vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A Bank of America Charge Card showed on my Credit report Acct ending in ( XXXX ). There was a {$5200.00} charge to this account that was open XX/XX/XXXX. This account was closed in XXXX of XXXX. I received notification on my credit report ( XXXX ) that my score dropped due to non payment. The account was closed and Bank of America charged it off. I filed a police report and a fraud theft report when I found this had happened. This account was created in Nevada. The person had my name, SSN & DOB. I was not the person who established this accounts. I am from Virginia. I have never lived in Nevada, nor have I ever had any account with Bank of America. I was told by XXXX that Bank of America notified them on XXXXXXXX  to put the credit issue back on my report that they determined the accounts to be non-fraudulent. I have spent countless hours on the phone with BOA trying to get this resolved.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX  my wallet was stolen at a restaurant. As soon as I noticed, I logged into my Chime app to turn off transactions. Upon opening, I saw that my account had essentially been drained in two transactions ( one for {$1000.00} and second for {$300.00} ). I immediately turned off the card and reached out to customer support to report the fraudulent transactions. The agent took my report but said a dispute could not be done until the transactions settled. I called on XX/XX/XXXX to check on the status because I noticed the charges had settled and was told that they would commence investigation for dispute once it cleared on their end. I hung up at XXXXXXXX XXXX and less than 2 hours later received an email stating that the investigation was concluded and that my dispute had been declined as " no billing errors were found. '' Shocked that they would make such a big decision in less than 2 hours and leave me broke, I requested a copy of the investigation results, which they are required to provide under the law. Multiple days later they sent me an email with " investigation results '' and when I opened it saw that it was a single page document titled " intake form, '' and only had the information for my original dispute. This proves no investigation was conducted. I called to request further information and the agent told me that Chime has a policy of " automatically denying '' initial disputes and advised me to submit an appeal. I submitted the appeal and was denied a few hours later, again. I requested the results of their investigation, which they are required by law to provide, and again, many days later received that same single piece of paper just detailing my dispute. 

Multiple consumer laws have been broken by Chime in this process by not conducting a good faith investigation into the claims, not following through with their zero liability for fraudulent transactions policy and then refusing to or being unable to provide me with the results of their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Mas Financial Services is reporting on my credit report as a Auto Loan which is incorrect information I dont have a auto loan its a Credit Sale, do to this inaccuracy I need the auto loan removed from my credit report immediately. Also any late payments after the repossession they need to be removed immediately this vechile is now sold. 

After a vechile is repossessed it is sold at a auction for a fraction for what is owed to the original creditor, Mas Financial is no longer allowed to report late payments. 
Defaulting on payments beyond XXXX, XXXX, XXXX is inaccurate, XXXX XXXX is when the XXXX XXXX XXXX was repossessed. If this matter do not get removed after sending this complaint out I will have to take this matter further. 

Also MAS FINANCIAL is in violation of privacy act 1974, I didnt give MAS FINANCIAL Consent to report my personal information. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804. I ask that MAS FINANCIAL to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ).

Also Mas Financial Closed this Credit sale which they state on my credit report as an Auto Loan but it is now showing reopened it should still show closed, please remove this inaccurate information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My apple account was closed on the phone they said your account is closed which I never opened. My phone was stolen on XXXX XXXX  that day the robber opens an apple card account using my identity. My apple card account was closed but now they send me an email saying. 
to pay the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
delete XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern 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 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-10-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX- XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-10-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX- XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: CO

Complaint narrative:
I submitted identity theft reports to all 3 credit reporting agencies on XX/XX/2023 with 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer per the law. 

When I spoke with the credit reporting agency representatives today I was told that the items are in dispute and the companies have 30 days to reply. I was also told by Equifax that due to some internal issue with my file that the process had not started yet. The law makes no consensus for this. In fact, I have requested the update of my personal information before with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Our Corporate Wells Fargo Account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Wells Fargo is unrightfully holding in reserve for over 8 months now our payout of {$2300.00}. I contacted them today and they said that they can hold our funds that are due for one year which would be XX/XX/XXXX of XXXX. They unrightfully terminated our vendor account without notification on XX/XX/XXXX and are holding funds from Account number XXXX Please help

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent several written requests to Experian to remove erroneous accounts and information from my credit report. I have sent numerous letters over the last eight months, yet they have not removed the information and accounts, nor have they provided valid proof that the information is correctly reported. I have provided all information as instructed when I submitted my letters and I have given ample time for Experian to review my request and rectify the situation. At this point, they are refusing to process my requests and have failed to do their part in verifying all information that they are reporting. I have attached all of the letters I sent to them for your reference.

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 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX at XXXX in the morning my cash app account was compromised and someone made over 50 purchases in the matter of minutes stealing close to {$700.00} dollars and sending my account into a negitive status. I reached out to cash app the next day to cancel my card and dispute the charges made against account to only get the run around for the next few days. Everytime I call cash app customer service there is no one that can help me and they basically tell me to do the same things over and over. They keep telling me that I need to verify my account which I do but then when I go to dispute the charges they tell me I have to do It all over again. I even had to get my parent 's involved because when I first started my account I was a minor so my dad had to be on the account as well. They said they could do anything about the fraud because my dads name was still attached and he would have to take his name off before I dispute the charges. My dad call and ended his sponsership but cash app is refusing to takes his name off the account leaving me no way to get my money back that was taken. I found it so disheartening that I can be the VICTIM of fraud and my whole savings wiped out and the customer service team for this company to treat me as if I dont matter!!! I have files other complaint with the XXXX, as well as the FDIC because I refuse to allow this person who stole from me to keep my money and I never be refunded. I'm prepared to take this however far I need to. I am a XXXX XXXX and that money that was in my account was for my books. I really hope that I can resolve this matter but I really feel like I am getting no where. and even though my account is closed and card is canceled they are still allowing unautherized purchases to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
Last year we got behind on mortgage but to get relief they told us it has to be at least 2 months behind for loss mitigation. So after 2 months I applied and sent all documents then on deadline they told me it got denied and I had to send more information. I then resent everything again and asked them if I can still pay while in loss mitigation. They advised me that I can not make payments until it was finished. This process happened about 4 times of I remember where I kept sending everything. They not only didnt keep me informed I had to call them weekly for updates and told they didnt know anything yet. Finally I got on 3 month forbearance which ended XX/XX/2023 but at beginning of last month they said they were sending me a packet to renegotiate our loan in middle of XXXX. Not only did they not send anything they also did not contact me to tell me it fell through. I called On last day of XXXX to see where the papers were and they told me they were unable to do anything that Im in foreclosure now. I asked for our communication transcripts but they said I must subpoena them for the 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
Company violated my consumer rights under 15 U.S. 1601

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
Applied for a line of credit with Headway Capital late XXXX, provided bank records they needed. Once we were approved for a XXXX loan they called to make the transaction over the phone. Terms we discusssed on the recording were different that what was online when we repaid within 30 days. They agreed to waive the 2 % draw fee. Have asked the President XXXX XXXX who ran the call and provided the loan to provide the voice recording on the day where we discussed the terms. That was 3 weeks ago and they have still not resolved the difference in fees than what was presented on the call vs. the contract online. I'm tired of hearing someone will reach out to you when no one does. If you are considering a loan with them, get everything in writing or the voice recording before you are pressured to sign over the phone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation