vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX XXXX  Inquiry : XX/XX/2022. 



In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus.

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 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I reached out to this company today, XX/XX/2022, to set up a payment arrangement on my account as I am unable to pay it all at once. I was told by the extremely rude collector that they will not accept a payment for anything less than the balance in full. I tried explaining it but the collector was so rude so I just ended up hanging up. I called back a few hours later and asked for the mailing address so I can mail in payments since they are refusing to schedule the payments for me on the dates that I am able to pay. I was told that if I mail in a payment they will just shred it and not apply it to my account. I have no issues paying, however, I am unable to pay it all at once and this company is not working with me whatsoever. I also asked to speak with a manager multiple times but was refused that option as well. I feel extremely bullied by this company and their practices.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: AZ

Complaint narrative:
Self.inc total amount {$740.00} not sure the date and time. 
On my credit report it says I owe the Self.inc stating that I signed up and was sent a credit card which I did not receive, I've been trying to get a hold of them but no response on neither on my email and phone. So please help me report this and fix this situation it's hard for me to figure this out and I dont want this to continue at all. Please help me clear this. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received an incoming international wire on XX/XX/2022 credited my Citibank Global Executive Banking checking account. The amount credited to my account was supposed to be for {$18000.00}, however {$18000.00} was the actual amount credited. I called Citibank and asked what the {$18.00} fee was for as my account was supposed to be fee-free ( see attachment 1 ). They said it was not Citibank who levied the fee ; that it must have been deducted at the outgoing bank. I called the client who made the payment and they sent back their transmittal advice showing that the full amount of {$18000.00} was indeed debited from their account. 

Unsure of what happened, I called Citibank again on XX/XX/2022. I spoke to a woman named XXXX who informed me that this was actually an {$18.00} XXXX ( XXXX XXXX XXXX XXXX ) commission. She explained that certain banks negotiate this commission between themselves and that it is not a 'fee ' as my account is fee-free. I asked which bank benefited from/received this commission and she replied that it would have been Citibank. I stated that it then acts like and behaves like a fee. She insisted it was not a fee but rather a commission. 

I asked if I had been informed of this Bank to Bank commission and she said that I would not have been made aware of this. I asked if there was a list of XXXX commission banks and she responded that there was not. I asked how I could avoid this fee in the future and she said that there was no way of knowing. I was unhappy that while this account was ostensibly fee-free they had assessed an {$18.00} " fee '' disguised as a Bank to Bank Commission and that it could potentially occur again in the future. She said that I would not be able to make a case to have this commission refunded and confirmed that I may be subject to this type of commission in the future. 

She opened up an investigation for me, ID # XXXX the same day. I received the confirmation of the case in my securing messaging ( see attachment 2 ), but then nothing thereafter. 

This XXXX commission appears to be a way for banks to apply a fee on otherwise fee-free accounts. Worst of all, there is no way to know in advance that this fee exists or under which circumstances it will be assessed.

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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My bank account has been closed for a week they said the car was in property used I have tried over my bank account I can't get my bank account I need to pay my bills I can pay my bills it is going to total mess that I've sent emails to the support the support has no phone number to call the whole thing is a mess and I need money to pay my bills right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act I have a closed XXXX XXXX account that is violating my rights. Account XXXX XXXX ( XXXX ) has violated my rights. 

15USC 1681 Section 602 A - States I have the right to privacy 15 USC 1681 604 A Section 2- States that a consumer agency can not furnish an account without my written instruction.

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 2022-09-06 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ; XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ), XXXX # XXXX ( Experian ), and XXXX  # XXXX ( XXXX ), as well as XXXX. DEPT OF EDUCATIONXXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX. US BKPT CT CO XXXX Reference # XXXX XXXX. U.S. Bankruptcy Court Reference # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX has violated my rights. 

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 an account without my written instructions

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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Peoples 's United Bank was taken over by M & T. 
We were reassured that the transition would be easier than the previous take over from XXXXXXXX XXXX to Peoples United Bank. 
The full transition was supposed to be finished by XX/XX/XXXX. 
My account is locked. 
I have tried to get this fixed as I have an automatic payment that was to be processed on XX/XX/XXXX. 
I finally reached M & T to be told my account is locked. That I have to go in person to get this fixed. 
Who is paying for this? I have to take time off of work to get this fixed? By XXXX at the call center employee number XXXX. 
There needs to be a formal fix to this nonsense. 
How can I trust these people with my money or information?

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 2022-09-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the following items on my Equifax consumer report ( credit report confirmation # XXXX ) under the basis that Equifax did not follow the permissible purpose law under the Fair Credit Reporting Act. 

Accounts : 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 XXXXXXXX XXXX XXXX Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX Hard inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX " ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. '' According to this definition Equifax is a consumer reporting agency because you have assembled and furnished my credit information. Seeing as how you are defined as a consumer reporting agency you are subject to following FCRA guidelines which includes permissible purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

If you can not provide me proof of my written instructions giving you permission to furnish each of the following 16 items I mentioned in the beginning of this letter then I request that you delete the accounts and inquiries immediately.

15 U.S. Code 1681n - Civil liability for willful noncompliance says that : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} According to the Civil liability section of the FCRA it says that I am entitled up to {$1000.00} per violation, If you can not prove that your agency had permissible purpose then I would like a settlement of {$16000.00}. ( {$1000.00} per violation for the 16 items i disputed )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
GENESIS Credit Manag {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this credit management company and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2022-09-06 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. Isn't it true legislation passed during the pandemic requires Navient to remove all late payments from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
I took out a debt consolidation loan 2 years ago, I finally got it paid off last month. Ive been overpaying my monthly bill for roughly XXXX months thinking the additional payments were going towards the principle. Unfortunately, the additional payments were taken in interest. I called Upgrade and they told me that I had to call in to make additional payments if I wanted them applied to the principle. My monthly payments were {$270.00} but I paid $ 300 monthly since XXXX of XXXX. 

In XXXX of XXXX, I noticed the additional payment option on their website after paying faithfully for a year and a half. There were several months that I did not have a payment but decided to make a payment to pay the balance down faster. The company is refusing to reverse to the additional payments ( they told me I had 30 days to reverse payments ) that Ive made and they are refusing to refund me. Those additional payments were not principle payments, interest was taken, yet again. Its been 4 months and they are constantly giving me the run around. Is there anything I can do to fight this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: TN

Complaint narrative:
I started making payment on this solar loan in XXXX of 2022. I did not get any form of installation done till the start if XX/XX/2022. My panels and the services I agreed to are not functioning to this day, XX/XX/2022 and I have called to request the XXXX XXXX be put into place until all is functional. The bank is denying that such a rule exists in our contract and they are refusing to pause payment until my product and services are fully delivered and functional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
They ran my credit without my consent and lowered my credit limit without notification. I carry a balance which was less than half the limit, but have never been more than 30 days late on a payment.

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 2022-09-06 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX {$1700.00} is reporting inaccurate information. This debt was settled out and paid in full. There is NO BALANCE! Account opening date is INCORRECT AS WELL! PLEASE DELETE! 

XXXX XXXX XXXX {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this XXXX XXXX XXXX and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT! 

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The Payment status is incorrect! PLEASE UPDATE TO PAID ON TIME!! 

XXXX XXXX as of XX/XX/22 is reporting inaccurate information. This account was NOT A CHARGE OFF!! THIS WAS PAID IN FULL! REMOVE THE NEGATIVE REMARKS AND UPDATE!! 

XXXX as of XX/XX/22 this account was paid in full. PLEASE REMOVE FROM CREDIT REPORT!! 

XXXX  XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The amount past due is incorrect and the remark! This was NOT A CHARGE OFF! PLEASE DELETE FROM REPORT! XXXX as of XX/XX/22 is reporting inaccurate information! The account status, payment status and amount past due is INCORRECT! PLEASE DELETE FROM REPORT! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM 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 non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, I requested a cashier 's check for {$2000.00} to be delivered to my work at XXXX XXXX XXXX, XXXX, CA XXXX, I never received the package and later found out it was shipped to XXXX XXXX XXXX, XXXX, CA XXXX. 
Capital One bank said they wanted me to fill out an affidavit to attest that I didn't have the check and to have it notarized. I told them that the check never made it to me and it was returned on XX/XX/2022 to Capital One and accepted by a " XXXX XXXX '' with a XXXX tracking number of XXXX. I refused to attest for a check that the company received regarding my check. 
I asked for the check to be redistributed to me, but now they are saying that they can't and can not release the funds for 90 days. 
XXXX said they would accept responsibility for delivering to the wrong address, but Capital one did not respond to the case, and XXXX denied the claim and closed the case. 
I asked them to get the check from XXXX XXXX In your company and verify that it is the check and return my money. 
I still have not received any follow up and I still have not seen that {$2000.00} deposited into my checking account. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit Acceptance Corp as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS 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 2022-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: MI

Complaint narrative:
Delete Late payments from Oportun from XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states XXXX ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation