vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I live in Ohio. I have a credit score between XXXX and XXXX. The usury law in Ohio, states that an interest rate should not exceed 8 %, understanding that this should fluctuate based on credit history. In XXXX of XXXX, I accepted an auto loan from Regional Acceptance Corporation. The vehicle is a XXXX XXXX XXXX XXXX XXXXXXXX. It is used and there are XXXX miles on the vehicle. The resale value for this vehicle, according to XXXX XXXX XXXX is XXXX. I was unaware of this when I accepted the auto loan. Now, I have a " negative equity '' because Regional Acceptance has my payoff amount at nearly XXXX dollars. Also, I was unaware of usury laws that prohibit lenders from imposing unreasonable and or predatory interest rates. My current interest rate is a ridiculous 15.4 %. Now, I am not able to find another company to help me refinance the vehicle because the value of the loan exceeds the value of the vehicle. I pay XXXX a month and XXXX is applied to the interest and XXXX is applied to the principal. I feel that I have been baited and completely taken advantage of. I feel that I was locked into a compromising contract and I have no options to better my situation. I also feel that I do have more than enough entitlement to move forward with a lawsuit as this does seem to be predatory lending. I would appreciate any advice on the matter at hand.

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 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
SNYCB / Paypal credit card They opened a credit card account in my name WITHOUT an application from me! between XX/XX/2023 and XX/XX/2023, this card was added to my credit report I made NO request for this account NOR did I file an application for this account. 
I do not want this account! 


Calling them to get this problem rectified is also Problem as you are on Hold for ever! 
All the guy on phone does is apologize, and refuses to explain how or why the application was made on their part. 

This has resulted in a Hard inquiry on my credit and a reduction of my credit line. 

They are not willing to say what happened or why and also claim it will not affect my Paypal account. BUT I do not believe them. I have had my Pay pal account for years and never had a Problem BUT at this point I may be closing my account.

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have written to Transunion twice in regards to the correct spelling of my name. I also called in to Transunion for corrections. As well as correcting employer information. The information that I provided is not reflecting 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 2023-03-11 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: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
XX/XX/XXXX {$260.00} I have disputed the collection. 
This is negatively affecting my credit. 
Original creditor XXXX Account opened XX/XX/XXXX. 
Last reported XX/XX/XXXX. 
A collection agency is reporting incorrect information on my credit report. It shows an account that has a past due balance. Collection, there should be no balance, past due or otherwise on the account. I do not have a contract with the collection agency that is reporting incorrect information. Also, this collection agency brought the original contract and the debt. Commerce law 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..

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 2023-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please see complaint XXXX as it was closed but not properly resolved. The company did not provide all communications. They lied and stated everything was finished in XXXX but I was still in contact with them in XXXX trying to save my home before it was eventually sold at auction and I was forced to move.

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 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
Source Receivables management Is still engaging me concerning a XXXX and now defunct XXXX bill where a XXXX  manager did a fraudulent transaction on a XXXX  XXXX stealing the phone and not paying XXXX. This transaction was just before the merge this is well documented. Now they ( source receivables management ) are sending letters and demanding payment for XXXX $ I want this issue resolved I will not pay this fraudulent bill the letter states sending in a police report stop with the nonsense they know I dont have a police report but the companies DO HAVE RECORDED CALLS so they need to reference those calls and source receivables management needs to stop harassing me and get those calls and transcripts from XXXX. This on/off my credit report is annoying for literally years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
FTC Report Number : XXXX I am writing to inform you that TRANSUNION has committed several violations under 15 U.S. Code 1681n and 15 U.S. Code 1681o, which are the civil liability and administrative enforcement provisions of the Fair Credit Reporting Act ( FCRA ), respectively. The FCRA imposes requirements on consumer reporting agencies ( CRAs ) to ensure the accuracy and fairness of credit reports. TRANSUNION has violated the following provisions of the FCRA : XXXX.Failing to follow reasonable procedures to ensure the accuracy of a consumer 's credit report - TRANSUNION failed to take reasonable steps to ensure the accuracy of my credit report. Specifically, reporting inaccurate fraudulent accounts with-out verifying the information from, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX 2.Failing to conduct a reasonable investigation of a consumer dispute regarding the accuracy of their consumer report - Disputed the inaccurate information with TRANSUNION, but TRANSUNION failed to conduct a reasonable investigation of the dispute. 
XXXXAdditionally, I ( REQUESTED PROOF ) please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

TRANSUNION FAILED TO COMPLY WITH THE LAW MY LEGAL RIGHTS HAVE BEEN VIOLATED. THEY HAVE BROKEN THE LAW AN THERE SHOULD BE FINANICAL PAYMENT CASHERS CHECK MAILED TO MY DELIVERABLE ADDRESS

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 2023-03-11 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act Ally Financial Account # 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 an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-11 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: IL

Complaint narrative:
My information is being traffic!! ( see attached ) BECAUSE OF YOUR FAILURE TO PROTECT MY NON-PUBLIC PRIVATE INFORMATION companies are now taking my likeness, my personal federation protected private information and are assembling a consumer report that is supposed to reflect who I am all without my consent all without my authority in so present now I am unable to get credit card, home loans, and suitable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, it was discovered that a woman named XXXX XXXX XXXX posted my social security number number on social media further leading me to believe that she XXXX have my young childs ssi information as well. A XXXX police report was filed against her with XXXX XXXX badge # XXXX. The report number is XXXX. I suspect that XXXX is trying to use i and my sons information for personal gain. I would like to place a credit / freeze block on my sons behalf.

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 2023-03-11 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Hello, I've submitted a letter ( XX/XX/23 ) to the credit bureau under the Fair Credit Reporting Act, Section 609, regarding a item that is listed on my credit report. This account was is not mine and I've requested to see the original contract that contains my signature. The company on my credit report is listed as : LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: VA

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 XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: GA

Complaint narrative:
I have spent {$360.00} sending dispute letters ( 609 fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ). I am asking them to verify the collections on my account with an original signed signature from me to prove those collections are mine. They have failed to do so and i have 4 return receipts from each credit bureau with there stamp on it to prove they have received my letters in the mail. 

Dates they received my letters below : XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 explanation
Consumer complaint received 2023-03-11 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 — Investigation took more than 30 days
Company: Self Financial Inc.
State: NJ

Complaint narrative:
I did a dispute with self lead bank on XXXX XXXXXXXX and both credit bureaus took more than 30 days to respond. I started the dispute in XXXX and I havent gotten to respond in the mail ever since. They had 30 days to verify and they couldnt verify it so by law it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: FL

Complaint narrative:
I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, TRANSUNION & XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX, & Transunion written permission to furnish these accounts. 
15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance to 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. 

Account name : XXXX ACCOUNT NUMBER XXXXXXXX has violated my rights Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX  ACCOUNT NUMBER XXXX has violated my rights

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 2023-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Somebody created an fraud account with XXXX XXXX using my name and tried to transfer money, in the amount of {$20000.00}, from my Citibank savings account ending in XXXX to the XXXX checking account ending in XXXX. This was initiated on XX/XX/2023. I called Citibank the same day ( XX/XX/2023 ) and informed the representative I was speaking with that I did not authorize this transaction and that it should be cancelled. The cancellation was then initiated per my request. I received e-mail from Citibank stated that they've stopped payment for this transaction and stop payment request will remain in effect permanently. But in few days this transaction was executed. After investigation Citibank sent me letter where they explained ( using wrong statements ) why they can't return money to my account.

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 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a business credit card with bank of America. Began a repayment plan. The attached email shows the agreement. It says I can pay online. Once started they closed my account. They send me emails telling me I have a new statement and to log on to view. However they closed the account so I can't view online. They also say I can make payments online. However this can not be done either. I have to call in or go in person. When I call there is a long wait to get ahold of anyone. I never know how much I owe, my balance or how payments were applied.

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 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo claimed I and I alone ; deposited and withdrew money, that I have had no knowledge of. I have received multiple letters in the mail to pay a certain amount as they had already stolen the money I had in the now closed account. 
The account was compromised XXXX XXXX XXXX, and has been a struggle paying a debt I was not involved in.

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 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I've attempted to negotiate and settle the debt twice using a law firm that fail to follow up in an adequate time frame. The first occasion the law firm failed to relay a counter offer from me to the creditor. The second occasion the law firm, had me to agree to unfavorable terms and then failed to contact me back about next steps and finally provided me the information 3 days before the date which did not allow me time to agree to the terms because my funds were in an out of state bank. 
I attempted to contact the creditors law firm on Friday, XX/XX/XXXX to ask for an extension and the lady that answered the phone refused to work with me even after I offered to provide her their file no, she attempted to pressure me into providing my social security number which I refused then she ultimately refused to work with me even though I let her know that I had just been provided the information about the settlement. I would like a fair settle offer that is consistent with what has been in the past. I'm also concerned that I might have been researched and targeted with a lawsuit.

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