vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
During the beginning of Covid, I broke a lease with my former landlord, XXXX XXXX. 

I contacted them on XX/XX/XXXX and told them that I would be leaving the house on XX/XX/XXXX. 

When I asked them my next steps, they said I would be held to the lease agreement of XXXX months rent. This was approximately {$3600.00}. 

I asked them if I would break that into installments so I could take care of it as quickly as possible. 

They told me that when I left, they would take the amount owed and minus the deposit of {$2500.00} I put down as a deposit and bill me for the rest. 

I was never asked about my situation or if I was impacted by Covid, as I learned they had for others. 

I never heard from XXXX XXXX again. 

In XXXX of XXXX, I received a collection from a collection agency, XXXX, for the amount of {$5500.00}. I immediately asked for a verification of the debt. 

I received a response on XX/XX/XXXX and notice that XXXXXXXX XXXX attempted to charge me for XXXX more months rent, my breaking of the lease charge, and erroneous other charges. 

I sent back within 15 days a rebuttal to the XXXX and XXXX rent being charged since I notified them that I was leaving in XXXX. I also sent detailed responses to the erroneous charges that were on the invoice and the inconsistency in the totals throughout the invoice. When I reviewed their invoice the amount should have been less than {$1200.00}. 

I did not receive a reply. On XX/XX/XXXX, after seeing the information added to my credit report, I sent XXXX a certified letter telling them that I never received a response and that was in violation of the FCRA, specifically, 623 - 15 U.S.C. 1681s-2. I asked them to remove this from my credit report.

When they have called, I have specifically asked for them to provide me their findings to my rebuttal in writing, but still have never received anything. 

This is impacting my financial well-being and I should be protected from having these erroneous charges on my 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 2022-06-13 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-06-13 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Self Financial Inc.
State: CO

Complaint narrative:
I closed my Self account like almost two years ago and the guy told me it was closed XXXX of XXXX  & I dont see how now they got a delinquency of payment for a month of when I canceled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
According to a XXXX XXXX  with Wells Fargo, the below complaint contains no new evidence which I believe to be incorrect., his reply refers back to prior Wells Fargo reps replies which do not contain any new evidence... Please note, this rep request more time to reply than the normal 30 days period, unable to produce any new evidence, he simply refers back to prior CFPB replies... Please see complaint below.. 


Wells Fargo has not sent notice claiming I owe an amount of {$190.00} for closed account number XXXX. To date, no notice received as requested.. I was referred to account recovery dept without receiving notice I owe this amount, account recovery was explained the debt is due to a credit reversal in amount of {$290.00} including two funds transfers in amount of {$50.00} bringing the amount to {$190.00}. I was advised to reach out to the merchant whom charge in amount of {$290.00} originated from, in which case, the merchant will not refund as they claim the item ordered was delivered correctly... The item was shipped via XXXX, driver has a habit of forging signature and leaving package where it can be lost/stolen as is the case with this transaction. Previously, driver signed for a package as " XXXX XXXX '', complaint filed in re, driver chose to sign for XXXX package as " XXXX XXXX '' due to complaint filed.. The package is nowhere to be found, disputed with Wells Fargo whom placed a temporary credit on account while researched, credit later reversed citing signature which is forged.. I never sign my name as " XXXX XXXX '' and it is not on file as such with Wells Fargo.. I will reiterate as I have before, I do not pay for items not received nor will I ever

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 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
To Whom It May Concern : I have yet another problem I am submitting to you in reference to 5th and 3rd Bank. They are continuing to cause problems for me pertaining to my XXXX  XXXX XXXX XXXX XXXX. I have made my payments on time since last year of XXXX, with the most recent payment made and cleared on XX/XX/2022, please see attached screen shot of my XXXX XXXX  Account, transaction circled in Red showing the payment has been made.

However, I received an email today from 5th 3rd Bank stating my account needs immediate attention. I called the customer service number, such that the representative communicated a payment has not been made and that I owe XXXX $ She asked if I had made a payment. 

I replied, I made a payment and it cleared my XXXX Bank Account on XX/XX/XXXX. 

The rep communicated that the payment was applied to the principle and not to the car payment. Additionally, she asked me if I select principle. 

I replied with extreme stress, I do not know what you are talking about. I made my payments on time all the time doing the same steps as always in the portal making my car payments. 

I am very stressed and angry at the 5th 3rd banking operations as they seem to change constantly. Either log in operations change or now payment operations change. 

I can not by any means afford to make a XXXX payment. They need to apply my car payments to the car payments and NOT complicate matters by asking questions with respect to how a payment is applied. I do not understand, its a car payment, not rocket science, as it should be simple, such as the following steps : 1. ) Log into Account/Portal 2. ) Select Amount to be paid, which I always select XXXX 3. ) Select Payment type.

4. ) Apply payment and submit.

How hard is it to have 5th 3rd bank comply with making a simple auto payment. I never in my life experienced such problems with a bank institution before. 

They need to apply my Car Payments to the Car Payment, and, not cloud matters that are un related.

The rep offered no solution, expect to ask me to make additional payment, which is unacceptable.

5TH AND 3RD BANK IS TO DO THE FOLLOWING : 1. ) APPLY THE PAYMENT ALL PAYMENTS ALL FUTURE PAYMENT TO THE CAR PAYMENT AND NOTHING ELSE.

2. ) CORRECT AND UPDATE MY CREDIT REPORT 3. ) REMOVE ALL ADDITIONAL FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MN

Complaint narrative:
I had a Discover Credit card opened in XXXX. I have used this card up to $ XXXX charged and paid it down to {$0.00} - I used this card to establish credit and have maintained this account as my longest credit line since opened. I depend on the length of time with this account to maintain a nice XXXX credit score. I last paid this in full XX/XX/XXXX. Today, I logged into my discover account and saw the message " there is a lock on your credit account. please call us ''. I always have a lock on my credit report so no new accounts are opened fraudulently in my name. So this was not a shock. But, when I called I was told my XXXX yr account had been closed due to inactivity. I have historically used this card every few years and have never had an issue. The online activity I can see also shows XXXX balance XX/XX/XXXX. I was told that I can reapply for a new card, but that they could not reopen it. I am not having a new credit inquiry hit my report, nor am I scrapping XXXX  years of good credit history. They claim they sent me a letter, but I do not recall receiving it - I truly would never have let this account close as it is important for my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I filed bankruptcy in XXXX which included and account with : One Main Financial XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX After my bankruptcy processed, One Main financial re-reported the same account that was discharged in bankruptcy as being late and over-limit. 

I have disputed this matter with both XXXX and XXXX, who keep reporting the information is correct. My disputes were never that the information was wrong -- but that the information was discharged in bankruptcy and should be removed from my credit report. To date, the information is still on my report. 

XXXX and XXXX will not remove One Main financial from my credit. 

I have also notified One Main Financial of the bankruptcy and discharged debt. They still send collection notices and call to collect the debt -- post discharge. They still constantly report late payments to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A XXXX PARTY OR AGENCY. I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT REPORT. THEY ARE UNAUTHORIZED INQUIRIES AND I DID NOT GIIVE PERMISSION TO ADD THESE TO MY FILE THAT IS A FCRA VIOLATION XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Getting declined for an Apple Card by Goldman Sachs Bank USA for reasons that even any of the credit bureaus ' can not figure out and help me with it. There is a file of a copy of the letter attached to this FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc.
State: IN

Complaint narrative:
Getting declined for an XXXX XXXX by XXXX XXXX XXXX XXXX for reasons that even any of the credit bureaus ' can not figure out and help me with it. There is a file of a copy of the letter attached to this FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 written instructions violated my rights.

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 2022-06-13 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: GA

Complaint narrative:
US BKPT Court Georgia XXXX... I have previously disputed U.S. Bankruptcy Court Georgia XXXX XXXX XX/XX/2016 with you and in response you verified the item as accurate stating that you have verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 115 U.S.C. 1681l ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
US BKPT Court XXXX  XXXX... I have previously disputed U.S. Bankruptcy Court XXXX XXXX XXXX XX/XX/2016 with you and in response you verified the item as accurate stating that you have verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 115 U.S.C. 1681l ) and the information must be deleted immediately

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 2022-06-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: 1803 Capital, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX NC ( XXXX XXXX ) my complaint is everything that transpired 1 ) I was aware that my credit score was between XXXX and XXXX because I checked it before going to the car lot when the contract was being signed the dealer used rush tactics in order for me to sign it because I was there literally all day long so thats how he got me to just sign without going over the contract when I asked about the interest rate he quoted me at 14 % even though I thought it was a little bit too high I went on agreed to sign it but when I got a copy of the contract I didnt see the interest rate on it so I called the finance company ( 1803 Capital LLC ) a few months later just to see if I paid off the interest they said I was paying 20 % interest rate! I wouldve never signed a auto loan with 20 % interest rate because my credit didnt warrant that much.., now I cant even trade it nor refinance it and I need some type of legal help for myself hows a XXXX veteran

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
I WAS REVIEWING MY RECENT CREDIT REPORT AND THERE WERE ACCOUNTS WHICH ARE NOT MINE. I HAVE NEVER APPLIED TO THESE CREDITORS, I'M NOT RESPONSIBLE FOR ANY OF THESE DEBTS, I HAVE NEVER SIGN CONTRACTS OR AGREEMENTS WITH THESE COMPANIES.

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