vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I called Shellpoint Servicing to inquire about NOT being able to pay extra principal or escrow monies to my account. I was told that there were fees that needed to be paid in full before I would be permitted to pay any extra monies to the pricipal or escrow. I was told that I had an bankruptcy on my account. 

I applied for a bankruptcy in XXXX, when XXXX XXXX, held my mortgage 17 years ago which was discharged!! XXXX XXXX transfered my account after my bankruptcy was discharged to XXXX. XXXX. In XXXX of XXXX, my account was transferred to Shellpoint! NEVER had any problems with XXXX XXXX or XXXX with paying extra monies with my mortgage payment or MY PAST BANKRUPTCY BEING BROUGHT UP FROM 17 YEARS AGO!! 

I have been applying for apartments because I'm XXXX  years of age and can no longer maintain my home by myself. Trying to downsize my life. I believe Shellpoint has made a statement to these apartment mangers regarding my past bankruptcy. As they did to me when I called on XX/XX/XXXX. BANKRUPTCY WAS 17 YEARS AGO ; IT'S REMOVED/DELETED OFF MY CREDIT REPORT AFTER 10 YEARS. WHY I'M I STILL BEING CONSIDERED A RISK WHEN MY CREDIT SCORE IS IN THE XXXX RANGE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: PA

Complaint narrative:
Experian, XXXX, and XXXX are in violation of multiple laws 15usc 1681 a ( d ) ( 2 ) ( I ) exclusion of a credit report. 
According to the law the term credit report does not include information solely as to transactions or experiences between the consumer and the company These companies are reporting charge offs and late payments on my report which are transactions and experiences

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX, has violated my rights accordance to statue of limitations and other. 

Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumer 's credit report for up to 7 years. To determine when an account will be removed by the CRAs ( XXXX, XXXX, and Experian and others ), add 7 years to the date of first delinquency. 

XXXX5 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Charged me XXXX  fees that shouldnt be charged. 
XXXX - XX/XX/XXXX - which was on Saturday not a business day, followed by a holiday on XX/XX/XXXX - XXXX XXXX - {$25.00} fee XXXX - XX/XX/XXXX - which was on Saturday not a business day. {$25.00} fee Total for refund : {$50.00} I require the refund for both fees that were incorrectly charged. I have always paid all my bills on time and those charges were not correct at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The scenario with this card is it was a back up card I rarely used. I opened this card in XXXX. I have never made a late payment on this card or had any negative experience with it previously. In XXXX or XXXX of XXXX there was an annual fee assessed of ~ {$30.00} and I was not made aware of this fee/bill. Apparently I was late in XXXX of XXXX, leading to XXXX of XXXX ( now 60 days late ) because of this fee. To be clear I had no balance on this card at the time and this fee was generated from Barclay 's Bank. In XXXX I discovered this error, called and paid the fee and cancelled the card so this would not happen again. I was very upset my relationship after 31 years ended on this note. What I am asking for is the removal of this 30 and 60 day late from all 3 Credit Bureaus. This unfortunate incident dropped my credit score in excess of XXXX points ) - : I have attached the account PDF with details on my payment history and account description. This has drastically affected my financial situation as it impacts my insurance costs, increases interest rates and overall risk factors. I would be very grateful for any assistance with this 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 2023-06-14 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: FL

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found XXXX, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-06-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had pristine credit my entire life. Why I can't get a perfect credit was beyond me -- until I started researching how they score. I've paid off my house and cars and owe no debt. I have just a few credit cards I use and pay off every single month. Since doing this, my credit score has gone DOWN. XXXX? This is what's wrong with our country. It encourages debt. You can bet your sweet XXXX that it'll take a heck of lot longer for my score to go back up than it did for them to hit it XXXX points because I made a large purchase on a credit card ( so I could get the points ) and immediately paid it off!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
OnXX/XX/2021 I was involved in a crash caused by XXXX XXXX Police. They Collided into my car on both sides, busted out my windows and pointed big guns at me, They said the reason for this was because they thought I was a suspect they were looking for. They didnt provide with me a case number. I didnt know until after I was supposed to be given one. Since I didnt have a case number I was stuck with the damaged car. Im only XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may makes 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 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
Consumer complaint received 2023-06-14 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: MO

Complaint narrative:
Privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may makes 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 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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
I had fraud on my account. I typically keep my card off because Chime is an unreliable bank that is for profit and doesn't care about their customers. So obvious that there was fraud and Chime did nothing to stop 10 charges that came in one after another. When disputed Chime did no investigation and denied my claim with no proof. 

I already reached out to the merchant who had refunded half of the charges. The other half they couldn't track down in their system because the accounts are searched by name. I told Chime this and it was disregarded. 

They also refuse to give me proof of their investigation. Said it takes 10 days to get it. No it doesn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: CA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer 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 2023-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2023 synchrony bank approved a wire transfer from another bank to my synchrony accounts. XX/XX/XXXX Synchrony initiated transfer of {$39000.00} to my synchrony account. XX/XX/2023 synchrony restricted access to my accounts. I called synchrony and was told for my protection the transfer was on hold for some kind of review. On XX/XX/XXXX was told by synchrony that the transfer was canceled. I call every day trying to get restriction lifted. After being told that it was canceled on XX/XX/XXXX I received notification from synchrony that the transfer of {$39000.00} is completed. I call synchrony and get lied to and told that they didn't receive the money and even got hung up on by the bank manager. XX/XX/XXXX o receive notice that the money is credited on my account and start getting daily balance notice. I call every day and just get one story after another about some review. I am about to lose everything I have because I can't pay my bills.

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 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Sirs, recently I applied for a loan to finance an rv trailer. One institution, XXXX XXXXXXXX XXXX, sent me a letter saying they denied their support based on a consumer report from Trans Union LLC. They also advised I have a right under the Fair Credit Reporting Act to get a free copy of the report. 

I called Trans Union and was put through a long automated process to collect my information. During that call they attempted four times to sell me services I did not want. After my last rejection of a paid service, the service said " sorry, we are unable to complete '' and hung up. 
I then attempted to use their online website. Their hyperlink for consumer support goes to an unsupported address. 
I then called their consumer support line. After the representative claimed they could not send the report, I advised them I have a right to receive it. They then took my information and said it would be sent within seven days. And again, the representative tried to sell me services I do not want. 

This is unacceptable and violates both consumer rights and credit rights. 

My application number to XXXX is listed as XXXX, and request was dated XX/XX/23. Their later dated XXXX XXXX lists Trans Union as providing a negative report. 
Finally, I did receive a loan from another institution, but this letter citing rejection because of TransUnion concerns me. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, 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 2023-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
One they always charge me more for my payment and when I pay it they would only take a little off my loan and say I still owed more on it and charge late fees when I paid on time and when I asked them why they have me reported as missing my payments or late payments they told me that they don't deal with that it's another department that does.

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 2023-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I made 3 monthly payment in advanced in amount {$1700.00}, on XXXX towards principle from the first year of the loan and it was not applied to the principle til towards the end of the loan. Interest was not calculated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer 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 2023-06-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hello! Im in shock that i have debt with companies that i never dealt with. Please stop posting wrong information on my credit report that really affects me and my family members. 
Account are XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recov assoc

Company response to consumer: Closed with explanation