vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Several times via Certified Mail to XXXX and XXXX, I requested the Deficiency Notice, which will include the following information : 1. The amount of the debt before the vehicle was resold.

2. The amount the vehicle was sold for.

3. All credits the borrower is entitled to, such as a refund of unearned interest.

4. All costs related to the repossession and sale of the vehicle.

Under Consumer Law, the Lender or third-party collection agency must provide this information to me. The third-party collection agency, Bridgecrest Credit CO , states that the vehicle was resold at auction. However, the information requested is not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: CA

Complaint narrative:
I have chosen two because there are so many. I received both of these statements on the same day. They are dated XXXX XXXX, one says my new payment will be XXXX, the other XXXX. I can not afford either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
I am writing to remove the following information from my file. The items I deleted are listed in the report. I did not do the authorization. I reported the lack of authorization of my identity to the Federal Trade Commission and I also have attached copies of the federal tray, the identity of the commission, the theft, the affidavit. Please remove these 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 explanation
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
I am writing to remove the following information from my file. The items I deleted are listed in the report. I did not do the authorization. I reported the lack of authorization of my identity to the Federal Trade Commission and I also have attached copies of the federal tray, the identity of the commission, the theft, the affidavit. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXXXXXX XXXX XXXX I opened a credit account through Synchrony Bank to complete home repairs through a general contractor. When I applied for the credit line I specified I would like to open an account for fixed APR that I can pay over time. I have been making payments on the account on time for over a year and have held numerous accounts with Synchrony Bank in which I have paid off in full. 

On my most recent statement an interest charge of {$2900.00} was applied to my account. I contacted customer service and requested to have the interest charge removed because it didn't reflect the credit offer I selected when opening the account. I was told that I signed up for a promotion term that deferred interest and would be applied if balance wasn't paid in full prior to expiration. 

I informed the individual I didn't sign up for such terms and requested documentation with my signature proving I selected such term and was told they do not have a signed document from the contractor and can't remove the charge.

I asked how its it possible that they couldn't provide or retain documentation for terms I signed up for and was told talk to the general contractor because they can not help me.

I had a similar conversation with a manager and was told the same.

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 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
A CitiBank store card was converted to a Citi visa card and issued without authorization in XXXX or XXXX to my best knowledge. The store banking and card management section of XXXX XXXX 's website directed a charge away from the default XXXX XXXX XXXX to the unauthorized card ( which I never received and never received the statements for. ) Rather than the XXXX charge being included in the XXXX XXXX card ( balance paid in full monthly ), the charge was placed on an account ending in XXXX, ( for which I still have never seen the entire account number. ) The vendor gladly reversed the charge, but Citi still pursued the balance. I disputed the charge and explained the situation to Citi, who assured that no negative credit reporting would be submitted while the charge was in dispute. Approximately 10 days later, a " Late Pay '' status was placed into my credit report. Citi swore they would remove it.

It has been several weeks since the statement balance was disputed, but still the negative hit remains on credit report. Citi still claims to be investigating, but in the meantime my perfect credit score of XXXX has been lowered to XXXX. 
I spoke with Citi several times and again on XX/XX/24 after receiving a statement showing the entire balance with fees and penalties due, on XX/XX/24 for that XXXX account. I was told that the late fees and charges had been waved and credited and that the vendor refunded the original charge. Today a Citi rep. explained that there is no balance on either accounts associated with this issue and that she is actually mailing a check for a credit shown on our first statement for this XXXX charge, ( XXXX 's statement for an account number I don't recognize. ) Today I was told that this new account ( showing the credit ) was issued when I disputed the original charge. All of the accounts associated with this issue should have been closed, but there is still a history of late pay showing 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 non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Netspend Corporation
State: CA

Complaint narrative:
My personal ID information was leaked in a major security breach from my employer several years ago. Since then, I have frozen all of my credit lines. But several " XXXX XXXX companies can apparently open accounts without either confirming ID or checking your credit. I have had to close XXXX and XXXX accounts that were opened in my name and had cards sent to me. 

The current situation is with a company called NetSpend. I received a card in the mail that I did not request and it coincided with a different XXXX card so I'm guessing that this was obtained using my information, like the other one. I have tried to cancel this card, but it pretty much impossible due to the byzantine nature of the " support '' from Netspend. I tried their online chat, both the bot and an agent, and they were unable to help me. The agent directed me to their phone number, but it is a circular phone tree that won't let me get anywhere until I activate the card by entering my SSN, which I absolutely do not want to do. Their email support also simply directed my to the phone number and the FTC fraud line. This is customer support so bad that it feels like it should be illegal.

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 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On or around XX/XX/XXXX. I was XXXX XXXX XXXX XXXX XXXX  for XXXX. I was using a rental car through XXXX. I had restarted my XXXX XXXX XXXX  after a long break after XXXX. I rented cars specifically through XXXX for more than a year, prior to XXXX, without incident. This time the weekly funds were debited from my credit card. I was unaware of the additional step to call XXXX to extend the rental as this was never done before. The car was automatically extended once the payment was made as I was a XXXX XXXX  and its typical for a XXXX XXXX to have the rental car for an extended period of time, unlike normal rental car customers for vacations and leisure activities. As a result XXXX said my car was stolen, agian not due to not receiving payment, but because I didn't simply call to extend the car. XXXX sent a tow truck driver to pick up the car, illegally and charge my credit card over {$1000.00} for recovery. I believe I was wronged on two ends. I should not of been charged this amount by XXXX and Navy Federal should not of allowed the charge to go through as it made my card over the spending limit. I have suffered greatly from this action. My credit score has dropped and I have a very hard time keeping up with these payments. I have a seperate complaint with XXXX and Navy Federal as well. The same card was charged for another rental car that I never received. This was the week of XX/XX/XXXX, during a nationwide outage of internet. Airline travel was grounded and rental cars were sold out. I disputed the charge when it came through. However Navy Federal said XXXX proved to them that I had the car and nothing could be done about it. I have suffered greatly from these two companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: OH

Complaint narrative:
XXXX XXXX Opened XX/XX/XXXX {$26000.00} XXXX XXXX Opened XX/XX/XXXX {$380.00} I dont know where these accounts are coming from these are fraudulent accounts My information may have been impacted by the XXXX XXXX TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified.
The company must also provide a notice to the consumer, and give them the option to add a statement to their file. Also, If these accounts are old, it is illegal in itself to create a new date to start the 7 years over that Ohio has which states a debt come off credit after 7 years in Ohio Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any
negative reporting during this period will be considered a violation of my rights under the FDCPA.

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law. 




Respectfully 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 non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 make 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 2024-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: MOHELA
State: NM

Complaint narrative:
I received an email from MOHELA XXXX Higher Education Loan Authority saying they would deduct an unspecified amount of money from my bank. I never applied for a loan from this MOHELA and Im scared. Im an XXXX XXXX XXXX XXXX XXXX XXXX on an XXXX reservation. Please help me! Ive never been to Missouri!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I had opened a checking account with BMO Bank. I had made a deposit of {$15000.00} the day I had opened the account. After my initial deposit cleared 5-7 days later I was informed that I needed to come down to the bank because they were closing the account due to my credit score being low at which time I was issued a cashiers check from BMO Bank in the amount of {$15000.00} ( the balance of my account. I then took the cashier 's check to BMO Bank ( since they were the bank who issued the check ) and the bank teller informed me that they did not have enough funds to cash it and that I would need to take it to another bank because they do not have enough money to cover it.. This is a serious violation and I will be getting legal assistance regarding this matter. I feel I was discriminated against because of the color of my skin.

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 2024-11-07 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: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian, XXXX, or XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-07 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-11-07 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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