vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Care credit/synBank Account XXXX XX/XX/2022 INTEREST CHARGE ON PURCHASES {$110.00} XX/XX/2022 PAYMENT - THANK YOU - {$510.00} XX/XX/2022 INTEREST CHARGE ON PURCHASES XXXX XXXX XX/XX/2022 PAYMENT - THANK YOU - {$410.00} XX/XX/2022 INTEREST CHARGE ON PURCHASES {$35.00} Per the FCRA, I was not advised to call the company and inform them as to where I would like the funds to go! Which in turn, caused a high interest and a serious decline of my credit score!

According XXXX XXXX XXXX, this is a form of aggravated finance identity theft.

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 2022-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on an extension of credit account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have several store cards and one general credit card with Comenity Bank ( now Bread XXXX ). I have paid them all on time and some in full or down substantially over the last few months. Comenity has not reported any of my on time payments nor the correct balances since XX/XX/2022. All of this would be impactful to my credit score as I am looking to buy a house relatively soon. I would like them to accurately reflect my payment history and balances. I called to get a balance letter for one of my accounts and they told me ( as they have others ) they have had system issues. I can understand a one month issue maybe two but now we are heading into XXXX which would make this the 4th or 5th month with inaccurate reporting. It is unacceptable and they need to do better.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account Name XXXX XXXX XXXX XXXX account number XXXX with balance of {$680.00}, Account Name XXXX XXXX account number XXXX with balance of {$0.00}, Account Name XXXXXXXX XXXX  XXXX account number XXXX with balance of {$0.00}, Account Name XXXX XXXX Bk account numberXXXX Account Name XXXX with balance or {$96.00} Account Name XXXXXXXX XXXX XXXX with balance of {$160.00} Account Name XXXX with balance of {$60.00} Account Name XXXX with balance of {$600.00} Account Name XXXX with balance of {$290.00}. has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 conviction of crimes which antedates the report by more than seven years.XXXX XXXX XXXX XXXX ( A ) (! ) 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 explanation
Consumer complaint received 2022-10-21 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: Account Managers, Inc.
State: ND

Complaint narrative:
ALL 3 MAJOR CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX  ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am in the process of selling my current home and purchasing a new one. During the title search process, we discovered a lien filed on the property in 2007 by GE Money bank. We had a home improvement loan and at the time we took the loan out, they placed the lien on the property. GE Money Bank changed its name to Synchrony Bank at some point. I contacted Synchrony to obtain a lien release and I was informed that they only kept the motorsports accounts. All other loans were sold to other banks. They gave me several numbers for XXXX XXXX, as they told me is who would have been transferred the loan. According to some research, I believe XXXX XXXX went bankrupt and possibly sold the loans to XXXX, who I believe also either sold it or went bankrupt. With all of these entities, none of them recorded an assignment of the debt with the recorder of deeds after the original party sold or transferred the account. I have no records as this was over 15 years ago. We need someone to release the lien as soon as possible on the property so we can proceed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: ND

Complaint narrative:
ALL 3 MAJOR CREDIT REPORTING AGENCIES ( XXXX, XXXX, TRANSUNION ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: EQUIFAX, INC.
State: ND

Complaint narrative:
ALL 3 MAJOR CREDIT REPORTING AGENCIES ( EQUIFAX, XXXX, XXXX ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A thief stole my identity, created checks, and used my ssn without me knowing for years. 
You must delete everything XXXX XXXX have more proof of the stolen and fruad activity This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A thief stole my identity, created checks, and used my ssn without me knowing for years. 
You must delete everything XXXX XXXX have more proof of the stolen and fruad activity This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage was recently transferred from XXXX mortgage to Truist, I was informed over the phone that Truist does not allow recurring payments to be setup from external bank accounts. They told me they only allow recurring payments from Truist bank accounts. 

On their website, when I try to setup an recurring payment from an external bank account - that functionality has been disabled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to place a formal complaint against TransUnion for violating my FCRA rights and my privacy. They have placed XXXX public records on my consumer report that should not be there : Public Record - XXXX XXXX XXXX XXXX Reference # XXXX Public Record - XXXX XXXX XXXX XXXX - Reference # XXXX I reached out to the courts who verified that they do not report XXXX to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Transunion is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately.

The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Failure to Comply or delete these items is a clear violation : Public Record - XXXX XXXX XXXX - Reference # XXXX Public Record - XXXX XXXX XXXX XXXX  - Reference # XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my TransUnion credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: Concentric Receivables Management, Ltd.
State: TX

Complaint narrative:
I had XXXX XXXX that I paid cash for the service. I paid the doctor and the facility in full at the time of the service. Over a year later, I see a derogatory mark on my credit. I called the company and they said I received a medical device and that I hadnt paid for it. 
I explained I never received the device and so I should not be responsible. They said you still owe us for it. I think this company is a scam and demand it be removed from my XXXX report. XXXX has already removed this from my credit. 
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information ( This section includes accounts that have been placed for collection with a collection agency. ) CONCENTRIC RECEIVABLES XXXX XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Account Number XXXX Status Date Date Reported Date Assigned XX/XX/2022 XX/XX/2022 Date of XXXX Delinquency Creditor Class XXXX XXXX Balance Date Balance Amount Page 3 of 26 Client Name CONCENTRIC RECEIVABLES MGMT Last Payment Date Whose Account Original Amount {$2900.00} ( Continued On Next Page ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MA

Complaint narrative:
Unauthorized inquiries from XXXX occurring on my accounts XXXX and another XXXX recently of XXXX  are fraudulent and unauthorized requesting the immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was approved and took out a Secured Discover Credit Card in XX/XX/2022, and provided a security deposit of {$2500.00}. Discover clearly advertises that security deposits will be returned after 6 months on-time payments across all credit accounts, and sent monthly reminders indicating my progress toward this goal, indicating that deposits are typically returned in 2-3 business days after meeting the 6 month requirement. 

In XXXX, I was notified that I had successfully met all requirements and would be receiving my deposit back. However, at that time, Discover began to stonewall the process of returning the funds as agreed. 

I was told that a check had been sent that never arrived. A customer service representative then told me that a replacement check would be sent, but this was never processed. I was then told that an ACH deposit would be made, only to have a supervisor later inform me that Discover does not have the " capacity '' to return deposits using ACH. 

Further attempts to escalate or expedite the return of the funds were flatly rejected. 

Discover is in obvious breach of its own cardholder agreement and written promises, yet I have no recourse to hold them accountable and have them return my funds, and I seek assistance from the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed this inaccurate information to Equifax, XXXX, and XXXX sometime in mid 2021 and the denied my request, but I included my Federal Trade Commission Fraud report and all proper I.D . I am in the process of disputing this issue again. This time I will include the police report and this complaint. Because I did not open or have knowledge of these accounts until my first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX, we were pre-approved by Supreme Lending for financing on the purchase of a home. The lender encouraged us to waive financing contingency to make our offer more appealing. The pre-approval letter provided by the lender represents that we are approved for no contingency. The pre-approval letter also shows that approval required no discount points. [ See " Pre-Approval Letter.pdf '' ] We submitted an offer without financing contingency, per the lender 's advice and guidance, and our offer was accepted on Friday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX, after our offer was accepted, the lender informed us for the first time that we needed to pay a discount point on the property. This requirement was not previously disclosed and would increase our closing costs by {$20000.00}. The lender also informed us that if we did not agree to pay the discount point, they could not proceed with the mortgage. Since we relied on their advice and waived our financing contingency and the offer had been accepted, we effectively had to agree to pay Supreme Lending {$20000.00} or forfeit our substantial earnest money to the seller. Supreme Lending acknowledged that they did not inform us of the discount point requirement in advance. 

After discussing, they agreed to two concessions. First, they agreed to cut the cost of the discount point in half, to roughly {$10000.00}. Second, they agreed to re-finance us at no cost in XXXX in attempt to get us a lower rate, because even with discount points, his rate was 5.875 %, which was materially higher than the market average at the time. [ See " Lender email on discount points.pdf '' ] We closed the loan with Supreme Lending. In XXXX, we contacted Supreme Lending to re-finance the loan to a lower rate at no cost, as we had discussed. The loan originator was evasive, and refused to speak with us. He eventually left Supreme Lending. The loan originator 's team told us that they wouldn't be able to help us. 

We were able to refinance with another lender, XXXXXXXX XXXX at a significantly lower rate with no discount points, and recently closed that refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified the accounts? How did they verify? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my name on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

* Dept of EdXXXX XXXXXXXX - XX/XX/XXXX * Dept of EdXXXX  XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/XX/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 2022-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Service of Nevada
State: NV

Complaint narrative:
On XXXX I mailed out a Debt Validation Letter to Sierra Outsourcing Solutions. They did not respond with the appropriate debt proof that was requested. I have never received anything in the mail. Per the Fair Debt Collection Practices Act, you have to respond to my validation of debt request within 30 days. Since you didn't, you have to remove my debt from collections as you failed to provide proof. Per my letter that I mailed out by certified mail, it states : 'If you have good reason to believe that I am responsible for this debt, mail me the documents showing my responsibility, including but limited to : Assigned contract proving this debt belongs to me, A last statement or bill providing how much I owe, Proof of the last action taken on the account, And proof that you are licensed in Nevada XXXX '' None of this was provided. You need to remove my collections from all 3 credit bureaus as you have violated the FairDebt Collection Practices Act.

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