vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
This is a follow up to the initial complaint ( XXXX ) whereas XXXX responded XX/XX/XXXX insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : Exeter Finance LLCXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) even though the loan application was submitted via THIER WEBSITE ( XXXX ) not XXXX XXXX XXXX which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through XXXX XXXX site that it would only be pulled for XXXX financing. You can even read the correspondence that I provided copies of that the loan application was submitted XXXXXXXX XXXX website and it should be the responsibility of XXXX and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and XXXX needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX XXXX prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXX XXXX I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all XXXX and XXXX partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. XXXX is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: Global Lending Services LLC
State: GA

Complaint narrative:
This is a follow up to the initial complaint ( XXXX ) whereas XXXX responded XX/XX/XXXX insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : XXXX XXXX XXXX XXXX Global Lending Services XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) even though the loan application was submitted via THIER WEBSITE ( XXXX  ) not XXXX XXXX XXXX which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through XXXX 's site that it would only be pulled for XXXX financing. You can even read the correspondence that I provided copies of that the loan application was submitted XXXXXXXX XXXX website and it should be the responsibility of XXXX and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and XXXX needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX XXXX prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXXXXXX XXXX. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all XXXX and XXXX partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. XXXX is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
This is a follow up to the initial complaint ( XXXX ) whereas XXXX responded XX/XX/XXXX insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and Santander Consumer USA ) even though the loan application was submitted via THIER WEBSITE ( XXXX ) not XXXX XXXX XXXX which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through XXXX 's site that it would only be pulled for XXXX XXXX You can even read the correspondence that I provided copies of that the loan application was submitted XXXXXXXX XXXX website and it should be the responsibility of XXXX and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and XXXX needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX XXXX prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXX XXXX. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all XXXX and XXXX partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. XXXX is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since I was involved in an attempted murder injury I have been trying to get my Capital One bill payment reduced or forgiven. I had made several attempts to remove my linked bank account but the system would not allow me to make such changes and I could not get any assistance through customer service before the account was closed. 

On Friday, XX/XX/year>, Capital One processed an unauthorized payment through my bank account for {$200.00}. Removing these funds forced me to cancel medical treatments causing financial, emotional, and physical harm. 

On Wednesday, XX/XX/year>, I called Capital One again to recover the unauthorized payment of {$200.00} informing them of the lack of medical care, and emotional as well as physical harm it caused, to no avail. Once again they refused to provide any compassion or follow Federal Trade and XXXX codes or ethics. My conversation with Capital One was recorded and is available per request. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : # XXXX, Bankruptcy XXXX XXXXXXXX : # Reference XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-10 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: TX

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX, Bankruptcy XXXX XXXXXXXX : # Reference XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received a notice that my account was over limit ( {$2200.00} ) in XXXX of XXXX. I paid the balance given to me as the entire amount owed ( {$2500.00} ) without any future charges, and closed my account. I printed out the receipt from their site. My credit report kept showing delinquencies and decreasing credit score, then a reiteration of the report that the account had been paid in full as of XXXX XXXX ; reported to the bureau on XXXX XXXX. XXXX and XXXX the account was reported paid ( XXXX ), XX/XX/XXXX and 27 reported account closed. Reports of delinquencies continued, and then on XXXX XXXX the account was charged off as bad debt by Synchrony for {$2800.00}, supported by an affidavit sworn by an employee of Synchrony in XX/XX/XXXX. Suddenly, I'm receiving mail from a law firm, XXXXXXXX XXXX XXXX XXXX in XXXX, MD stating that I was reported as owing {$2800.00} to Synchrony and I could dispute the report in writing on the letter they sent ( which I did ) and would receive copies of any correspondence in regards to the file. I attempted to call the firm and got no response either time I called. They sent a summons that was incomplete, then the filed in and registered summons was stuffed into my door frame about 2 months later, XX/XX/XXXX. 
The file name indicates Synchrony, and it uses the paid off and closed ( repeatedly reported ) then charged off account number. I'm not sure where the law firm fits in because the account was listed as charged off as bad debt by Synchrony, and the account was closed. It was not sent to collections, although they harassed me with daily calls from XXXX XXXX to after XXXX earlier in this mess. When I called Synchrony in XX/XX/XXXX to request information and was routed around and begged to not involve the XXXX  nor any other regulatory agencies, I also told them to stop harassing me. To their credit, they did stop the endless harassment in that manner, the monthly credit reports caused stress and negative financial impact. They comprised the entirety of my credit report, and dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I didn't started these records, and I unequivocally suspect them to be deceitful. I compassionately demand that you completely research and quickly eliminate them from my credit report. I have given supporting documentation to prove my case.

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 2024-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
This is the Complaint I filed again in XX/XX/2024. 
NO statements were mailed to me bc I can not access my statements on line bc of Ally 's system. You closed my Complaint BEFORE I received a statement on a closed account and I still have not received a statement on my IRA account which has over {$500000.00} in it. What is wrong with this government agency?????? Do you do anything t5o protect consumers????? Hit ally with a XXXX XXXX dollar fine and then maybe they will respond. Ally is laughing at you. 
In addition I want my IRA account transferred to XXXXXXXX XXXX. which have provided written authority to Ally on THEIR forms over year ago!!!!! Is your agency just paper shufflers????? 

Here is my last Complaint text : I have attempted to close my IRA accounts with Ally Bank for a year and half. filled out all their forms, faxed it, emailed it, even sent the forms to XXXX XXXX and XXXX who I want to transfer my IRA accounts to AND ALLY WILL NOT RESPOND TO XXXX. Since your dept is close to worthless and merely paper shufflers I am sending this complaint to you so you can snuggle it and NOT resolve the issues. In addition I requested that my IRA statements be sent to me as Ally will not allow me to view my statements on line. I requested my IRA statements be sent to me and my back statements for the last 2 years ( at not cost ) and Ally agreed to do it. I requested my statements on XXXX, XXXX and XXXX. I still have NO BANK statements of my IRA accounts. I need those statements so my attorney can file suit against Ally Bank. Based on your past no action I don't expect you will fine Ally Bank or resolve this but I ant a Complaint on record.

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 2024-04-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope XXXX day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with non-monetary relief