vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: EQUIFAX, INC.
State: MA

Complaint narrative:
In XXXX of this year, I purchased a laptop computer from XXXX XXXX and utilized your credit card service for installment payments with zero interest charges. I made timely payments for the first two installments, as evidenced by the enclosed documents dated XX/XX/XXXX and XX/XX/2023. 
However, unknowingly, these payments were directed towards my old XXXX XXXX account. 

Upon being informed of the mistake, I contacted XXXX XXXX, and their representative attempted to transfer the payments to my current account, number ending XXXX Unfortunately, due to system limitations, they were unable to process the transfer and instead issued a refund check to me for the total amount of {$110.00}, dated XX/XX/2023. Subsequently, I promptly reissued the payment to the correct account on XX/XX/2023, in the same amount. 

I was explicitly assured by XXXX XXXX representatives that this incident would not impact my credit rating due to the error being rectified. However, to my dismay, I observed my credit report drastically decline from XXXX to XXXX following the reporting of two delinquencies XXXX XXXX Upon contacting XXXX XXXX again, I was informed that they were unable to rectify the information provided to the credit reporting agencies, despite assurances of resolution within 40 days. The subsequent letter received on XX/XX/XXXX was equally disheartening, confirming the inability to amend the reported data. 

Enclosed are all necessary documents, including copies of the refund check, subsequent payment, and evidence of the initial timely payments, to support my appeal. This discrepancy has adversely affected my career prospects, impeding my ability to secure employment in an industry where I have accumulated over 30 years of experience. 

I urge you to help rectify this grave error promptly and restore my credit to its prior standing before this unfortunate incident. I implore for corrective action to be taken swiftly to alleviate the unjust ramifications on my credit rating, as I am striving to resolve this issue amicably without resorting to legal involvement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: MA

Complaint narrative:
In XXXX of this year, I purchased a laptop computer from XXXX XXXX and utilized your credit card service for installment payments with zero interest charges. I made timely payments for the first two installments, as evidenced by the enclosed documents dated XX/XX/XXXX and XX/XX/2023. 
However, unknowingly, these payments were directed towards my old XXXX XXXX account. 

Upon being informed of the mistake, I contacted XXXX XXXX, and their representative attempted to transfer the payments to my current account, number ending XXXX Unfortunately, due to system limitations, they were unable to process the transfer and instead issued a refund check to me for the total amount of {$110.00}, dated XX/XX/2023. Subsequently, I promptly reissued the payment to the correct account on XX/XX/2023, in the same amount. 

I was explicitly assured by XXXX XXXX representatives that this incident would not impact my credit rating due to the error being rectified. However, to my dismay, I observed my credit report drastically decline from XXXX to XXXX following the reporting of two delinquencies XXXX XXXX Upon contacting XXXX XXXX again, I was informed that they were unable to rectify the information provided to the credit reporting agencies, despite assurances of resolution within 40 days. The subsequent letter received on XX/XX/XXXX was equally disheartening, confirming the inability to amend the reported data. 

Enclosed are all necessary documents, including copies of the refund check, subsequent payment, and evidence of the initial timely payments, to support my appeal. This discrepancy has adversely affected my career prospects, impeding my ability to secure employment in an industry where I have accumulated over 30 years of experience. 

I urge you to help rectify this grave error promptly and restore my credit to its prior standing before this unfortunate incident. I implore for corrective action to be taken swiftly to alleviate the unjust ramifications on my credit rating, as I am striving to resolve this issue amicably without resorting to legal involvement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am writing to file a complaint against Upgrade Inc. with CFPB due to sudden suspension of my Premier Savings Account on XXXX XXXX XXXX. Since then, I am calling Upgrade almost every day & also emailing them to activate the account, every time same stereotype reply : We are currently reviewing the account. There is no update available at this time. The lack of explanation or resolution has caused significant inconvenience & distress. 

When we tried to transfer our funds outside the account, they suspended our account and have not provided us any reason why. We have also asked them to close our account and transfer our funds to our external account and they are also not closing our account either. 

We have seen many complaints from other people with the same issue that when they try to transfer their money outside their account, their accounts also get suspended and they keep waiting for months with no reply.

Upgrade is illegally holding our money without our consent and we want strict action and investigation taken against them as they are dealing with fraudulent practices. 

I am senior XXXX having XXXX XXXX & need money for day-to-day activities. I request immediate account Unsuspension & compensation for inconvenience and stress. I want my account closed and all my money transferred to my external account ASAP. I request the CFPB to please facilitate swift resolution to this matter. I request your assistance in resolving the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc.
State: AR

Complaint narrative:
On XX/XX/ I made what I was told by the representative on the phone at Upstart my final payment and that my payment would take 7 days to reflect on the account and that since it was made before XXXX XXXX  it would not be considered 30 days past due since my payments were due on the XXXX of each month. She told me congratulations once the payment was made because the computer told her that it was my final payment and I asked if I would get an email reflecting my final payment and that I no longer owed them anything and she said yes I should get something from them. It is now XX/XX/XXXX and they have been calling me nonstop and today they said that a technical difficulty occurred and that the payment did not go through. That technical difficulty is not my fault and my credit report should not reflect a missed payment or the over XXXX XXXX drop because of their error. I want this removed from my credit reports. All of my other bills got paid that day from the same account but that one had a " technical difficulty ''. They are saying it will take 45 days so add the 42 that they say I'm late already and that's 3 months that my credit report will look this way and continue to drop because of their " technical difficulty ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
RE : Discrepancy in Credit Report Listings XXXX ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( # XXXX ) across the three major credit bureaus - XXXX, Equifax, and XXXX XXXX My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX 's report shows an open date of XX/XX/2020, while Equifax reports the open date as XX/XX/2020 and XXXX is reporting XX/XX/2020 also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, XXXX and Equifax, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
RE : Discrepancy in Credit Report Listings XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account XXXX XXXX XXXX XXXX  across the three major credit bureaus - XXXX XXXX, and Experian XXXX My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX XXXX report shows an open date of XX/XX/2020, while XXXX reports the open date as XXXX  and Experian is reporting XXXX also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from Experian, XXXX and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. SincerelyXXXX 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 explanation
Consumer complaint received 2024-01-26 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items I need deleted will be attached in a word document, I am a victim of identity theft. I have multiple accounts I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report only show accurate information. I reported the theft of my information to the the Federal Trade Commission and have enclosed copies of the report, I would like these items removed from my credit report as soon as possible. Accounts : XXXX, XXXX. XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX. 

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Ollo credit card was bought out by Ally Credit Card. I was supposed to be able to log on and create a new profile and open the on line account. This transition was on XX/XX/XXXX. I have been trying to get customer service to resolve this issue but as of todays date they have not. I continue to get messages that my information dose not exist. The only way to see my balance is by logging into the old account ( Ollo ) and am able to at least see my balance. I have no way to check my account except by phone.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I arrived in the XXXX for a vacation trip and I needed to check my CitiBank account statement online to view how much income I had in my checking account. Prior to arriving, I was able to view my statements online on XX/XX/XXXX via Citibank APP. I received an error saying a new card was to be shipped to my address, however it worried me because I did not request a new card. On XX/XX/XXXX I called my mother in XXXX XXXX to check if the card had arrived at the house and she replied that it did not. As I was low on funds in another country, and I needed to withdraw money at a local ATM- I called Citibank customer service at XXXX. I have had my Citibank Priority account for over 15 years and this has never been an issue. The customer service representative upon checking the status of my account informed me that Citibank has arbritrarily decided to close my account and that no further details were provided. The customer representative then further informed me that it was the back off Security department 's decision to close the account as there was no longer a need for the relationship. She further commented that because the account is close, they will withold and keep my entire savings and checking account. At this point I panicked as I had over {$15000.00} saved in the account and the account was tied with my Direct Deposit for my employer. The day I had called was my salary day and I needed the money to pay for my wifes Hospital bills because she is XXXX. I asked to speak with a manager and the customer service refused, I threatened law suit and that is a recorded line and I am requesting to escalate to a manger. The representative then connected me to a supervisor who further explained that the bank decided to close the account and that nothing can be done at this point for me to withdraw my funds. I have a pregant wife who is XXXX XXXX XXXX  and this is the only source of my funds, I need assistance to get my money back which I have saved and earned to help pay and support for the medical bills. Please assist as I am in panic overseas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
On XX/XX/XXXX, {$1700.00} was paid to Kia Finance company for my XXXX XXXX XXXX. The bank charged it back on XX/XX/XXXX and it was removed from my Kia account. I spoke with the bank and rectified the problem and they cancel the dispute and said it was a good charge and would not seek out to collect the money back. Kia said they sent the money back same day on XX/XX/XXXX and said it goes back immediately however no funds have returned to my bank and the back has said they have not received anything. At this point, XX/XX/XXXX, I have yet to receive my money back from Kia and they have removed it from my account and can not provide me any information on the missing funds and are essentially stealing the {$1700.00} from me. They also are now telling me that they never received the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
It was baught by mistake. XX/XX/2024 I spoke to customer service to return the item I recieve I tried to drop it off at XXXX XXXX XXXX XXXX  But I needed a code. Customer service could not provide me one because he said I no longer have an account with XXXX due to fradulant in my transactions. He said he will be sending me a code I'm waiting nothing yet I have tried this couple times and I was told the same thing over again. I will try again.I still have the item unopened in the box unopened. XXXX still trying to take money off my bank account and I keep getting over draft that my bank keep reversing it because I do not have enaught funds. 

I started a return transaction online on XX/XX/2024 the label was not working when it was being scanned at XXXX XXXX. 

Item is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: GA

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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 emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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