vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
On XX/XX/2023 financed a XXXX XXXX XXXX with Credit Acceptance Corporation ( CAC ). The XXXX XXXX XXXX was purchased from Impressive auto sales in XXXX, PA. 

Spoke to salesman XXXX on XXXX asked price of car and was advised it cost {$8900.00}. 

XXXX asked me if I liked the car and to submit loan application on impressive auto sales website. 

Later in the day XXXX informed me that I am approved for the loan. 

XXXX asked me how much down payment I am able to put down. 

Advised XXXX I can put {$1500.00} down payment and would be in the next day to test drive car. 

On XX/XX/2023 test drove XXXX XXXX and agreed to move forward. 

I asked XXXX again how much the car cost and he said it cost {$10000.00} because I am financing the car. 

I informed XXXX that the car is advertised for {$8900.00} and when I spoke to him on the phone and informed him I would be financing car, the price did not change. 

XXXX then said my monthly payments are {$280.00} for 66 months. 

I asked XXXX what the out the door price is and he would not tell me. 

I informed XXXX my XXXX score is XXXX and I dont know how he got to the monthly payment amount. 

XXXX refused to show me any documentation only to mention that in order to do the deal I have to get a warranty that is included in the loan for {$1600.00}. 

I needed a car to get back and forth because there is no public transportation to take me to work and back home. 

I really feel taken advantage off and ripped off. 

I paid the {$1500.00} down payment with the warranty included, which I did not want. 

The total amount financed is XXXX and monthly payment of {$280.00}. 

I called CAC on XXXX and canceled the auto warranty issued by XXXX XXXX. 

CAC deducted {$1600.00} of my loan and left an unpaid balance of {$10000.00} with monthly payment of {$280.00}. 

If is not fair the I still have the same monthly payment of {$280.00} when CAC deducted {$1600.00} when I cancel the contract. 


Moreover, I deserve a lower finance rate because my XXXX score was XXXX. 

Its amazing that CAC never provided my XXXX score to me before loan was issued. 

With loan balance of {$10000.00} on XXXX my monthly payment would be {$240.00} for 66 months with interest rate of 18.99 %. 

How it is now pay on balance of XXXX on XXXX, my monthly payments are still {$280.00} for 66 months with interest rate of 25.68 % which is illegal in Pennsylvania.

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 2023-11-11 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
XX/XX/XXXX I experienced identity theft as my vehicle was broken into and my purse and other personal possessions were stolen. It wasnt until XX/XX/XXXX that I had been notified that my bank account with XXXX XXXX  XXXX had been frozen due to fraud. When the incident happened I closed all credit cards and requested existing bank accounts to issue new cards that I had. XXXX XXXX  XXXX has listed my account as Fraud and when provided with all the documentation they stated that I could not go through them I had to go through ChexSystems to have the fraud removed. Because of the XXXX charge. This has been an ongoing battle as my identity has been compromised and now an entire year later of fighting this matter Im still unable to get a bank account. If it wasnt for having one already for my business I would be stuck. I have tried fighting this with ChexSystems and each time they indicate that XXXX XXXX XXXXXXXX is keeping the status. This is not only unfair but I have never been in a position to where any of my accounts have been flagged as potential fraud. I need help this has been a huge issue for me due to this matter not being handled. The credit Breuers have worked with me they placed all my credit reports on extended fraud, my credit card companies were able to freeze any transactions, however this one particular bank has made it extremely difficult to get anywhere with this. I even went as far as saying I would pay for a charge that was not mine so that I could have this information removed they would even declined that. Please can someone look into this matter as this is going on farther than it should and I just need the right information or person to help me along with this process. Thank you

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 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/23 at XXXXXXXX XXXX I bought a car part online. XXXX plus XXXX  set XXXX At XX/XX/23 at XXXX I got a text from synchrony saying they declined my purchase for suspicious activity. Asked if it was correct and I responded with Yes. 

At XX/XX/23 at XXXX I got a text from synchrony saying since they declined my transaction and if it was legit go ahead and repurchase the item. 

At XX/XX/23 at XXXX I repurchased the item. 

On XX/XX/23 I received my item twice. 2 orders of the same item. 

I waited for almost a week to see what synchrony was going to do about this since they said the declined my first purchase. 
They charged me twice. They never cancelled the first order as their text message stated plus the next day they reduced my credit line even though I have a perfect payment history. 

I called them and they said I should return the extra orders and they would refund me the difference back to my card. So I returned them. I was credited XXXX back for my XXXX and XXXX credited back for the gasket set of XXXX from the auto part store online. 

I was charged a {$7.00} restocking fee on each item so twice and I had to pay to ship the items back to them each item {$13.00} so 2 charges of that. 

I purposely paid the shipping charges on that same card so all info is showing for them. 

I called them back on XX/XX/23 to talk to representative to get refunded back for their mistake and she said they don't give refunds back for shipping or the {$7.00} fees. 

So I am out of {$43.00} for their mistake and 1 person telling me to do return the items because I will get re-imbursed for it and another telling me no refunds! 

Plus the day after XX/XX/23 they cut my credit line back which also effects my credit history and I have a perfect payment history with all cards and etc.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting an inaccurate late payment for the XXXX XXXXXXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2023. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: OH

Complaint narrative:
While looking at my credit reports, I noticed the following account had a discrepancy in the " payment history '' section of the auto loan from capital XXXX auto financing Account ending in XXXX This charged off account is reporting payment history each month last a late payment, when it should not since the account has been charged off, This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and updated

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 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: MT

Complaint narrative:
In XXXX I purchased some items that were not resolved one for {$280.00} and the other for {$490.00}. There were items missing from my order. I tried to resolve with the company and they told me to weigh the box. I finally got them to accept a return of the items. I sent this proof to DiscoverCard and they did not accept this evidence that they received their items back even with the company saying that they got them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED BANKSHARES, INC.
State: SC

Complaint narrative:
I have no knowledge this account of fraud And this Is a fraud account I want account Removed and I want to seek for Monetary Relief due to this issue

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 2023-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report in which I have been working diligently to repair so I have been keeping a very close eye on my credit profile from XXXX, XXXX, and XXXX. This is when I noticed that a debt in which I previously paid has resurfaced. The creditor 's name is XXXX, the collection agency 's name is XXXX XXXX, the amount of the debt is {$520.00}. This same debt is also reporting to the same credit bureaus with a different collection agency as well y the name of CBE GROUP from CHARTER COMMUNICATION which is also XXXX  for the same amout of {$520.00} and as stated before this debt has been paid in full atleast 4+ years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: NJ

Complaint narrative:
I attempted to file a dispute online but was blocked by the system. I am attaching proof of four inaccurate accounts from pages 3 and 4 o
f the XX/XX/XXXX Experian report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX utility bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX listed under page 3 of the attached Experian report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX . On page 6 of the XX/XX/XXXX XXXX XXXX report XXXX there is a XXXX XXXX XXXX  XXXX showing a last payment of {$0.00} being made and received in XX/XX/XXXX. It was reported as good standing in XX/XX/XXXX. 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account.

I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX XXXX XXXX XXXX XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.

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 2023-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson capital systems Balance {$260.00} I have no knowledge of this account Ive tried disputing this matter after looking into my credit report still no help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: TX

Complaint narrative:
Im issuing a Notice of Impending Litigation. Ill attach the official document to the attachments along with supporting documentation. Ill also be sending the Notice of Impending Litigation to the registered agent listed for Experian through the Secretary of State and a copy to the Federal Trade Commission as a formal complaint thatll be used as evidence pending litigation if this agency fails to comply with this offer of settlement.

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
While looking at my credit reports, I noticed the following account had a discrepancy in the " payment history '' section of the auto loan from capital one auto financing Account ending in XXXX This charged off account is reporting payment history each month last a late payment, when it should not since the account has been charged off, This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: NJ

Complaint narrative:
I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of four inaccurate accounts from pages 3 and 4 of the XX/XX/XXXX XXXX report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX utility bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX listed under page 3 of the attached XXXX report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX On page 6 of the XX/XX/XXXX Trans Union report XXXX there is a XXXX XXXX XXXXXXXX XXXX showing a last payment of {$0.00} being made and received in XX/XX/XXXX. It was reported as good standing in XX/XX/XXXX. 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099.

On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX XXXX XXXX XXXX XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.

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 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had opened a secured credit card account with Citi Bank last year by depositing {$1000.00} USD as a security deposit. This Credit card was converted to an unsecured credit card ( Regular credit card ) in XX/XX/2023 this year. After conversion, Bank was supposed to refund me my Security Deposit account through a check but even after multiple requests the check was never delivered to me. I even asked them to do a direct deposit in my checking account or refund the security deposit by posting a {$1000.00} credit on my credit card but they are not doing that. I have called them over 20 times and have been complaining to them on XXXX as well. Everytime they say that we will mail you the check but nothing happens. Please help resolve this matter with Citi and help me get my Security deposit back.

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 2023-11-12 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: NJ

Complaint narrative:
There is a account on my credit report from XXXX XXXX that I do not recognize your firm has violated the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : Experian, XXXX XXXX XXXX As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this account from my credit reports Experian, XXXX XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am

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 2023-11-12 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act these creditors 1 : Chrysler Capital XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: Source Receivables Management LLC
State: NV

Complaint narrative:
SOURCE RECEIVABLES MNG at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX sending me a collection notice for the amount of {$4100.00} account XXXX XXXX I Don't know this company. I've never had any business with this company. This company doesn't have any contract with my signature.

Company response to consumer: Closed with explanation