vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Progressive insurance continued to attempt to charge me insurance on a policy that was canceled since XX/XX/XXXX. They referred me to Caine and Weiner collection agency for a balance of {$400.00} which dropped my credit score XXXX points on XX/XX/XXXX while in the middle of trying to apply for a loan to save my business. I was waiting for my score to update on XX/XX/XXXX. I paid down my credit cards and lowered my utilization in order to guarantee an approval. However, due to progressives negligence I was unable to apply. Removing the derogatory has become extremely difficult and has hindered my loan process tremendously. When Im all actuality progressive really owed me money. {$3.00} to be exact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Please see attached document. 

I have not inquired about any credit cards for the month of 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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX XXXX 2023, I used my account on XXXX to charge my wife a necklaces. I paid XXXX dollars extra to get order within 5 to 8 business days. When the 8 business day came, which was XXXX XXXX 2023, I contact company who I ordered from, ( XXXX ) spoke to the same lady XXXX different times before talking to manager to come to the conclusion I wasn't getting my order. I then knew it was time to reach out to XXXX, as I did. XXXX told me in my email they would contact me within 24 hours. They since then fail to do so. The payment for the order is coming up on XXXX XXXX 2023, they expect me to pay for something I don't have. XXXX also going to lower my credit limit and report bad to my credit if I don't pay the payment that is due XXXX XXXX 2023 for something I never got! I never been late on my payments and has build my credit with them. I don't want it damaged and I don't want retaliation against me because XXXX doesn't want to do they job, which is to Investigate they XXXX who they have a contract with for they customers to change off they XXXX account. Order number is XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX

Complaint narrative:
These people had been informed that the debt they refused to remove from my credit report was included in a XXXX. XXXX that has since been discharged. I have filed several disputes with the credit bureaus about this error, and Helvey and Associates continue to break the law by attempting to collect on a debt included in XXXX XXXX. 

The law clearly states that all collection activities regarding debts listed in XXXX  XXXX are illegal, yet they continue to harass me and disregard this fact. They even questioned that I was telling the truth about the debt, assuming that since I have an ethnic name I'm automatically lying about it. 

These people are XXXX, XXXX, rude, and disrespectful. Be careful dealing with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: WA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents 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 non-monetary relief
Consumer complaint received 2023-04-10 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I rented a car for 10 days at {$410.00}, no insurance was taken out b/c my credit card covers some insurance. No liability taken out b/c my XXXXInsurance covers liability. rental started XX/XX/XXXX tp XX/XX/XXXX,. i returned it 1 day late on XX/XX/XXXX. 
XXXX  Car Rental i believe is a erman company, only communicate by email, hardle ever do they pick up there phone and never return calls. They supplied no responsesto my qwrvices uestions nor the Chase Visa requests for info. 
They used an email I dont look at often. I tried to pay the extra day, when i returned, but he didnt know,, " they will contact you ''. i assunnmed by phone or mail .... Plus there was a minor accident. So, i wanted to use VISA cardmember services too, i couldnt get any info fro m them,, it dawned on me in XXXX to look at my XXXX acct. 
there it was XXXX or more emails.. Wsell in 2-3 days w/ no response they were havinf an electronc fit, why didnt they juyst call? 

So, the extra day XXXX  was {$39.00}, and damage to3 scratches and a crack (? ). was about {$330.00}. By ther end of emails, they changed the extra 1 day rental to {$350.00}. with extra fees, late charges and 12 days of liability insurance at XXXX /day .. ( when the car was returned ) on XX/XX/XXXX. Who would pay for insurance at the end of a car rental?? The invoice for the FAKE EXTRAS is even dated XX/XX/XXXX. its obvious to me what thhey did, so i am willing to pay the {$40.00}, even wrote to them,,, but no answer. 
CHASE VISA, I think jumped the gun and before i could explain it to them in simple terms,, and VISA ASKED FOR ALL DOCS, so I sent 30 pages,,, And then they missed the point, got scammed the way people do, but its my money,, and its obvious ythey fraudulently changed the fimnal bill from {$40.00} to {$350.00},, so they could add there damages to my VISA and it was accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is inaccurate information reporting on my Experian and XXXX credit report. They are reporting an account in which I do not recognize. XXXX is reporting the account as XXXX XXXX while Experian is reporting it as XXXX XXXX XXXX XXXX. How does this meet FCRA regulations when the account numbers are different? All data furnished should be the same and consistent, but this account is not. I have only 1 closed account with this company, and this is not the account. I am requesting that this inaccurate information is deleted from my credit report immediately. I will attach the inconsistent 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 explanation
Consumer complaint received 2023-04-10 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: WA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents 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 2023-04-10 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: MN

Complaint narrative:
XXXX and TransUnion both responded with verified without providing verification information. Contacted them both via Certified mail on XX/XX/. The tracking number is XXXX and XXXX. 

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 XXXXXXXX {$5200.00}, XXXX XXXX XXXX XXXXXXXX {$450.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} 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 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 2023-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
My friend told me that American Honda Financial Services is deferring 2 monthly payment as an economic relief measurement during beginning of COVID-19 pandemic. On XX/XX/XXXX, I called Honda Financial Service and asked them about the deferral. They deferred my payment for 2 months, without explaining me on how interest will be charged and so on. My loan maturity date was XXXX but pushed to XXXX, which I understand. I made all payments upto XX/XX/XXXX. I thought I paid all my loan agreement money. 

Unfortunately, they are saying now that I owe them {$1100.00} extra, i.e., basically $ XXXXmonth interest for those two months deferral period. I keep asking myself, if I have to pay an extra {$550.00} per month for those 2 months ( COVID-19 relief deferral period ), is it considered as a pandemic economic relief provided by the Honda Financial Service ? My monthly payment is {$770.00}. I could have borrowed loan from my friend and had paid {$770.00} at that time rather than paying {$550.00} interest per month now. This odes not make sense to me. 

They never said anything about interest over the phone. I did not sign disclosure or anything like that. I asked them to play the recording from XX/XX/XXXXXXXX XXXX They say they do not have it because they changed the system. Every company has a data retention policy. They can not loose data because they changed the system. This is not the right thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 non-monetary relief
Consumer complaint received 2023-04-10 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: FL

Complaint narrative:
On XXXX/2023 they said that they deleted all the fraudulent inquiries, today is 0XXXX/2023 and those inquiries are still on my credit report, even tho I sent them FTC report several times via FAX, MAIL, and CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I deposited a check {$5200.00} through ATM I was told by a rep funds available XX/XX/2023 then they did a extended hold til XX/XX/2023. On Thursday XX/XX/2023 I went in to the branch and deposited {$4000.00} from same title company bank. I ask the teller how long for a hold and he said 24 hours. The next day the {$4000.00} was in my account. I woke up this morning to a alert that Bank of America took the {$4000.00} back and put that check on hold and now I am negative {$3700.00}. I have items going through and I most likely will be charged fees. I called the customer service and ask why did they take back funds that was already cleared. They said the teller put it in wrong. That is not my fault. So this check not available til XX/XX/2023. I called the title company and they check with the bank and the bank has already paid the funds to Bank of America. First I was lied to about funds being available on XX/XX/XXXX then on another check they put the funds in my account then take back. Both checks are good. I am a real estate agent and those are checks from XXXX XXXX XXXX XXXX. I sold 2 homes in one week. If the other bank has paid already both of my checks that I work hard for should be released but most of all they should not take funds back after releasing due to the teller making a mistake which he did not because I saw him take pictures of the front and back of my check. I get direct deposits on the XXXX and XXXX XXXX of the month from my employer and now I had to open another account with another bank to get my direct deposit. Bank of America has put me in a very bad position. They have my money and is going to get extra because I have things going through my account and now it is overdrawn.

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 2023-04-10 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: IL

Complaint narrative:
Please see attached document. 

I have not inquired about any credit cards for the month of 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 2023-04-10 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: Experian Information Solutions Inc.
State: AL

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, US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED XXXX XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX XXXX US DEPT ED : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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 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 2023-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Lease started on XXXX  for 2 years. The dealership ( XXXX XXXX XXXX XXXX XXXX ) set me up with Ally Bank. I was told I would be able to purchase the car for the specified Residual Value at the end of the lease. 

I am interested in buying the car and do not need financing. 

However : Ally Bank is not willing to sell the car to me and guides me to find a dealership in MA who would buy the car from them and sell to me. 

XXXX XXXXXXXX XXXX XXXXXXXX is willing to do it only if : 1. I take financing with them. 2. Pay {$500.00} for them to check the car. 3. Commit to pay whatever they think is needed to cover anything they might find in their exam. 

I talked to other dealership and no one was willing to buy the car from the bank for me. ( rightly so... They said they never heard of such a request ). 

I am still interested in realizing my right in the contract to buy the car at the end of the lease. I do not need financing.

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 2023-04-10 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: MI

Complaint narrative:
I reviewed my Consumer Reports and notice that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information the best of their ability with Maximum accuracy. I have never been late on payments for the account : 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 2023-04-10 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: MI

Complaint narrative:
I reviewed my Consumer Reports and notice that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information the best of their ability with Maximum accuracy. I have never been late on payments for the account : 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 explanation
Consumer complaint received 2023-04-10 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: RI

Complaint narrative:
I have sent a letter out the XXXX  XXXX on XX/XX/2023 asking them to provide me with a copy of the 1099-C that was issued by their company when they charged an alleged debt off with the IRS which is required by law for all debts over {$600.00}. I have yet to received a response. Also my rights have been violated according to the FCRA 15 USC 1681B ( a ) ( 2 ) This company did not receive any written instruction by me to publish such allegations onto my credit report.

Company response to consumer: Closed with explanation