vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 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 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-08-01 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 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 explanation
Consumer complaint received 2023-08-01 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 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

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 2023-08-01 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 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

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 2023-08-01 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: BTH Management
State: SC

Complaint narrative:
Plaza Services LLC Reference Number: XXXX 

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: GA

Complaint narrative:
In XXXX of this year 2023 I received a new escrow statement showing my monthly payment would increase by {$80.00}. Im on fixed income and asked why..they said my taxes would be higher. How did they know this? ..Im the taxpayer and wasnt aware of that. They told me to file for a Homrstead exemption which I did and have been approved. In XXXX I got an estimated tax bill and my taxes are less than last year so I sent that to the mortgage company. I have also lowered my homeowners insurance by a lot. I then got a new analysis and it showed my monthly payment would go up by {$210.00}. I called and they said because I was short in my escrow. I found out that they were sending in the wrong amount for taxes and that that check was sent back to them. They were adding into the total bill for my city taxes along with the TOTAL amount of my taxes. My total bill is estimated to be {$2300.00} ( {$660.00} is included in this amount for my city ). They are using {$2300.00} PLUS {$870.00} which was the city taxes last year. THIS IS WRONG. Ive asked again for someone to look over my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: DC

Complaint narrative:
I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX, PA on XX/XX/XXXX, with {$4100.00} in cash and financing the rest of the amount at a rate or 4.9 %. The contract stated that our first installment would be due on XX/XX/XXXX. 

After weeks of no communication, I reached out on XX/XX/XXXX to Honda Finance to inquire why I had not received any welcome mailer or account information. Honda Finance told me that they never received any paperwork for the car and no loan exited. 

I then called the dealership, XXXX, on the same day to no avail. After calling for another week, a finance rep at the dealership, XXXX XXXX, finally responded on XX/XX/XXXX and told me that the finance rep who had initially handled our account had filled out an expired form -- and apparently never attempted to correct it, send it in or contact us about the issue. XXXX said he would express mail a new contract for us to sign, on the correct paperwork. 

We received the new contract on XX/XX/XXXX and after talking to XXXX about some discrepancies, we signed and returned the contract on XX/XX/XXXX. XXXX tracking indicates that XXXX received the contract on XX/XX/XXXX. I emailed XXXX that day to let him know that the contract had been delivered and received no reply. 

On XX/XX/XXXX, I emailed XXXX again to inform him that 1 ) Honda Finance still did not have an account registered to us and 2 ) the titling company the dealership was using for our registration and tags had informed me that XXXX never sent them payment or paperwork. The dealer plates would expire on XX/XX/XXXX and I asked XXXX to send us new plates and confirm that XXXX had mailed the signed contract to Honda Finance. 

It is now XX/XX/XXXX and I have not heard back from XXXX. Honda Finance indicates that there is no account associated to either the VIN or my or my husband 's SSNs. Our payment, per our contract, is due today supposedly but we are literally unable to pay it because there is no account. 

As I have told XXXX, it is frankly ridiculous that I am the one trying to figure out how pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: MD

Complaint narrative:
Good morning, I was more than overjoyed when I learned I was approved for the job XXXX that would change my family 's financial crisis, it was perfect for my son 's busy schedule. I worked for weeks to come up with the deposit to begin. After paying my deposit it was automatically returned. I learned that the backgound check had come back clear but the site Checkr had a hold on my account. I reached out to Checkr and learned that because of a past background check that was done in XXXX by the same employer they put my account on hold even though the new background check that was done on XX/XX/XXXX came back completely clear. I spoke with an agent there and was sent your website, I guess I wasn't the only one that felt as though there was a possible better resolution to my problem. 

I was granted a legal expungement in the year of XXXX for the two charges present on my XXXX background check. That means that by law these charges have been forgiven and erased from my record. It is unlawful to report these charges to any agency preventing me from obtaining employment. They report to alot of jobs that I've worked and would like to continue to work such as XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I stopped going to my flight school ( XXXX XXXX XXXX ) and had them return the remained of the loan to Meritize. Meritize was notified on XX/XX/2023 that the remaining balance was being returned and the loan was going to be canceled. Meritize cashed the check, according to the flight school 's bank records, on XX/XX/2023. The money has not posted to my account as of today, XX/XX/2023. The company says the process takes 30-45 days, which I am past now, and I also believe to be fraud. No lender should take 45 days to post a payment while still collecting interest on that money. After I told the company that I thought it was fraud they said the the interest on the returned money would be refunded, however, they would not tell me how much money I still owed. Because of this I am not able to pay off the remaining balance and am therefor still paying interest on the remaining balance. I believe that they are doing this on purpose to defraud me of money. I have called several times and have been contacted several times by email, and they keep telling me that they are going to help me, but nothing seems to ever happen, and I just keep getting charged interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
I have a bank account in XXXX ( XXXX XXXX XXXX XXXX ) and this year I withdrew the deposits as they matured. I noticed that I have been charged carrying fees for my transaction. Discover bank says they don't charge for wire transfer. Discover bank uses XXXX XXXX XXXX as correspondent bank. I have asked them why the year there has been between about {$50.00} lesser in remittance. Discover says they don't charge anything. XXXX also says they don't charge anything. My question is who is taking this money from me without reporting? all this transactions are USD and not in rupee. So, there is not currency exchange fees either. Can you please help me solve this mystery as I have lost at least {$300.00} in international transfers so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kwikcash, Inc.
State: TX

Complaint narrative:
I sent debt validation paperwork to XXXX XXXX XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023. XXXX XXXX XXXX mailed a generic response that they received my request but never provided the paperwork and underlying supporting documentation. The collection account listed on my credit file was deleted in XX/XX/2023 and then added back in XX/XX/2023 while being illegally re-aged. No debt validation paperwork has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: MN

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to formally dispute an item in my credit report that I believe to be inaccurate. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following item ( s ) on my credit report : Creditor Name : XXXX XXXX XXXX  XXXX ~ XXXX XXXX  XXXX XXXX ~ XXXX I have reviewed my credit report, and I believe that the information provided above is incorrect and should be rectified. According to the FCRA, it is the responsibility of the credit reporting agency to conduct a reasonable investigation within 30 days of receiving this dispute letter. 

I kindly request that you : * Conduct a thorough investigation into the disputed item ( s ) mentioned above. 
* Provide me with written results of the investigation. 
* Remove or correct the inaccurate information from my credit report, if found to be inaccurate. 
* Notify me in writing of any changes made to my credit report as a result of this dispute. 
* Please be aware that the FCRA obligates you to inform the furnisher of the disputed information about the nature of my dispute. I expect you to adhere to this requirement promptly. 

Section 605 of the FCRA covers the rules regarding the time periods for which certain adverse information may be reported in consumer credit reports. Specifically, it governs how long negative information, such as late payments, bankruptcies, or tax liens, can remain on a consumer 's credit report. 

Section 1681b of the FCRA governs the permissible purposes for which consumer reports can be obtained and used by various entities. It outlines the circumstances under which a consumer reporting agency can furnish a consumer report to third parties, such as creditors, employers, and landlords. 

Thank you for your assistance in resolving this matter. Please contact me at the address or phone number provided below should you require any further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my 3rd attempt to fix and update my personal information with Experian. I XXXX XXXX have updated all my accounts reporting with my correct and current address there should be only one address and my correct name reporting. Experian has failed to investigate and update my credit profile with reporting incorrect information. I advise Experian to correct my profile with one name XXXX XXXX and the one address connected to the accounts reporting XXXX XXXX XXXX XXXX NC XXXX. 
Experian has failed to follow compliance with FCRA and this is a violation of my consumer 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 non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Turning Point Solutions LLC
State: OK

Complaint narrative:
On XX/XX/XXXX @ XXXX I received an email from Advanced Capital Solutions in regards to an attempt to collect a debt. The original furnisher list is XXXX. As of XX/XX/XXXX I am officially disputing this debt. 

I am filing this complaint to dispute the debt that you are attempting to collect on behalf of XXXX. The account number for this debt listed in the email is XXXX. Reference number XXXX. 

I am disputing this debt because I do not believe that I owe it. I have never received any documentation from XXXX regarding this debt, and I do not recall ever having an account with them. 

Furthermore, I have never signed an agreement for my information to be shared or sold to Advanced Capital Solutions, nor do I have a contract with Advanced Capital Solutions. This is a direct violation of my consumer rights cited by the FDCPA. 

I am requesting that you verify this debt. Please provide me with copies of all original written documentation that you have that supports this debt, including the original bill, any payment records, and any correspondence that you have had with me regarding this debt. Please be advise these documents must have my consent stating I owe this debt to XXXX, or to Advanced Capital Solutions. This must be written, original documentation, not electronic forms or scans. 

I am also requesting, as I have not consented, that you not report this debt to the credit bureaus while the dispute is pending. At the bottom of the email it stated : " IF YOU LIVE IN KANSAS THIS APPLIES TO YOU : An investigative consumer report, which includes information as to your character, general reputation, personal characteristics and mode of living, has been requested. You have the right to request additional information, which includes the nature and scope of the investigation. If your debt is past the statute of limitations, you are hereby notified of the following important consumer information : The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt. '' Please be advised I never consented for Advanced Capital Solutions to pull my credit, nor do I live in Kansas. If my credit report has been pulled, please note I never consented to it and was done illegally. I will be verifying this with all 3 consumer reporting agencies. 

I am requesting Advanced Capital Solutions cease and desist all communication with me regarding the debt. If you are unable to verify this debt, I request Advanced Capital Solutions cease and desist all attempts to collect this debt further. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
A company named XXXX XXXX XXXX, XXXX sent a fraudulent debt to a collection agency, Wakefield & Associates to collect from me. When I reached out to W & A they stated the debt initiated from XXXX XXXX  XXXX in XXXX, FL. When I called the hospital they stated I had no outstanding debt with them and they do not and have never used XXXX XXXX XXXX. I spoke with XXXX @ XXXX XXXX  XXXX billing department ; their number is XXXX ext XXXX. W & A is still trying to collect a fraudulent debt from me. When I first received the collection I contacted W & A asking for proof. What I received was a unprofessional & clearly made up invoice from XXXX XXXX XXXX. I am attaching the correspondence I received from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Ive been locked out of two accounts since XX/XX/XXXX at Ally Bank. I received an email Friday, XX/XX/2023 : We regret to inform you that we were just made aware of an incident that resulted in unauthorized access to your personal information. 

Out of an abundance of caution, we have proactively placed a restriction on your account. Please call us at your earliest convenience at XXXX and press XXXX so that our team can help. 

Please do not reply to this email. 


I called twice on Friday, twice yesterday ( XXXX ), and once this morning. No one can ever tell me what is going on. No one can ever help in any way. I always have to talk to someone else, and some other dept. fraud dept ; loss prevention dept, APO dept, account take over dept. 

Ive talked to 6 different people. But no one helps in any way or explains anything. 
Ive waited on hold twice for 30 minutes, and once for 15 minutes. 

They refuse go put anyone on the phone who can discuss the matter.

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