vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX Ally Auto has blocked my account from making any online payments. There was an issue with one of my banks which resulted in returned payments from Ally attempting to debit the account several times. I had to use a different account that Ally successfully received payment from. On XX/XX/23 I attempted to make a payment online at I was locked out of my account and was unable to get back into the account until XX/XX/23. Since then I have been trying to speak with a manager, which Ally refuses to transfer me to as to why my account is blocked from making payments online. I spoke with several reps who said I'm being required to submit certified payments. I've repeatedly stated that I don't have access to that option and asked for additional information, which was also refused. These reps claim that this is Ally 's policy and that my bank blocked my account. My bank did not do this and can not block another company 's account. This policy is not in my contract nor is it on the disclosures on the website. It is illegal to make any changes to a consumer account without proper written notification and as a result of the lack of competency from this company, I have acquired unnecessary late fees and Ally refuses to address my issues. By law, Ally was required to send me notice 30 days before my due date and they failed to do so. At this point, they are scamming customers because this is not a policy included in my written contract or any of the disclosure agreements. Ally needs to unblock my account so I can make a payment or completely resolve my loan before this turns into a legal 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 explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to address the erroneous reporting of accounts in my consumer report. I want to emphasize that I never provided written consent for the inclusion of these accounts. Consequently, I firmly believe that my rights under 15 USC 1681b have been violated. This breach pertains to safeguarding consumer information and the necessity of obtaining consent before its reporting. 

I have previously lodged a complaint with the Federal Trade Commission ( FTC ) and have been allocated a reference number : XXXX. Despite my efforts to have these items removed from my report, I have received unsolicited documents from the creditor, indicating a lack of cooperation. My grievance is specifically directed at your credit reporting agencies, as it falls within your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are obligated to swiftly block the reporting of any information that consumers identify as originating from suspected identity theft. I respectfully urge you to adhere to this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Original Creditors : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX I expect these accounts to be removed in accordance with the timeframe mandated by law, no later than four business days following your receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE XXXX HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-26 00:00:00
Product: Credit reporting 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:
I've noticed unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I've noticed unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, In accordance with FCRA my rights has been violated. Please see attached identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I made a consumer credit transaction with tower loan. My title to my car was taken as collateral. I submitted payment in full before payments were due in the form of a 1099A which was endorsed correctly according to law. I submitted with the 1099a a blank 1099c 1099oid and a 1099v for there use to submitted for payoff. Tower loan has called and threatened me to take my car advising they were not taking the payment. I sent them a certified letter telling them to cease and desist all calls and unlawful collections and they continue to call. Threatening me, one even hollered at me. I can't deal with them anyone. They need to be shut down now. I have submitted lawful payment for the payoff of the loan. It's important to note the original payment I submitted to them was never returned marked not accepted. The harassment continues every day several times a day threatening me they will take my car. They will not stop. I'm about to file suit on them. I have clearly spelled out to them the consumer laws and my rights and what a lawful payment is and they refuse and constantly harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2023, I eagerly opened a Truist checking account, taking advantage of the promotional code XXXX, which promised a {$400.00} reward for launching a new Truist XXXX Checking account and satisfying the requirement of at least XXXX qualifying Direct Deposits totaling {$1000.00} or more within the first 90 days of account activation. According to the terms and conditions, a qualifying Direct Deposit is defined as an electronic credit ( greater than {$0.00} ) of your salary, pension, Social Security, or other regular monthly income, deposited into your new checking account by your employer or an external agency. Transfers between accounts, deposits made through branches, ATMs, online transfers, mobile devices, debit/prepaid cards, or mail are not deemed eligible direct deposits. 

I made my first direct deposit on XX/XX/XXXX, totaling {$1000.00}, and the second one on XX/XX/XXXX, amounting to {$500.00}. This should have met the criteria, as it amounted to XXXX direct deposits totaling over {$1000.00} and were made within the XXXX window of account activation. Both deposits were processed through the XXXX network, with my employer clearly identified in the transactions. 

To my surprise, on XX/XX/XXXX, I noticed a {$12.00} account maintenance fee had been charged. Believing that this fee should have been waived due to the qualifying direct deposits, I reached out to Truist for clarification. However, I was informed that the fee was, indeed, the monthly maintenance charge, as I had allegedly failed to meet their direct deposit requirements. When I pointed out the direct deposits I had made, I was told that they did not qualify as direct deposits. When I inquired about the promotional offer, Truist confirmed that my account was indeed enrolled and eligible for the {$400.00} bonus, but the deposits I had submitted did not meet their criteria. While they did refund the maintenance fee as a " one-time courtesy credit, '' they did not provide any explanation as to why the XXXX direct deposits from my employer were not considered direct deposits according to their policies. 

In an effort to resolve this issue, I contacted my employer, who promptly submitted another direct deposit on XX/XX/XXXX, this time for {$500.00} through a different provider. However, even after this deposit was posted, Truist maintained that it did not qualify as a direct deposit. At this juncture, it became evident that I had unfortunately fallen victim to a misleading promotion that Truist had advertised on their website and social media. 

In light of this, I ultimately made the decision to close my Truist account, as it was apparent that the advertised promotion did not align with the actual qualifications and criteria set forth by the bank.

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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: VT

Complaint narrative:
On XX/XX/24 a check in the amount of {$1200.00} was debited from my joint M & T checking account incorrectly- M & T bank entered the wrong account number to draw the funds from by one digit- the check should have been debited from an entirely different account, owned by a different party, at an entirely different bank! I immediately called M & T who acknowledged the error, & said the funds would be put back into my account within XXXX hours. XXXX hours later- account still shows check being debited & available balance reflects loss. I called M & T again, & this time they told me it could take up to 3 business days, & were unable to provide me with any confirmation that the funds would in fact be put back into my account. Being the end of the month with my own bills due- and the large amount of the check- I'm very upset with the handling of this, I feel as if M & T Bank basically stole {$1200.00} from me. At the very least the bank should deposit funds in that amount to cover the wrongly cashed check. As of this writing the funds are still missing from my account, the check is showing as debited, & I do not know when, or for sure, the error will be corrected.

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 monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am writing to express my concern about the inaccurate representation of accounts in my consumer report. It has come to my attention that I never provided written consent for the inclusion of these accounts in my report, which, in my belief, constitutes a breach of my rights as outlined in 15 USC 1681b. This breach specifically relates to safeguarding consumer information and the essential requirement of obtaining consent prior to reporting it. 

I've already initiated a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, which is XXXX. Furthermore, I've made multiple attempts to request the removal of these entries from my report, only to receive unsolicited documents from the creditor. My grievance is aimed at your credit reporting agencies, as it falls within your responsibility to ensure accurate and compliant reporting. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly block the reporting of any information in a consumer 's file identified as originating from suspected identity theft. In light of this legal obligation, I respectfully request your prompt action in removing the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Requesting Removal of Unauthorized Inquiry XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX  Your prompt attention to this matter is greatly appreciated, and I trust that you will act in accordance with the law to rectify this situation promptly.

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 2023-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I have a car loan that had a 6 year term and an interest rate over 22 %. The loan 's maturity date was XX/XX/2023. I have been paying my normal monthly payment by the due date, but most recently XXXX XXXX has stopped taking my payments and said that they will no longer accept " partial '' payments, and want me to pay the remaining balance within 27 days or they are going to default me on the loan. There is approx {$2500.00} left on the loan. In addition, it seems like based on the statements and payments made, it seems like I may have overpaid on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Due to divorce and financial hardship, I had to file for bankruptcy in XXXX. I assumed my private student loans with Navient would be XXXX, but they were not. A Navient provided inaccurate information in relation to my ability to discharge the private student loans. In reading a article a couple of days ago, I learned my private loans with Navient could have been XXXX via bankruptcy. Due to Navient putting me in forbearance, interest applied has cause the XXXX private Navient loans to grow XXXX to XXXX times what I originally took out. As a result, literally all of my plans were going toward interest and not principle. Due to having knee XXXX, I was out of work for a couple of months. Due to being out, I have not been able to make payments since XXXX, XXXX. My question is... can my Navient private loans be XXXX via my XXXX bankruptcy? Or, can a lump sum settlement be derived to finally resolve my XXXX private Navient student loans? 

Note : The originally approved loans were approximately XXXX. With interest applied, the loan amount is over XXXX ... XXXX in interest alone

Company response to consumer: Closed with explanation