vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I received a letter from the Department of Education on XXXX stating that the DOE is discharging my federal student loans from XXXX XXXX XXXX XXXXXXXX XXXX due to findings of school misconduct. I called Navient on XXXX and explained the findings and I told the rep my student loans should be discharged and refunded. I was then told by XXXX, the representative at Navient, that she would put a core code on my account and an application would be sent out. XXXX explained that this application would determine school misconduct and if I were eligible. While I didn't agree with the fact that I had to fill out an application to determine eligibility because based on the findings I am eligible, I agreed to receiving the application. XXXX confirmed my mailing address, then I had asked about the refund process and she said there may be information about a refund in the packet but she wasn't sure. 

On XXXX I called Navient to check the ETA of the application since I had not received anything in my mail yet. I was told by the representative, XXXX, that the code wasn't placed on my account and that the XXXX department would determine if I was eligible or not and if I were, then Navient would send the application out, which seems like another eligibility process. So essentially Navient is telling me that I need to be approved twice to get my loans discharged and refunded? I told XXXX that the woman I spoke with on XXXX, XXXX, told me she put the code on my account, so for the last week I was under the impression that it was already being sent out. I told him that I was eligible based on the findings and that these loans are predatory loans and said that Navient just needs to discharge my loans and give me a full refund. He then said that he would place the code on my account today and I said I'd check back in a few days on the XXXX. I don't trust that XXXX put the code on my account based on all my other experiences with Navient. 

These Navient private loans are predatory. The company ( back then known as Sallie Mae ) clearly had a relationship with the XXXX XXXX and contributed to/conducted unethical tactics, preying on vulnerable low income individuals such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RSVP Lending, LLC dba RSVP Loans
State: MO

Complaint narrative:
I have been trying to contact RSVP to make extra payments on my loan. This would reduce the amount of interest. When I call ( XXXX ) XXXX the number provided on the website it ask you to press XXXX. When you do the call will disconnect. I have tried this over 100 times. I have also tried the number XXXX. This also prompts you and then disconnects. I have sent several emails and have received no replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2024-05-09 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: GA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to dispute the late payment entries on my Bank of America credit card account, as reported on my credit report. The details of the account in question are as follows : Creditor : Bank of America Account XXXX : XXXX XXXX XXXX XXXX : Account Type : Revolving account Account Status : Open Monthly Payment : {$120.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} High Credit : {$3000.00} Credit Limit : {$2800.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account Type : Credit Card Account Status : Open Monthly Payment : {$120.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} High Credit : {$3000.00} XXXX XXXX : {$2800.00} Payment Status : Current, was past due 60 days Last Reported : XX/XX/XXXX XXXX : Account Type : Revolving Account Status : Open Monthly Payment : {$120.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} High Credit : {$3000.00} XXXX XXXX : {$2800.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I acknowledge that there were late payments on my Bank of America credit card account in the past. However, I want to bring to your attention that I have since caught up on all payments and have not missed any payments thereafter. 

I take my financial responsibilities seriously, and I have made significant efforts to rectify any past delinquencies. I have established a consistent payment schedule and have been diligently making payments on time to maintain a positive credit history. 

Please investigate this dispute and provide me with written documentation of the results. I appreciate your attention to this request and look forward to a prompt resolution.

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 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist allowed me to pay {$35.00} for a stop payment and told me that deposit would not go through. On XX/XX/XXXX deposit posted transaction number Reference # XXXX the amount of {$660.00}. I demanded for this payment to be made available. As there had been no proper disclosure of a XXXX  party name XXXX  who processes cash reserve for Truist. I asked Truist to show me with my wet ink signature where I authorized the cash reserve to be taken from a deposited balance that the bank refused to process. Because of this refusal to process my request. The funds were deducted to re pay cash reserve. Cash reserve should have not authorized this transaction without my explicit permission in writing as the account holder. I asked Truist to cease and desist all collection activity as a formal investigation should have taken place for failure to provide proper disclosures. I was not able to properly dispute this transaction as valid and Truist stated there was nothing they could do to temporarily make this funds an available even after stated a hardship. The deposited funds were to be stopped but Truist never rejected to transaction instead took the money and has a hold on them.

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 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my numerous efforts, I have not been able to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no choice but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-05-09 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: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Incorrect Name - 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 non-monetary relief
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-05-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-05-09 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: Regional Management Corporation
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Dear REGIONAL FINANCE, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity theft fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that REGIONAL FINANCE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for REGIONAL FINANCE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that REGIONAL FINANCE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that REGIONAL FINANCE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
Company name is XXXX opened XXXX XX/XX/2022 this account was closed and charged of as bad debt when in fact this account was inaccurate and sold to a 3rd party company for my information. I've disputed it online and through the creditors and company itself.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Company name is XXXX opened XXXX XX/XX/year> this account was closed and charged of as bad debt when in fact this account was inaccurate and sold to a 3rd party company for my information. I've disputed it online and through the creditors and company itself.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
Company name is XXXX  opened XXXX XX/XX/year> this account was closed and charged of as bad debt when in fact this account was inaccurate and sold to a 3rd party company for my information. I've disputed it online and through the creditors and company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, 2023, this credit inquiry was placed on my credit report, and have not applied for any form of auto loan from this company ( Possible 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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Sams Club/Synchrony Bank Apparently these companies are changing the " rules '' daily. I have noticed that the wording on the statement states Mail in payments ( which i never have used in the whole duration of this credit card history ) states cut off time for making payments is XXXX XXXX and all other payments at XXXXXXXX XXXX. 

XXXX ) Why are the " rules '' changing I did not agree to them when I agreed to your " terms ''. 
XXXX ) why am I provided eastern time zones when I live in a XXXX XXXX XXXX? 
XXXX ) One would think its unethical and not a proper business relationship to change terms in the middle of a contract that by design sets you up for failure to create additional revenue for them? i am not in agreeance but have no choice but accept their unethical terms or I can just simply pay the balance off? 

Review : Synchrony Bank has jumped on board with the other unethical companies to change the wording on your statement this is designed to mislead their customers so they gain additional revenue. This is unethical immoral and should be addressed. They should not be allowed to do business in this manner. I want all my late fees and bad credit markings removed and i want them fine and penalized.

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 2024-05-09 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me. XXXX - XXXX XX/XX/2022

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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