vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
My Visa Debit Card was used in a city I was not even in at the time. I sent WSFS Copies of my airline ticket which showed the date I left and they have declined reimbursement of disputed transactions. I left XXXX XXXX on XX/XX/2022 there were 27 charges that posted to my Visa Debit Card on XX/XX/2022 the young lady XXXX asked me why I did not know the transactions were done is because the WSFS Bank had blocked me from the website! I received a letter from WSFS this morning with a letter stating that any dispute was denied! I called and asked for copies of the receipts and customer service said they would send me copies but they did not know what they would look like???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Had been struggling to pay for the auto loan for some time now and just recently have been able to get caught up. I had been making payments in smaller increments bi weekly as I could. Most of these payments were being applied towards the principle and interest. I made a larger payment in XXXX for {$1900.00} expecting it to do the same but a large portion was taken for late fees that should have been allocated to the previous payments I made not during this last payment. I spoke to a rep about this who said there is nothing she can do and was unwilling to work with me on the fees. The fees are totaling over {$500.00} which I believe to be excessive & in no way helps me catch up. During the hardship I was in contact with the bank explaining why I was behind, which was a result of Medical bills that have now been resolved then I had 2 deaths in the family resulting from XXXX that set me back at the start of the pandemic when I was trying to get all caught up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 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: OH

Complaint narrative:
15 u.s.c 1681 602 A states I have the right to privacy.

15 u.s.c 1681 604 A states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

In accordance with the fair credit reporting act the following accounts being on my credit report has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: OH

Complaint narrative:
15 u.s.c 1681 602 A states I have the right to privacy.

15 u.s.c 1681 604 A states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

In accordance with the fair credit reporting act the following accounts being on my credit report has violated my rights. 

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

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 2022-10-04 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: MA

Complaint narrative:
My dispute with Experian was submitted on XX/XX/XXXX and I received two separate emails from Experian on XX/XX/XXXX. Initially, there was one received at XXXX XXXX, followed by the second at XXXX XXXX. The first contains disputed results, while the second contains information titled, " Important information. '' ( copies attached below ) After logging into my Experian account, I noticed that all information regarding XXXX XXXX had been removed and XXXX XXXX had been added. It would be helpful if this account could be removed. 

Despite the fact that the address had also been removed, Experian removed all information from XXXX XXXX. 

The same day, XX/XX/XXXX, Experian sent me an email with Report Number XXXX indicating that the reinvestigation of the dispute you recently submitted has been completed. However, the results indicated that : Your dispute results are not currently available online. 

This is yet another instance of Experian violating my rights in order to save its own skin by violating someone else 's rights. Their report deletes the XXXX information, and reenters it with false information in the " Status, '' but does not include the account under dispute. 
To inquire about how they " verified '' this account without providing any proof, bearing my signature on this alleged debt, I would like Experian to send me details regarding how they verified this account.

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 2022-10-04 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Good day, I have reached out to all the companies I will be listing within this submitted complaint. I have tried on multiple occasions to have these companies remove all the inquiries that I did not authorize. 

1. Synchrony Financial - XX/XX/2021 2. XXXX XXXX XXXX - XX/XX/2021 3. XXXX XXXX XXXX - XX/XX/2021 4. XXXX XXXX XXXX - XX/XX/2021 5. XXXX XXXX XXXX - XX/XX/2021 6. XXXX XXXX XXXX - XX/XX/2021 7. XXXX XXXX XXXX XXXX XX/XX/2021 8. XXXX XXXX XXXX - XX/XX/2021 9. Syncb/Care Credit - 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 2022-10-04 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: DC

Complaint narrative:
I recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition, I did not give Eqiufax permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquirieson my Experian credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiriesthat I did not authorized and have been payed off. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
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 2022-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: MS

Complaint narrative:
I contacted H & R ACCOUNTS INC ( original creditor : XXXX XXXX XXXX XXXX ) at the address of XXXX XXXX XXXX XXXX, IL XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$640.00} that is being reported on my credit reports ) and to show proof that this company owns the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: DE

Complaint narrative:
ALL XXXX AND XXXX XXXX ACCOUNTS ARE FRUAD AND NEED TO BE DELETED IMMEDIATELY THANK YOU FOR YOU HELP ACCOUNTS : XXXX XXXX XXXX ACCOUNTS : ALL 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 2022-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CA

Complaint narrative:
I requested a student loan refund for a payment made after XX/XX/2020 in order to qualify for loan forgiveness, however ED Financial is being unclear in the timeline for processing the refund and not providing any confirmation for the request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
I first contacted First Investors on XX/XX/22 and provided the following message : We are contacting you regarding the above mentioned loan and an error that occurred with our XXXX loan payment. The payment was returned in error by our bank, XXXX, and therefore caused our payment to be reported as 30 days late to the credit reporting agencies. We've obtained an official letter from our bank acknowledging this error. Please see the attached. We are requesting that based upon this acknowledgement, that you retract the notification to the credit reporting agencies that our payment was 30 days late. 

I received the following message back from First Investors on XX/XX/22 : Subject : XXXX : Regarding Loan XXXX Dear XXXX and XXXX XXXX : Thank you for contacting us about your account. At First Investors, it is our objective to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) when we furnish information about a consumer to a consumer reporting agency. Therefore, our commitment is to research all actual disputes submitted to us to ensure that we are reporting accurate information to the consumer reporting agencies. 



After receiving your dispute, we have reviewed your account information to verify the accuracy of the information on your credit file. As a result of our investigation, we submitted an update to the consumer reporting agencies to which we report to update your account as current with no delinquencies. Please allow up to 3 business days to view the updated information on your credit file. Please see attached response letter for your records. 



If you have any questions regarding this issue, please contact us at XXXX. 



Thank you, Credit Bureau Update XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Celebrating 33 Years in Business My credit report was updated after the letter was provided, however, the credit companies went back to reporting the late XXXX payment. I've submitted disputes, but First Investigators continues to inform the credit companies that the XXXX payment was late.

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 2022-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a false debt collection on my credit report which i have no idea about. I would like it to be removed. I do not have debts to pay.

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 2022-10-04 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: TX

Complaint narrative:
I recently requested the credit bureaus to do a debt validation of a few item for accuracy. they completed the investigation and stated the information was correct. i decided to do a thorough research myself and found improper inaccuracies on my report after their investigation. XXXX and XXXX also found the same inaccuracies and removed the items as required under the fcra. In accordance with the FCRA, the following creditors have violated my rights under 15 USC B 1681 sec 603 15 U.S.C C 1681 SEC 602. States i have the right to privacy 15 U.S.C C 1681 SEC 602. States a consumer reporting agency can not furnish an account without written instruction XXXX # XXXX XXXX # XXXX XXXXXXXX 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 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I noticed a collection account on my credit report for a fitness membership I never had nor have ever been to. I have received no notice about the attempt to collect this debt either written or otherwise. I ask that the company cross reference the name/SSN and/or provide required written correspondence to my at XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: MA

Complaint narrative:
XX/XX/XXXX, call from Discover Card to remind me to fill out and file a form they allegedly sent me in XXXX to verify my identity. I never got the email so they sent it again. They claim it was a random identity check, but the form requested authorization to look at my last two years ' tax returns. They also asked for my social security number, both of which I declined to do. I smelled fraud. I told them so. They said it was a random check. I said, you dont need my tax returns to verify my identity, and you dont ask for SS numbers on an unsecured phone line. They then asked alternate questions and finally agreed I was who I said I was. But they wouldnt reopen the account. 

Today I was declined a purchase even though there was adequate credit. I called the number on my card and got the same story. Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We received the Bank of America credit card in XX/XX/2022 with 0 % interest. I was supposed to be charged 0 % interest rates for 21 months. I was never told by the bank that they were going to be charging any interest rates prior to 21 months. However, the bank imposed an interest rate that was not agreed upon or discussed with me. I took out the card because I was promised a 0 % interest rate for 21 months. I would like the interest rate to go back to 0 % and Bank of America to refund me for the extra fees paid to Bank of America from XXXX until current ( XXXX ). I would like Bank of America to be held accountable for a classic bait and switch.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Two hard pulls on my credit were taken by " XXXX XXXX '' and " XXXX XXXX '' unknowingly. I am not knowledgeable of this accounts and there are credit freezes on all 3 of my reports. Tried to dispute through Transunion, the website does not work at any capacity. I also discovered the creditors phone number which is Transunion. No help whatsoever. Dozens of others are struggling with this.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my name is XXXX XXXX, today is XX/XX/2022 and i'm filing this complaint against the unfair practices at EXPERIAN INFORMATION INC without any help or assistance ... ... ... ... ... ..... 
in pursuit to FCRA 15 U.S.Code 1681i ( B ) ( i ) 15 USC 1681i ( B ) ( i ) -Information cant be reinserted without the information being reported 100 % complete and accurate. 
AFFIDAVIT Notice, it is a fact, affiant is aware, this information was previously deleted as shown in EXHIBIT ( A ). However I see this information associated with XXXX  ACCOUNT # XXXX has been reinserted on my consumer report yet again, and it is reporting both incompletely and inaccurately. This is a violation of 15 U.S. Code 1681i ( B ) ( i ) and XXXX ACCOUNT # XXXX must be removed.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I notice a company called Upgrade has been reporting on my credit report which is causing me a great amount of stress and has lowered my credit score tremendously. I did contact them send proof such as police report, ID and FTC report letting them know that these accounts are due to identity theft. I have not agreement with them or sign no contract with them to take out any loan. They emailed me the documents I requested and the date that is on there is XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC
State: ME

Complaint narrative:
My XXXX credit report shows Selene Finance with adverse information. In XXXX I was working with XXXX XXXX XXXX to modify my home loan via Court Ordered Mediation here in XXXX  XXXX Court. While in mediation, Selene Finance purchased my loan from XXXX. In mediation, all payments and foreclosure proceedings have a court ordered STAY until the modification is complete. Selene knew they had purchased a loan in modification. Nonetheless, marked my loan as 120 days overdue in XXXX of XXXX. The modification was completed in XXXX of XXXX and I was never late with Selene. To be eligible for the modification I had to make three on time payments commencing XX/XX/XXXX. This was successful. Selene had no right to report my loan 120 days overdue to any credit bureau. Twice now I have written letters to both Selene and XXXX and mailed certified mail with return receipt. I just received a ruling from XXXX that Selene again reported the 120 day overdue. This is a major hit to my credit and an unfair practice.

Company response to consumer: Closed with explanation