vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-01 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I had a vehicle lease through NMAC ( Nissan Motors Acceptance Corporation ) for 36 months, my lease ended XX/XX/2019, I had called Nissan several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXX and XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019 ( still within my grace period ). About 3 weeks later I received several phone calls from a rude agent named XXXX from Nissan Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to Nissan. After going back and forth with me for several minutes I decided that I didnt like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that NMAC reported a late payment ( 30 days past due ) to all 3 credit bureaus ; at this point, I was livid I called NMAC again the representative told me that I have never been late and he does not know what Im talking about. All the employees are so rude ( XXXX, XXXX ) and do not care to properly answer any of the questions asked by the customer. It is unfortunate that a big company like NMAC chooses to report fraudulent information on peoples credit report. NMAC is nothing but FRAUD FRAUD FRAUD!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a vehicle lease through XXXX ( XXXX XXXX XXXX XXXX ) for 36 months, my lease ended XX/XX/2019, I had called XXXX several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXX and XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019 ( still within my grace period ). About 3 weeks later I received several phone calls from a rude agent named XXXX from XXXX Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to XXXX. After going back and forth with me for several minutes I decided that I didnt like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that XXXX reported a late payment ( 30 days past due ) to all 3 credit bureaus ; at this point, I was livid I called XXXX again the representative told me that I have never been late and he does not know what Im talking about. All the employees are so rude ( XXXX, XXXX ) and do not care to properly answer any of the questions asked by the customer. It is unfortunate that a big company like XXXX chooses to report fraudulent information on peoples credit report. XXXX is nothing but FRAUD FRAUD FRAUD!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: FL

Complaint narrative:
I had a vehicle lease through XXXX ( XXXX XXXX XXXX XXXX ) for 36 months, my lease ended XX/XX/2019, I had called XXXX several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXX and XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019 ( still within my grace period ). About 3 weeks later I received several phone calls from a rude agent named XXXX from XXXX Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to XXXX. After going back and forth with me for several minutes I decided that I didnt like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that XXXX reported a late payment ( 30 days past due ) to all 3 credit bureaus ; at this point, I was livid I called XXXX again the representative told me that I have never been late and he does not know what Im talking about. All the employees are so rude ( XXXX, XXXX ) and do not care to properly answer any of the questions asked by the customer. It is unfortunate that a big company like XXXX chooses to report fraudulent information on peoples credit report. XXXX is nothing but FRAUD FRAUD FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I made a purchase with XXXX, but instead of using my card it asked if I wanted 6 months free interest with XXXX so I went ahead and paid with XXXX. Out of the blue about 6 months later I get a bill for almost {$800.00} on my credit card. At the time I was not paying attention, I just paid bills off. It dawned on me I hadnt bought anything with XXXX so I called and talked with them and the girl I was speaking with said she would get me a supervisor, right after she reports a dispute, supervisor comes on and recognizes the mistake that has been made and refunds me my money, ( this is 3 months later ) not like me saying I need to take that payment back. But they never removed the dispute, so I get a bill in the mail a few months later saying I have missed a payment I have late charges and now Im calling again speaking with the fraud department who acknowledges that this definitely needs to be removed, but they need to send me to the right people to fix it. So now Im talking to a girl who said after 2 hours of them listening to my recorded phone calls, that she is going to get it fixed and will call me the following week, that was 2 weeks ago. And yes I have received another bill and late charges and reporting to the credit bureau! I have sent them all the proof that XXXX paid this bill, even had a couple returns where XXXX would refund them some money! They arent fixing it, they dont care and they are ruining my credit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Due to overwhelmed hardship I can't pay what is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
We have an auto loan with Prestige XXXX since XX/XX/XXXX.  We have noticed that our payoff is only going down roughly {$100.00} a month. We pay {$370.00} a month. Being that we are a little over 5 years into this loan, I know we paid a big chunk of the interest of a 17.99 % auto loan. Normally towards the end of a loan the majority of the interest has been paid and more money comes off the principle balance than {$100.00} of a $ XXXX monthly payment. 
We are assigned an account rep to basically hound us starting the day before payment is due. If we are more than 3 days late we get a " final notice '' to come repossess the vehicle. We get nasty emails and texts throughout the day from our assigned rep. Which we have been through about 8 different assigned reps since our loan started. So anytime we ask about this issue they say, if you don't like it we can come get the vehicle. 

An example is in XX/XX/XXXX our payoff stated it was {$4800.00}. As of today it states our payoff is {$4300.00}. So in 5 months we had {$500.00} come off our principle balance? We have had this loan over 5 years. How long have they been doing this? 
According to my math that is a lot higher than a 17.99 % APR. This has happened our entire loan. Of course it says we owe that much when we only get {$100.00} a month off our balance per month. 

Please look into this. If they are doing this to us, they are doing it to everyone. They are crooks, take advantage of consumers who are put of options for financing and this company must teach to be rude and relentless in collecting payments. Especially when they don't provide a monthly invoice or email invoice. Just rude calls and emails. 

Thank you for taking the time to listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In response to a denial of an extension of credit I checked with one or more consumer reporting agencies and detected inaccurate information being furnished to your company by XXXX. XXXX indicates that the information being furnished to your company is invalid. Your company is required to perform an investigation with regard to the accuracy of the information being furnished to it, and if found to be inaccurate is required by law to remove it.

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 2019-09-01 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: MI

Complaint narrative:
In response to a denial of an extension of credit I checked with one or more consumer reporting agencies and detected inaccurate information being furnished to your company by XXXX. XXXX indicates that the information being furnished to your company is invalid. Your company is required to perform an investigation with regard to the accuracy of the information being furnished to it, and if found to be inaccurate is required by law to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: NC

Complaint narrative:
I have never lived or had any association with the following address listed below and its listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, ny 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 2019-09-01 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: DISCOVER BANK
State: MN

Complaint narrative:
I have been disputing a 30 day late payment that occurred on my Discover account in XX/XX/2018. Discover has refused to do an investigation into the matter so I escalated the issue to their corporate office of Customer Advocacy and to the CEO 's office but nothing has been done. 

After reviewing my account with Discover multiple reasons why the late payment occurred : The minimum payment had increased around XXXX/XX/XX/2018, but the auto pay did not make this adjustment. 
I submitted the payment on time, via a phone payment on or around XX/XX/2018 but it bounced on XX/XX/2018, then Discover represented the phone payment XX/XX/2018 and was returned XX/XX/2018 because the Discover Financial Services representative took down my incorrect bank account number to process the payment that bounced. 

XXXX XXXX acknowledged to me that the payment kept bouncing because Discover had the incorrect bank information to process the payment that kept bouncing. Discover Financial Services representative made a mistake that caused my account to have a 30 day late payment. 


Discover Financial Services is violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). Discover Financial Services never added the required sentence on my credit report stating, " Customer has disputed the validity of this account '' within the required 30 days of the disputed item. 

Discover Financial Services is also violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 2 ) ( B ). Discover is not allowed to report inaccurate or incomplete information. 

The month in question of the 30 day late payment I had over {$7000.00} in my bank account and could of easily made the minimum payment or paid off the whole account in that statement period. 

I qualify for this removal of the late payment because I have never missed a payment before the incident or after the incident and there was negligence on Discover. Discover is reporting inaccurate, incomplete, and not verifiable information to the Credit Bureaus ( XXXX, XXXX, XXXX, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today XX/XX/2019 I received an email that I had a new credit inquiry on my XXXX report. According to my alert and my report, this inquiry took place on XX/XX/2019. I have NOT applied for new credit in the past year. This is a FRAUDULENT unauthorized inquiry.

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 2019-09-01 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: CA

Complaint narrative:
Today XX/XX/2019 I received an email that I had a new credit inquiry on my Experian report. According to my alert and my report, this inquiry took place on XX/XX/2019. I have NOT applied for new credit in the past year. This is a FRAUDULENT unauthorized inquiry.

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 2019-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My venmo card wont work that was around XX/XX/XXXX, I call venmo and has a long chat with costumer care and they said I should wait 2 days, even thought I have money on my balance, after the 2 days I still wont use my account, I call again they said it security system and I should wait another 7 days, after that, they send me a email saying my deals did not go well with there policy, so my account has been permanently deactivated, it was after calling and text them, they now told me I owned them XXXX . They said my provious account owns that amount. 
I never own venmo that amount, last year my XXXX got stolen and they use my account to send money from my account and when the bank come after venmo and venmo came after me to pay them. Even know after sending them police report, and up till now I can access that old venmo account. So because of that, they froze this my new account with XXXX $ in it. Saying they are holding on to my money for 180 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I reported fraudulently charged transactions to my credit card company. I was informed that the card issuer successfully resolved the issues and completely chargeback those illegal charges. 
But, it seems that the card company commited a fraud by recharging me for those transactions that were successfully resolved already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: NC

Complaint narrative:
I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXXXXXX XXXX inquiry date:XXXX 2.XXXX XXXX inquiry date:XXXX 3 . XXXX XXXX inquiry date : XXXX 4.  XXXX inquiry date: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 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have sent several written letters to Hunter Warfield requesting that they validate or remove the debt on each of my credit reports. I haven't received any communications from this company to validate any debts. They continue to erroneously report increases to the balance which negatively impacts my credit score.  Please help as I am getting no where with this company.

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 2019-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX a company that I thought was a computer repair company hacked my computer. They withdrew all my money from my checking and savings. I have lost {$8000.00} which is everything I had because I was gullible and believed they were there to help me. The companies name was 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 2019-09-01 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have been disputing a 30 day late payment that occurred on my American Express account in XX/XX/2018. American Express has refused to do an investigation into the matter so I escalated the issue to their corporate office and to the CEO 's office but nothing has been done. 

After reviewing my account with American Express multiple reasons why the late payment occurred : The minimum payment had increased around XXXX/XXXX 2018, but the auto pay did not make this adjustment. 
I submitted the payment on time, but it bounced back to the bank because American Express took down my incorrect bank account number to process the payment that bounced. 

XXXX XXXX acknowledged to me that the payment kept bouncing because American Express had the incorrect bank information to process the payment that kept bouncing. American Express representative made a mistake that caused my account to have a 30 day late payment. 


American Express is violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). American Express never added the required sentence on my credit report stating, " Customer has disputed the validity of this account '' within the required 30 days of the disputed item.

American Express is also violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 2 ) ( B ). American Express is not allowed to report inaccurate or incomplete information. 

The month in question of the 30 day late payment I had over {$7000.00} in my bank account and could of easily made the minimum payment or paid off the whole account in that statement period. 

I qualify for this removal of the late payment because I have never missed a payment before the incident or after the incident and there was negligence on American Express. American Express is reporting inaccurate, incomplete, and not verifiable information to the Credit Bureaus ( XXXX, XXXX, XXXX, etc ).

Company response to consumer: Closed with explanation