vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: CNG FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report check n go has failed to provide proof of any contracts bearing my signature as well as XXXX has failed and violated the law and my rights to update account status to investigation status 1 ) check n go acct # XXXX -- -remove acct inaccurate reporting 2 ) XXXXXXXX XXXX  acct # XXXX -remove acct inaccurate reporting XXXX ) XXXX XXXX XXXX auto pay never been late please correct In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: OneMain Finance Corporation
State: DE

Complaint narrative:
XXXX has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report XXXX XXXX XXXX has failed to provide proof of any contracts bearing my signature as well as XXXX has failed and violated the law and my rights to update account status to investigation status 1 ) XXXX XXXX XXXX XXXX  # XXXX -- -remove acct inaccurate reporting 2 ) one main  acct # XXXX -remove acct inaccurate reporting 3 ) XXXX XXXXlate XXXX auto pay never been late please correct In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-09-30 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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Mercedes Benz Financial Services
State: CT

Complaint narrative:
On XX/XX/2022 my balance was overdue and I asked for a deferral that would cover the months of XX/XX/2022 and XX/XX/2022 in which I explained financial hardship from during those times. I was told if I pay a deferral fee of {$200.00} then my application would be processed and balance back up to date. My regular monthly payment of {$690.00} would not be due until XX/XX/2022. 
Although I made several attempts to pay the deferral fee in which I've never heard of before my payment was being blocked via online portal. On XX/XX/2022 I called to enlighten the company that my payment was being blocked and I was told not to worry and just pay the {$690.00} due by the end of the month to remain current. So I made a payment arrangement that day to do so. On XX/XX/2022 my vehicle was repossessed approx. XXXX XXXX  and I could not locate my car for two days. Police had no reports of tows and the company said the system showed no repo. The police told me to report it stolen because by law a repo is to be reported within 4-6 hours. After calling again on XX/XX/2022 I was told they have the car and I only have 5 days to pay repo fees of {$550.00} plus personal property fees of {$1300.00} & owed balance to retrieve it before it is sold on the XXXX day ( XX/XX/2022 ). I asked to speak to someone else and I was told there was no one else available. I let the redemption specialist know my vehicle was taken before the due date and my payments were being blocked via portal on their website. She said too bad, you should find another way to pay us and hung up on me. No options were given and I was told if I try to retrieve my belongings I would be in legal trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America is having technical issues where their bill pay is not showing future or past payments. There is no way to see if a payment was scheduled. 

I called XX/XX/XXXX and was on the phone XXXX ( XXXX ) XXXX, XXXX with a representative of Bank of America in South Carolina for 11 minutes. The representative informed me that there were no scheduled payments on the account ending in XXXX. I asked to confirm because I schedule my payments at the beginning of the year. The representative confirmed there were no scheduled payments for XX/XX/XXXX. I scheduled a payment of {$1100.00} to be sent XX/XX/XXXX. 

XX/XX/XXXX I am notified I have a negative balance on the account. I pull it up and {$1100.00} and {$1200.00} had been drawn out f my account. I spend 1hr and 20 minutes on the phone with BOA speaking with 3 different representatives. The final say is BOA cant do anything about and I will sit with a negative account until XXXX decides to credit the money back. If they do not I am stuck with the transaction even though I did not schedule it. All of these problems are stemming from issues with BOA bill pay system. 

I asked BOA to give a temporary credit to the account until they can resolve it with XXXX which they denied. I was also denied contact information to any decision makers in BOA who could actually make a decision to help.

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 2022-09-30 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: GA

Complaint narrative:
Experian is reporting that I owe {$220.00} to XXXX XXXX which was settled back in XXXX for {$520.00}. They are also reporting a late payment for this year starting in XXXX which has significantly dropped my credit score. I have provided the settlement letter and the receipt for which I paid in my documents as proof.

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 2022-09-30 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: OH

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 U.S.C. 1681 XXXX  account # XXXX XXXX XXXX XX/XX/XXXX {$470.00} # XXXX XXXX XXXX XXXXXXXX account was closed in XXXX {$7800.00} # XXXX XXXX  account closed XXXX {$10000.00} # XXXX XXXX XXXX XXXX account closed XXXX {$110.00} # XXXX XXXX XXXX XXXXXXXX inaccurate falsely reporting claims {$9300.00} # XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX inaccurate information # XXXX The XXXX XXXX XXXX {$89.00} XX/XX/XXXX inaccurate information # XXXX XXXX XXXX XX/XX/XXXX XXXX account # XXXXXXXX XXXX XXXX  XX/XX/XXXX closed account # XXXXXXXX XXXX XXXXXX/XX/XXXX inaccurate information # XXXX XXXX inaccurate {$9700.00} # XXXX XXXX  inaccurate {$7300.00} # XXXX XXXX inaccurate {$4700.00} # XXXX XXXX inaccurate {$3500.00} # XXXX XXXX inaccurate {$3300.00} # XXXX XXXX inaccurate {$3100.00} # XXXX XXXX inaccurate {$2900.00} # XXXX XXXX inaccurate {$2600.00} These XXXX  accounts have all violated my rights. 
15 U.S.C. 1681 section 602A. 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 items of information or any 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 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 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Wolf River Development Company
State: IA

Complaint narrative:
I applied for a loan a few weeks ago and was pre-approved, talk to the agent about doing The bank verification.. she said she couldn't help me and just wait for someone to email me ... After speaking to her all of a sudden I was denied without an explanation... I think they are discriminating based on XXXX... I have emailed them several times for denial reasons with no responses. And the one time they did respond they said we can't find your account. They need to do an investigation into this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -FXXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There are two tradelines reporting on my credit that I do not recognize. The first one from Synchrony Bank that is reporting a balance of {$1000.00} and the other for XXXX XXXX XXXX reporting a balance of {$370.00}. I have never opened any line of credit or have had a loan with them, nor is Synchrony Bank my personal Bank. I have XXXX. I also have never had cable with XXXX XXXX XXXX in 2019 nor do I have a service line opened with them. My carrier is XXXX. I contacted XXXX XXXX XXXX  and they were unable to give me any information on the balance that is reporting on my creit.

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2022 my XXXX XXXX XXXX was activated and ready for use. 

XX/XX/2022 I inquired about my card being declined, later signed onto the account portal and saw that my card balance was reported as $ XXXX. I immediately reached out to support, and received several contradicting inconsistent answers from different support members. One said that my address is not able to be verified and I'd need to submit additional documentation to verify Business operations. I've already submitted an update address form three times prior to receiving the card because they sent the initial card to the wrong address. Another support member said the negative balance is what is available on the card for spending. Then another support member said they can not do anything and, " take it up '' with account verification and submit verification documents once more. 

My card balance as of XX/XX/2022 now states $ XXXX and still no explanation, or contact by support. I warned them that I will submit complaints to legal authorities if my personal or business credit is negatively impacted by their misreporting, and deceptive business 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 2022-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: VA

Complaint narrative:
I just found out from my current student loan servicer XXXXXXXX XXXX XXXX ( XXXX ) that back on XX/XX/2007 my other student loan servicer at that time ( ACS Education Services ) marked my account " disqualified '' for the 1 % interest rate reduction that is normally a borrower benefit program ( BBP ) that occurs " after 36 on-time installment payments within {$5.00} of the installment amount. '' I've discovered that this disqualification done by ACS that was notated on the account back in XXXX  was made in error, as there were no missed/late payments to justify the disqualification. I've verified that all payments were made on time, and this student loan account was always current. I've also verified this with the credit reports from that time. My monthly student loan payments have been on automatic bank withdrawal each month from the beginning. The 1 % interest rate reduction should have taken place in XXXX, and my account needs to be corrected accordingly. 
I can not reach out to ACS as they are no longer a company, and neither is Conduent Education services LLC who took over ACS. Conduent shut down operations in XXXX XXXX XXXX my current loan servicer stated they do not have access to my records from XXXX  as they were not the loan servicer at that time. I'm needing my student loan account corrected to backdate to XXXX  and reflect the 1 % interest rate reduction that should have taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I would like to file a complaint against Chase for their lax security practices that allowed the following cosigner checking account overdraft scam to take place. If they had proper security checks in place, such as requiring the verification of photo-identification in person within a Chase branch, then this situation I have been faced with would not be possible. 

On XXXX XX/XX/2022 I attempted to login to my Chase account via the app on my XXXX and was presented with an error message to say my account is blocked due to suspicious activity. I called Chase and they said I had been added as a cosigner on a checking account opened a month ago, in the name of XXXX XXXX, someone I had never heard of. 

Somehow the fraudster was able to add me as the cosigner ( I assume either online or with fake ID ) on their checking account, thereby enabling them to leverage my credit rating to get an overdraft on the account. They were then able to withdraw 3 amounts, each just shy of $ XXXX, at 3 different Chase branches, resulting in the account going into a negative balance of {$29000.00}. I have filed police report and a claim with Chase to have myself removed as the cosigner on this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NC

Complaint narrative:
I HAVE REVIEWED A COOY OF MY CREDIT REPORT AND THERE IS INFORMATION REPORTING TO MY FILE THAT DOES NOT BELONG TO ME. I HAVE CONTACTED EACH CREDITOR REGARDING THIS MATTER AND THEY HAVE FAILED TO PROVIDE ME WITH ANT ORGINAL SIGNGED CONTRACT UNDER FCRA 609a, STATING THAT I AGREED TO OPEN A ACCOUNT AND PERSONALLY SIGNED MY SIGNATURE AGREEING TO PAY ANY DEBT. UNDER FCRA 605B FRAUDULENT INFORMATION REPORTING TO A CONSUMERS FILE MUST ME PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. I HAVE CONTACTED MY ATTORNEY AND SHOULDN THIS MATTER NOT BE TAKEN CARE OF IN A PROMPT MANNER, I PLAN TO FILE A LAWSUIT AGAINST EACH AGENCY REPORTING FALSE INFORMATION TO MY FILE WHICH HAS CAUSES FINANCIAL HARDSHIP AND STEEAS. PLEASE CONTACT ME BEFORE OPENING ANY ACCOUNTS XXXX THE FOLLOWING INFORMATION DOES NOT BELONG TO ME, PLEASE DELETE IT IMMEDIATELY. 

XXXX XXXX : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 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: IL

Complaint narrative:
I've tried to refinance my car through companies XXXX XXXX suggested me. 
It was pre-qualify applications, that's why i've applied. 
As i know pre-qualify means soft inquiries, not hard ( i read this information from internet ). 

After that, i got a lot of hard inquiries to my account, that's why my credit score dropped from XXXX to XXXX ( XXXX points ). 
I got a lot mails in my mailbox from credit unions i don't recognize. 

I've applied number of times for credit cards, but got denied ( all of this are my applications ), but i didn't give the consent to credit unions to make a hard inquiries to my account. 

That's why i think all this inquiries should be removed from my credit reports,

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 2022-09-30 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: NV

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 U.S.C 1681. 

Account : XXXX XXXX XXXX Account number : XXXX Date opened : XXXX, XXXX Account balance : {$6300.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX Account : XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Account Balance : {$3000.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : 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 items of information, other than the 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 an 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 non-monetary relief