vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have student loans that is reporting that I missed a payment this is inaccurate. 

I have several missed payments which all 3 credit reporting bureau is reporting inaccurate XXXX  XXXX account report 4 missed payments in 2020 XXXX  XXXX XXXX reporting 1 missed payment all inaccurate XXXX XXXX XXXX  showing all reports is showing something different I have not received a response in the 30days its been more than 45 days and nothing has been done to remove this inaccurate reports  also some student loans that were paid off they added back to some of the other credit reports which I would like removed from my 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 2022-11-29 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: LA

Complaint narrative:
I have consistently disputed the inaccurate information on my credit file about XXXX XXXX XXXX! this account in reporting open, past due amount of XXXX derogatory status which is inaccurate reporting on my account the receipt of proof that this account was paid off is attached and MUST BE REMOVED FOR INACCURATE REPORTING IN VIOLATION OF MY CONSUMER RIGHTS. THE FAILURE TO CONTINUE TO REPORT THIS ACCOUNT BASED ON THE NUMEROUS TIMES DISPUTED IS NOW RESULTING IN A LAWSUIT FILING.

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 2022-11-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have consistently disputed the inaccurate information on my credit file about XXXX XXXX XXXX  this account in reporting open, past due amount of XXXX derogatory status which is inaccurate reporting on my account the receipt of proof that this account was paid off is attached and MUST BE REMOVED FOR INACCURATE REPORTING IN VIOLATION OF MY CONSUMER RIGHTS. THE FAILURE TO CONTINUE TO REPORT THIS ACCOUNT BASED ON THE NUMEROUS TIMES DISPUTED IS NOW RESULTING IN A LAWSUIT FILING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: World Acceptance Corporation
State: KY

Complaint narrative:
Im not aware of where the debt came from, but I paid it off just to get it removed from my credit report, and theres been several changes made to the account but never Been removed like it was supposed to be. The dates arent even the same on one report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX {$3200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO 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 non-monetary relief
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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:
XXXX XXXX XXXX XXXX XXXX {$3200.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO 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 2022-11-29 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, this list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. With 15 U.S.C. 1681 Section 602 A saying I have the right to privacy. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXXXXXX XXXX XXXX XXXX # XXXX 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 explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I opened my auto loan with XXXX / Bridgecrest on XX/XX/XXXX. My monthly payment is {$370.00}. I have never been 30 days past due on my auto loan. My last payment was {$760.00} on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and informed representative that my employer had not payed my direct deposit. I asked BridgeCrest to defer my payments for XX/XX/XXXX & XX/XX/XXXX. Furthermore, I asked representative if I had ever been 40 days past due on my auto loan and she said no, I asked her based her her experiences what are the chances of my payments getting deferred and she said she does not see it being a problem. Informed representative my employer would have to research where the deposits is. Representative processed my request for the deferred payments that were due on XX/XX/XXXX and XX/XX/XXXX and said I would receive email with decision. Received email today and I was denied. The XXXX XXXX requires creditors to work with consumers that has harship paying on loan. I did the right thing and called Bridgecrest to have loan payments deferred and I was denied. It is bad enough I have to deal with high prices for food and essential items. This is sad.

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 2022-11-29 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: NJ

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 15USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C

1681 SECTION 602. A. STATES I have a 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 oof 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 7 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 non-monetary relief
Consumer complaint received 2022-11-29 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: 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 U.S.C. 1681. 

XXXX XXXX  # XXXX {$920.00} date opened : XX/XX/XXXX, XXXX XXXX-acct # XXXX {$5800.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$9200.00} date opened : XXXX XXXX & XXXX, XXXX-acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXacct # XXXXXXXX XXXX XXXX XXXXXXXX-acct # XXXX {$6600.00}, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXacct # XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$10000.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXXacct # XXXX, XXXX XXXX XXXX, XXXX-acct # XXXX ( XXXX ), XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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 U.S.C. 1681. 

XXXX XXXXacct # XXXX {$920.00} date opened : XX/XX/XXXX, XXXX XXXX-acct # XXXX {$5800.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$9200.00} date opened : XXXX XXXX & XXXX, XXXX-acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX {$6600.00}, XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX-acct # XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$10000.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX-acct # XXXX, XXXX XXXX XXXX, XXXX-acct # XXXX ( XXXX ), XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In relation to the overpayment paid to Ally Auto Finance after the theft of my leased vehicle. 

The car was purchased at {$48000.00} I made a substantial downpayment {$12000.00} ( approx 25 % of the value ). I intended to purchase with a final payment at the end of the lease. 
Amount financed {$33000.00} by Ally Auto Finance. 

The car was stolen in XX/XX/XXXX and a claim was made to XXXX XXXX XXXX. 

I understand the amount paid by XXXX XXXX was {$38000.00} XX/XX/XXXX to Ally, yet the amount owed to Ally as of XX/XX/XXXX was approximately {$28000.00} leaving an excess over {$10000.00} ( Approx ) I did not receive any overpayment from Ally, I believe that may fall under the " Unfair Settlement Claims Act '' Additionally, the XXXX XXXX representative told me before I excepted the claim that I would receive the difference between the lease amount and the value of the vehicle by check. 

I was NOT advised by the car dealer or Ally at the time of purchase that a {$12000.00} downpayment would be lost if the the car was stolen. ( If this was the case I would have put the {$12000.00} in a savings account to pay towards the monthly amount ). 

I emailed Ally twice for support and some explanation and there was no response, I called numerous times, there was no support given. 

Many other consumers cons also be financially at risk between finance and insurance companies. I believe this is an unfair settlement practice. In my opinion the overpayment should be paid to me as I made a large downpayment approx 25 % of the vehicle value. If the finance company keep the over payment, then I feel it is unethical that they should also keep my deposit {$12000.00} deposit.

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 2022-11-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
In a letter dated XX/XX/XXXX Bank of America ( The Servicer for my loan, which is a Countrywide XXXX that XXXX XXXX XXXX XXXX XXXXXXXX owns or is the Trustee for ) wrote : " During a telephone conversation on XX/XX/XXXX, I discussed that in order to be approved for a payment deferral, your loan must be no more that 18 months past due. At the time of the call the loan was paid through the XX/XX/XXXX installment and didn't qualify as it exceeded the deferral program requirements. '' In XXXX and XXXX of XXXX I made a total of six months of payments in total to bring my total outstanding number of months down to 17 to qualify for the covid-19 deferral plan that I was told I was eligible for. I was told I was only eligible for 17 months of deferral because I had first applied in XXXX of XXXX for covid-19 relief and not in XXXX of XXXX. 

In XXXX of XXXX I was denied the 17 months of deferral on the grounds that XXXX XXXX XXXX XXXX XXXXXXXX  guidelines did not allow for a deferral in my case.

I was told to apply for a modification. After several months of submitting documents, that often got lost or did not arrive ( all sent by fax because the portal was not working ) to Bank of America I was told that I would be given a three month modification trial period but later told that I did not qualify for a modification because my income was too low. 

Several customer service representatives told me that did not make sense and that I should appeal and also file a complaint with the Ethics Department. On XXXX XXXX XXXX  Bank of America wrote in a letter : " Our records indicate we used the average of XX/XX/XXXX and XX/XX/XXXX rental income to calculate the gross monthly income of {$5200.00}. Please understand that when considering renal income, there is a vacancy factor of XXXX percent and debt services ... '' What does not make sense is that this is my primary residence and I do not rent it. Bank of America has taken the position that my income should be reduced by 75 % on the grounds that it is primarily rental income. If I chose to not take a salary for work that I do on rental properties but instead take the rental income rather than paying myself why is Bank of America allowed to reduce it by 75 %. 

The whole point of modifications is to prevent mortgage foreclosures ( As Senators XXXX and XXXX discussed in their XXXX Bill XXXX XXXX ) but here Bank of America is taking my income and reducing it by 75 percent. They have taken a monthly income of {$15000.00} plus/minus and reduced it to {$5200.00}. Instead of giving me a three month period to show that I can make the payments they are telling me that I can sell the house.

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 2022-11-29 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 — Problem with personal statement of dispute
Company: Possible Financial Inc
State: OH

Complaint narrative:
Possible financial services the account was closed why is it still showing on all my credit reports and also they told me if its not removed itll impact my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synovus Bank
State: OH

Complaint narrative:
First progress leasing account still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/2022 I bought an XXXX XXXX XXXX in amount of {$600.00} on XXXX XXXX through Afterpay USA. I paid Afterpay a down payment of {$160.00} for this purchase and they created a one time card to be used to pay for the purchase. 

On XX/XX/2022 I received an email from XXXX XXXX stating that my order would be cancelled because my card failed the authorization process. Since the card failed the authorization process, it was never charged. The order was cancelled by end of night XX/XX/2022. 

I then reached out to Afterpay that same night to inform them of the order being cancelled. I was told by Afterpay that I would have to wait until XXXX XXXX refunded the money back to Afterpay and then the money would flow back to me. I was told I could submit evidence of the order being cancelled which I did. I received an email thanking me for evidence but reenforcing that they will not be giving me my money back until XXXX XXXX processes the refund. 

On XX/XX/2022 after a week of no money or resolution, I reached out to XXXX XXXX ( chat AND over the phone ; XXXX separate associates they said the same thing after looking into it ) to see what the hold up on the refund was. XXXX XXXX informed me that because the authorization failed, they never received any money for the purchase therefore could not issue a refund. They told me I would have to speak to my bank because theyre holding the money. My bank in this case being Afterpay who is currently holding the money. 

I reached out to Afterpay on this same day with this new information including screenshots of XXXX XXXX confirming they never received any money to process a refund. Afterpay AGAIN responded that I would have to wait until XXXX XXXX processed a refund. XXXX XXXX never received money from Afterpay for the product ; the money never changed hands. So currently Afterpay is sitting on the {$600.00} it owed XXXX XXXX and the {$160.00} that I paid as a down payment. 

Mind you, I am still responsible for paying for this product which I have not received. I pushed the payment back to next Tuesday XX/XX/2022 in hopes that this will be resolved by then and I wont lose out on anymore money. At the moment I am out {$160.00} that Afterpay refuses to give me and will be out {$600.00} in total if this is not resolved. Again no product to show for anything & XXXX XXXX never received the money to issue a refund. Just terrible customer service on Afterpays end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance has been and still is to date, violating my federally protected rights not only under the TILA but FDCPA and the FCRA. Credit Acceptance is using Extortionate means to coerce and swindle me into paying a alleged debt that is primarily for family, personal and household use violating 18 USC 894. It is unlawful to punish a consumer on an extension of credit and the employees/agents of the company that has handled this account assume criminally liable and can face up to 20 years in jail. Credit Acceptance has violated the FDCPA infringing upon my rights to privacy, sending a 3rd party repo company flashing there lights on my home with the intent to harass and oppress me into paying the alleged debt disregarding my Cease and Desist violating 15 USC 1692c ( c ) and 15 USC 1692d. I am now ACTING IN GOOD FAITH giving your company a chance to rectify this dispute. Check attachment!

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