vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
Discover Financial {$3000.00} XXXX  On XXXX I purchased a XXXX XXXX lawn tractor and bagger from XXXX in XXXX, NY and put it on my Discover card. I used it once and there was a major malfunction which destroyed the entire engine. The tractor was picked up by a XXXX XXXX on XXXX with the intentions of replacing it. After a few days I was informed by XXXX that they could not replace that particular model so I promptly cancelled the order and returned the bagger myself. On XXXX the charge was out back on my bill! In XXXX it was contested, but somehow was determined in favor of XXXX. By this time, it was XXXX policy to not issue return receipts after 90 days, which had already passed. After having XXXX investigate this claim, it was determined that the tractor, in fact, was returned and the claim was valid. I reached out to Discover Advocacy, sent a letter of dispute along with fax transmittals, emails, receipts of return and they are still saying they will not remove this from my bill. We have sent them everything they have asked for. They are destroying my excellent credit rating because if this false reporting. Please help us! We have complied with every single request from Discover. They just say no without giving us any answer as to how they came up with this unjustified conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello. Please help me. I have been trying to speak with Chase Auto for a few months because they are hurting my credit. I have spoken with them many times. I have tried to plead with them and also to reason with them, but they don't care. I have tried to send them letters explaining the situation, but they don't respond. It is very sad that Chase Auto is just deciding to hurt my credit for no reason at all. Please help me.

I have never paid 30 days late in my life. I didn't pay 30 days late to Chase Auto either. They are marking me XXXX days late for XXXX of 2023. I have proof I didn't pay them late either. My XXXX payment was due on XX/XX/XXXX. That same day I called Chase to try and make a payment over the phone. It was a Friday. Chase told me the department which handled auto payments was a different department and they had to transfer me. When they tried to transfer me, I was told that department wasn't answering, and they may have closed already. I asked if I could pay them since the other department was closed, but they said no. They gave the number to the other department, but I couldn't get a hold of them. I then tried paying online, but their online system would not allow me to schedule a payment for same day. I paid them anyways because I never pay late, but the system scheduled the payment for the XXXX XXXX  XXXX. It would not let me pick an earlier day. I also have proof of that. 

I called Chase the next week and I told them what happened, but they didn't care. Since then, I have been calling numerous times since it wasn't fair that Chase wouldn't take my payment over the phone and their online system would not accept payment for the same day either. I keep getting excuses or people that don't want to help me. Because I am a XXXX XXXX my credit is important for equipment and supplies, and this is really hurting me. Please help me as this is costing me business and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been trying to work on my credit for a couple years. I hate to report this, but XXXX has not been updating my credit. I have made several payments on my XXXX account and they have never updated my balance. I filed a complaint with Experian and Experian claims that my balance is legit. How is this possible? XXXX keeps reporting that I am at or over my limit. I have never been over my limit! In fact my current statement shows my account balance at {$1500.00}. My line of credit is {$2500.00} ; so literally falsly reporting on my report nearly {$1000.00} of a difference. Statement will be attached.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a Verizon VISA card from Synchrony Bank. I have signed up for the card in XXXX, XXXX. At that point I was promised rewards for a variety of purchases. I was not able to receive any of the rewards. The online application from the bank will direct me to a Verizon Website. Verizon will supposedly send info back to the Verizon Visa, but instead of crediting the money amount it will debit it. I tried to talk with customer services in both, Verizon and Synchrony bank several times during the year. But they were pointing to each other and the problem was never resolved. Today ( XX/XX/XXXX ) I made another attempt to talk with Synchrony bank, But instead of trying to resolve my problem they were aggressively pushing me to get some type of voucher and pay {$1.00} to have it delivered to me by mail. Even when I refused to submit they were still pushing and were refusing to discuss my problem unless I agree to receive the new promotional item, My rewards money is {$150.00}. This can be easily calculated from the statements.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove these hard inquiries from my credit report I have no knowledge of these accounts they are fraudulent.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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:
Please remove these hard inquiries from my credit report I have no knowledge of these accounts they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: RI

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have the one that is remove off two credit report because of fraud XXXX  XXXX is garshment of my wages and there almost paid but XXXX XXXX  has not prove that those my charges or not I was married at the time all so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I'm trying to get my credit updated and XXXX  person that keeps calling are calling at bad times and expect me to drop everything and answer her questions. She will not give any contact information so that I may call her back. Her name is XXXX. she will not allow me to speak with her supervisor either. I really need help and XXXX is not the one. Just horrible in courtesy and professionalism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
Needed extensive plumbing repair. ( XXXX, MN ) XXXX XXXX XXXX encouraged us to apply in our home while he was there ( some repairs were already done ) ... and said we were approved. We were to activate loan online. Were not able to ... and advised to call Green Sky ( the loan company ). I have been calling all week, put on hold, transferred, to no avail, being told " a case was opened '' " it is in investigations '' XXXX, from Green Sky is supposed to call, has not yet. I have left several messages. His number is : XXXX, ext. XXXX. XXXX XXXX XXXX is angry that we have not " activated '' loan yet and advised me rudely to get it activated now or we don't get paid! We have 3 incomes in this house. My mom is the primary on the loan ( loan app XXXX XXXX..name XXXX XXXX ) She is XXXX she does not hear well o n the phone. They have not returned calls or taken me seriously at all. I do not know what the problem is. The work was to be in the XXXX XXXX range. We will have to cancel the rest of the work and pr0bably be charged more because it was a " bundle package. '' We can pay some on a credit card but would need a loan to complete the big job which is a necessary job.. I am stuck here waiting for a call that does not come with XXXX XXXX breathing down my neck AS IF IT IS MY FAULT!!!! Please help... .my phone number is XXXX. XXXX XXXX is my mother and she and I are living in the same home, as is my partner. The loan is in her name. I can not move forward or backward waiting for Green Sky to contact me and I have tried all week!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I have tried opening a bank account and Ive got denied due to early warning systems so I contacted them to dispute the inaccurate information off my file and they have yet to start an investigation to get proof of the negative accounts that they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and learned that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report. The following are fraudulent accounts being referenced : US DEPT ED {$9800.00} US DEPT ED {$9000.00} US DEPT ED {$6200.00} US DEPT ED {$4800.00} US DEPT ED {$4000.00}

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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:
Please remove these hard inquiries from my credit report I have no knowledge of these accounts they are fraudulent.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: RI

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See document attached

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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
Alliant Credit union refused to notify me they were not going to wire my funds as instructed. They then asked me to give them info against what the recipient had instructed me to use. They told me using the the wrong info was the only way I could wire money. They failed to notify me they had not sent the money then asked me to us a an address that the funds were destined to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I need my accounts that are outdated removed from report. They are all on the closed account list.

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