vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TX

Complaint narrative:
Thank you for providing the validation documents for the debt associated with PLAZA SERVICES Account Number XXXX. 

While I review the documents, I want to make it clear that I dispute the legitimacy of this debt with your company. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors must notify debtors before selling their accounts to collection agencies. Since I did not receive such notification, the validity of this debt being transferred to you is uncertain. 

Furthermore, the fact that I was not informed about the sale of the debt raises concerns about the accuracy of the information on my credit report. Therefore, I demand that you remove the record associated with this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please note that even if the debt itself is valid, you are obligated to remove inaccurate information from my credit report if you can not validate the transfer according to the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I called Citi in XX/XX/2023 for a retention offer for my Citi premier card. I was told over the phone I would get a {$95.00} statement credit and XXXX Citi points if I spent {$1000.00} on my Citi card within 3 months. I spent {$1000.00} within 1 month. Citi still hasn't given me the statement credit or the points, they are claiming I only spent about {$300.00} which is completely not true if they just used a calculator and added up my charges. It is ironic that a bank can't even do math.

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 2024-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-04 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: FL

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
I checked my credit report and I can still see the inaccurate account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

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 2024-04-04 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: OH

Complaint narrative:
I recently check my credit score and found accounts that I have never signed up for. these accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX  XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I did not know about using my car as collateral until all the paperwork was signed. The guy never mentioned it on the phone either so I was in complete shock.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
Honda Financial Services makes a practice of subtracting interest from extra principal payments despite this notice on their statement : " When making early loan payments or payments greater than your 'Regular Payment Amount, ' your principal is reduced and a credit shows toward your next month 's payment. By continuing to make payments in excess of your 'Regular Payment Amount, ' you effectively reduce your final payment or shorten the term of your loan. '' This notice is also on the statement : " Excess Principal Payments : Making payments in excess of the Regular Payment Amount will have the effect of reducing your final payment or shortening the term of your loan. Payments in excess of the Regular Payment Amount will reduce principal and show as a credit to your next months payment. '' Their loan agreement also states : " Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. You may prepay. You may prepay all or part of the unpaid part of the Amount Financed at any time without penalty. If you do so, you must pay the earned and unpaid part of the Finance Charge and all other amounts due up to the date of your payment. '' When I called Customer Service to address the issue, I was told they get calls every day about this ... but do not change their behavior or literature. The representative said extra payments must be sent to another, undisclosed address to be credited properly. She offered to retroactively credit interest assessments going back 6 months but no further... costing me {$50.00} in needless interest. I've asked for my case to be escalated and intend to ask that my payments outside their arbitrary period be credited properly. 

Honda Financial Services knowingly continues to take advantage of their customers every day with this dishonest practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I requested a statement for funds verification which they neglected to provide in a timely manner resulting in delays - I had to speak to 5 people to get it ultimately delayed - I then submit a withdrawal wire transfer from my savings to my title company for closing - citi returned the transaction with no explanation- I had to call and be transferred to 16 different numbers and people without any answers I then spent over an hour with someone who supposedly fixed the account and I resubmit the transfer which the representative confirmed was successful - that same night all my citi accounts were locked and when calling the following day there was no one giving me any sort of answer regarding my transfer or why I couldn't access my account - when I have never had any issues logging into my account in several years. They will not release my funds- this is now the second delay in closing for my mortgage with the other lender caused by CITI this is a gross mishandling of my funds and the customer service is the absolute worst - so many numbers so many departments so many incompetent people who keep sending me elsewhere without resolving the issue. This is going to give me a XXXX XXXX this is unhealthy to my XXXX XXXX trying to get answers and being intentionally passed around into robotic dead ends. I WANT MY MONEY!

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i attempted to open a checking account with wells fargo today for everyday checking and clear checking both were denied for no reason. ive banked with wells in XXXX of 2023 and at that time as well they closed my account for no reason and still havent received my {$300.00} i was entitled too after completing the requirements

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 2024-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Bought a new XXXX truck, got a free 30 day package of XXXX, upon speaking with an XXXX rep i was told my card wouldn't be charged during their sales pitch, and it was. There's an instant XXXX charge for signing up for additional coverage. They lied and likely have been for a long time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a non-existing account to the credit reporting agencies. I do not owe this collection agency ; I have never signed a contract with this collection agency. The collection agency is trying to collect a debt that is over 7 years and 180 days. The collection agency is fraudulently trying to collect on a debt that does not exist or belong to me. The collection agency has not supplied the first delinquency date to prove the age of the debt, nor have they provided any of the requested validation of debt information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TomoCredit Inc.
State: PA

Complaint narrative:
I signed up for Tomoboost and requested to Cancel my membership. After several emails requesting my account be closed they did not Close my account or provide me with information about closing my Account and proceeded to take money out of my account to renew the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Sir/Madam, I am reaching out to express deep concern about a significant error that XXXXXXXX XXXX has reported on my credit report. This error pertains to a 30-day late payment from XX/XX/XXXX, which is not due to any oversight on my part, but rather a XXXXXXXX XXXX Error . Reference number pertaining to the error was provided ( # XXXX ) to XXXXXXXX XXXX however I feel an investigation was not even done. The email was sent XX/XX/XXXX in the evening while XXXX XXXX was closed, and I received a denial XX/XX/XXXX XXXX. I do not feel this was sufficient time for XXXXXXXX XXXX to honestly review my issue pertaining to the XXXX XXXX  reference number provided. I feel that I received a generic denial response to my dispute. This error is causing substantial disruption as it is preventing the approval of my necessary SBA loan. I plan to use this loan to open a primary care provider office, and this unwarranted negative mark on my credit report is causing considerable delays in this process. Despite previous attempt to correct this issue with XXXX XXXX  the problem remains unresolved. Given the urgency of the situation and the potential impact on my business plans, I am compelled to ask for your assistance. According to the guidelines provided by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), I am officially disputing this inaccurate information. I kindly request its immediate correction or removal from my credit report. I am confident that you will handle this matter with the urgency it warrants and I look forward to a swift resolution. Sincerely, 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Sir/Madam, I am reaching out to express deep concern about a significant error that XXXX XXXX  has reported on my credit report. This error pertains to a 30-day late payment from XX/XX/XXXX, which is not due to any oversight on my part, but rather a XXXXXXXX XXXX Error . Reference number pertaining to the error was provided ( # XXXX ) to XXXXXXXX XXXX however I feel an investigation was not even done. The email was sent XX/XX/XXXX in the evening while XXXX XXXX  was closed, and I received a denial XX/XX/XXXX XXXX. I do not feel this was sufficient time for XXXXXXXX XXXX to honestly review my issue pertaining to the XXXX XXXX  reference number provided. I feel that I received a generic denial response to my dispute. This error is causing substantial disruption as it is preventing the approval of my necessary SBA loan. I plan to use this loan to open a primary care provider office, and this unwarranted negative mark on my credit report is causing considerable delays in this process. Despite previous attempt to correct this issue with XXXXXXXX XXXX, the problem remains unresolved. Given the urgency of the situation and the potential impact on my business plans, I am compelled to ask for your assistance. According to the guidelines provided by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), I am officially disputing this inaccurate information. I kindly request its immediate correction or removal from my credit report. I am confident that you will handle this matter with the urgency it warrants and I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Sir/Madam, I am reaching out to express deep concern about a significant error that XXXXXXXX XXXX has reported on my credit report. This error pertains to a 30-day late payment from XX/XX/XXXX, which is not due to any oversight on my part, but rather a XXXXXXXX XXXX Error . Reference number pertaining to the error was provided ( # XXXX ) to XXXXXXXX XXXX however I feel an investigation was not even done. The email was sent XX/XX/XXXX in the evening while XXXX XXXX  was closed, and I received a denial XX/XX/XXXX XXXX. I do not feel this was sufficient time for XXXXXXXX XXXX to honestly review my issue pertaining to the XXXX XXXX  reference number provided. I feel that I received a generic denial response to my dispute. This error is causing substantial disruption as it is preventing the approval of my necessary SBA loan. I plan to use this loan to open a primary care provider office, and this unwarranted negative mark on my credit report is causing considerable delays in this process. Despite previous attempt to correct this issue with XXXXXXXX XXXX  the problem remains unresolved. Given the urgency of the situation and the potential impact on my business plans, I am compelled to ask for your assistance. According to the guidelines provided by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), I am officially disputing this inaccurate information. I kindly request its immediate correction or removal from my credit report. I am confident that you will handle this matter with the urgency it warrants and I look forward to a swift resolution. Sincerely, 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 2024-04-04 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-04 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief