vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is a complaint against the timeshare company XXXX XXXX. I spoke with their employees, one named XXXX XXXX who introduced himself other than a salesperson and is not working on commission. They enticed me by starting with telling me that I am making a good financial investment. I was offered gifts such as using my points to their hotels. They took my ID during the whole process. I felt pressured when I was told that they needed " '' corporate approval '' '' in order to grant me the deal and that it was my last chance at the lowest price being offered. They lied telling me I will never have to pay maintenance fees again. Lied about earning money from the timeshare such as rental income. They also said I can earn from it by renting it out or reselling it as the resale value would go up. They told me about having some tax benefits similar to owning a second home. Promised things would be positively different each time things just got worse. Everything felt rushed as they did not give me enough time to read and understand the contract. I was not even made aware of their cancellation process like how many days to cancel and such. I asked them about the cancellation and I was told no cancellation. Having this timeshare has just been very problematic for me to the point that I even lose sleep, we experience financial difficulties etc. This has caused us lots of stress due to the problems and issues caused by this timeshare. I was defrauded, scammed & victimized by their predatory sales tactics. This is clearly unlawful deceptive sales and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.

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 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Attempting to utilize the service members civil relief act through my Apple Card, handled by Goldman Sachs. Applied and supplied them with the necessary documentation XXXX times with no resolve. Active duties started on XX/XX/XXXX. First attempt was made via mail on XX/XX/XXXX. Follow up on XX/XX/XXXX via phone and company said the case was closed due to not having the necessary documents. The specialist found the mailed in documents and reopened the case. I resubmitted the documentation on XX/XX/XXXX. Follow up on XX/XX/XXXX revealed that the case had once again been closed. Resubmitted documents on that date. Final follow up with documents submitted occurred on XX/XX/XXXX via email. Still no response from Goldman Sachs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-07 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: NC

Complaint narrative:
In XX/XX/2021 I had XXXX. Due to my illness and delays of service by the US Postal Services, I was late making my XX/XX/2021 payment. 
I made XXXX payments in XX/XX/2021, and paid the account current, however the issuing company then said I was 60 days late, this is incorrect. 
My prior payment history was excellent, without any late payments before or since this one, isolated incident during the height of the XXXX XXXX pandemic and illness on my part and Postal Service Delays. 

I can not help these XXXX issues affected my XXXX time ability to not pay on time.

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 2022-12-07 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: NC

Complaint narrative:
In XX/XX/2021 I had XXXX. Due to my illness and delays of service by the US Postal Services, I was late making my XX/XX/2021 payment. 
I made XXXX payments in XX/XX/2021, and paid the account current, however the issuing company then said I was 60 days late, this is incorrect. 
My prior payment history was excellent, without any late payments before or since this one, isolated incident during the height of the XXXX XXXX pandemic and illness on my part and Postal Service Delays. 

I can not help these XXXX issues affected my XXXX time ability to not pay on time.

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: OH

Complaint narrative:
In XXXX of XXXX I tried to open an account with discover bank. I downloaded the app on XX/XX/XXXX and recieved a message that just said no due to security freeze. It did not state why or provide details on how to review the decline. I don't have a security freeze on any of the three credit companies nor at XXXX XXXX XXXX. 
The online site stated that due to safety concerns they would not open the account. 
I have tried numerous times and yet it still will not function or let me open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
Per FCRA 604A 15 US CODE 1681 B, there never was written consent to report anything and 605A 15 US CODE 1681 C1 without written consent is identity theft. However, the account is paid off and is reporting as both paid on one credit report and derogatory on another. Also it states it a charge off so it can't be all three

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: PA

Complaint narrative:
To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX Card- Account Number XXXXXXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 


Best Regards, XXXX : XXXX XXXX XXXX XXXX Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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:
To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX Card- Account Number XXXXXXXX XXXX XXXXXXXX As XXXX know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 


Best Regards, XXXX : XXXX XXXX XXXX XXXX Prejudice, All Natural Inalienable Rights Reserved

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 2022-12-07 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. 
Please delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible puPlease delete 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 non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Convergent outsourcing is a collection agency that I have no written contract and/or even ever heard of. I previously asked for 1. original creditor 2. any and all signed and dated contracts 3. proof that Convergent can collect on this supposed debt 4. All payments 5. Signature Per the FCRA 604A 15 us Code 1681 B they are anyone has written consent to report anything to anyone and per 15 Us Code 1681 C1 if there is no written consent then that is considered identity theft

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 2022-12-07 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: FL

Complaint narrative:
I have attached 6 letters of accounts reporting to my XXXX credit report which is reporting errors and inaccuracies which is affecting my life.

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 2022-12-07 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: U.S. BANCORP
State: IL

Complaint narrative:
I have XXXX inquiries on my XXXX report on XX/XX/2022 from the same company elan financial. I did not authorize this company to run my credit report twice on the same day. It makes no sense for a bank to run your credit report twice on the same day, I was told that the same information can be used for XXXX days,. I need these inquires removed as they are a mistake and are in violation of consumer reporting laws.

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 2022-12-07 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: NJ

Complaint narrative:
XXXX fail to remove the old address on my report which I stated to them to remove the information on my report, its still on my report. They refuse to move the items off my report thats against my rights.

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 2022-12-07 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: TX

Complaint narrative:
State Income Tax Balance Due Garnishment Order : Account No. XXXX Tax years : XXXX, XXXX Balance : {$21000.00} as of XX/XX/XXXX US Bank has notified me by their letter dated XX/XX/XXXX, received on XX/XX/XXXX that XXXX XXXX California Franchise Tax Board had by their Tax Balance Due Garnishment order Account No XXXX for tax years XXXX, XXXX to withhold {$21000.00} from checking account No. ending with xxx XXXX maintained by me and my spouse XXXX XXXX XXXX. Accordingly they withheld {$210.00} and reported have mailed to XXXX on XX/XX/XXXX after taking their charges. 
We had by our letter dated XX/XX/XXXX informed the Bank that the funds remaining on the account is the Social Security XXXX granted, since year XXXX and that no other income or remittance are there, as we had to close down our small business and had to approach Federal Agency for our survival without any assets or income. We understand by the law, financial institutions have no authority to withhold any sum from the accounts that have only Federal supporting remittance. We may be allowed to state that the funds remained in our checking account is the savings for our Funeral fund and that is saved from the Federal benefits received directly in that account, we still wonder what is their authority to hold funds from that account while the law is specific about, as we understand. We are still awaiting a response from the Bank, presume they have no one above to question their unlawful performance. 

We also wrote to them on XX/XX/XXXX requesting them to provide us our consent to such withholding funds from our checking accounts, but so far no response from the Bank. 

Sincerely appreciate your assistance in resolving our jest issue. 
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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XXXX XXXX XXXX, at XXXX, Chime bank allowed someone to access my account without my knowledge or consent, and proceeded to wire {$5000.00} to an unknown email. The person who did this had a phone number from XXXX, XXXX. I immediately called the bank and filed a police report, disputed all charges, and submitted documentations to the bank as requested. They launched an investigation and tried to tell me that is was not fraud and that they would not be reimbursing me. This is illegal and wrong. They stole from my children. I can not give my children XXXX, food, or pay for bills currently. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: IL

Complaint narrative:
I have two inquiries on my transunion report on XX/XX/2022 from the same company XXXX XXXX. I did not authorize this company to run my credit report twice on the same day. It makes no sense for a bank to run your credit report twice on the same day, I was told that the same information can be used for 30 days,. I need these inquires removed as they are a mistake and are in violation of consumer reporting laws.

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 2022-12-07 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
On or about XX/XX/2022 I made 2 payments totallying {$1800.00} after we worked out a payment plan. The check was returned, so I used my debit card to pay it on XX/XX/2022. Pennymac retried the check and the debit came through at the same time, eventhough it was just about {$2000.00} in the account. This brought my account to - {$2000.00}. My bank sent a request to get one of the {$1800.00} back, which I was told by the company initially they dont do unless it is their fault. One month later I recieved a letter saying I am 4 months behind. I called Pennymac, by the way, this is the mortgage company. When I contacted the company they stated " they reversed the payment in XXXX. I went to the bank because we never recieved the funds. Pennymac said they would investigate were the funds were, they never called my back so, a few weeks later I called them back and was told, " you have to get the money from the bank ''. Again, I went to the bank to inquire about the possibility they somehow misplaced the funds. The bank assured me they did not recieve any funds. Now, they initially said they returned the money in XXXX, which was what was stated on my online account until recently, now it says it was returned the same day I made the payment, which could not be true. Someone at Pennymac had to change the date. All I want is the money to be applied for payments that I am behind, don't understand why the potential cover up. I will include both XXXX and XXXX bank statement, which was requested by Pennymac as well, the negative balance we had to overcome on XX/XX/2022, the bank 's request for the funds and their document that now states it was reversed the same day I made the payment. I highlighted the amounts to make it easy to find.

Company response to consumer: Closed with explanation