vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. I several collections on my account that did not belong to me. While working on my report we realized that there was fraudulent activity on my report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now. please assist me with getting these items deleted.

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 2021-03-02 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: IL

Complaint narrative:
Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the heart increase XXXX and XXXX only removed four to five of the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: IL

Complaint narrative:
Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the heart increase Equifax and XXXX only removed XXXX to XXXX of the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information has been obtained and misused for a number of fraudulent activities. This has severely impacted my credit and it sucks. Someone has been using my identity and now i am the one stuck with the debt and negative items reporting. I am submitting this complaint in seek of assistance in removing these accounts and getting another start at actually building my own credit myself. I am also submitting identity documentation to clarify that it is me sending in this complaint. Along with those documents i am adding a pdf report from the identity theft website. The report number is # 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 2021-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Chrysler Capital auctioned off the vehicle in XX/XX/2020. They basically want me to pay the full amount for the repossession. The car was for {$16000.00}. After the car been auctioned off, they said the remaining balance I would pay would be {$11000.00} for a XXXX XXXX so that mean they only sold the vehicle for {$5000.00}. I would like my settlement payment to be lesser.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: WA

Complaint narrative:
Good day, Team, After pulling my credit report I have noticed you are reporting inaccurate information on the account XXXX this is a violation of the Fair credit reporting act. Due to inaccurate reporting you must delete this account immediately per the FCRA. Please remove all late payments or delete this account for the following inaccuracy. 

XXXXXXXX reports one 30 day late payment on XXXX XXXX, while transunion reports two 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. XXXX reports one 30 day late payment XX/XX/XXXX. These reporting are inconsistent and inaccurate. 

I XXXX XXXX solely submit this complaint and do not consent to e- Oscar or any means of automated verification.I have attached my drivers license as proof of my identity. Failure to respond to this complaint within 30 days could result in small claims action against your 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 2021-03-02 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
This is my SECOND COMPLAINT AGAINST APPLE FOR THE WAY THEY DO BUSINESS.

I had a merchant XXXX refund me on a random card, which was the Apple Card.

The original transaction never came from my Apple credit card. The amount was XXXX. 




Apple decided to TAKE - {$1.00} cash back! As if the Original transaction came from this card, And Ive been chatting, on the phone with apple go get this credit balance sent via check, Apple Cash.

They all refuse to help me. I hate this card so much and I will never ever recommend it. What a XXXX nightmare. 

SEND ME MY {$120.00}!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is running a credit card scam in which they offer a promotion, in this case XXXX bonus points worth {$750.00}, if a business applies for their credit card in this case a Chase XXXX XXXX XXXX credit card. 

After the customer applies for the card, Chase sets the limit below the amount required to qualify for the promotion, making it difficult or impossible to get the promotion. 

It is a fraudulent scam by Chase. If 1 million people apply for this promo this represents up to a {$750.00} XXXX fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Purchased a vehicle from XXXX XXXX XXXX on XX/XX/2015 in XXXX, CA. The finance company that agreed to be my lender is Consumer Portfolio Services Inc. When I went to purchase the vehicle, I had just completed a Bankruptcy, two days prior. So of course, my interests ' rates from the Consumer Portfolio Services were going to be high. 


In the contract I signed, the total loan amount including finance charges is {$24000.00}. CPS finance charges annual is 20.45 %, total finance charge of {$8900.00}, for a amount financed of {$14000.00}. Five years has passed, and the vehicle is still not paid off. I started calling customer service inquiring about why my principle on the vehicle was still so high. So, I decided to print off my payment history from the website, and found out that I have paid {$12000.00} in interest, {$3800.00} more than on the contract. My principle paid off is only {$9500.00} in 5 years. I have paid {$22000.00} on the loan, but I still have a balance of {$4900.00}. 

I need help getting this account corrected with Consumer Portfolio Services Inc. The amount of {$3800.00} that has been applied to interest should be applied to my principle. This company has a lot of bad reviews with current and prior customers stating they were cheated by CPS with them charging more on the vehicle than they should have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Different credit inquiries on my credit score that dont belong especially with banks. Ive sent several disputes no responds yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Different credit inquiries on my credit score that dont belong especially with banks. Ive sent several disputes no responds yet.

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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TN

Complaint narrative:
On XX/XX/2021 i received correspondence from Avante USA attempting to collect a debt that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: MS

Complaint narrative:
My payment was due on XX/XX/XXXX. I schedule payment for XX/XX/XXXX to save a few dollars on interest but the online system wouldnt allow me to payoff for the XXXX or XXXX of XXXX. After reaching out to customer service. A supervisor stated I couldnt change the payment date or cancel regular payment to payoff earlier because it was sent to the bank to be ach on XX/XX/XXXX. Three days before due date to hit account on Monday XX/XX/XXXX. The supervisor explained he was going to reversed the second payment to equal up to my actual payoff of XXXX to be scheduled on XX/XX/XXXX. However on Monday XX/XX/XXXX. I have a remaining bal of XXXX and was told by the representative that the higher ups wouldnt accept the second payment that on my account and I was responsible for the remaining payment. 
I have paid XXXX this loan. If the company wouldnt submitted the payment 3 days earlier I couldve paid the payoff on before or before the date due. Interest is adding daily on the balance that supposed to been XXXX. 
I have talk to several representative and I am being told the pay off wasnt accepted that the supervisor submitted due to the fact the ( supervisor ) quote me the incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: IL

Complaint narrative:
Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the XXXX increase XXXX  and XXXX only removed four to five of the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
I recieved correspondence from First Data on XX/XX/2021 attemting to collect a debt that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: OneMain Finance Corporation
State: PA

Complaint narrative:
This account doesn't belong to me. I have a court order Declaring me a victim of identity theft. As well as a document from the District Attorneys office. I've contacted Equifax and OneMain financial but yet Equifax continues to report even though they were provided a court order. The account that is incorrectly reporting is OneMain Account # XXXX the balance is reporting as {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have submitted various complaints regarding XXXX XXXX an erroneous item on my consumer report. I would like to point out a few violations that both XXXX  and XXXX and TRANSUNION has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of XXXX  and TRANSUNION they are as follows.

Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

This is my written instructions to remove the erroneous XXXX XXXX account from the credit report and credit file.

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 2021-03-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Different credit inquiries on my credit score that dont belong especially with banks. Ive sent several disputes no responds yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I currently have a section 8 tenant which the government deposit the rent into a cashpay account. While trying to long into the account it requested the email attached to this account and it provide a email that I did not authorize. I tried on several occasion to address it to the Bank of America customer service to why this email was attached to my account and they can supply an answer and I was given many people to speak to with no answer. The question was why did my own private account have an unauthorized email to answer my personal information.,

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 2021-03-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Different credit inquiries on my credit score that dont belong especially with banks. Ive sent several disputes no responds yet.

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 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
I had a debt consolidation program but I was confused about the program because I read on this site that you had a number of problems over the years about these companies, but I had to get rid of the company because it was just a slow process and before they payoff the companies that were in the program they would take payments out of my checking account, I BELIEVE THEY TOOK OUT XXXX EVERY TWO WEEKS? AND I STILL GOT ABUSED BY THE CREDITORS I HAD BECAUSE IT WAS MONTHS AND THEY DIDNT EVEN CONTACT CERTAIN COMPANIES? AND THEY WOULD MAKE DEALS WITH SOME OF THE COMPANIES FOR A SETTEMENT? BUT THEY DID IT WITH 2 COMPANIES AND THEY DIDNT ASK ME TO BE INVOLVED? 1 TIME THEY WANTED ME TO BE INVOLVED BUT IT CONFUSED ME? BUT THEY DONT PAY THE SETTLEMENT I BELEIVE WITH THERE MONEY FIRST, THEY JUST GIVE THEM MONEY THAT COMES OUT OF MY CHECKING ACCOUNT? IS THIS LEGAL? AND MAKING DEALS AND THEM TELLING ME HOW IT WORKED OUT AND FOR HOW MUCH?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Credit Systems International, Inc.
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

CREDIT SYSTEM INTL IN XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: DC

Complaint narrative:
I have submitted various complaints regarding XXXX XXXX an erroneous item on my consumer report. I would like to point out a few violations that both XXXX  and EQUIFAX and XXXX  has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of Equifax and XXXX  they are as follows. 

Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my written instructions to remove the erroneous XXXX  XXXX  account from the credit report and credit file.

Company response to consumer: Closed with explanation