vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Credit Acceptance, has violated my rights under XXXX USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have tried to handle this matter with my Credit Acceptance account # XXXX  for over XXXX  months. Credit Acceptance refuses to follow any rules and regulations. 15 USC 1681C ( a ) ( 5 ) states " A financial institution may not disclose non public personal information to a nonaffiliated third party ... ''

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 2023-12-28 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: MO

Complaint narrative:
Experian emailed me this and there is a XXXX number they provided that says FOR A FASTER CALL THIS NUMBER well call that number and you get a customer service rep that can't speak XXXX and all they want is your social security number and then they tell you there is nothing they can do because they don't have access to fix anything SO IF THEY CANT FIX ANYTHING WHY DO THEY NEED YOUR SOCIAL SECURITY NUMBER. FRAUD FRAUD SCAM SCAM

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 2023-12-29 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: FL

Complaint narrative:
I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 
Inaccurate Address : XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXXXXXX, FL XXXX ; Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/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 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I purchased a new XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX. I traded in my old XXXX with a value amount of XXXX they estimated with pictures through email. Then brought trade in value down even more more to XXXX while in person. I did have a loan still to pay off with old jeep of XXXX and I put down XXXX with a check. When the workers were talking with Ally Bank they coming up with a payment amount. I was shocked that the monthly payment was so high of XXXX, but I really needed a reliable vehicle for me and my XXXX children due to the old jeep had a lot of recalls. This would be my first time purchasing an actual new vehicle to where I always bought used vehicles. So, I had no idea what to expect. My children and I were at the dealership for a very long time. I think it was XXXX hours total. So, I saw that the interest rate was at 19 %, but didn't know what was good or bad for interest rates on a new vehicle. I even told the XXXX that the monthly amount was way to big and I was only looking to pay XXXX at the most. But like I said I needed a reliable vehicle. The amount financed was at XXXX, but with the interest rate and such jumped up to XXXX! How is anyone supposed to pay this off? Well, I received a letter dated XX/XX/XXXX. Letter was from Ally Bank, XXXX, MN saying they had to adjust the interest to 18.00 % with total sale price of XXXX, XXXX payments of {$720.00}. I just thought about this for some time and was think this interest is not adding up to me at all. I asked an attorney about this and they said this is illegal to change the rate and amounts and nothing to sign or spoken to first then the state of Minnesota with new vehicles the Max percentage that banks can charge is 8 %. When this bank ran my credit score it was fair and have always been on time with my old loan with the old jeep. The dealership 's XXXX wasn't going to let me take the new vehicle that day even when I signed everything. But the XXXX said I could take the new jeep so I ended up taking it home. I knew there was something wrong going on here. The dealership also had already sold my old jeep within XXXX weeks.

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 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Transunion failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 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 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 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 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I received a gift card at XXXX for {$500.00}. Whenever I try to use it it errors out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Identity theft XXXX XXXX. I phoned credit bureau an got no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX  I sent XXXX dollars total to a sender on zelle from XXXX who stated they would send XXXX XXXX tickets. Ended up that they were not who they stated they were and never sent tickets. I have contacted zelle, XXXX XXXX, and XXXX and they have not been able to reverse the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: HI

Complaint narrative:
I have been in multiple disputes for several months with Equifax over the hard inquiry Dated XXXX XXXX  From XXXX XXXX, listed on my personal credit report. I have repeatedly requested copies of any authorizations from me, to aquire personal credit from the listed credit provider.. I keep recieving by Email and US mail canned responce letters telling me that they have investigated my complaints and closed the disputes without removing the Hard inquiry in question. Under the requirments of the FCRA I have detailed my requests to make it clear what information I am entitled to receive, the credit reporting agency has not fullfilled my request. There fore I am requesting the immediate removal of this Hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Mohela misapplied my XX/XX/XXXX  payment and issued me a past due notice in error. 

I have 12 federal student loans. For my XX/XX/XXXX  payment, it did not apply the fully monthly payment to one of my loans, instead applying it to 3 other loans. 

On XX/XX/XXXX, I called and wrote Mohela about this discrepancy. I asked them to apply the correct monthly payments to each of my loans as I had authorized when I enrolled in auto debit. While they fixed the problem with this loan in question, Mohela then XXXX  out my payments for eight other loans and applied it to just three loans for my XXXX payment. It now shows that I am past due despite having paid my monthly payment in full. 

I called again on XX/XX/XXXX, the Mohela representative I spoke with told me they were going to fix the problem on their end but gave me no estimate of how long it would take. To fix the problem going forward, Mohela had me cancel my auto debit and told me to re-enroll in order to benefit from the .25 % in interest savings. As of XX/XX/XXXX, it still shows that I am past due with incorrect amounts owed for next invoice due on XX/XX/XXXX. 

I am specifically asking the Department of Education to put me on administrative forbearance so that I am not penalized for their errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NC

Complaint narrative:
Equifax failed at their grave responsibility to protect my right to my privacy by allowing a corporation to utilize my credit report without MY written expressed consent AND without an initial investigation of the report knowing it would affect my credit worthiness and credit standing and in the long run HARM my reputation. XXXX XXXX is reporting an alleged debt on my credit report which has Medical information on it ; privacy concern. The falsified information regarding who the original creditor is wrong as well stating XXXX XXXX XXXX. Equifax, XXXX XXXX, or XXXX XXXX XXXX NEVER had MY WRITTEN and EXPRESSED consent to furnish anything on my report without my knowledge. There is an alleged debt that has also not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
Starting XX/XX/2023, I received several emails welcoming me to Chime, requiring action to activate features, notification of a Chime Visa Debit Card, asking me to activate my card, etc. ( which I did not see right away because of the holidays ) for a new account I never set up or authorized. Then overnight I received 2 emails from Chime saying I successfully sent 2 people I've never heard of money using Chime 's feature, Pay Anyone, one in the amount of {$1900.00}. 

I called Chime 's fraud department and they immediately closed the account, but I want to know why I would receive a money transfer email from Chime when the fraudulent account was never linked with any bank accounts, etc. I also want to know what information was used to set up the fraudulent account and why Chime 's security is so substandard and inadequate in a world now where everything requires double authentication. If this fraudulent account was never activated or linked, how were the scammers able to send me {$1.00}, then have me pay them back {$1.00} before the 3rd transaction ( supposedly ) of {$1900.00} and where in theory did that transfer of funds come from? 

If Chime is going to be in the Financial Technology space, they need to significantly improve their security and be able to track where these transactions originate and answer these simple questions noted above. I need to know as I now need to monitor for other potential identify theft issues if the scammer has significant personal information which could allow them to open other accounts, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Chime Financial Inc
State: GA

Complaint narrative:
I had a roommate move in and send me first month rent via chime app and note I do not have a chime account. terms in chime terms says no account no prob. you will get a notification to direct funds to a external account if you did not have a chime account. and was waiting for the notification never got it.. finally after some time on the phone we find that there is a account linked to my phone number so how with chime and the money is in this account in someone else name I have no idea about my phone is a government issue phone number and should not be linked to this any account except XXXX XXXX XXXXXXXX XXXX.. chime refuse to talk to me because I don't own an account and elevated it to fraudulent activity I assume since I don't own account I am the one that would be viewed as fraudulent I in no way have any interest in this a d I just want my money i havea impeccable criminal record and only minor traffic situations this is something they should not even question sence they can clearly see in tgeir system any help wolith this would be appreciated ty

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Hello, I was asked by Nelnet to recertify income to continue my eligibility for the SAVE IDR. Ive done so on studentaid.gov. They are now asking for additional information like a paystub to show recent proof of income. I recertified on the government website because they asked me to. Now that doesnt seem to be good enough and they want other information besides my AGI . Should they be requesting that information? I was reading online where other people submitted such information to them and they used that to increase the monthly payment amount greatly instead of using the payment plan generated by a borrowers most recent AGI. That was never requested when Great Lakes was my servicer. The recertification process was also seamless by giving studentaid.gov access to my most recent W2 on the IRS website. This time around it was buggy and said my servicer would choose my repayment amount. Based on my experience and the experiences of what other users shared online, this seems very unorthodox. Has the government process changed? If not, I want to make sure someone has reported Nelnets behavior. This change in practice has the potential to make the repayment process even harder on borrowers. If the government only requires AGI to calculate SAVE payments, the government appointed servicer shouldnt be requesting anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/, my Coinbase account was hacked. To the best of my knowledge, I was not phished or scammed, the attackers were simply able to gain access to my account. My account was secured by XXXX XXXX, and had all my personal information linked to it ( cell phone number, address, bank account number ). Though my accounts activity log, I found there were almost one hundred login-attempts on my account, originating from a XXXX  IP address. After gaining access to my account, the hackers sold all of my holdings, added their own bank account to my Coinbase account, and sent all of my money to their added bank account. I only realized something was wrong after Coinbase locked my account - implying Coinbase knew something was wrong, but acted too slowly to stop the money from leaving my account. The total amount that left my account was about {$12000.00}. Upon contacting Coinbase support, they claimed no liability, on the grounds that my credentials were compromised. Even if that were true, they offered no explanation as to how the attackers were able to bypass my XXXX from a foreign IP address and add a new bank account without locking my account before the money was moved, or flagging the security obvious concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: CITIBANK, N.A.
State: NH

Complaint narrative:
I opened a credit card through Best Buy to purchase a new TV. The rep in the XXXX, NH store noted that the credit card would provide for 10 % back on the first order. I asked " how I would received that XXXX %? '' and further ninquired whetehr it would be in the form of vis card or statement credit. The rep told me a statement credit woul dbe issued. I said well that sounds great as my current card would on ly offer XXXX  % back and this is a large purchase. As a result I set up the card at the register and purchased the TV. This was on XX/XX/12. I rec 'd the TV via home delivery on the XXXX and it has been fine since. Today XXXX rec 'd some emails indicatting I have best buy rewards to use on future purchases. I chatted through the Best Buy app and rep informed me thats the 10 % from first purchase to use for future transations. I explained this is not what I was told or disclosed. Had I been told this is how the rewards program work I would not have set up the card. I escalation to a manager who did nothing and noted they were sorry but had zero capability to solve the issue. I explained this violates credit offering standard but they couldn't do anything. Following this I contacted the card financing department who also informed me that they have no way of offering statement credit so their hands are tied as well and my only solutions would be to file complaint through this consumer protection channel.

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 2023-12-27 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: FL

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. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXXXXXX 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 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. 

The credit bureau used my information the wrong way, i contacted the companies with no response.

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