vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
With XXXX XXXX Credit Card they are showing late payments during COVId I moved hadn't gotten bills and asked the to remove the negative and they haven't it's 3 negative not payment history under 15 US Code 1666 late payment can be removed USAA is credit Card that I didn't open o had a family member who live with during the time rhat cards were opened and they obtained my information and got the Card ran them up then left I need this removed as they have been Charged off with 15 U.S. Code 1681 C-1 Section 604 A and section 605 B C-2 the laws protect against stolen identity I would like to have them removed for employment purposes I work hard to keep my credit afloat

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
With XXXX XXXX Credit Card they are showing late payments during COVId I moved hadn't gotten bills and asked the to remove the negative and they haven't it's 3 negative not payment history under 15 US Code 1666 late payment can be removed XXXX is credit Card that I didn't open o had a family member who live with during the time rhat cards were opened and they obtained my information and got the Card ran them up then left I need this removed as they have been Charged off with 15 U.S. Code 1681 C-1 Section 604 A and section 605 B C-2 the laws protect against stolen identity I would like to have them removed for employment purposes I work hard to keep my credit afloat

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 2022-12-01 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: KY

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. 

Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 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 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 2022-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: OK

Complaint narrative:
Hello, My loan repayment recently went up from {$860.00} which was already a difficult payment but manageable to {$1300.00} ( XXXX  is the due date ). When I called Salliemae to discuss lowering it back down the only offer received was Forbearance or a Graduate repayment program which lowered it to {$1100.00} for 12 months but then payments would increase afterwards. I cant afford to make these payments. I told them this and I was told We cant discuss adjusting your payments until your account is in collections. Im trying to be proactive and not have my accounts go into collections.. Im also trying to be responsible and do the right thing in paying my loan back. Im just currently unable to afford making those payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have another complaint filed with you against Citibank Wayfair credit card too!!!! They are STILL harassing me by phone and email!!!! I told them to " CEASE AND DESIST ''. Yet they continue to send me illegal emails saying they have updated my phone number as I asked, which I did NOT ask them to do, they are trying to trick me into responding to them!!!! Make them STOP CONTACTING ME NOW!!!!! They are breaking the FDCPA, sue them and shut them down!!!!! Enforce the laws!!!!! I have NEVER given them my authorization to contact me by email, and told them I did not want to be contacted by phone either, ONLY by MAIL!!! Now I am telling them to " CEASE AND DESIST ALL COMMUNICATIONS '', because they are obviously ignorant and do not respect boundaries!!!! Nor do they follow the laws!!!! Make them STOP!!!!!

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 2022-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frost-Arnett Company
State: OK

Complaint narrative:
On XX/XX/2022. Frost-Arnett contacted my wife by text message about a XXXX  debt that I have never seen or have been sent any info for. I have never had any dealings or done any business with Frost-Arnett XXXX They sent two separate XXXX XXXX containing a medical debt that I have never been billed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
I purchased this car in XX/XX/XXXX and at the time had no idea we were going to face a tremendous hardship around the country. 

Covid 19 hit and I had a late payment in XX/XX/XXXX due to reduction in hours and we had to go work from home and was at home with no work until they got us set up for work at home. 

This company is the worst to deal with and I have tried to ask for some type of care and concern due to this unexpected event in our country. 

They have horrible customer service and I have been trying to reach CEO to get assistance to no resolve.

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 2022-12-01 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: MD

Complaint narrative:
Please see the attached documents which indicate the items that need to be removed. Thank you.

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 2022-12-01 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: Falls Collection Service Inc.
State: IL

Complaint narrative:
No consent is identity theft! I have never given this company consent to use, obtain or share my private medical information. According to 15 USC 1692c ( a ) 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 The privacy rule of XXXX and the XXXX act of XXXX also prohibits certain information ( XXXX XXXXXXXX XXXX ) from being shared without the consumers consent. My medical information is private information and should not be broadcasted on my consumer report or anywhere for that matter without my consent. 

I am demanding this company to remove this account from my consumer report immediately and to cease any further communication and collection efforts by/through all means except the United States Post Office . 

I will be filing complaints with my states attorney general office, the collection companys states attorney general office, the Federal Trade Commission as well as The Department of Health and Human Services. 

Should we not resolve this matter amicably, I wont hesitate to escalate this matter to the further extent possibly allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
This vehicle was sold in a lien sale approved by the creditor. They were notified in 2018 of the sale of the vehicle. They continue to leave the account open, they wont update the value of the vehicle since its sale. 

This account has not been in collections or repossessed since its sale. They are reporting a car on my credit that should no longer be considered an open loan. The car was towed by the city while my spouse at the time was XXXX. He attempted to put in a request to have the loan XXXX due to his XXXX. They did not respond, they offered a settlement but why would we settle on a car they signed off on selling. The tow company received approval from them to sell the vehicle. They have failed to update the accurate value of the loan since the sale Ive made several attempts to have the status updated.

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 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NY

Complaint narrative:
I Consumer and natural person am a victim of identity theft. Experian, has used and furnished my consumer report without my consent or written instruction. Experian has neglected my rights as a consumer by allowing companies to share my non public personal information without my consent. Experian has also used this information to furnish an invalid consumer report. XXXX makes it clear that as a consumer i have a high to privacy. This credit reporting agency which is also considered a financial institution has violated my federally protected rights as a consumer and has benefited off of this action.As a consumer I have rights to privacy and Experian has violated my rights by failing to meet the needs of XXXX by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. Experian is in direct violation of XXXX XXXX XXXX ( b ) by furnishing a consumer report on my behalf and failing to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates. Experian is in direct violation of XXXX XXXX XXXX in which I have not authorized, consented or given any direct written instruction for Experian to report these inaccurate accounts on my consumer report leading to identity theft. Their Wilfull noncompliance which is a direct violation of XXXX XXXX XXXX has caused me actual damages and severe XXXX. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. Experian is in direct violation of the FCRA law XXXX by not holding up to its responsibility when furnishing consumer reports. Experian is in violation of multiple laws under the FCRA and is also in direct violation of the XXXX XXXX XXXX XXXX of 1999.

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
" Care Credit '' is a credit service offered to mostly low income people. It can be applied for veterinarian services as well which is very helpful. 

Last year, my neighbor 's dog attacked and almost killed my little dog. They did not offer to help me with the bill. It was over a XXXX dollars. I did not have the money so the vet suggested Care Credit XXXX Synchrony Bank ). I was approved but with an enormous interest rate of 26.5 % percent. This is predatory. This is Synchrony Bank forcing extremely high interest rates on low income people in need. Per pretty good credit since, I requested Synchrony Bank reevaluate and consider lowering my exorbitant and predatory interest rate. They just responded that they refuse to do this. 

" Care Credit '' is a misnomer and people need to stop referring low income people to this credit service. They in fact prey on low income people and their interest rates are predatory. They have also charged me at least {$29.00} in fees! I can't get an explanation why. I am asking CFPB to help me in negotiating a lower interest rate and get an explanation why the fees?. I can say my goal is to pay it off as soon as I can and close the predatory account and never use this credit service again. Thank you.

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 monetary relief
Consumer complaint received 2022-12-01 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:
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 Acct Number : XXXX XXXX Acct Number : XXXX XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2022-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did an investigation on my credit report which is causing me so much stress. I pulled my credit report from XXXX XXXX XXXX and I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XXXX I mailed a certified letter to you about a inaccurate account on my credit report. I checked my credit report to see that the account was not deleted or updated. On XXXX I sent a certified letter again to do a reinvestigation on the same account that was showing inaccurate information. It shows that the letters were delivered and the accounts were not deleted or updated again. It has been over the 30 day time to rectify this inaccurate information and they refused to do it. 

Here is the account : I sent This letter to Equifax, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, XXXX reports date XXXX and Equifax reports date XXXX. Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report I underlined and highlighted the error as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX {$120.00}. Telephone creditor and asked why not reported. They replied they have a freeze on notifying the Credit Bureaus of any updates to the account. The account is at a {$0.00} balance, but the report still shows I have a balance.

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 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2022, I notified Citibank of a dispute with a purchase made on the account on XX/XX/2022, in the amount of {$490.00}, and on XX/XX/2022, and XX/XX/2022, upon request, I provided a detailed explanation, in writing, of the dispute. However, on XX/XX/2022, I receiver a letter from Citibank stating that " we have received your recent correspondence regarding the above transaction however, we are unable to intervene on your behlaf. Without a valid Cancellation Proof, we no longer have any recourse to obtain a credit for you through XXXX XXXX. You must contact the the merchant directly to puruse this matter further. '' By letter dated XX/XX/2022, I notified Citibank that it miscoded the dispute, and reiterated the basis for the dispute. Specifically, I explained that " this was a face-to-face transaction. The service was promised on XX/XX/2022 ; however, it was not received nor rendered on the date promised. Furthermore, I did not agree to any of the merchant 's terms and conditions, and did not sign any documentation provided by the merchant since the service was not received nor rendered on the date promised- which is proof that the service was not received nor rendered on the date promised. '' I also advised Citibank in that same letter that " the sale transaction reeipt was not signed authorizing the merchant to charge the transaction to the account. '' I therefore requested that that merchant provide a valid cardholder signature that authorized the transaction to be charged to the card. I pointed out that " unless the merchant is able to do so, it is not entitled to retain the funds and this transaction must be charged back to the merchant. '' Despite this correspondence, Citibank has failed to do anything or take any action to resolve this dispute.

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 monetary relief
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/2022, and XXXX XXXX XXXX  but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation