vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
So I have taken out two loans with main financial and the first time I took a loan with the in XXXX of XXXX for {$2000.00}. I did feel as if I was forced to add on packages to get my loan funds. I added on two packages that I felt where the cheapest and called it a day to get my loan. Then I had another loan in XX/XX/XXXX for {$7000.00}. They tried to get me to do the same by adding on packages but I did at first and then I ended up taking them off which was a big shocker to the rep. She tried to explain to me why they are beneficial intensively but I didnt budge. I also believe on both of my loans there XXXX have been added interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: NC

Complaint narrative:
On two accounts on my credit report, I have late payments due to having XXXX and I was unable to work. Therefore I was late making payments on time. I explained this to all 3 credit agencies but they denied my request to have them removed. The account are XXXX and XXXX XXXX. On XXXX I was late XX/XX/2022 and XXXX XX/XX/2022. I asks that these late payment be updated as pay as agreed and never late. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account ur open end consumer credit plan as I purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: SC

Complaint narrative:
I rented a shed from XXXX XXXX XXXX XXXX we decided to sell our house so there was no more need for the shed. We called the company paid over {$1000.00} to get the account paid up and scheduled a pick up for the shed. Then they waited months to actually pick up the shed, but kept on charging us monthly payments after they said the bill we paid would be all that was needed then sent us to the collectors at the FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX which we now owe {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XXXX of XXXX, Barclays gave me a late payment from a payment for a couple XXXX bucks that I was trying to pay on their app. Their app was malfunctioning by not letting me login then showing errors when I went to make the payment. I reached out to them via phone and they said it would be fixed. I then got a late payment when the payment was not even 30 days late at that point. They also did not notify me that the payment was going to be late. I then called on XX/XX/2022 and they raised my limit back up but did not help me get this late payment off of 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 explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am writing to complain about a denial of account opening without explanation. At the beginning of XXXX, I tried to open a checking account over the phone with a BMO bank representative. I was denied without a reason, merely that I would receive a letter in the mail explaining why. The letter arrived ( this can be viewed in the attached documents ) but there was still no explanation, just a vague referral to a XXXX report which was allegedly not a factor in the denial. I spoke with XXXX subsequently and received their consumer report which contained ZERO flags or delinquent accounts. This report is also attached. 

I make over $ XXXX and my XXXX score is over XXXX. BMO owes me an explanation SPECIFICALLY why this account was denied. I expect a BMO representative to CALL ME with this explanation.

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 2023-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Fair collections and out is fraudulently reporting a collection on my credit profile after a full payment was made to XXXX XXXX which they failed to remove from my credit

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 2023-06-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Nissan Motor Acceptance are reporting late payments that are false late payments. I have tired calling them and disputing the issue with no correction. This issue has cause me higher interest rates on my new automobile, which has cause hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I applied for a loan of XX/XX/23 after receiving an emailing stating I was prequalified. I applied and was approved for an installment loan of {$4300.00} and a LOC over XXXX. I decided the installment loan and went forward with signing of a contract. I was given a loan no and an acct # Loan No. : XXXX Account ID : XXXX. This company then did a hard pull on my credit file with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
In XX/XX/2023, my Citibank checking account which is connected with an accelerated savings account was charged $ XXXX  monthly fee for the first time. We knew from when opening this account and had enough in the combined savings and checking account to avoid any monthly or overdraft fees. We called and asked why this was charged however the representative was unable to answer why this was charged. They were happy to reverse this fee. However, there was no notification as to when this fee was charged and why we were charged this fee. This represents illegal fees without appropriate notification or explanation by Citibank and I am worried about my account and the XXXX of other account holders who are being charged these fees without explanation or notice.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE NOT MINE .PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES. 
XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Bankruptcy XXXX XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX/XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX/XXXX  Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: NC

Complaint narrative:
I am a living human being writing a complaint against the company of TransUnion, XXXX and XXXX. My information has been compromised through their inadequate process causing violations on their behalf of the 15 USC 168. This company is furnishing fraudulent inquiries on my credit profile that were not authorized by me the consumer XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery has two of my accounts in collection. Ive told them repeatedly that I am on workers compensation and dont have the money to make payments. But they call 4-5 times a day. And even after XXXX XXXX! Ive gotten to the point where I dont want to answer anymore. When I told them in XXXX of XXXX  that I was in able to pay the told me to borrow the money from a family member or to sell my car!! Not to mention the two debts are more than XXXX years old! But they dropped off the credit report 2 years ago and then all of a sudden they popped back up again as renewed with a newer start date. So it will never drop off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: CO

Complaint narrative:
I get calls about three times per day. Sometimes will pick up. I have once told them to stop calling. The company will call from different numbers and let me know the call is being recorded but will not let me know who is calling. I let them know to stop contacting me a couple times in the early stages of the collection process because I have not received any information verifying the debt or anything but they refuse to take me off their list. Even if I answer the phone they will call later on in the evening usually to try again. I have screenshots of every time and day they call and have blocked several of their numbers to stop the annoyance but it continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: CA

Complaint narrative:
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter and that didn't happen I haven't even received an email informing me that my consumer dispute letter was disregarded which led to my consumer rights being violated

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 2023-06-03 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT AL
SO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to all XXXX inquiries companies that were on my credit report to have them removed into inform them that my information was obtained illegally, and Credit was trying to be obtained illegally, and they still havent done anything about removing them from 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 non-monetary relief
Consumer complaint received 2023-06-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, I have disputed this many times with no success. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX These companies have violated my rights under the Fair Credit Reporting Act 15 USC 1681-6028 - My right to privacy 15 USC 1681- 6042- They have never gotten written permission from me to report these companies companies claims

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 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Two credit cards have been ran in my name and it was not me. One is capital one and one is XXXX. I would like to report it and find out who is running my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: NC

Complaint narrative:
On two accounts on my credit report, I have late payments due to having Covid and I was unable to work. Therefore I was late making payments on time. I explained this to all 3 credit agencies but they denied my request to have them removed. The account are XXXX and XXXX XXXX. On XXXX I was late XX/XX/2022 and XXXX XX/XX/2022. I asks that these late payment be updated as pay as agreed and never late. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account ur open end consumer credit plan as I purpose.

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 2023-06-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On two accounts on my credit report, I have late payments due to having XXXX and I was unable to work. Therefore I was late making payments on time. I explained this to all 3 credit agencies but they denied my request to have them removed. The account are XXXX and XXXX XXXX. On XXXX I was late XX/XX/2022 and XXXX XX/XX/2022. I asks that these late payment be updated as pay as agreed and never late. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account ur open end consumer credit plan as I purpose.

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 2023-06-03 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: NC

Complaint narrative:
I am a living human being writing a complaint against the company of XXXX, Equifax and XXXX. My information has been compromised through their inadequate process causing violations on their behalf of the 15 USC 168. This company is furnishing fraudulent inquiries on my credit profile that were not authorized by me the consumer XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Aldous and associates failed to provide a liable signature document showing proof I went to blink fitness and also refusing to remove that fraudulent debt account from my credit report or send any formal documentation or agreement to prove that the collection account is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
This debt was from XXXX XXXX XXXX XXXX, which occurred during the peak of covid 19 XX/XX/2021. Due to the pandemic, I was hit with financial hardship due to unemployment and was not able to pay my energy bill in the amount of {$1400.00}. It has had a long-term effect to this day affecting me from doing the necessities like getting a car loan for a car or applying for a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
SUBJECT-FEES CHARGED AS RETURN CHECK FEE DESPITE PRIOR CANCELLATION OF AUTOMATIC PAYMENT Dear Sir, This is to bring to your notice that my credit card company-CITIBANK ( account ending XXXX XXXX ) has fraudently charged me an amount of XXXX $ on XX/XX/26 claiming RETURNED CHECK from my XXXX XXXX XXXX checking account.On enquiring , with XXXX XXXX XXXX, they have said citibank had tried withdrawing XXXX my checking account twice in succession on XXXX and XXXX of XXXX XXXXI had cancelled automatic payments to citibank well in advance of this date.Despite this citibank went forward with this transaction..On contacting citibank, they said there is no option to refund this charge at present.but would take care of such issues in future. 
Kindly take action against citibank and please refund me, the amount of {$41.00}, fraudently charged on my account resulting in me, sufferring undue mental stress and hardship. 
I have attached, my bank statement summary from citibank. 

Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03 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: DISCOVER BANK
State: MO

Complaint narrative:
Discover Bank Card Subject : Request for Account Deletion as per XXXX XXXX XXXX Points of Compliance I am writing to request the deletion of my account from your records in accordance with the XXXX XXXX XXXX Points of Compliance. As a consumer, I understand that the XXXX XXXX format is an industry standard for reporting credit information, and it includes guidelines for accurate and fair reporting. 

I kindly ask that you consider the following XXXX points of compliance and take the necessary steps to delete my account from your reporting : 1. Accuracy : I request that my account information be deleted promptly if it contains any inaccuracies, incomplete information, or discrepancies that may impact my creditworthiness. 

2. Integrity : It is my understanding that you should maintain the integrity of my personal information, ensuring its confidentiality and protection from unauthorized access. 

3. Promptness : I expect that you will process my request promptly, taking into account the specified timelines for deletion as per the XXXX XXXX guidelines. 

4. Documentation : I request that you provide written confirmation of the account deletion, including the removal of any negative information associated with my account. 

5. Compliance : I trust that you will adhere to all applicable laws and regulations regarding consumer credit reporting, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX guidelines. 

Please acknowledge this request within 3 days from the receipt of this letter and provide written confirmation of the account deletion as per the XXXX XXXX guidelines. 

Thank you for your attention to this matter. I appreciate your cooperation in ensuring the accurate and fair reporting of my credit information. 

Sincerely,

Company response to consumer: Closed with explanation