vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
I got a used car loan from A-L Financial in XXXX. My car was impounded, I lost my license and the vehicle was sold at auction by A-L Financial. The loan balance of {$3100.00} was charged off on XX/XX/XXXX. 

Now over 7 years later I am in the process of buying my first home but my credit keeps going down because A-L financial keeps pulling my credit without my authorization. A-L Financial Corp has pulled 3 hard inquiries without my consent or knowledge over the past 24 months and this has dropped my credit enough to stop me from qualifying for a better rate. 

A-L Financial Corp ran a hard inquiry thru XXXX without my authorization or knowledge on the following 3 dates over the past 24 months. 

1 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX 2 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX 3 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX This is A-L Financial Contact info as it appears on my credit report Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: OH

Complaint narrative:
On Wednesday, XXXX I requested and review my annual credit report and noticed a discrepancy with the reporting of one the accounts listed on my profile. 

My Perkins loan through XXXX / XXXX XXXX did not show the accurate balance and account standing. The last updated date stated on the report for this account was XXXX  when this account has been active & received monthly payments till this date XX/XX/XXXX. There is almost 2 years worth of data missing from this report which should show active & current payments to the account with the reduced remaining account balance. 

I request to have this inaccurate information reviewed & rectified to show current account standing & balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
unauthorized use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
I originally started disputing with this company on XX/XX/XXXX and it has been over 180 days since my first dispute and i have yet to receive any information that validates the alleged debt owed from the debt collector Northwest Financial Services. The debts date back to XXXX and i just now discovered them on my credit report. They sent me a letter on XX/XX/XXXX 90 days after my first dispute. i also did a XXXX complaint and then they finally responded with the attached letter saying that the debt is mine but they haven't validated any of the accounts. They have violated my rights to privacy, and They are still showing this alleged debt on my credit report, and causing me anxiety and stress.They don't seem to be taking me serious so i may have to envolk my rights to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CA

Complaint narrative:
unauthorized use of my 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 explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: GSA Commercial Asset Management
State: CA

Complaint narrative:
FEDERAL BUILDING no allow me contact FEDERAL court and FEDERAL JUDGE CAN I REQUEST TREASURY OF US, FTC, FCC, GSA and to solve compensation for me {$1.00} XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Sent certified letter requesting debt validation under the Fair credit reporting Act. Company replied with a letter on XX/XX/21 stating that they will continue to publish this account. Company did not provide any debt verification. 

Company employee named XXXX XXXX Stated that there was not enough proof to validate the account to me and should be removed on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: SC

Complaint narrative:
I have contacted Transunion by phone as well as by physical mail concerning several inquiries on my credit report that do not belong to me. I did not receive any response to my letter and the representatives I spoke with at Transunion were unhelpful as well. 

The inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
I did not authorize this. I have no knowledge of this debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was at the grocery store when my card was declined. I called customer service and was told that my account was permanently suspended and I was immediately hung up on.The Amex XXXX and Customer service line have been of no help and I still have money in there I need to pay rent food medication etc. 

Prepaid card name is Bluebird This happened XXXX XX/XX/2021 I have a balance of {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
long story short i bought a washing machine part off XXXX. XXXX completely botched the case I had opened and refused to correct it, so I did a charge back with my credit card who also botched that dispute as well and went to the XXXX for help and they sent me san email claiming they had requested pictures of the damage item which i never received and i would have gladly provided it if i was informed. this involves Dispute ID : XXXX pic of the damaged item is being attached to this complaint. 

since this is being filed i also never received my credit card replacement either or any letter they claimed was sent out on XX/XX/XXXX requesting information. i have filed over a dozen complaints against the post office over the last couple months for various issues including missing mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive been a victim of fraud I have wrongfully Open the account under my name that has went delinquent and now closed and hurting my credit badly with the late payments and unpaid debt I have put security freezes and fraud alerts on all my reports so this doesnt happen again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive been a victim of fraud I have wrongfully Open the account under my name that has went delinquent and now closed and hurting my credit badly with the late payments and unpaid debt I have put security freezes and fraud alerts on all my reports so this doesnt happen again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive been a victim of fraud I have wrongfully Open the account under my name that has went delinquent and now closed and hurting my credit badly with the late payments and unpaid debt I have put security freezes and fraud alerts on all my reports so this doesnt happen again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I mailed off a dispute letter over a month ago. the credit bureau has not responded nor corrected my problem. They are reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 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: TN

Complaint narrative:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have been trying to reach BinanceUS ( cryptocurrency exchange ) for over 4 months because I have XXXX on my account there but it wont let me withdraw or take any action because my account is pending verification. I have attempted to reach out to their support email only to be told it is pending and may take longer than expected because there is high volume. Well, I created my account with them in XX/XX/2021 and have been told the same response back then. I just want my XXXX withdrawn and not to deal with this company any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
my account is restricted Because of potential risk exposure, we've permanently limited your account. You'll no longer be able to use the account for any transactions. but I have not done any thing and my money is stuck in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: FL

Complaint narrative:
I Have A Number Of Accounts On My Report That I Do Not Recognize Due To Inaccuracy. XXXX  The Only Bureau Thats Not Deleting These Accounts, Transunion Have Yet To Delete One Of The Accounts. I Have Sent In My Ftc Report With Clear Instructions On What Actions I Need To Be Taken. XXXX  Keep Treating The Issue As A Regular Dispute I Don't Think The Ftc Report Is Being Incuded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I mailed off a dispute letter over a month ago. the credit bureau has not responded nor corrected my problem.They are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The company initially gave me a 72 month loan at $ XXXX monthly with my first payment due XX/XX/XXXX, I made my first payment in XXXX of XXXX, a month before the payment was do instead of posting the payment to the month it was do XX/XX/XXXX, they created a payment due for XX/XX/XXXX. Then throughout my loan I been given 5 extensions or payment deferments the company has posted payments to months that were deferred. In XXXX of XXXX I made 3 payments totaling {$2100.00} the company applied all those payments to interest and posted to deferred payments which now they are saying I have two 30 day lates for months XX/XX/XXXX and XX/XX/XXXX. I had several calls within the company explaining how the posting was incorrect walking step by step with the representative they final see it, I have also talked with a member of there leadership team who found the error on his own and assured me that he would have this corrected and credits issued for late fees and etc, he also said he would be sending it over to his ASU DEPARTMENT to correct my credit report well thats where the ball drops. No one within that department will take the time to review the payments and reach out to me or the member of leadership to ask questions. Attached you will find thr transaction history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 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: TN

Complaint narrative:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company initially gave me a 72 month loan at $ XXXX monthly with my first payment due XX/XX/XXXX, I made my first payment in XXXX of XXXX, a month before the payment was do instead of posting the payment to the month it was do XX/XX/XXXX, they created a payment due for XX/XX/XXXX. Then throughout my loan I been given 5 extensions or payment deferments the company has posted payments to months that were deferred. In XXXX of XXXX I made 3 payments totaling {$2100.00} the company applied all those payments to interest and posted to deferred payments which now they are saying I have two 30 day lates for months XX/XX/XXXX and XX/XX/XXXX. I had several calls within the company explaining how the posting was incorrect walking step by step with the representative they final see it, I have also talked with a member of there leadership team who found the error on his own and assured me that he would have this corrected and credits issued for late fees and etc, he also said he would be sending it over to his ASU DEPARTMENT to correct my credit report well thats where the ball drops. No one within that department will take the time to review the payments and reach out to me or the member of leadership to ask questions. Attached you will find thr transaction history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The company initially gave me a 72 month loan at $ XXXX  monthly with my first payment due XX/XX/XXXX, I made my first payment in XXXX of XXXX, a month before the payment was do instead of posting the payment to the month it was do XX/XX/XXXX, they created a payment due for XX/XX/XXXX. Then throughout my loan I been given 5 extensions or payment deferments the company has posted payments to months that were deferred. In XXXX of XXXX I made 3 payments totaling {$2100.00} the company applied all those payments to interest and posted to deferred payments which now they are saying I have two 30 day lates for months XX/XX/XXXX and XX/XX/XXXX. I had several calls within the company explaining how the posting was incorrect walking step by step with the representative they final see it, I have also talked with a member of there leadership team who found the error on his own and assured me that he would have this corrected and credits issued for late fees and etc, he also said he would be sending it over to his ASU DEPARTMENT to correct my credit report well thats where the ball drops. No one within that department will take the time to review the payments and reach out to me or the member of leadership to ask questions. Attached you will find thr transaction history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Lending Club Corp
State: NY

Complaint narrative:
My rights of privacy have been breached and trespassed by this company which is a direct violation of federal law. This company is also in violation of federal law by reporting misleading information on their website without my written consent. This company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation