vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This account was openened on my credit report on XXXX XXXX, XXXX ( XXXX, XXXX ). The account closed on XXXX. XXXX, XXXX written as charges off as bad credit, profit, and loss write off. The amount owed on this account is {$24.00}, XXXX. Santander Consumer USA on a recorded line stated that they did not want the vehicle. The vehicle was suppose to be picked up from Santander Consumer USA, to be sold at the auction. The profits from the auction were to be added to my account balance. Santander Consumer USA stated that the car would be to expensive to fix, they got all of their information supposedly from the tow yard owner. Santander Consumer USA did not send their own adjuster that works for their company to see how much the damages were. They took word of mouth from somone who couldve been providing them false information, especially since Santander Consumer USA never laid eyes on the car to determine the damages. Despite this wrongful repossession that has been reported to my credit, I have also been harassed several times a day with phones calls concerning this account. When asked for specific information concerning this account, the customer service representative could not provide the information. 

This is my second time filing a complaint with this company. Santander stated in the last response to my complaint that I was told several times that they no longer took interest in the car. This statement is false. I called once requesting information on the investigation, at that time I was told Santander no longer took interest in the vehicle. It was not told to me several times. I am requesting the recordings of all phone conversations since this account has been open. I am also requesting the fees and vehicle damages from the XXXX XXXX XXXX that was impounded at XXXX XXXX. Since the vehicle was never secured, how does the company know the amount of damages that occurred to the vehicle, if it was never seen by anyone from the company. Santander again took the word of a tow man, who couldve been telling them false information. The fees continued to build up, due to the rules and regulations of the Santander USA investigation process. 

This account was charged off as bad debt, meaning that its still considered a repossession to all banks and car lenders. 

Since nothing has been resolved and the company clearly has done things unrightful and unlawful. My next step will be filing a lawsuit, amongst the several other lawsuits that have already been filed against this company including the civil lawsuit, for unrightful repossessions. 

I am again requesting that this account be removed from my credit report, completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to XXXX XXXX, any billing discrepancies should be promptly corrected and reflected accurately.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone stole my personal information and opened credit cards without my knowledge. The way I found out I had a XXXX XXXX credit card was through XXXX XXXX. I called XXXX and after reporting the incident the lady over the phone told me someone made a purchase with a physical card I did not know it existed.YesterdayI called XXXX because my credit scores went down and they told me the fraud case was declined because they used a physical card. I asked them how can they honor a large purchase which I have never made without id.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a 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 consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.

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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
on XX/XX/XXXX th o ordered face product in which my checking was billed XXXX and the product never sent to me. i waited til XX/XX/24 to report product never received and expected my money back into my account as such - the money was never credit back from Ally. i called my bank im again to find out where my money is- i was transferred around by ally bank and never explained why my refund had not been processed- i was on hold XXXX minutes when i finally hung up.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I mailed out a dispute to TransUnion regarding inaccurate information being furnished on my consumer report. In addition to the description of the procedure they used to determine the accuracy of what they are furnishing. See XX/XX/XXXXXXXX and XXXX in attachments below. TransUnion received my dispute letter on XX/XX/XXXX certified mail tracking number : XXXX XXXX XXXX XXXX XXXX seeXX/XX/XXXX 
XXXX XXXX XXXX speaks on accuracy of the consumer report XXXX XXXX XX/XX/XXXXspeaks on a consumer reporting agency furnishing accurate consumer reports; accurate means all values correct. 
XXXX XXXX XXXX ( XX/XX/XXXXspeaks on the description of procedure used to determine the accuracy and completeness of the information being furnished If a consumer shall request this information. 
XXXX XXXX XXXX ( XXXX ) states that a consumer reporting agency SHALL provide to a consumer a description referred to in paragraph XXXXXX/XX/XXXX by not later than XX/XX/XXXX DAYS after receiving a request from the consumer for that description. 
I requested a description of the disputed items XXXX XXXX XXXX TransUnion replied with updated and did not respond in the satisfactorily time allotted by law. See XX/XX/XXXX 
They have completely disregarded my request in not sending me information requested and also directly violated XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXXXX/XX/XXXX 
XXXX XXXX XXXX XX/XX/XXXX states that information that can not be verified as accurate or complete must be deleted in XX/XX/XXXX days. 
XX/XX/XXXX Reinvestigations of disputed information ( XXXX ) Reinvestigation requiredXX/XX/XXXX In general Subject to subsection XX/XX/XXXX and except as provided in subsection XX/XX/XXXX if the completeness or accuracy of any item of information contained in a consumers 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 disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
See XX/XX/XXXXXXXX XXXX TransUnion XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> XXXX 2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 XXXX 2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XXXX XXXX ( XXXX ) XXXX XXXX, 2024XX/XX/XXXXXXXX XXXX, 2024 XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XXXX XXXX ( XX/XX/XXXXXX/XX/2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XX/XX/XXXXXXXX XXXX, 2024 XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XXXX XXXX ( XX/XX/XXXXXX/XX/year> 2024

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 2024-05-11 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2024, XX/XX/2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I was contacted on XX/XX/year> at XXXX XXXX  by the phone number XXXX ( Midland Credit Management ) by a female. As she was informing me about my debt, and asked about payment I told her that I have not worked since early XXXX as I was XXXX  and have not been able to find employment recently since my daughter is now XXXX  months old. She said she was turning the conversation over to her manager, who was listening in on this call the entire time as I was not informed he was also on the line. I explained the situation to him, and he verbally attacked me saying he didnt think I was willing to work with them to pay my debt. I explained to him I am willing I just need to get back to work. He got an attitude with me by saying thats not what I said now was it because he did not like how I called him out for how he was speaking to me. They said if I didnt make a payment by the end of the month that they were going to report to my credit and kept using that as a tool against me if you will. They kept saying luckily, we have not reported to your credit yet. I have high XXXX  issues and XXXX  XXXX, the way this company treated me has made me XXXX  and afraid to answer the phone when they call. They are intimidating. I have XXXX witnesses to all of this as the call was on speaker phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/24 I wrote a dispute letter to Mountain America Credit Union to receive validation of the debt which they never provided to me. They claim I owe them {$7000.00} however, if this debt was real then they would have sent me the debt validation like I requested. It's clear that I actually don't owe this debt because they have no documents to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Today, XX/XX/XXXX, I received an email from Citibank saying they had adjusted a payment I had set up for XXXX to XXXX. This made no sense to me so I ended up making four calls to Citi to figure out what they did. In essence they had deducted both XXXX, the amount due, AND XXXX which represented the amount which would be due for NEXT month on the charges that had just been configured yesterday. They said I had set up XXXX to be paid twice, something that would be difficult to do as the configuration page would clearly say the payment had already been set up, that there was no additional payment necessary and that I would have to physically type in the XXXX figure for payment. I did NOT make a double payment of XXXX. 

When I pointed out this and that it was the Citi computer that had made an error they disagreed and engaged in mental gymnastics to blame me. So, in essence, they had deducted the correct amount AND XXXX without any authorization, likely committing a fraud. Upon that they said they would " initiate '' a reimbursement, though it might take a few days or more. Meanwhile, they had already made an unauthorized draft from my checking of XXXX and refused to admit their error and immediately fix the situation. 

I then asked them to give me a correct billing asap so I can set up payment for the XXXX for its due date. I have no expectation they will do anything. 

I don't know if CITI did any of this knowingly but the similar response from four different employees tells me that are trained to simply lie. None of the staff I spoke with seemed properly trained, except in denial and blaming the customer for a CITI error. 

Please investigate and take appropriate action. 

XXXX XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Account showing XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is inaccurate. I tried to dispute for inaccuracy on XX/XX/XXXX, but all they did was add a XXXX for XX/XX/XXXX. Account was closed in XXXX of 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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a 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:
I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. These accounts contain inaccuracies in their reporting. Compensation of {$1000.00} is expected for each flawed entry in my credit file.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. These accounts contain inaccuracies in their reporting. Compensation of {$1000.00} is expected for each flawed entry in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account : XXXX XXXX {$240.00} THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED 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 non-monetary relief