vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Deceptive Payment Plan Practices by Synchrony Bank I was sold XXXX products by Synchrony and in both cases given a promotional rate and a minimum monthly payment. In the first product sold to me in XXXX, the agreement that I signed included a minimum monthly payment and the date of the end of the promotional rate. The date of the promotional rate coincided with the end of payment of the principal if I made the monthly payments on time. The agreement stated that if there was a balance after the cutoff date for the promotional rate, I would be charged interest on the entire principal rather than just the unpaid principal. While I was concerned that this was wrong, I signed the agreement knowing that I could cover the monthly payments and that would ensure that there is no balance on the ending date of the promotional rate. 
A few months later, I purchased the second loan product from Synchrony Bank. At the outset, the agreement looked very similar to that of the first product. A minimum monthly payment and the date of the end of the promotional rate was provided. I signed the agreement assuming that if the minimum monthly payment was made in time, the balance would be XXXX on the date of the end of promotional rate. However, the minimum monthly payment was much less than that required to complete paying off the principal by the date of the end of the promotional rate. 
On XX/XX/XXXX, which is the end of the promotional rate for the second product, Synchrony Bank charged me {$4900.00}. This amount includes the interest on the principal that I already paid. 
This practice is deceptive in my opinion because : XXXX. I should have been clearly informed that the minimum monthly payment in the second product was not sufficient to pay off the entire balance in the period of the promotion unlike the first product ; XXXX. Changing how much the minimum monthly payments cover the principal from XXXX product to another is a tactic to catch customers who may not read the entire fineprint ; XXXX. The interest should be payable only on the balance, and not on principal already paid because that reeks of gambling with the customer.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I pulled my consumer report and noticed erroneous amounts of errors, starting with the " Hard/Soft inquiries. 

Unauthorized Hard Inquiries on my consumer Report are as followed : Inquiries Referenced : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Inquiry XXXX : XX/XX/XXXX Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. I did not authorize these XXXX inquiries. These XXXX inquiries are fraudulent. These inquiries have been placed on my consumer report inaccurately and fraudulently Furthermore, I request that all inquiries are deleted immediately. 

Experian must provide how they verified these inquiries belongs to me. 
XXXX ) How did you verify these inquiries? 
XXXX ) Provide an original contract/agreement with my wet signature authorizing these inquiries. 

Pursuant to XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy Please provide the requested documentation to me at the address listed above within 30 days of receipt of this letter. If you are unable to provide proof to validate these inquiries, I request that it be removed from my credit report immediately. Thank you for your attention to this urgent matter.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: LA

Complaint narrative:
This letter serves as a second formal complaint that inaccurate and incomplete information is being reported on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately notation date and balance whether reported or not. 


The XXXX  days past due payments that are being reported are for months that I was granted an extension arrangement which according to Westlakes policy : An extension arrangement is available to customers experiencing temporary, financial hardship to defer XXXX or more installment payments to the end of the contract term. 

When a payment is deferred to the end of the contract, the scheduled contract maturity date, or final payment date, will be extended by each installment that was deferred and may result in the assessment of additional interest. 

How can I be XXXX  days past due if I made a payment arrangement with Westlake within my due dates and before my grace period ended. Westlake never reported any past due payment until after my auto loan was paid in full.

I started applying for extensions because of billing errors on Westlakes end. I was being charged for payments that was already paid. They never admitted to this, but I have since received checks from Westlake for the overpayments.

I respectfully request to be provided proof that these payments were in fact late. By the provision of the consumer laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL ( Paid as Agreed. Never Late ) and supply a corrected credit profile to any creditor who have requested my credit report in the last XXXX months. 

I have attached copies of my transaction history printed from my online account with Westlake and my payment history that was emailed to me from Westlake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
I have my student loans through EdFinancial. I have had this exact issue I am now describing in the Fall of last year. I have made payments to my student loans, but they have not been posted to my account, and EdFinancial still accrues interest on my loans, even though I've paid them in full. I've dealt with this issue, as I've mentioned, and they only fixed my reflected balance after days of contacting them and proving I made the payment. This is illegal and unbelievable. My checking account was debited on XX/XX/2024, for {$3500.00}, which was my full account balance. My balance should be at {$0.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
How am I late on payments after a car was repo? 
The vehicle was repo and defaulting on payment at this point .The reporting of late payments after a repo occurring is an error leaving the deficiency balance.The vehicle was repo and defaulting on payment is in accurate. Reporting late payments is a factual error. The account was identified as a repo but you still report late payments.Since the vehicle is no longer in my possession it will be impossible for me to default on a payment .I have the right to an accurate credit file and discrepancies like this is unacceptable so please immediately remove this account and its entirely from my credit file.A monthly payment should not exist after a repo.XXXX  XXXX account number 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 2024-03-06 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: LA

Complaint narrative:
How am I late on payments after a car was repo? 
The vehicle was repo and defaulting on payment at this point .The reporting of late payments after a repo occurring is an error leaving the deficiency balance.The vehicle was repo and defaulting on payment is in accurate. Reporting late payments is a factual error. The account was identified as a repo but you still report late payments.Since the vehicle is no longer in my possession it will be impossible for me to default on a payment .I have the right to an accurate credit file and discrepancies like this is unacceptable so please immediately remove this account and its entirely from my credit file.A monthly payment should not exist after a repoXXXX XXXXXXXX account number 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 2024-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
XXXX has CACI  trying to collect a debt of more than {$500.00}. I have a negative entry on my credit report for more than {$500.00} and XXXX is saying they sent this to collections and charged me in error. I returned their equipment and cancelled the bulk of the television services and my account is still active. I called XXXX and was told they did this in error, they verified they have their equipment and attempted to bill me for serices in error. The problem is, the negative entry they put on my credit report severly lowered my XXXX XXXX causing me to be denied a loan. My daughter XXXX is authorized on the account and because I was at work I asked her to contact them for me. The conversation is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX  XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX  XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX under 15 U.S. Code S 1692e - False or misleading representations and should 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 2024-03-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should 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 explanation
Consumer complaint received 2024-03-06 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
In XXXX, I checked my credit report. It was not in there on XXXX. I got a not saying something hit my credit. I reached out to the company to get information because I never heard of it. Verify my information they told me some information didnt match so they couldnt give me any more information and somebody will reach out to me higher up. Ive called once a week and seems like Im just getting the run. The bill is {$2200.00} from snap and the company that took over his DRC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
After reviewing my credit reports, I spotted some inaccurate late payment accounts that needs reporting and correction through your company.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: MD

Complaint narrative:
XXXX XXXX has run my credit multiple times without my knowledge on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX discover has access my credit without my knowledge on XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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 recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am a member of XXXX, and evidently my identity has been stolen, I keep getting notices that someone is trying to open up an account either a checking account or a credit card in my name and they have all my pertinent 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 explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I took auto loan from XXXX. I am paying monthly and double the XXXX. They asked to provide proof of insurance I provided. Then they asked to provide proof that they are lien holders in my insurance, I failed to provide due to being busy in personal works. They imposed a charge of XXXX $ on my loan account, I contacted them they said if I provide lien holder proof they will remove the charge. I made them lien holders and submitted proof to the asked email. 

They are not removing charges I called them multiple times they are saying they did not receive it. I have all the proofs that I sent them this 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 monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a call from a suspicious person whom claimed that I had scammed someone. I foolishly believed it and proceeded to have a conversation with him that gave him access to my information. His screen name is brianofficialsupport. He scammed me out of {$1800.00} dollars cause I had conversations with him. In the end, it was a huge scam that I fell victim to. Resulting in me losing my money without any hope of getting it back or refunded. I appreciate any help you can provide to me in the effort of getting my money back for college.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: PA

Complaint narrative:
Went on my credit report and seen a unauthorized account on my report I Didnt make or authorize then closed my account a week later to mess up my credit

Company response to consumer: Closed with explanation