vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
Hello. I purchased a Vanilla Visa gift card on Monday, XX/XX/22. I have tried to check the balance of my card multiple times and I continuously get an error back. I have even tried to call the number on the back of the card for Customer Service and all I do is wait and wait and wait. Minutes to hours with no representative that's not " assisting '' other customers. {$200.00}. {$200.00}!! GONE!! I will never purchase from Vanilla Visa again. I am so upset right now. This card was purchased at a XXXX here in XXXX, PA! I just want my money!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: VA

Complaint narrative:
I started with a company called Freedom Debt Relief. Who claimed that they would help settle my credit card debt for 50 % or more less than what I owed. Work with the creditors to get the settled debt either removed from my credit report or set paid in full. My enrolled debt was {$14000.00} on 5 credit cards. They said they would resolve my debt in a period of 3 years for less than {$10000.00} and by the end of the program they would have all my accouns settled and my credit would be repaired. They did get my accounts settled for less than owed but their fees ( which they didn't tell was going to be near what it was ) 1 account in particular I ended up paying more than what I owed because of their excessive fees. At the end of my program when everything was done my total cost was {$14000.00} and my credit is ruined. Every account that they settled is reporting charge off acount settled for less than owed. Now my credit is way worse than if i had not paid anything at all. I just wanted to get out of credit card debt and getbmy credit back over 700 again. I settled a debt with one creditor myself and paid {$2200.00} on a {$3500.00} debt and they removed it from my credit completely and really helped me. So I could have done everything they did by myself and would have saved a lot more money and got my credit back to good standing. They deceive people and take advantage of people then when you finish the program you may save a little bit but they aren't going to help you with anything related to your credit repair like the man promised they would. I really feel cheated and taken advantage of I mean I could have paid the money to the credit card companies myself and had my credit report in good condition but because of a beautiful lie and false promises I don't know how to get my credit repaired. If anything the creditors could just remove it from my report like XXXX XXXX  did for me. I got it done. So why can't they. Otherwise what did I pay these people for? I could've done the exact same thing they did and it wouldn't have cost me anything. I paid them more than what I owed most of my creditors. They never said anything about charging more than 50 % of the settlement amount. Enrolled debt {$14000.00} settled for {$9300.00} total paid to them {$14000.00} that means that I paid them {$5600.00} in fee 's. So they could destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have never used any Alias.. They have incorrect names on my credit report ..Incorrect addresses on my credit report XXXX XXXX in XXXX XXXX XXXX incorrect.. I have have mailed in certified copies for these purposes including inquiries..

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 2022-12-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD Astra Recovery has been provided with a cease and desist along with a written request for resolution as the account from original creditor XXXX XXXX reporting with a balance of {$2100.00} was opened as a result of identity theft. Today I received a threatening message from XXXX from XXXX XXXX advising she will take all necessary measures to have me served at work or at my home and that they will use law enforcement if needed. This is unnecessary and aggressive debt collection tactics that are illegal. I have completed the identity theft affidavit and have faxed the information to AD ASTRA RECOVERY XXXX which is their fax number on their website : adastrarecoveryservicesinc.com. They also received a certified letter which I have confirmed receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX through XXXX XXXX in XX/XX/XXXX. The vehicle was involved in an accident on XX/XX/XXXX which resulted in the vehicle being a total loss. My insurer XXXX paid off the balance of the lease and sent me the remaining amount as the car was valued at more than the balance of the lease. The lease balance was satisfied and the account was closed. Since then, XXXX XXXX has reported that the lease was satisfied and closed as of XX/XX/XXXX but in the remarks section it states Early termination ; Insurance loss. As a result of this remark, my XXXX XXXX dropped by almost XXXX points and I have been denied credit from several banks as they stated I have a serious delinquency on my credit report. After further investigation, it was determined and shared by the banks that the reference to an early lease termination is considered a derogatory remark, comparable to a repossession or numerous late payments and it should only be reported as a total loss and not early termination. I have spent countless hours on the phone with XXXX who claims they cant fix it even though its wrong and negatively impacts my credit and according to Transunion, even though its wrong and now considered a negative item on my credit report, they cant remove it until XXXX updates their reporting. I am basically stuck in a circle of finger pointing and unable to have my credit report fixed. Every bank and credit agency says its wrong but XXXX wont remove it or update the remark so it doesnt continue to impact my XXXX XXXX for the next 7 years. I have no where else to turn at this point as Ive exhausted all efforts thru XXXX and Transunion.

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 2022-12-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX, I financed a car with AFC Acceptance LLC, aka Credito Real located in XXXX XXXX Florida. The amount financed, after me paying a {$3000.00} down payment, was around {$18000.00}. From the start of my loan, I have made XXXX payments. XXXX of the payments were double payments. There was also XXXX hardship deferments. The amount that I paid on my loan was {$18000.00} On XX/XX/XXXX, I contacted Credito Real to make a settlement and close out my loan. In my request, I offered a lump sum amount to pay and asked for a copy of my file to show my payments and what the balance due was on the account. Credito Real did not meet that request. Instead they emailed me to tell me to make a payment to bring the payment into right standing. I conta XXXX them XXXX more times regarding this via email. Each time, I received the same response. 

On the evening of XX/XX/XXXX, I called the Escalations and Recovery department. The representative told me that my balance due on the account is {$18000.00}. There is a huge discrepancy in my calculations of what I owe and what the remaining balance is showing with Credito Real. I believe the company has overcharged me and has added in extra interest, in addition to not entering in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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 XXXX XXXX  # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # 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 at also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : 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 explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
My federal student loan servicer is Nelnet - I had previously paid off my entire loan balance on XX/XX/22 ( payment made that day of {$220000.00} ) and had a {$0.00} balance on my account as of XX/XX/22. I contacted Nelnet by phone on XX/XX/22 and asked for just {$10000.00} of my payments to be refunded to me under the XXXX act, the representative confirmed that it had been submitted. I called again on XX/XX/22 to check-in that they had everything that they needed from me and to confirm again that I only wanted {$10000.00} refunded to me- and that I did not want anything additional to be refunded. I received a credit reporting alert on XX/XX/22 that there was a change in my credit report and that my student loan balances had increased. Upon logging into my Nelnet account on XX/XX/22 it showed that my previous {$0.00} balance was not {$220000.00}. I spoke to a representative on XX/XX/22 and questioned why so much was refunded to me- they could see in their records that I had in fact asked for only {$10000.00} to be refunded and that there must have been a " glitch '' causing so much more to be refunded. They said there was nothing further they could do at that point and I would just have to wait until I received the refund ( could not give me any information on when to expect the refund ). Upon logging into my Nelnet account again on XX/XX/22 my balance increased yet again - to {$280000.00}. I called again on XX/XX/22 to understand what was happening- the representative said a balance that had been paid previously to another lender was also refunded ( {$61000.00} ) that was added to the {$220000.00} balance on my account. They said it had not yet been sent to the XXXX XXXX XXXX XXXX so there was a chance they XXXX be able to stop this refund but they couldn't guarantee this. At this point in time this is impacting my credit report showing a large amount of debt and I have not received any sort of refund to pay this money back and reduce the balance. Their mistake is impacting my ability to complete the necessary applications/have satisfactory debt/income ratio to close on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Birth - XX/XX/1994 { Date } XXXX To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATIONThe accounts/ INFORMATION below are reporting incorrectly REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect. 
XXXX : Incorrect Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : Incorrect Name Variations, * NAMES REPORTED * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please update the following information which I saw your credit bureau to be misXXXX XXXX XXXX Personal current address { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX } XXXX. My proper full name { XXXXXXXX XXXX XXXX XXXX }, if the bureau has listed it incorrectly } 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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, { 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 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Netspend Corporation
State: IA

Complaint narrative:
I received ereceipts regularly from companies " thanking me for my paypal payments '' and the only money accounts I have a either NetSpend or pay pal which are originally funded by the IRS stimulus. I will get these fraud alerts to call them but then when I call theu know nothing cant see it on their end. Netspend and paypal are connected and neither one will do anything about it.They never said they would charge every time the card was used and there is at least one XXXX stimulus, possible 2 or more the IRS money the say got deposited to my account is different than the monthly statements and they wont do anything.

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 2022-12-15 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: SC

Complaint narrative:
In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible 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 2022-12-15 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: SC

Complaint narrative:
In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible 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