vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Great American Finance Co
State: TX

Complaint narrative:
We purchased furniture at XXXX XXXX who stated we were approved for a line of credit through Great American Finance back in XX/XX/2020. My husband contacted GAF at to see when payment will be due he was told that statement wasnt generated it can take up to 45days for first statement to generate and that we will receive statement in the mail of when payment is due and the amount. We never received statement we have been staying at the same address since we acquired the furniture.We then reached out to GAF in XX/XX/2020 regarding not receiving statement and how it shows they have been reporting late payments/nonpayments since XX/XX/2020. I made a {$300.00} payment at that time, as well as provided the correct address-and asked rep if late payments can be removed since we never received statement rep stated no we would just need to make payments here on out to avoid further negative reporting. Still to this day have not received a statement at my correct address. I have tried to settle this acct for what I deemed reasonable. I dont think its fair that GAF can report negatively on someones credit when they have not provided them with the correct information to pay the bill on time. The address they have on record is still not the correct address after providing them with the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
Initially I called into Sallie Mae to get options on lowering the payment because it was not affordable due to my son not working for a long while and just landing a part time. Currently I am on medical. It was maybe toward the end of XX/XX/2023 I asked about lowering the interest rate and anything else that could be done. The rep told me about the interest only for 6 months but would need a payment that same day which I was not able to make. I advised to think on and would call back, she claims would document the conversation. 

On XXXX XXXX XXXX I reached out to Sallie Mae since I am the co-borrower and making monthly payments out of my account on behalf of borrower. The representative was difficult to hear because of the poor connection. She proceeded to re-read and continue with her script after I advised her numerous times I couldn't hear. I also asked about a loan modification and she evaded the question and proceeded with reading the script and continuing with the call. It was the most XXXX process in trying to secure a lower monthly payment. It was not fairly positioned nor was I given the opportunity to learn about a modification before being placed into this short term band-aid. Finally I spoke with a supervisor and all she could do is apologize and transfer me directly to the loan modification team. The representative went through the process of asking me questions, putting me on hold. I don't understand why my credit has to be pulled when asking for a loan modification on behalf of my son who is barely making enough to cover any of his own expenses. He is the borrower and his credit and income should be the main consideration for a modification. It is humiliating enough to have to make these phone calls and then get placed into the wrong products. We want to pay what is owed but not for 6 months then back at the drawing board where Sallie Mae is trying to further gouge the private loan customers because the federal loan products are being forgiven. 

Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: GA

Complaint narrative:
I reviewed my XXXX XXXX and noticed I had some transactions that are reporting late on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments with the following accounts : XXXX XXXX : Account # [ XXXX ], XXXX XXXX  : Account # [ XXXX XXXXXXXX XXXX : Account # [ XXXX ], XXXX XXXXXXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX : Account : [ XXXX XXXX XXXX XXXX XXXX XXXX : [ Account : XXXX ] XXXX 

Please investigate and provide proof with statements showing that these transactions were late. If proof can't be provided I demand that these payments be updated on time with no late payments reporting at all as they should be as I was NEVER LATE.

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 2023-02-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
I use chime for banking services. Woke up this morning to emails of my account closure. I had most of my money ( {$7000.00} ) in my chime credit builder card. About XXXX $ was in my checking account. All I did last night was transfer XXXX $ to my XXXX account for a XXXX XXXX subscription I have. Woke up this morning unable to access any of my accounts. Cant pay any bills or be at appointments that I was scheduled to be at. No communication with them regarding what the issue may have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Name : XXXX XXXX XXXX : XXXX Phone : XXXX Email : XXXX Account # XXXX XXXX XXXX payment date : XX/XX/2022 15 USC 1681 - ( 2 ) ( A ) ( 1 ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a Transaction.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

You are NOT allowed or permitted to furnish any type of reports that contains bank statements or any experiences or transactions that I have with your financial institution as the LAW clearly states above this paragraph please immediately remove the late payment reporting that was furnished to the credit reporting agencies/ XXXX, XXXX, Trans Union.

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 2023-02-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
PLease take a look at the attached letters and ID docs for verification that it is 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 explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I received a note saying I owe {$870.00}, this is INCORRECT! I owe you all NOTHING!!! This information is false!!!!!!! I would like to dispute this now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
They are reporting this account was open in XXXX  the date of delinquency was over 2 years ago almost 3 Ive asked it to be fixed and it hasnt they refuse to send me statements and they called XXXX XXXX XXXX  and have her all my personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
After several failed attempts to work with Experian on the update and remove inaccuracies, this is my last stop before litigation. Experians ' lack of process in properly verifying inaccuracies in my report has caused damage to my character, reputation, and my ability to acquire a mortgage. Most recently I mailed out disputes certified to Experian on XX/XX/2023. These disputes were received and signed for on XX/XX/2023 ... After a few days, I started receiving emails stating that I did not send the disputes and they refused to process them, attached with the dispute was a copy of my INDL, MY SSC, a Copy of my Utility Bill, and a notarized letter, stating these disputes are being requested by me... Furthermore, Experian has failed to process a proper dispute, just simply stating items are " verified ''. Upon requesting the method of verification, no information has been provided. This requires Experian to remove ALL items disputed. When I tried to refile the dispute, by uploading the documents per instructions on web site. I received an error stating the site was down... I then called and spoke to an agent named XXXX on XX/XX/2023. She stated that she checked with the IT team that no error was found and that the upload site was working properly. When I asked why and what I needed to do for further disputes to not be denied. She stated that I needed to attach the documentation showing that it was me. After looking at the disputes she stated that she was able to view the letters and that she saw no reason why they were not going to be processed. She then asked someone on her team to see why there were turned away. she came back and stated, " THEY WERE DENIED BECAUSE THEY APPEAR TO BE SUBMITTED BY A CREDIT CLINIC ''. I use tax software to help with my taxes, as well as software to help with my disputes. This delay is considered a willful disregard of my rights as a consumer.

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 2023-02-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the FCRA, 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 has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate, an account that was file on bankruptcy has inaccurate dates, the balances are wrong and etc. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
I took out a loan with Justice Finance in XXXX Texas. I lost my job and was unable to keep up with payments. Since I have been unable to make payments, they have been contacting relatives, who have nothing to do with the loan, and disclosing information pertaining to the loan, as well as making disparaging comments. The last time I spoke with them, I informed them that my Father had died, and that I was in the process of making arrangements for the funeral, as well as that I was still unemployed. This week they contacted my Mother, and made the comment that I owed them money, and that " I had the nerve to say that I was dealing with a funeral. '' I NEVER gave consent for them to discuss my loan or circumstances with anyone other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've had my Credit Card with Capital One going on 3 years ; and most recently ; I was double-charged by PODS, and then a couple of days later ; Charged with another Charge I tried to dispute. The problem XXXX with the Customer Svc Agents ; first when you call you get someone in the XXXX and they want to know your Full Social Security Number and your DOB ; and when you refuse and ask to speak to someone in the U.S ; they hang-up on you. When I finally ( after XXXX calls ) got someone in the Credit Card Dept ; I was disrespected, with unprofessional language ; and to make things worse ; they refused to assist me. The final time I called ; I asked to " Close my Credit Card Account '' and they have not closed it ; in-fact they have issued me another Credit Card ( which I never received ) and now Capital One is allowing charges to appear on that New Credit Card ; without my authorization.

I sent 3 Emails and 2 Letters to the Corporate Office and asked to " Close my Credit Card Account '' and all I get is more disrespected calls from agents claiming to be in the " Escalation '' Dept ; but never resolving my issue ; nor my Disputed Charges.

This is illegal in the State of Florida ; and I plan to file a Formal Complaint with the Attorney General 's Office of Consumer Affairs. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: NV

Complaint narrative:
( New and Updated Information ) Please see attached documents. TransUnion Deletion Notice XXXX XX/XX/2023 Credit Report per FCRA the " creditor '' / " company '' must supply the same information. 

Fraudulent Inquires on report I did not authorize for the companies to pull my consumer 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 2023-02-06 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: IN

Complaint narrative:
Thats by law USC 1681 and USC 1681S2 I have the right to privacy and did not authorize these being put on my credit report and would like them removed Reported : XXXX XXXX, XXXX + {$320.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation