vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
this letter was sent XXXX and delivered XX/XX/XXXX and they ignored it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ATTN : ( CEO, GENERAL MANAGER, REGISTERED AGENT, ) RE : XXXX I, XXXX XXXX XXXX XXXX a consumer who is natural and living person, holder in due course, And creditor affirms that I am familiar with the facts stated within this notice. The purpose of this letter to provide you physical written notice and directions to be enforced. 
On, XX/XX/XXXX I consummated a consumer credit contract under good faith and credit. This however, was and is not a loan. I would like to bring to your attention to the statue 16 CFR 433.1 ( i ) which iterates Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 
With that in mind and proper understanding you can review the definition of a finance charge as it is legally defined in 12 CFR 1026.4. With this is mind, I recall, XXXX XXXX verbally implying that Santander Consumer USA INC required a down payment of {$2000.00} With these laws and sequence of events, verbally and otherwise, my federally protected rights have been violated. It is mentioned in Regulation Z that you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 
You, XXXX XXXX XXXX, have 30 calendar days to return the falsely and illegally obtained down payment of {$2000.00} to me, XXXX XXXX XXXX to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Maryland XXXX. 
Upon receipt of this initial communication, I will keep note of all correspondence, or lack thereof, made by mail, telecommunications, and otherwise methods of communication. This communication requires a response within the allotted threshold. 
Regards, ( XXXX : XXXX ) U.C.C. 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: CA

Complaint narrative:
I have a police report XXXX XXXX. FOR THESE ACCOUNTS I did not open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I called on several dates such as XX/XX/2024, XX/XX/2024, XX/XX/2024 asking that the account be closed and send me the check. I followed their instructions to send in the proper form found online along with a copy of my driver 's license. They said a check was sent on the XXXX of XXXX and i would receive it in about a week and nothing was received and they have not responded to my requests to speak to a supervisor. They say my account is now closed which is what I requested but a check was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to assert my rights as a consumer regarding inaccuracies on my credit report, which I believe violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 sections 602 and 604 ( a ), as well as the Fair Credit Billing Act ( FCBA ) under 15 USC 1666B.

Per 15 USC 1681 section 602, I have the right to request the disclosure of my credit report and any information contained therein. Despite exercising this right, I have discovered inaccuracies on my credit report that are adversely impacting my creditworthiness and financial well-being.

Moreover, under 15 USC 1681 section 604 ( a ), I am entitled to accurate and complete reporting by consumer reporting agencies. However, the inaccurate information
on my credit report provided by [ Name of Creditor/Collection Agency ] has not been rectified, despite my efforts to dispute the entries. This failure to ensure the accuracy of the information being reported has resulted in unjust consequences for me as a consumer.

Furthermore, pursuant to 15 USC 1666B, I am entitled to fair and accurate billing practices. The erroneous reporting by [ Name of Creditor/Collection Agency ] has not only damaged my credit score but has also led to unwarranted financial repercussions due to the misinformation provided.

I urge the Consumer Financial Protection Bureau to initiate an investigation into this matter and take appropriate action to enforce my rights under the FCRA and FCBA. Specifically, I request that [ Name of Creditor/Collection Agency ] be compelled to correct the inaccuracies on my credit report and refrain from further violations of federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2024 I opened and checking account online with fifth third Bank I was approved for the account it then asked how would I like to fund the account so I transferred {$50.00} from an external account for the deposit later that day on XX/XX/XXXX I received an email stating that they would not be able to open my account so that same day I called fifth third Bank and told them that I had already made a deposit to that account what would happen to my money they said that the account would not be opened so the money would not come out of my external bank account this was a lie later on still XX/XX/2024 about XXXX XXXX XXXX XXXX I noticed {$50.00} was missing from my external bank account and went to the fifth third Bank account so I called them that day and requested to get my money back because they said I could not open the account they then told me that I would have to go to a branch to close the account the nearest branch for me is XXXX miles I was told they would send me a check then I was told that they could not send me a check I then spoke with someone else on XX/XX/2024 and was told that if I did not show up to validate the account that it would be closed. Today in the mail I received a bank statement from fifth third Bank with my account number on it showing the {$50.00} deposit thanking me for being a loyal customer I contacted them today which is XX/XX/2024 and was told that the account will be closed I then asked what will happen to my {$50.00} deposit and they explained to me that they would keep it unless I went to a branch like I stated previously the branch is XXXX miles away The account was put on hold due to checking for fraud or some information like that I have made repeated attempts to call this bank speak with supervisors and was just told they will be keeping my money I have proof through emails I have my bank statement sitting right here in front of me that shows the {$50.00} in there when it was taken out and they refused to give me my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX {$5400.00} XXXX XXXX - XXXX {$6400.00} XXXX XXXX - XXXX {$4000.00} XXXX XXXX - XXXX {$6900.00} XXXX XXXX - XXXX {$4100.00} XXXX XXXX XXXX - XXXX {$6900.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX - XXXX {$5700.00} XXXX XXXX - XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I spoke with XXXX Customer Service which was the 3rd agent I have spoken with today in regards to ordering a card and having the erroneous late fees removed. 

Both XXXX and the other agent who transferred the call to XXXX advised that Synchrony has a process of submitting " a missing statement dispute '' which can take up to 60 days to determine why statements are not being received. 

This is a perfect example of the crazy hoops that Synchrony puts customers through to ensure they do not reach timely resolutions. XXXX and the other other agents couldn't see current payments in their system, they couldn't see if a card was ordered by a previous agent. Lastly, XXXX couldn't identify who transferred the call to her as in the department. She was actually asking me to tell her what was done on the account. 

Although I wanted to pay the balance in full, XXXX could not help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry appearing on my credit report. Upon reviewing my credit report, I discovered that there is a late payment recorded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: CT

Complaint narrative:
The mortgage company kept on spelling my name incorrect in witch i could not get the paper work notarized during this time they just gave me the run around until i file for mediation at the court. then they had me redo the modification for the 3rd time just to move my interest rate from XXXX  % to XXXX % now my payment is not affordable. my payment went from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited 2 pay checks thru the mobile app and I have not been able to access funds. I deposited the checks XXXX and the beginning of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize following hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: Alorica Inc.
State: DC

Complaint narrative:
I took out a {$5000.00} loan with the company called XXXX XXXX XXXX XXXX until they decided to give my account over to another company called SST. I had no knowledge of this company making any soft inquiries on my credit account, and because this company made this inquiry, it looked as if it was a new account that I opened, so my credit score plummeted from XXXX to XXXX : - (. I do not think this is fair because I made an agreement with XXXX XXXX, not SST!! why in the world was my credit affected in this way, credit that I have worked VERY HARD to maintain???!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
his serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: VW Credit
State: FL

Complaint narrative:
These companies refuse to be in compliance with the Dod Frank Act regarding opt out of reporting personal non public information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: CURO Intermediate Holdings
State: FL

Complaint narrative:
company 's refused to be in compliance with the Dod frank law - regarding the right to opt out of reporting personal no public information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
I've notice fraudulent and inaccurate information on my credit reports. 
please see my attachment for more details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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:
I've notice fraudulent and inaccurate information on my credit reports. 
please see my attachment for more details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest has failed to Furnish evidence that their reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion on privacy, Pursuant to 16 CFR 444.4 an Unfair act of practice Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late payments. Statements are hearsay in the court of law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 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 non-monetary relief