vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am being discriminated against by Credit Acceptance. The  discrimination is based on several factors. 

I supplied with Credit Acceptance full acknowledgement they received payment on a timely notice, then why not correct the error. 

Upon researching, I observed these biases are predominantly present within the lower socioeconomical buyers. This is applauding as to the terms within the contract. Its as if though I am helpless against big corporations such as credit acceptance refusing to treat buyers fairly and just. 

Its noticeable within some contracts within the less fortunate population payments are often reported late when on time. Due to it being a second chance finance company it takes full advantage on this premise. 

Initially the complaint was deemed unnecessary however to date, I have never received my title for this car. As per XXXX law I am Suppose to have this title. 

My vehicle has been parked for three months due to me not receiving the title for this car because its not able to be driven. 

I advised, I needed to obtain the title for insurance and registration purposes. 

To date, I have not received the title. The Company quickly adjusted the balance and after the complaint was closed changed the amount back. 

They are practicing discrimatory practices. There is no disputable fact, they received payment for those months on time. 

The company refuses to ensure they report accurately report such payments.

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 2020-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank systematically is cheating its customers by officially offering a cash bonus in exchange for fulfilling certain conditions and after the conditions are fulfilled by the customer every effort is made not to pay the bonus, particularly and specifically claiming the promotional code " can not be found ''. US Bank twice in a row used this tactics with me, refusing to pay a bonus upon opening a checking and a saving account - even so in both cases the accounts were opened through a US Bank promotional web page with the promotional codes properly entered. 
About a year ago after opening a checking account and fulfilling my conditions ( direct deposit ) I was told the checking bonus XXXX {$300.00} XXXX would not paid because promotional code " can not be found ''. 
After exchanging a number of e-mails, additional attempts were made to claim every other condition " was not fulfilled '' - even so they all were, which I systematically proved. XXXX effort was made to avoid the payment and only after repeated complaints the bonus was paid - after delaying as much as possible - well past the deadline stated. That was a year ago. 
This year, I opened a savings account with a bonus promised XXXX {$200.00} XXXX - and after fulfilling all the obligations ( maintain the balance ) received the same answer - " no promotional code '' and the bonus would not be paid. 
This bank is taking advantage of the difficult pandemic times to avoid their obligations. Every effort has been made to avoid communication - the phones get disconnected after long wait, customer service hangs up on you, refuse to identify themselves fully ( XXXX, XXXX, no last name, no ID ), do not return calls as promised. I have spoken to a number of people who identified themselves an managers, promised to " investigate '' within 3-4 business days and never did anything, Among them XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) - both promised to " investigate '' - no response whatsoever. 
I HAVE ALL THE E-MAILS FROM A YEAR AGO AND NOW to prove they use this tactics systematically and repeatedly! 
This information should be made as public as possible so people stay away from this disgusting bank.

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 2020-05-16 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: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I had gone to a local auto garage to get a " pre-purchase '' inspection on a vehicle I had recently purchased. I looked online and the items that it stated were completed during the inspection were all the things in which I needed to continue a DTPA claim that I had against the individual that originally sold me the car. It stated on the website that it would take around 2 hours to complete. I was notified in 15 min after leaving the car that the inspection was done. None of the outer damage was on the report until I pointed it out and the car hadn't even been lifted. 

So, when I got home, I filed a claim on the transaction that was run as credit on the basis of service/merchandise was not received. I also sent an email to the mechanic 's customer complaints stating my experience and expressing my frustrations. The manager of the location that I went to emailed me back apologizing for my experience. He also confirmed that the inspection wasn't done properly. 

I have sent this email to Moneylion claims dept at least 3 times. I have been denied twice stating that Reg Z doesn't cover if I didn't receive the service/merchandise. However, I didn't do the transaction as a debit, it was done as a signature credit transaction. So if I understand correctly it has to be disputed by Visa process and falls under a different Regulation. When I pointed this out to the claims rep and ask to speak to a supervisor, I was told I would be contacted the next day. That was on XX/XX/XXXX. I have reached out many times through email and the chat line and have yet to receive an answer on the claim. The transaction amount was for {$130.00} to a City Garage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts or my name on file. Please remove them.

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 2020-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase closed my bank account without notice and is holding my money and robbing that money and will not give it back and my direct deposits is still set up to the closed account please help me get the account back open and they cut the banking relationship with me which wasnt my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: NV

Complaint narrative:
These are not my accounts or my name on file. Please remove them.

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 2020-05-16 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: NV

Complaint narrative:
These are not my accounts or my name on file. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I recently was informed that Capital one was reporting a 30 day late payment to all three credit reporting agencies. After contacting Capital One via phone, the customer service agent identified that 2 payments were credited to one of my cards and none to the other. The payment in error would have paid off the account in question. The agent informed me there was nothing they could do. 

As a customer of Capital One for nine years without a single late payment, I believe this to be an unfair business practice not to be able to correct this situation. 

My card ending in XXXX had 2 payments, and my wifes card ending in XXXX was reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: ERC
State: MS

Complaint narrative:
On XX/XX/2020, I saw that a collection account using the name of Enhanced Recovery started being reported to my XXXX  credit report. The debt is not mine and I have never received a bill or invoice from Enhanced Recovery about this debt prior to it being reported on my XXXX credit report. I disputed the account because it is not mine and XXXX  reported on XX/XX/2020, that Enhanced Recovery verified the debt and it remains on my credit file. I wrote a letter to Enhanced Recovery asking them to validate the debt on XX/XX/2020. As of today, I have not received a response from them. Yet the debt remains erroneously reported on my XXXX  Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2020, I saw that a collection account using the name of XXXX XXXX started being reported to my Experian credit report. The debt is not mine and I have never received a bill or invoice from XXXX XXXX about this debt prior to it being reported on my Experian credit report. I disputed the account because it is not mine and Experian reported on XX/XX/2020, that XXXX XXXX verified the debt and it remains on my credit file. I wrote a letter to XXXX XXXX asking them to validate the debt on XX/XX/2020. As of today, I have not received a response from them. Yet the debt remains erroneously reported on my Experian 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 non-monetary relief
Consumer complaint received 2020-05-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous XXXX XXXX tradeline on my Experian report to no avail. Even XXXX XXXX has reported to me that they requested that Experian remove the tradeline from my Experian credit report. However, Experian has failed to do so. I have sent several requests to Experian requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 7 different occasions. My rights are 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 explanation
Consumer complaint received 2020-05-16 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: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my Driving Licenses and Social Security Card for  your reference. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2020-05-16 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: DISCOVER BANK
State: MS

Complaint narrative:
On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous Discover Card tradeline on my XXXX report to no avail. Even Discover Card has reported to me that they requested that XXXX   remove the tradeline from my XXXX  credit report. However, XXXX has failed to do so. I have sent several requests to XXXX   requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 7 different occasions. My rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: CarMax, Inc.
State: MS

Complaint narrative:
On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous Carmax tradeline on my XXXX and XXXX report to no avail. Even though XXXX successfully removed the erroneous tradeline after 1 request, XXXX  and XXXX have failed to do so. I have sent several requests to XXXX and XXXX  requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: MS

Complaint narrative:
On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous XXXX tradeline on my XXXXXXXX and Transunion report to no avail. Even though XXXX  successfully removed the erroneous tradeline after 1 request, XXXX and Transunion have failed to do so. I have sent several requests to XXXX and Transunion requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are 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 explanation
Consumer complaint received 2020-05-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On 7 separate dates XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous XXXX tradeline on my Experian and XXXX report to no avail. Even though XXXX successfully removed the erroneous tradeline after 1 request, Experian and XXXX  have failed to do so. I have sent several requests to Experian and XXXX requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are 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 explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My XXXX XXXX credit card was stolen in XX/XX/2020 during shipping that is even before I have received the physical card. It was stolen and some purchases made by someone between XX/XX/2020 and XX/XX/2020. It was then identified by Credit card company and blocked the card. Then the company sent me another card and I have received on XX/XX/2020 and I haven't made any transactions then. 

All the transactions on the stolen card was adjusted by the credit card company except the following one transaction for {$13.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH This particular transaction from the stolen card appeared in my new card statement as a balance I need to pay. 

In XX/XX/2020, I have disputed the transaction first time with XXXX XXXX credit card company. 
In XX/XX/2020, I've got the response from the credit card company saying that they will adjust or remove the transaction in 7 - 10 days but it didn't go away. 
I have called them again in early XX/XX/2020 and they said that the adjustment will be reflected in the XX/XX/2020 statement but it wasn't removed from the XXXX statement as well and also they have reported the balance of {$13.00} as a late payment to credit bureau. 

In XX/XX/2020, I have disputed again, once again they have agreed to remove it from the statement but they didn't do. 
I have called them again and finally they removed the transaction in XX/XX/2020. 

It took almost more than 3 months for them to resolve the issue on their side but the negative mark of late payment is still there in credit report. 

Again I have disputed 2 more times with Experian credit bureau and 1 time XXXX  to investigate and remove the negative late payment mark from the credit report but it was failed again and closed the dispute as information is accurate. 
As of today, it is not corrected yet even after all the disputes with Credit bureaus and credit card company. 

I've been with this issue for 4 months still it is not resolved completely causing huge emotional distress and not able to sleep properly for the past one month especially I'm in middle of my mortgage process now where I see some set backs due to this credit report damage. My monthly mortgage payment is increased because of their fault. I'm really tired and frustrated with the way the credit card company and credit bureau are handling this issue. 

I have attached all the communication documents, dispute results from Experian. XXXX  documents I couldn't get but their investigation also failed and negative mark still exists.

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 2020-05-16 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: MS

Complaint narrative:
On several occasions, I have disputed the erroneous tradeline named " Exeter Finance '' that is being disputed on my Equifax Report. Even though after XXXX  and XXXX  have removed the erroneous tradeline years ago, Equifax has failed to do so. I have requested from Equifax a description of the method that they used to verify the account as mine. They have failed to provide that to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: MS

Complaint narrative:
Since XX/XX/2020, I have been back and forth with Transunion about unauthorized inquires being reported on my Transunion credit report. I have written them 4 different letters requesting that they be removed to no avail. Since XX/XX/2020, I only recall authorizing 1 inquiry into my credit and that was from XXXX XXXX Visa in XXXX. The following inquires have been disputed as unauthorized several times and remain on my Transunion credit report : XXXX DBA XXXX XX/XX/20 XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX   XX/XX/XXXX I do not recognize these inquires, the company associated with them, any firm offer of credit with them, or any account that I hold being associated with them.

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