vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ReliaMax Holding Company
State: OH

Complaint narrative:
On XXXX XXXX2024 I applied and accepted a pay day /installment loan for the amount of {$470.00}. Ive since made XXXX payments XXXX the agreed installment amount of XXXX ( XX/XX/year>24 ) and todays ( XX/XX/year>24 ) pay off amount I borrowed ( {$350.00} )! I spoke with them after seeing I owed more than in original borrowed, and questioned how is that is there is NO penalty for early repayment! The representative just kept repeating that its not a penalty!!! I hung up and before I did I informed them that I will report them to Attorney General and you guys!! I tried to download on my phone the contract ( wont download for some off reason )! but, I included several screen shots! The first payment was applied to the balance ( {$2.00} ) XXXX dollars ( please pardon my language ) and the rest went to the exorbitant Principle/interests! All I want is to repay these clowns what they lent me and be on my way! Thank you!

Company response to consumer: Untimely response
Consumer complaint received 2024-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: TX

Complaint narrative:
There are unauthorized inquiries 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 2024-08-09 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: MI

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-08-09 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: HOVG, LLC
State: GA

Complaint narrative:
I'm writing to discuss my significant worry regarding the challenged records recorded on my credit report. I have as of late drawn these slip-ups out from the shadows and have at least a couple of times referenced a comprehensive assessment. Regardless, no matter what my consistent undertakings, I actually really can't get any objective or therapeutic action. 

These mixed up records are genuinely impacting my credit report and are basically demolishing my ability to have a normal presence. The antagonistic result of these slip-ups has caused colossal challenges for me, and I'm left with no choice aside from to search for your close by assist with rectifying what's going on. 

I empathetically request that you lead a comprehensive assessment concerning the specifying of all of these challenged records. It is essential that the crucial advances are taken to revive and change my credit report right away. With your help, I want to restore the accuracy and uprightness of my credit record, allowing me to recuperate control over my money related success. 

I genuinely request that you offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue quickly would be colossally important. 

Much gratitude to you early on for your appreciation and 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 explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint against USAA regarding a chargeback dispute ( XXXX XXXX. XXXX ) that I initiated on XX/XX/2024, for services not provided by the merchant, XXXX XXXX XXXX XXXX. The original transaction date was XX/XX/2024, and the invitation date was XX/XX/2024. 

USAA initially credited my account with the {$5000.00} in dispute. However, this amount was subsequently debited from my account without any explanation or communication from USAA. Despite multiple checks in the USAA app and several calls to customer service, I received no satisfactory updates or information regarding the status of my dispute. 

According to XXXX guidelines and the Fair Credit Billing Act ( FCBA ), a merchant typically has 30 days to respond to a chargeback. Since XXXX XXXX XXXX XXXX  did not respond within this timeframe, the dispute should have been resolved in my favor. The FCBA ( 15 U.S.C. 1666 ) requires credit issuers to resolve disputes within XXXX billing cycles ( not more than 90 days ) and to side with the consumer if the merchant fails to respond timely. Additionally, under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, consumers have the right to be kept informed about the status of their disputes. USAAs failure to provide updates and its unexplained reversal of the provisional credit violate my rights under these federal statutes. 

Given the merchants lack of response and USAAs failure to provide adequate updates or explanations, I believe that the chargeback should be resolved in my favor immediately. I request the CFPBs intervention to ensure that my rights are upheld under both the FCBA and the EFTA. 

Thank you for your attention to 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 2024-08-09 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: VA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-09 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: FL

Complaint narrative:
This Collection is already paid. XXXX XXXX XXXX number XXXX. 
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below.

Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in the top of this letter. Please note that I have opted out in writing to your forced arbitration terms and a willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA.

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 2024-08-09 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: GA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I received a letter from this company called Eastern Account back in XXXX of XXXX  and I responded back with a letter asking that under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ). As of today Eastern Account System has yet to validate this request or send me out anything that shows proof that this alleged account is actually mines. I have sent out numerous dispute letters asking them for this information to show me something displaying my signature, a proof of purchase and have not received anything but a bill from them, which not proof that I owe this debt and it is mines. 
I have also request from all three credit bureaus the same information and sent out the same letters and they alway reply back with a updated report stating that it has been verified but yet so show proof of how it has been verified as accurate. 
On XX/XX/year> I also filed and Identity theft report and mailed a copy to the Eastern account system and all three credit reports and they have yet to remove this item from my report or to acknowledge the fact I have filed this report assuring them this is not my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: COMMERCE BANK
State: MO

Complaint narrative:
I applied on line for a XXXX interest card with about {$300.00} in new customer rewards if send {$1000.00} in 90 days of opening, heard nothing and sent email in XXXX, in XXXX was told some system error and card would be sent, and instead of card applied for was sent XXXX  card which has interest and only {$150.00} rewards. When I then went o the local branch and officer there called and sent emails to find out what was going on, she could get no where, I used it and had the {$1000.00} by the end of XXXX, and got the run around, actually at XXXX point told the 90 days ran from XXXX, called and was told would get call back, never happened, sent emails to same address had written me on, no reply, and when told going to submit a complaint told would not be able to help me. It seems a form of fraud and if not that incompetency, the 90 days runs from when open the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-09 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-08-09 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: GA

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: OH

Complaint narrative:
I got XXXX XXXX XXXX ( like XXXX ) back in XX/XX/XXXX, their service sucked and I wanted to cancel maybe a year or months later. It kept messing up, so when I call to cancel they told me I couldnt cancel until a certain date, and would have to pay to settle {$820.00}. So I waited until that date and paid XXXX on XX/XX/XXXX and then made another payment on XX/XX/XXXX of {$410.00}. I remember back then they were giving me a hard time about cancelling.so I paid it, it was a settlement payment and I thought it was over. Now this Zions debt holding is saying I owe them XXXX, and they have put that on my credit report. The man I talk to was very nasty and rude, and told me if I dont have a letter or something from the company that I still owe them XXXX years later I dont have or cant find, or dont remember them sending me anything, so now this company is saying I owe them. I do have bank statements where I paid the settlements amount, and I found a paper that I wrote on back in XXXX saying I paid it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX XXXX, I received a call from XXXX from someone asking to speak to another individual that I was unfamiliar with. I asked what it was about and they only told me it was about a " personal business matter. '' When I asked if this was a debt collection attempt, they simply kept repeating the phrase " personal business matter ''. They eventually told me they were calling on behalf of XXXX XXXX which an internet search led me to believe they are a debt collection agency. 

I told them that I had received several calls from the same company coming from different numbers in recent weeks ( this is a new company-issued phone ), and each time I was told I would be placed on the do not call list. This clearly has not happened. When I asked to speak with a supervisor, I was simply told that there was none available. Eventually, I was passed around and was able to speak to a " team lead '' who assured me that the calls would stop. I told him this was a violation of the Fair Dept Collection Practices Act, and he told me they'd remove my number. I've been told this at least half a dozen times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not the owner of these inquiries, and I am not connected to any of the creditors identified. I need this to be removed on my credit report immediately. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
On XX/XX/XXXX I was charged {$330.00} at a XXXX On XX/XX/XXXX I was charged {$2000.00} at a XXXX XXXX 

On this date if XX/XX/XXXX my phone and debit card were stolen. I filed a police report with XXXX police dept. XXXX XXXX contacted me and an investigation was implemented. Upon investigation a woman was seen on surveillance buying things. 
I have filed multiple disputes with Goldman Sachs on this case. It keeps getting dismissed for lack of evidence. I filed a XXXX page police report to them. 
Case number of the disputes are as follows XXXX XXXX XXXX XXXX XXXX I have made many phone calls to no avail. 
I have paid over {$2000.00} in interest charges and still owe {$1800.00} that I will not be paying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one card has not updated my credit balance to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Under the laws of UCC 9.506 as well as the state XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure times were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordanceYou are required to provide me with copies of the legal notice and proof of the commercially reasonable manner of the notification and the resale of the subject vehicle. If no such proof is provided within XXXX  days from receipt of this certified notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

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 2024-08-09 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: UT

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation