vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I purchased a car in XXXX. I was told one amount that it would be " out the door '' and when Santander finished with us, we were actually paying for the car twice. We paid on the contract for 4 years.It was financed for 72 months. My husband had to file bankruptcy and I called and was told I could voluntarily surrender the vehicle due to us not being able to pay almost XXXX dollars a month. The company came to our home and got it. They sold it and sent a couple of settlement letters. They said they only sold it for XXXX ( a very nice top of the line XXXX. They said we still owed about XXXX on the car even after paying on it for 4 years. Eventually Santander charged the loan off. XXXX XXXX came along in XXXX demanding that we pay the XXXX. I got a local lawyer. She told us not to worry about it. Well, last month, XXXX XXXX, I got a call on a Friday to be in court on the following Monday. XXXX and XXXX XXXX was there to represent XXXX XXXX. My lawyer from XXXX was ALSO there. She was no help at all. She actually sold us out to XXXX and XXXX. She wouldn't even let us talk with the judge. I had paperwork and articles to show the judge, but she wouldn't allow our voices to be heard. Instead, She negotiated with the representative and told us to sign the paper or the representative from XXXX and XXXX would garnish our wages. We signed a paper saying we would pay back XXXX a month starting on XXXX He documented on the letter that they would accept a little over XXXX for the XXXX they were asking for. WE told them why are they making us pay so much when we had received a settlement letter from Santander years ago for XXXX on one occasion and then they went down to XXXX. Once they heard that the lawyer asked me " Are you able to pay the XXXX today. We told her we weren't prepared for that. They asked why didn't we take the settlement years ago and we told her that When it came, we did not have the extra money. We are currently swarmped with bills and to have one more bill is awful. WE have proof that Santander was in a lawsuit in XXXX and paid money back to consumers in GA who were victims of Predatory car lending. The ironic thing is that now it's years later, and the car we have now is financed with Santander and we got GREAT interest rates! We are not asking for money from them, we just want this dismissed and to prove that we did in fact pay a substantial amount of money to Santander but now a 3rd party who has AWFUL ratings and reviews are trying to retrieve money from us that we don't have. Please help us

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-24 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: IL

Complaint narrative:
I need your assistance regarding the incorrect account listed on my credit report. This issue has harmed my reputation, and I require your support. The mishandling of my credit report has put me in a difficult position, as the misleading information has damaged my reputation. Its essential that you eliminate this incorrect information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Equifax is willfully non complying to the FCRA. Equifax is reporting debt that has been canceled. 
I have proof of the 1099c attached. 
XXXX XXXX submitted 2 1099c for account XXXX and XXXX to the IRS on XX/XX/XXXX and supplied a copy to me. Equifax is committing willful negligence by reporting a debt that no longer exists. According to the IRS a 1099c is a notice to the IRS that the financial institution has forgiven or canceled a debt of {$600.00} or more.

Once a debt has been written off and a 1099c has been issued, the debt can't be collected.

Errors on your credit report must be corrected by the credit reporting agencies according to the Fair Credit Reporting Act.

I have supplied Equifax with a copy of the 1099C and any other relevant information with a request to correct my credit report. Inaccurate, incomplete or unverifiable information must be removed or corrected. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-24 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: IL

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
Around XX/XX/year>, I submitted a pre-approved personal loan application to BHG Financial via a custom offer on XXXX XXXX. 

By XX/XX/XXXX, a Finance Manager from BHG sent an email with the subject " Your BHG Loan Approval '' and a message stating " XXXX XXXX with BHG. Great news, we got you approved! Is there a time today or tomorrow that we can schedule to discuss everything? Please let me know when will work best for you and congratulations. '' The entire thread of this correspondence is attached. 

I spoke with XXXX and, by XX/XX/XXXX, I had submitted all the necessary information ( via unsecured email ), agreed to the loan terms, and signed the contract. Everything was supposedly set. 

Then later that day, I received a very sloppy email ( also attached ) from a " Funding Coordinator '', XXXX XXXX, who had the professionalism of an inexperienced intern, asking for additional information including 3 months bank statements and another photo ID verification, confirmation of my address, and another email address. 

I questioned why I needed to submit all this additional information when I'd already sent my financial details, verified my ID, and my approved loan contract was already signed. I received very dubious reasoning in response ( see email ) with demands that my loan won't be funded unless I complied. 

So I sent the requested information, again via unsecured email, and confirmed the questions they asked. I only refused the additional " ID verification '' because it actually required me to download a dodgy app to my phone and take photos of the inside of my home that was very creepy/stalkery ( and it wasn't simply another ID verification as stated ). They also pressed again for additional email addresses to contact me and added the requirement to now submit personal bank statements of my husband ( who had nothing to do with this loan ). 

Ultimately I refused providing anything else. I felt very uncomfortable providing so much personal information via unsecured email and especially the requirement of taking photos of my home and sending my husband 's bank statements ( again, he was not named on the loan ). 

I asked multiple times why my loan had already been approved with contracts signed, but then I was required to submit so much more information for it to be " actually '' approved. I never got a clear answer. 

At this point I had lost all faith in the security of this institution and told them to cancel my loan and delete all my personal records ( who knows if they did ). 

I've never had such an unprofessional experience and don't believe they're adhering to banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: CA

Complaint narrative:
I see items on my credit report that I dont recognize, and I suspect my identity may have been stolen since I didnt authorize these accounts. Ive raised this issue before and now urgently request their removal from my report. These accounts dont reflect my true credit history and are causing me significant stress. If we cant resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are major obstacles in achieving my financial goals, like buying a house and supporting my family. I hope we can address this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

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 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On numerous occasions, I have expressed to TransUnion of their violations of XXXX. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice of Each Violation.

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 2024-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Was not notified of any issues with my account or that it would be closing.

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 2024-09-24 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: IL

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I pulled my credit report and realized that I somehow did not get any notifications about affirm that my payments each month were not going through. fast forward I tried to pay affirm directly but they said it went to a collections management company XXXX XXXX I paid XXXX XXXX after they sent me a settlement offer since the account was around two years of age. I waited a few months and to see if it would update with payment less than full balance settled account. However now they are saying they do not manage my accound any more and to reach out to affirm again. I tried to contact affirm and they tell me each time that XXXX XXXX  still has my account. They ( trueaccord ) are misrepresenting what they offer and lied to me to pay on the account. My credit is now showing I have a past due balance of XXXX when it should be settled less than for like they agreed to and sent me a link to pay the balance for an offer they can not even help me with. Honestly XXXX XXXX and affirm together should both be investigated! Affirm for not getting a better way for you to get ahold of them, and XXXX XXXX for not sticking to their word and processing the information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had signed up for the paperless settings when i joined and have made it clear I want all communications via email. The company refused to communicate via email or their own portal for vital communications such as disputes. Even for the recent issue, i received no valid communications per my preferences as they keep mailing things with no digital notice even, though my strong preference is all communications to be digital. None of the mail they have supposedly sent me was received and should be considered invalid as there is not record of it being received. They should send everything via email or portal ( digital/paperless ) per my preferences. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: IN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief