vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
In XXXX of XXXX I contacted Exeter Finance and let them know I would be XXXX in XX/XX/XXXX to request XXXX XXXX XXXX. The representative let me know to send in my XXXXXXXX XXXX XXXX paperwork and the request would be processed. She told me to reach back out in XXXX  days to ensure the request was processed. I asked her to explain the benefits and she let me know the following : XXXX. Late payments would be reported to the credit bureau if I become late XXXX. Even if I become more than XXXX  days late, my vehicle would not be repossessed as part of the XXXX benefit. 
XXXX. I was eligible for XXXX deferements as a result of the XXXX benefit. 
XXXX. My interest rate would be updated to XXXX XXXX and any future payment made would be applied based on the updated interest rate. 
XXXX. I would be eligible for the XXXX benefit for XXXX months from the application of the benefit to my account. That would be XXXX XXXX to XXXX XXXX. 

I reached back out to Exeter finance on XX/XX/XXXX and spoke with a representative. She stated that my orders had been received and my request would be processed and I would receive a written notice as well as an email from the XXXX team when the request was completed. The email would be sent to the email address on my account and I confirmed the address. 

On XX/XX/XXXX, I would injured in duty and was put in a XXXX XXXX XXXX I was initially released on XX/XX/XXXX. I contacted Exeter XXXX on XX/XX/XXXX to inquire because my credit report was saying that I was not XXXX days behind on my payment. The representative I spoke with states she did not see any notation that I let anyone know I was XXXX and/or requested SCRA coverages XXXX She also let me know that my vehicle had been picked up and towed and was ready to be auctioned. She stated unless I paid the full remaining balance, there was nothing I could do at that point to stop the sale of the vehicle and that I would be responsible for the remaining balance. 

I called and spoke with several supervisors at Exeter finance from XX/XX/XXXX to XX/XX/XXXX to plead my case for XXXX benefits, but was denied because my vehicle had already been repossessed. On XX/XX/XXXX, I was reinjured and in a XXXX XXXX center until XX/XX/XXXX when I was released from XXXX XXXXXXXX duty. 

I have since contacted Exeter to resolve this matter by phone with no resolution as well as disputing this account my credit report. All of these actions are in direct violation of the XXXX benefits available to me. My next step is to file a suit with the Department of Justice for non compliance of Exeter to assist me with these benefits and the unfair reposession and account balance that is now on my credit report. 

This inaccuracy needs to be removed immediately as I am entitled to my credit report being correct and free of inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
This complaint is not a duplicate. This is a new complaint based on continued issues with newly purchased card. Gift card was purchased on XX/XX/year> and attempts to make purchases were made on XX/XX/year>. Upon use of the card ending in XXXX, transactions were blocked at the merchant and subsequent merchants. It has been determined that there is a systematic scheme in place to purposefully deny use of the cards. I have attempted numerous times to use the card and resolve its issues with Incomm but to no avail. Incomm tells me to use the card at another merchant despite my attempts at different merchants. If a purchase attempt was at a specific merchant, why would one try to use it at another merchant? For example, if I was looking to pay my electric bill with the gift card, why would the solution be to NOT pay the electric bill and pay different merchant? Why am I not allowed to pay my electric company? This same issue is present with previous cards purchased. So instead of more replacement cards, I am respectfully requesting that a check with the purchase fee be sent to my address. 

Attached is copy of the receipt of the gift card purchase and the gift card itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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 have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, a charge of {$2900.00} appeared on my Wells Fargo credit card. The following day, the vendor voided the charges. However, Wells Fargo did not reimburse the vendor for the voided amount. Instead, they charged me {$2900.00} on my account and have been collecting interest on this unpaid sum. Despite my numerous attempts to contact them through phone calls and emails, the issue remains unresolved.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ive been trying to get over draft fees removed from my account that were charged in error. Wells Fargo does not abide by their extra date of grace. Before assessing these extra fees to a customers account. I was charged XXXX overdraft fees on XX/XX/24 and XX/XX/24 after reviewing my account, these fees were assessed for XXXX transaction that posted to the account on XXXX and XXXX other transactions that posted on XX/XX/24. However, my account had funds to post to my account on XX/XX/XXXX that took care of the negative from XX/XX/XXXX transaction for {$24.00}. My account went back into the positive for {$200.00} however Wells Fargo still charged me a {$35.00} fee for that transaction. In total, I was charged XXXX overdraft fees for transactions that hit my account on XX/XX/XXXX and again on XX/XX/XXXX each of these occasions my account had funds that posted to my account however, I was not giving the extra day of grace for the transactions that hit my account on XX/XX/XXXX my extra day of grades would have been XX/XX/XXXX with the fees posting into the account for XX/XX/XXXX. None of those fees were posted on XX/XX/XXXX each of these fees from my XX/XX/XXXX transaction posted to the account XX/XX/XXXX and XX/XX/XXXX. Again for the transactions that hit my account on XX/XX/XXXX again my extra day of grace would have been XX/XX/XXXX with the fees posted to the account XX/XX/XXXX. However, I was assessed fees on XX/XX/XXXX and XX/XX/XXXX, so in both instances, Wells Fargo did not give me an extra day of grace, but I was charged these fees immediately when my account went into the negative and I requested that those fees be credited back to my account. Wells Fargo is not honoring their XXXX and XXXX policy that your account must be in the positive by the next business day XXXX XXXX XXXX time. However they are just charging these fees and its not fair to us the customers.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documents and Clarification on Debt Collection Practices Dear CACi I am writing to express my concerns regarding the recent debt collection communications I have received from your agency. I believe there XXXX be elements of extortion in the process, along with federal and state law violations. I am seeking clarification on the matter. Upon doing a forensic audit on account XXXX that is reporting to my credit file I have determined I have no record of business with CACi. According to my credit file the original creditor for this account is Simple Fast Loans. I have never given consent to CACi to satisfy any debt on my behalf. CACi satisfied the debt obligation with Simple Fast Loans and is now trying to extort me for an extension of credit which is a violation of XXXX XXXX XXXX. ( Heavy penalties for this crime. ) The company has sent out correspondence, and has placed this account on my credit file, ruining my character and harming my familys general mode of living. I request immediate clarification of this debt and an explanation of your collection procedures. I am prepared to take appropriate action which includes seeking criminal and civil penalties to address this matter. 

Documents I am requesting : -Official affidavit of debt. 
-Im requesting that CACi show me you are the original holder in due course of this debt. 
-All accounting records on the public and private side using generally accepted accounting principles ( XXXX ) that prove I owe this debt from the time the account was open until now XX/XX/24. XXXX XXXX XXXX, XXXX. ( Billing statements and a contract isnt proper evidence to prove debt. ) -Master purchase agreement between CACi and Simple Fast Loans. I would like to read the terms of the agreement. ( A bill of sale is not sufficient. ) -Show that each condition was met under XXXX XXXX to report my non public personal information to non affiliated XXXX parties. ( XXXX, XXXX, XXXX. ) -documents to debt collect in the state of XXXX XXXX 

If CACi will not comply fully with my demands I will proceed forward with my desired remedy to get this account removed from my credit file which I stated above. In addition, Ill be submitting copies to the XXXX, XXXX XXXX XXXX the XXXX  ( FTC states not having proper consent is identity fraud. ) I need the address to the registered agent to CACi to send legal notices in the event CACi does not comply with my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA XXXX ( XXXX U.S.C. XXXX ), requesting TransUnion, XXXX, and Transunion to XXXX information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : XXXX. An inquiry at The XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry at The XXXX XXXX XXXXXXXX XX/XX/XXXX, These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the XXXX Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and 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 non-monetary relief
Consumer complaint received 2024-07-29 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:
- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA XXXX ( XXXX U.S.C. XXXX ), requesting XXXX, Equifax, and XXXX to XXXX information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : XXXX. An inquiry at The XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry at The XXXX XXXX XXXXXXXX XX/XX/XXXX, These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the XXXX  Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The company XXXX XXXX XXXX Citi Bank ) claims that i had a bank acct connected to credit card. that was impossible i was incarcerated from XXXX XXXX to XX/XX/year> with no access to a bank acct.. XXXX XXXX # XXXX CR XXXX is solid proof of my incarceration with no access to open acct or bank accts. 
Furthermore, XXXX XXXX has violated CFPB ruling on an enforcement order by using a dark pattern to dupe Americans into subscription plans. ( putting unfounded damages onto my credit report.. Lastly this company has never responded to send me a XXXX that I have previously requested. 
Since they claimed this is a charge off acct.

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 2024-07-29 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-29 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: FL

Complaint narrative:
I need your assistance with this incorrect account listed on my credit report. This issue is harming my reputation, and I require your support.

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 2024-07-29 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was charged XXXX by PayPal and left a. Negative balance When I ask what its for I dont get an answer The money that went from my bank account to PayPal XXXX not go towards any balance owed Also XXXX charges for XXXX are not legitimate charges I have called with no help at all XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation