vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I received my credit report in XX/XX/XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " You requested that we investigate an inquiry placed on your personal credit file by Credit Acceptance. Please be advised that Credit Acceptance will only make an inquiry on a personal credit file when it receives a request for automobile financing through a Dealership that offers financing through Credit Acceptance. '' This is a direct violation of my rights under FCRA 611.

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 2019-08-08 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
SYNCB/XXXX  # XXXX has me as an authorized user. I was removed as an auth user and it should no longer be reporting on my credit. I would like for this account to be removed, it is not mine and I should no longer be on it or connected to it in any way.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Information on my credit report is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Fair Financial Corp.
State: CA

Complaint narrative:
Hello, I am having a problem with Fair Financial. I have leased a car and unfortunately I had an accident on XX/XX/2019. the car has been totaled. After bouncing back and forth with XXXX XXXX, Adjusters and fair representatives I do not have an answer as of today. I am still paying the lease and insurance for a car that has been totaled. In addition, I am not able to lease another car because the car can not be returned until the insurance claim is closed, which it will take months and I will still paying for the lease and other expenses related. I do not think that is legal and also I do not see anything on my leasing agreement that talks about what happens in case of an accident. I have screenshots of chat conversations with fair financial with many different and incorrect info. I was told that the car after an accident will be considered returned once it gets to the collision center ; I was told that the car is considered returned once is declared totaled ; ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: OR

Complaint narrative:
I attempted to open a Platinum Checking Account with US Bank on XX/XX/2019 using the promotional code XXXX which gives {$300.00} bonus for making {$2000.00} in deposits within 60 days of account opening. The account was not able to be opened immediately due to the bank requiring further verification. After half a dozen phone calls back and forth I was able to open the account on XX/XX/2019. Even though the promotion ended on XX/XX/2019 I was assured many times over that the offer had been added to my account and I would receive the bonus if I met the terms. I made the required deposits within 60 days even though it took almost a month and several more phone calls for me to get the debit card and the information I needed to make the deposits. After the 8 week  window, I still hadn't received the bonus so I contacted US Bank to follow up on why. They said I'd met all the terms but I needed to contact my home branch to get the bonus credited. I contacted the branch manager for  XXXX on XXXX XXXX XXXX. Multiple times he told me that I'd met the terms and should get the bonus but he needed to submit the form. He never submitted the form. I followed back with him a week later and he said he'd deleted the info including my contact information. So I asked him to submit the request again which he agreed to do, but never actually did. Today he called and said I wouldn't get the bonus because it was outside the window, in direct conflict with what I'd been told by half a dozen other US bank employees including himself.

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 2019-08-08 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
I received my credit report in XX/XX/XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " it is our understanding that ( i ) on or about XX/XX/18 you applied for credit. And ( ii ) the application for credit you completed included a disclaimer and authorization for the dealership to submit the application to other lenders in an attempt to qualify you for financing. This authorization is typically located on the application under the heading " consent to release information. '' This is a direct violation of my rights under FCRA 611. I asked for them to send me proof of authorization not tell me what it is. By not doing so, they're in direct violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: GA

Complaint narrative:
I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a retired veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX/XXXX  # XXXX has me as an authorized user. I was removed as an auth user and it should no longer be reporting on my credit. I would like for this account to be removed, it is not mine and I should no longer be on it or connected to it in any way.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX # XXXX has me as an authorized user. I was removed as an auth user and it should no longer be reporting on my credit. I would like for this account to be removed, it is not mine and I should no longer be on it or connected to it in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: UT

Complaint narrative:
Credit Corp Solutions called my mother, XXXX XXXX, on XX/XX/2019, disclossed that they were a debt collector & disclosed my name despite the agency already having my contact information including my number and address. 

The agents information : XXXX XXXX Ex XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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 — Investigation took more than 30 days
Company: Mid-Atlantic Finance Co., Inc.
State: GA

Complaint narrative:
I paid for credit repair service to fix the problem, but credit bureau has not yet fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sent a police report and ftc report on fraud from someone stealing my identity and opening false accounts in XX/XX/2019 for collection XXXX XXXX XXXX/ XXXX XXXX # XXXX $ XXXX.Experian and XXXX did not remove from my credit report even when all evidence was presented. very detrimental to my credit profile and need to be removed as soon as possible.

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 2019-08-08 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting that CFPB investigate the refusal by CapitalOne to process a Reg Z chargeback request instigated by XXXX XXXX XXXX and supplemented by me re our MasterCard ( acct no XXXX ). XXXX rental car submitted an outrageous bill for which it retained no prior written authorization resulting from a rental car transaction. The car rental was late and attempts to extend rental directly was impossible due to unlawful attempts to change the rate or the refusal to agree to unlawful price gauging. The credit limit is XXXX and yet capital one accepted a XXXX bill by XXXX, tacked it to our account balance, and then promised to issue a preliminary credit via 2 supervisors before suddenly closing the dispute. Capital Ones customer service representatives outsourced to non-US countries failed to document original Reg Z chargeback demands properly, sent out the wrong forms containing inaccurate amount of disputed charges, and thus resulted in about 7 calls before two supervisors confirmed the chargeback credit was to issue within 24 hours of last call to Supervisor. I am alleging a conspiracy to prevent rental car availability to Mr. XXXX and me for purposes of preventing us from driving and relocating to DC with XXXX XXXX, who has an active CIA EEO matter pending in DC. Capitol One, along with XXXX, and every rental car company has collusively resorted to the most extreme forms of unlawful business practices and made a mockery of blatant consumer protection violations to hinder interstate and intrastate travel. I would like Capitol One customer service recordings of both Card holders on this account to be played along with a review of the writing s sent to the address of Mr. XXXX while both of us were stranded in CA attempting to secure a rental car while XXXX and XXXX XXXX in Texas sabotaged an auto purchase of a unique conversion van intended to be driven to DC by XX/XX/2019. I would like this matter corrected and brought to the attention of the Senate Intelligence Committee as XXXX XXXX is familiar with the pending CIA matter of XXXX XXXX, who is my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Today on XX/XX/2019 i checked my credit report and my score went down 112 points due to fraudulent accounts being hosted on my credit profile that where previously deleted. i sent in proper documentation my police report and also my affidavit the credit bureau and the credit card company received the information but still continue to host the accounts on my report. I understand that the credit bureau is supposed to post 100 % accurate information on your credit profile but they continue to post these accounts anyway.

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 2019-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I contacted the lender Freedom Mortgage for a status update for a loan modification application that was submitted to them this was on XX/XX/2019 I was told that there were some docs missing and so I gather the requested docs and faxed and emailed them to the lender I also had confirmed with them that if I provide these docs and the client is under review if the date of the sales for XX/XX/2019 would be put on hold I was told yes so I called the lender today to find out the status again and the lender tells me that they only received part of the fax once again. I refaxed and re emailed I have confirmation that the fax was received again, so I waited an hour, ( per lenders request ) and was told that the home was sold. I escalated the situation to a supervisor and was told that there were none available. After waiting on hold for 24 mins then was advised to call the trustee which I can not get ahold of a live person. I feel like this was a way of them stalling to be able to sell the home and even though I have been sending and have proof that the docs were sent on time and compliant with everything they requested they not only won't review me for loan modification but sold the house!!! this isn't fair.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
over 10 years ago, addressed populated on my Credit Report from a in Northern New Mexico, I have never lived there. A report was made as Identity Theft and the addresses came off. In the last 2 weeks similar addresses populated on my report. I filed a dispute with Equifax and received an email saying they had been resolved. When attempting to log back into my account it kept telling me I had to contact them directly. Today ( XX/XX/XXXX ) I spent over an hour on the phone with them, after the could not verify who I was and speaking to 2 different agents, they told me that the first dispute was not taken care of and that he would be assisting me with it then and there to have the addresses removed. My second dispute was because I found a hard hit from XXXX XXXX XXXX on my report, I have never had an affiliation with XXXX XXXX XXXX and have not authorized a credit pull on my credit. The agent stated I would have to contact XXXX XXXX XXXX so THEY could take the hard hit off my credit. When I questioned the agent about that, he became upset and told me if that wasn't my inquiry I shouldn't have any issues contacting XXXX XXXX XXXX and having them remove it. In the XXXX XXXX XXXX forums, many have had this issue and have been told by XXXX XXXX XXXX to contact the credit source to have the inquiry removed. This is a huge circle that is not being resolved. I am working hard to have my credit better and issues like this do not help me or others. Neither company is taking responsibility for any issues and THAT is a huge problem for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: STERLING JEWELERS, INC.
State: AL

Complaint narrative:
I wrote a complaint on XX/XX/XXXX about an unauthorized inquiry and received a response that it would be deleted. This has yet to be deleted from my credit reports across all bureaus. 

XX/XX/XXXX Re : CFPB complaint # : XXXX Dear Mr. XXXX : Although the information provided with this complaint matches the information submitted with the credit application, in response to your complaint, they sent a request to the credit bureaus to remove our inquiry from your credit file. o They sent you a confirmation letter. We hope the above information clarifies this matter. Sincerely, XXXX XXXX Resolution Specialist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-08-08 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I had an inquiry from Goodyear show up on my XXXX   credit report. I have not applied for a Goodyear card in any manner as I haven't even needed anything that Goodyear offers. I didn't authorize this and would like it removed since I didn't ask for credit to begin with. I have a frozen report now.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Back in XX/XX/2019 I was experiencing issues with my mail not being delivered. As a result I never received my XX/XX/2019 statement from XXXX. They in turn reported me as being 30 days late to the credit bureaus. When I became aware of the issue I contacted XXXX several times to try and rectify the issue. I spoke to a manager XXXX XXXX, she advised me that I should obtain proof of this incident from my postmaster and fax it back to her. I was able to obtain the proof and have been attempting to rectify this issue with XXXX. I have faxed the letter 3 times as requested and they refuse to accept the letters as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NV

Complaint narrative:
IC SYSTEM ( 11 XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian allowed XXXX XXXX to reinsert their account back on my credit report and not notifying me within 5 days of doing it XXXX XXXX account been deleted for sometime and out of no where it's back on my report with no explanation which ruined my credit score again ... I want XXXX XXXX to leave me alone that they already did enough damage to my credit report and not giving me due process

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