vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding has been placed an account on my credit report that I have no knowledge of. When asked to validate the debt they refused. I refuse to pay this debt and I do not owe it. I am not liable for the debt and LVNV Funding and I do not have a contract

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Quality Asset Recovery LLC
State: FL

Complaint narrative:
XXXX XXXX has been placed an account on my credit report that I have no knowledge of. When asked to validate the debt they refused. I refuse to pay this debt and I do not owe it. I am not liable for the debt and XXXX XXXX and I do not have a contract

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I came into some hardship at the beginning of the year. If you look at my payment history before the beginning of this year I paid on time every month. I called the company on XXXX XXXX XXXX XXXX while my account was behind asking for help to bring my account current. At that point the representative said they can NOT help me because I need to bring my account current. I gathered all my little pennies and borrowed some money to bring this account current. Within 2 weeks I manage to make 2 payments, one of XXXX after which I was hit with an annual fee and a maintenance fee totaling XXXX on XX/XX/XXXX I went into my account and a window popped up saying if I made a payment of XXXX I would bring my account current. I made the payment of XXXX on XX/XX/XXXX but now my account still has a balance of XXXX due XX/XX/XXXX. I called the company to explain that since I have already made 2 payments totaling up to over XXXX it is impossible for me to make another payment of XXXX by XX/XX/XXXX. I asked them for help. asked them if they can extend my due date or something to that matter so I can have time to come up with the payment. They refuse to help me, they said all I paid was my back payments due and now I have to pay the payment that is due now. I dont understand how I made a payment of XXXX supposedly as they stated on their site to bring my account current but still owe a huge amount due in a few days. They said because my account is current they can not help me. Contradiction to what they had said before. They repeated the same information I already knew over and over again. My balance, my due date and they couldn't help me. My other creditors were more than willing to help me but I don't understand why this company refuses to help me when I have been a good paying customer for a long time. I asked to speak with a supervisor, XXXX XXXX XXXX XXXXXXXX is the supervisor I spoke with and all she did was repeat what the previous agent said. I asked if she can extend the due date to give me time to come up with the payment. I want to bring the account current and keep it current but its impossible if they keep adding on fees. I will get another late fee if I don't make the payment by XX/XX/XXXX. This is really stressing me out really bad. I feel like I'm spinning my wheels with this company. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My auto loan was set up with automatic payments for the life of the loan. I recently paid off the loan. JP Morgan Chase allowed additional money to be withdrawn from my personal checking account above and beyond the payoff amount. They did issue a refund check for the overage amount which has still not arrived 30 days after the withdrawal. In addition, they did not disable the automatic payment function associated with the loan, and once the loan closed they removed the functionality on the website that would enable me to manually cancel the automatic payment myself, and so I have had to manually work with both JP Morgan Chase and my personal bank XXXX XXXX XXXX to ensure additional money is not withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year> at XXXX XXXX I sold my vehicle and attempted to deposit {$1400.00} into my checkings account at the XXXX ATM in XXXX XXXX Ohio. An error occured with the ATM and a message pops up saying " Your cash was not taken in time. To protect your accounts. I've pulled your cash back in. Contact your financial institution. " ( Picture Attached ) The same day I contacted customer support to get a dispute opened, and was told they will be doing research. After weeks of waiting I was given a temporary credit which I had no clue it was temporary credit until the money was removed from my account. The next day after removal of the funds I recieved a letter explaining they couldnt find anything during the investigation and would be removing my funds XX/XX/year> although it was already XX/XX/year>. Keep in mind this was at a official Huntington Branch ATM with lots of cameras that can clearly picture me on the day and time i've provided, which would be evidence that I put money in the ATM and no transaction occured. Feeling hopeless I went to the same XXXX XXXX Huntington branch on XX/XX/year> to discuss the closing of the dispute and they ended up reopening the dispute. After speaking to XXXX of the bank tellers she said over her 4 years of working she has heard of multiple occurances of this exact situation. It is now XX/XX/year> and I have contacted the XXXX XXXX XXXX again to find 6 days later there is still no update. This has been an extreme inconvience causing me to borrow money, use credit cards for bills, paying student loans and stops me from being able to buy supplies for a XXXX printing side hustle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: OH

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Driveway Finance Corporation
State: MS

Complaint narrative:
My daughter car was total out because someone hit her on her way to work. Driveway sent the insurance company a quote but it was not a quote to pay off the car. Driveway still have my daughter owing {$3300.00} and I co -sign for her. I would like to file a complaint because the company fail to quote the correct amount to the insurance company so the car could be paid off fully. Also, they was still reporting late payments on the car after the car was total out ( destroyed from the accident/ not drivable damage ). The car was total out and the company Driveway quoted the insurance company the price of the book value. I daughter XXXX XXXX XXXX because she had no transportation to and from work. They reported inaccurate information on my credit report and daughter credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given WAKEFIELD & ASSOCIATES I prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, WAKEFIELD & ASSOCIATES I, XXXX, XXXX, or XXXX written permission or consent to obtain my information or to furnish my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX XXXX XXXX XXXXXXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-04-23 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: GA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX/Citi have been sending me account statements yet XXXX  is attempting to enforce a debt which they themselves stated doesn't belong to them. XXXX/Citi also have refused for several months to allow me to pay and have refused to process my payments over the phone, are have been refusing me any method by which I can pay online. I called XXXX/Citi many times but they refuse to stop spouting irrelevant nonsense and also they are adding fraudulent " finance charges '' and other bogus fees to my statements for what has been their own continued to refusal to let me pay any part of my alleged account balances. XXXXCiti is committing fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax continues to violate my consumer rights by telling me that verified fraudulent information in my credit report .I sent in a complaint. Equifax did not provide any proof or any documentation that the fraudulent accounts listed below were open by my. further more Equifax has my name wrong. my name is not XXXX XXXX XXXX. 

The reporting of these account ( XXXX ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : XXXXXXXX XXXX Date openedXXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Date openedXXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX Date openedXXXX XXXXXXXX, XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting an account on my consumer report that is in relation to a voided contract. A contract between myself and XXXX XXXX XXXX XXXX has been rescinded and no longer exists. Once a contract has been rescinded, the contract and contractual obligations no longer exist. The contract has been voided for over a year and Equifax continues to report the account on my consumer report which is a major violation. This inaccurate reporting goes to prove that Equifax has not investigated or verified any of the information it has been furnished and is furnishing to others that greatly affect my financial health status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Sat. XXXX. XXXX I attempted a XXXX transfer to my son XXXX XXXX for {$1000.00} and it " indicated failed ''. XXXX said probably because it was an old Ph XXXX 
On the following day Sunday XXXX. XXXX I saw {$1000.00}. less in my account. XXXX said he did not receive it. 
I did not receive any notification from Chase Bank the transfer was made. On XXXX XXXXXXXX. XXXX I went into the bank and the teller said it was " pending '' likely would be returned to my account. I requested to cancel and she said she could not do that. 
Later in the day I saw online it said " delivered ''. I called customer service. Referred to claims and they said they would investigate. It was SENT TO SOMEONE ELSE that had acquired his old ph XXXX. Not even the same name. However I have a screenshot that says to be delievered on XXXX. XXXX! And the name XXXX appears under XXXX 's. Registered as XXXX. What is this? So it could have been canceled. I sent a request to have it returned to me, but no reply and it has expired. No answer as why no warning on safety to send money to ONLY a phone #. Who would know? I called every few days and got nowhere. Nothing in writing. Not even on my account page that there was a claim submitted. No warnings to use an email address instead of a phone XXXX. I think it is negligence the bank would do this. I am XXXX XXXX XXXX and I trusted my bank of 30 years to protect my money. I want it returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I used my card for a purchase of XXXX XXXX XXXX XXXX. I had already met my minimum payment for the month and I was only using the card for convenience purposes as I had the cash in my bank account to pay for the XXXX XXXX  purchase. I made a payment the same day XXXX XXXX XXXX XXXX Citicard processed the payment before the charge even though I made the charge before the payment. This made it so they could charge interest on the XXXX XXXX I didnt realize it until today. I contacted them and asked if they would reverse the interest on the XXXXXXXX XXXX as I had paid it the same day. They were not empathetic and refused to reverse the interest. Not only that but they then ridiculously offered to reverse it but only if I paid the current statement balance which is over XXXX XXXX  which is including the XXXX XXXX! They are using unethical business practices and stealing money from customers. They are awful at providing customer service.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need to verify this debt on my credit. I have no knowledge of this account. This account is hurting my credit 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
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 2024-04-23 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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