 15 USC 1681s - the Act states that ANY violation of the FCRA " shall constitute an unfair or deceptive act or practice in commerce in violation of section 5a of the FTC Act : 15 USC 45 ( a ) and shall be subject to enforcement by the federal Trade Commission under section 5 ( b ) thereof ''. I am also aware of my rights set out by Congress as a consumer to seek damages for said violations of the FCRA by " any person '' pursuant to 15 USC 1681n, 15 USC 1681o.

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 2022-11-09 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 sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking # XXXX. 

According to the FCRA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquantained or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still NOT reporting accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts ; XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX ; # XXXX XXXX XXXX XXXX ; Acct # XXXX XXXX XXXX XXXX XXXX ; Acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX ; Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX Acct # XXXX Bank XXXX XXXX Total card XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # 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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Atlantic Union Bankshares, Inc.
State: GA

Complaint narrative:
I currently have a checking account with Atlantic Union Bank. This account was opened in XXXX or XXXX. I have about {$970.00} on deposit with them. I have had this amount of deposit with them for the last year and a half to XXXX years. It is basically just a savings account. Monthly they would send me an update on the balance for this account. For the last four or five months I have received nothing. Five days ago I started to try to access this account. They have sent me a link to get online with my account. When I tried to do this they said that account had been put on hold because of inactivity. I have called them to explain the situation and they have sent me links to set up a online account and access. They told me that I need to sign a letter and send it to them authorizing them to reactivate the account. I did this yesterday XX/XX/XXXX. I downloaded the letter I signed it I scanned it and I mailed it back to them through their secure link. This morning I called and tried to access the information on my account telling them I wan na make sure that they have received a letter. They tell me that I could they can not authorize me to have any access to my account because they can not authorize who I am. Ive given them addresses and Social Security number etc. They want me to do some sort of a XXXX  meeting with them. I told them that I absolutely refuse to do that as I could pose as anyone. What good is a XXXX meeting when the documents are the most important thing and the fact that they are sending me links to the same email address where they always sent me information about my account. I just had a very heated conversation with them on the phone about access to my money which they are holding against my authorization. I told them that I was going to be getting in touch with The federal banking authorities about the situation being that they would not allow me access to my funds. Please help with the situation Ive done everything theyve requested and Im getting nowhere. Again this is Atlantic Union Bank. There is no office for Atlantic Union Bank in XXXX Georgia. Please help as I find this to be just unacceptable for them to hold my money and not allow me access. Thanks so much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: HI

Complaint narrative:
I went to the beach one time in XXXX and when swimming my phone and cards were stolen someone used them and racked up a large bill. Once noticed I took action and filed a dispute they cleared my account for a couple months then added everything back on. I tried again and they did the same thing. This card is discover. I live in a small island where we have limited stores since it was used in the same area as where I lived they are considering it not fraud but if there is only limited places to shop they can only go to certain places. Discover will not budge or help clear any charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TX

Complaint narrative:
As a consumer I have the right to file a dispute regarding accounts that I know is fraudulent. Also, the bureau should respond to me when they received my letters. It has been more than 30 days, but I did not receive anything from them. I also did not see any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I was XXXX  from XX/XX/XXXX until XX/XX/XXXX since XX/XX/XXXX ive been in the XXXXXXXX XXXX XXXX. 

Sometime during my XXXX  my credit card information was stolen. However both XXXX bank and weitman Weinberg reis and co refuse to acknowledge this and they're trying to force me to make payment on charges that I didn't do. Any charges that happened between XX/XX/XXXX to XX/XX/XXXX I didn't do nor did I give anyone consent. 

Weinberg has told me on the phone that I said in a conversation that I stated that someone could use my card and they would make payment. That's absolutely false. I asked to hear this recording but they've refused to let me hear it. 

I pretty much think they're bullying me and being prejudicial toward me because I told them I had been XXXX  I've enclosed the documents to show my proof of XXXX. The balance in question is {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I keep receiving collection notices from Medical Revenue Service on behalf of XXXX XXXX XXXX for which my insurance company has paid the amount they owe and for which I have paid the co-pays. I believe XXXX XXXX is balance billing for services I received. My insurance, XXXX XXXX, has spoken to them and so have I but they continue to try to collect. I have notified the hospital of this as well and sent them copies of both my insurance company 's paid benefits notifications and my credit card records of payment. I have been told by my insurance company that I do not owe for anything other than what they have paid and my co-payments and that the hospital is balance billing. This has happened repeatedly for several different billings and I have replied to each one in the same way. I feel like they are harassing me for money they are not owed.

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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The bank paid a check that was sent to another company however two days later they reversed the charge the company never received the payment I was charged an insufficient funds fees despite my direct deposit being in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I requested debt validation via certified mail over 30 days ago and the collection account still remains. They are at fault and must remove the collection 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 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Our payments are paid automatically on the 1st of every month. They are stating that one payment was short by {$8.00} over 6 months ago which caused them to bill us a {$40.00} late fee. Since then, because of this added late fee it has caused our automatic payment to show short by about {$8.00} each month for over 6 months and each month they are billing us an additional {$40.00} fee. The fee is what is causing it to be short! This is predatory. We have now been billed over {$240.00} in fees because they are saying one payment was short by {$8.00}. We received no notification of this until a few days ago when we finally got a phone call saying our payment was late. Why did it take them over 6 months to contact us. Obviously, no one would choose to not pay {$8.00} so they could instead be billed an additional {$40.00} every month. Had they made this same phone call 6 months ago, we would have been aware and cleared the missing {$8.00} which would have saved us over {$240.00} in predatory fees. We contacted them and all they would do is waive one fee. This is ridiculous. The added fee 's is what caused the payment to be short we pay {$100.00} per month which is over our required minimum payment ; however, with them adding the additional {$40.00} fee each month that is what made our {$100.00} payment short by about {$8.00}. The added fee each month is what caused the payment to be short. So you are stacking fees on top of fees. had they never billed them or contacted us after the first one none of this would have happened. How can they get away with charging over {$240.00} in fees for an {$8.00} shortage.

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