vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NE

Complaint narrative:
Was off work from XX/XX/XXXX till XX/XX/XXXX due to medical reasons had XXXX XXXX done. During that time period I was making my payments even though I had no income rolling in. When it got to XX/XX/XXXX I was running short on money I asked for an extension on my car loan it was granted until the XXXX of XXXX I made a payment in XXXX I made all the payments except XXXXXXXX XXXX XXXX was made and then reversed because for some reason it took them almost two weeks to take the payment out of the account and it was no longer in there! During all this I thought I was fine so I missed XXXXXXXX XXXX payment some how but made XXXX payment and all the payments since as well as making two payments in XXXX! But they destroyed my credit from XXXX to XXXX by saying I missed 4 payments which is not true I missed two and one shouldn't have been my fault idk why it took them so long to take the money out of the account but anyway after making these payments my statements where not changing they started getting to where I owed more and more and more which don't make sense then the last three months statements they stay the same stating I owe the same amount even when in XXXX I made two payments instead of one I should only be behind one payment not 4 and the amounts are way off they have destroyed my credit and charging me misc charges that I don't even know what they are which pretty much total a loan payment on there own but the amounts never seem to decrease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: IN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-05 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: MS

Complaint narrative:
I called each department and asked for the information that i see on my credit and couldnt get any information. I also have a few errors and misspelled to my name on my report and an address i dont recognize.On my report I see an address from XXXX XXXX XXXX and my name is XXXX I see a misspelled XXXX thats not mines.

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 2024-12-05 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: Cascade CISS Holdings, LLC
State: MS

Complaint narrative:
I called each department and asked for the information that i see on my credit and couldnt get any information. I also have a few errors and misspelled to my name on my report and an address i dont recognize.On my report I see an address from XXXXXXXX XXXX XXXX  and my name is XXXX I see a misspelled XXXX thats not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
This is for a Nordstrom store card. Due to being 30 days late as i was hospitalized with XXXX in XX/XX/year> my mother sent payments in manually to the mailing address for Nordstrom Card services. I have never been late prior to this hospitalization in XXXX. I ask Nordstrom as a goodwill to reverse the late payment as I have had exceptional payment history with them. This is no way to treat customers that were drastically affected during XXXX peek and still made efforts to pay their bills on time.I will like someone to look into my account and attempt to reverse the 30 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-05 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: FL

Complaint narrative:
Unapproved hard inquiries on my credit report are violating 15 USC 1681c-2. Please take action to correct and remove these entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan Motor Acceptance Company is charging me {$2800.00}, XXXX cents per mile overage plus a {$390.00} disposition fee and taxes ( which i said i would gladly pay the disposition fee ) for a total of {$3500.00}, on a lease return. On XX/XX/XXXX I paid for the excess miles at XXXX cents per mile through their website. {$1100.00} was withdrawn from my account along with the last lease payment of {$490.00} on a separate transaction. When I received this end of lease liability statement, I contacted NMAC and explained to them I paid this and the funds have been withdrawn from my account. I was told " I wasn't allowed to buy the miles at a discounted rate less than 30 days from my lease expiring ''. If that's the case I should not have been able to make the payment on their website, and they should have kicked back the charge for {$1100.00}. I was told to send in a bank statement to prove the funds were withdrawn from my account which I did on XX/XX/XXXX. I called back on XX/XX/XXXX and was told the supervisor was going to amend the statement and send me a new bill for the disposition fee and taxes. I called back on XX/XX/XXXX after never receiving a new invoice. I was told it was " escalated " and they had to transfer me. After spending to a supervisor from this new department, he asked for a more recent bank statement to show that the {$1100.00} was never refunded. I sent the email the same day with 2 most recent bank statements showing the withdrawal and the following month, the most current statement showing no refund. They have had my money for over 2 months! Today, XX/XX/XXXX, I received a letter from a dept collector for the full amount! They're not even trying to resolve this or tell me where my money went! I told NMAC I was more than happy to pay what I owe but they are trying to double charge me, and they have been stand offish from the beginning. I am in the process of trying to purchase a property and a hit on my credit for something I didn't even owe would be detrimental.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I purchased fake tickets to the XXXX XXXX XXXX XXXX by XXXX XXXX  XXXX and have plenty of evidence to prove the festival didn't happen. The bank first refunded my money for the tickets which was {$260.00} and today I received a letter that the money will be charged to my account on XXXX, the bank will not help me and said I have to figure it out myself.

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 2024-12-05 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: NC

Complaint narrative:
I did not consent to my personal information being shared with any third-party debt collectors or any other external parties. I was under the assumption that my information would remain secure and private, as per the terms outlined in their privacy policy. The fact that my details were sold or shared without my explicit consent is a breach of my privacy and trust.

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 2024-12-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to my personal information being shared with any third-party debt collectors or any other external parties. I was under the assumption that my information would remain secure and private, as per the terms outlined in their privacy policy. The fact that my details were sold or shared without my explicit consent is a breach of my privacy and trust.

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 2024-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX my PayPal account was permanently limited as soon as I bought {$9.00} worth of XXXX. I have had this account for about three years now and this is the first time I have experienced this issue. This is my personal account, my name, SSN, address, and all my personal information is on this account. I use this account to send money and receive money and to pay for products online that is for personal or for family. I am not able to withdraw any money out of my account after 180 days which is beyond ridiculous. I saw other fellow people who have dealt with this issue and clarified PayPal does not even allow you to withdraw after the 180 days. This is ridiculous, PayPal should not be allowed to hold my money. I have done nothing fraudulent nor anything to not follow PayPal terms. I do not even want to do business with PayPal anymore after this. I would like my money from my account and stay away from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: VA

Complaint narrative:
I recently received a credit alert from Experian that my XXXX XXXX XXXX  XXXX  had been posted as XXXX  days past due. XXXX  days past due in XXXX XXXX XXXX  days in XXXX XXXX, XXXX  days in XX/XX/XXXX, and XXXX  days in XX/XX/XXXX. 

Over the summer, I missed payments in XXXX and XX/XX/XXXX. XXXX  days late in XXXX, XXXX  days late in XXXX. In XXXX, I reached out to XXXX XXXX and enrolled in a 6 month payment plan in order to get payments back of track. The plan was for {$10.00} a month, for 6 months. 

The first payment I made was XX/XX/XXXX of {$10.00} under the payment plan. I thought my account was on auto draft, but I received notice in the middle of XXXX that an XXXX payment was not received. I called XXXX XXXX on XX/XX/XXXX, paid the missed {$10.00} payment and the current due {$10.00} for XXXX. I was told that the missed XXXX payment removed me from the payment plan, and that it would be restarted once the XXXX payment posted. 

The payment posted, and I am back on the plan. However, the late payment status was still reported to Experian for XXXX  days in XXXX ( while on payment plan ), XXXX  days in XXXX ( could be accurate due to payment plan only starting in XXXX ), but payment was made on XX/XX/XXXX while due date was XX/XX/XXXX. My XXXX payment is not due until the XXXX. Do not agree or see how a late payment can be reported for XXXX when payment was made, and especially for XXXX when the payment due date is still 23 days away! 

I called PlXXXX XXXX XXXX XXXX tonight ( XX/XX/XXXX at XXXX EST ), and the supervisor I spoke with apologized for the reporting, but said nothing could be done because I missed a payment in XXXX. Even after trying to explain the details, her only response was that nothing could be done because a payment was missed in XXXX. Even if payments were 60 days late over the summer, and potentially 30 days late in XXXX, they were not concurrent, nor should a late payment be posted in XXXX when the due date is at the end of the month. 

Supervisor I spoke with at XXXX est on XX/XX/XXXX said there was nothing she could do, nor anything the company could do to fix the situation. All because " a payment was missed in XXXX ''. 

How can I get this error fixed on my credit reports, even if it's just the late payment status for a XXXX payment that is still 23 days away?

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 2024-12-05 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: AZ

Complaint narrative:
Please remove all fraudulent accounts.Thank you. 
XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX EXPERIAN

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 2024-12-05 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: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never authorized these accounts, they are fraudulent and I am a victim of identity theft. Please remove them as they are hurting my ability to find a place to live. These 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 2024-12-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never authorized these accounts, they are fraudulent and I am a victim of identity theft. Please remove them as they are hurting my ability to find a place to live. These 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 2024-12-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-05 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: VW Credit
State: CO

Complaint narrative:
In XXXX of XXXX, I reported to the vehicle manufacture and dealer that the vehicle has been unrepaired for an extended period of time and the manufacture provided no support. In XXXX of XXXX, I hired an attorney explaining that we do not feel safe to drive the vehicle and have been forced to purchase a new vehicle. When contacting Audi financial about this they would address the issue via messaging due to the status of the account. Once on the phone they had no solutions or help to offer. At this point the vehicle is being considered a lemon and we are waiting for the manufacture to respond in the meantime we are still paying for a loan with not assistance in terms of an extension or pause in reporting while they and XXXX XXXX XXXX XXXX investigate the issue. 

Audi Financial is owned and operated by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of negotiating a settlement with XXXX. In the terms in the settlement agreement it states In consideration of the offer set out above, XXXX XXXX & XXXX XXXX a grees that any payments made by XXXX  pursuant to the terms of this offer are in full and final settlement of this matter. In addition, XXXX XXXX & XXXX XXXX waives and releases all claims against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Audi Financial Services XXXX XXXX, XXXX XXXX XXXX XXXX, their parent companies, employees, and authorized sales and service facilities regarding the use, service, and repair history of the above-mentioned vehicle. Since the settlement specifically is asking me to wave my rights to take any action against Audi Financial Services. Audi Financial Services is involved in this issue and as such should be taking action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX 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 2024-12-05 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX  Address : XXXX XXXX XXXX. XXXX. XXXX Phone Number : XXXX Fax : XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Phone Number : XXXX Fax : XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Phone Number : XXXX Fax : XXXX XXXX Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
Here as follows are items in error : ACIMA DIGITAL FKA SIMP Account number XXXX Date opened XX/XX/XXXX Account type Lease I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX

Company response to consumer: Closed with explanation