vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: FL

Complaint narrative:
I submitted to my employer, direct deposit information provided to me by XXXX by Payfare Inc. As a XXXX  I expected ease of access while on the go, working two jobs and being homeless so that I may afford necessities such as housing. My employer sent my XXXX deposit to XXXX by Payfare Inc on Wednesday XX/XX/2023 in the amount of {$400.00} to be deposited into account XXXX routing number XXXX. I confirmed with my employer on Friday XX/XX/2023 that the deposit was accepted by XXXX by Payfare and has not been returned to them for me to receive a paper check. Several representatives assured me my deposit would reach me by Monday, XX/XX/2023. When it had not arrived, I reached back out to my employer to see if it was returned for any reason and they confirmed it was not. I then reached out to XXXX by Payfare support around XXXX EST to find out what happened. I was hung up on and blindly transferred by several employees. I reached XXXX or XXXX who identified himself as a 2 year veteran employee with XXXX by Payfare who explicitly stated the do not accept direct deposits from outside entities or financial institutions, which is the opposite of the information provided on the Direct Deposit form provided by the company, as well as the XXXX Cardholder Agreement. He insisted that the form they provide is strictly for alternative forms of payment in case Dashers are missing XXXX deposits. He stated he would transfer me to a Payfare supervisor that was familiar with my situation and would assist with resolving my issue where he then proceeded to provide me a false callback number for Payfare of XXXX that does not ring, it simply drops the call. He placed me on hold for over an hour and I still have no knowledge of where my funds are. I received an ACH direct deposit from XXXX XXXX on XX/XX/2023 in the amount of {$5.00} with the same information provided to my employer that paid me {$400.00} and it was received correctly. The XXXX XXXX states an ACH direct deposit should be paid to users within 2-3 business days, which has been exhausted, up to 5 business days if there is a reasonable delay communicated by XXXX. I have no idea if and when I will receive my funds which has caused me to lose my job with my primary employer, losses for my vehicle as well as housing expenses that Ive needed to rearrange for due to not receiving my funds. I have also had to borrow several hundreds of dollars from loved ones to help pay expenses that were supposed to be covered by that deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Several years ago I was sent an Amazon charge card. I put it away and never used it. I thought it might have been something Amazon did when you became a " XXXX member ''. I began receiving bills on an account I had no idea what it was for. I tried numerous times unsuccessfully about what merchandise had been charged. The bills all seemed to be generally " amazon market place ''. I filed a complaint with Synchrony bank and explained I had tried to get in touch with a " person '' for months and was not able. This of course was during the Covid pandemic and I had a lot of family living with me. 
I signed an affadavit from Synchrony saying that I had never requested the card and had never used the card, It was a card I NEVER would have applied for at 29.9 %!!! I'm not crazy. I'm XXXX yrs old and have had excellent credit up until this started. As a result of my credit score being lowered to a point that made me uneligible to get a mortgage when I sold my home. This forced me to liquidate my life savings to be able to buy a house outright. 
Since this time I have closed the first account but Synchrony has repeatedly sent me a new account number and continue to send bills with a now over the limit balance and penalties on top of that. The current balance on my 4th account is {$2800.00}. This has exhausted my patience and made my life problematic to say the lease!!

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 2023-06-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hard inquiry notifications on my credit report. 
on XXXX, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4. 
1 was JPMCB- XXXX XXXX was XXXX XXXX with no contact company information. 
1 was XXXX XXXX XXXX XXXX was XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Since XX/XX/ I have been trying to access my Equifax report. Ive been using the online login for years. I logged in one day and it said I was deceased. I called and they kept giving me a hard time. I asked to speak to a supervisor and they leave me on hold for hours. They play this game like I cant hear you have to call back. Then my report changed from deceased to unable to access due to a technical error with a code to give to their agent. I call and no one is helping the situation. I verified my identity twice through a link that an agent sent to my phone. Ive been having this issue ever since I was apart of the Equifax data breach settlement. Like this is retaliation. They have turned my life upside down. I cant get my identity verified and my report unlock to have Landlords, and other places access to it. Im on the verge of eviction because they cant verify me. As I type this message Im still on hold with Equifax. They are making my life so hard. Im on the verge of homelessness all because of their data preach. They are the ones whove put my personal information at risk and now no one, not even myself, can get access to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : 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. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-06-05 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: AZ

Complaint narrative:
Experian has refused to provide proper documentation to verify the information on file. 
They have also refused to provide how the information was verified. 
They refused to conduct the investigation within the 15 day timeline. 

Experian needs to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been removed from XXXXXXXX XXXX  and XXXX it should not be in my credit report at all it should be deleted since they claim they use this 3rd party service XXXX XXXX XXXX and XXXX XXXX  has a bad address. This is not my account it should be deleted

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 2023-06-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Theres numerous FCRA and Consumer Financial Protection Act violations against me as a US citizen and Im addressing you to amend and correct the information on my credit file. If you refuse to provide proof of the method of your verification on the listed accounts below with a WET signature to acknowledge my physical presents and ownership to the account. 

Im demanding you remove it immediately within 30 days per the FCRA and if do not adhere to the State and Federal laws for my consumer protection Ill be inclined to file a lawsuit in IAW to FCRA per my { Attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX } Please remove the below inaccurate and erroneous accounts from my credit file : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Erroneous/Inaccurate Account : XXXXXXXX XXXX  - Date Opened : XX/XX/XXXX XXXX : XXXX Erroneous/Inaccurate Account : XXXX XXXX - Date Opened : XX/XX/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 2023-06-05 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: AL

Complaint narrative:
Been disputing for the longest as well calling the agencies without getting anything resolved

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 2023-06-05 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: AL

Complaint narrative:
Been disputing for the longest as well calling the agencies without getting anything resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: PA

Complaint narrative:
On XX/XX/XXXX, I saw that my credit score dropped XXXX points on Credit Karma and the reason for the drop was this : the XXXX account balance between XX/XX/XXXX and XX/XX/XXXX dropped a total of {$1100.00} from {$6300.00} to {$5100.00}. 
I didnt know that my score would drop drastically for paying a credit card down. I am also getting a red flag for not having my auto loan paid down, I am halfway through and havent missed a payment as well as my mortgage payment which I just purchased a home and made my first payment on time. Why is that going against me?

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 2023-06-05 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: CT

Complaint narrative:
It shows someone tried to open a new account with XXXX XXXX my name in XXXX  of this year and wont give me any more 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 2023-06-05 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: CT

Complaint narrative:
It shows someone tried to open a new account with XXXX XXXX my name in XXXX of this year and wont give me any more information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: CT

Complaint narrative:
It shows someone tried to open a new account with XXXX XXXX my name in XXXX of this year and wont give me any more 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 2023-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: NM

Complaint narrative:
My husband and I purchased a XXXX Manufactured home at the end of XXXX. It was financed by the only company that would finance a home before it was built. The interest was high at 6 % and payments were really not what we expected. {$1500.00} a month. We were thinking just to get through until we could do a refinance with someone else. They already had {$35000.00} down, ask for another {$10000.00}. We had an exhaustive full year of not being accepted for refinance. We hung on as long as we could. This was during Covid. Prices were incredibly high. We did not foresee this. XXXX was 1st to attempt the refi, then XXXX, then XXXX. All shot down for various reasons. Would go into detail later if need to. We borrowed money from a sister to see us to end of XXXX. Had to finally file XXXX XXXX bankruptcy with XXXX XXXX office. My husband was not doing well. Impact was too much. My husband died XX/XX/XXXX. 21st mortgage had been sending letters, 8, of them. 4 certified. they are non-monetary notices of default. their intent is to foreclose unless I sign an reaffirmation agreement with them. 21st gave me 3 choices. Pay the full amount, walk away vacate the property or sign the reaffirmation. I had been advised not to by my bankruptcy attorney. My husband had even ask 21st about loan modification or assistance and they were matter of fact rude and said nothing was available for us. I am at a complete loss. I do not want to leave this home. I would like to stay and find a solution acceptable that will not jeopardize me in the future. I want to pay my mortgage, just need to extend the years? lower the payments? decrease the interest/ something. Please help me. Thank you!! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: VStar Financial, LLC
State: FL

Complaint narrative:
I am writing to bring to your attention a serious violation of my consumer rights by V STAR FINANCIAL , LLC. I have recently discovered that V STAR FINANCIAL , LLC have reported a late payment on the above account number to the consumer report without my consent. This has had a negative impact on my credit score and has caused me great inconvenience. This is a clear violation of several laws that protect my privacy and financial information, including 15 USC 6802, 15 USC 6802A, 15 USC 6801, 15 USC 1681 and Privacy Act. Under these laws, financial institutions are required to obtain explicit consent from their customers before sharing any personal or financial information with third parties, such as credit reporting agencies. By reporting a late payment on my consumer report without my consent, your institution has violated my right to privacy and control over my personal information. Furthermore, I have reason to believe that V STAR FINANCIAL , LLC has also violated my privacy rights by reporting my personal information to third-party credit reporting agencies such as XXXX, XXXX, and XXXX without my explicit consent. As a customer of V STAR FINANCIAL , LLC, I have the right to be notified of any negative information that is being reported to credit reporting agencies. I also have the right to control the dissemination of my personal information and to ensure that it is only shared with authorized parties.

I demand that V STAR FINANCIAL , LLC rectify this issue immediately by removing the alleged late payment from my consumer report within 5 days upon receipt of this notice and providing me with a written explanation of the steps you have taken to address this issue. I urge you to take immediate action to rectify this issue and ensure that your institution follows all applicable laws and regulations. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation