vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-03 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May concern : There have been multiple disputes forwarded to the following Credit Bureaus on a specific item on my Credit File ( s ) Equifax XXXX XXXX There has been several attempts made to correct these matters. But every time a response is returned by the Credit Bureaus one or the other will send out a letter sent back from them stating it does not look as if the written communication is coming from me. This is a tactic that is in violation of my rights. And i need something done about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ernst, Ernst & Artmann, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was referred for XXXX XXXX. I was told by my XXXX XXXX that the test was not covered by health insurance but I would qualify for low cost testing by completing a form. After completing the form my maximum out of pocket cost for the test would be {$45.00}. I received a bill from XXXX approximately 30 days later with the cost of the bill being {$200.00}. I paid the bill using my credit card. A few months later I received another bill for the same amount. I called the company to express that I had paid and they admitted over the phone that they saw the payment in full and since I paid out of pocket versus through insurance it would take time for their system to connect. The representative said I could ignore future notices. In XXXX of XXXX I was notified that the debt was sent to collections to the E & A Group. The amount the E & A Group said I owed was {$1800.00} but I could pay {$780.00} to settle the debt. I provided all the documentation of payment of the original bill to the E & A Group and I heard nothing back but they did place the debt as a collection on my credit report in XX/XX/XXXX for owing the amount of {$770.00}.

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 2024-04-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Financial Business and Consumer Solutions.
State: OK

Complaint narrative:
I went into a payment agreement with the debt collection agency FBCS , Inc. The agreement was that they would automatically withdraw {$100.00} from my bank account on the first of each month until my {$1700.00} debt was paid off. I tried to contact them multiple times in XXXX to make my payment early so that I could handle other financial obligations after. No answer, no call back, no email back. I tried to contact them again in XXXX to ask for a few day extension on my payment. No answer, no call back, no email back. I tried to contact them in XXXX to see what was going on. Same thing. XXXX payment has not been taken out of my bank account. They are not holding up their end of the payment arrangement and the lack of communication makes me very uncomfortable considering they have all of my financial information. I would like to get this debt transferred to another agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: PA

Complaint narrative:
Loan # XXXX with XXXX Loan Care Back in XXXX I made an online payment for my mortgage. Their online system had been upgraded so all default methods of communications were no longer programmed. I was not aware that my payment had not gone through. I got letters in the mail versus email or text notification weeks later. I had to speak to multiple people and was told that it was not an issue of bounced checked or payment but that my banking information online may have been wrong which had never been the case as I had made many timely payments beforehand. I was told that I had to pay via cashiers check and would no longer be able to pay online for the next 6 months. I have paid via cashiers check for XXXX and XXXX without issue. Last month I sent my check on XX/XX/XXXX, it said that it was delivered to their po box and picked up on XX/XX/XXXX and yet it was not applied to my account and they sent a letter stating that I had a delinquent payment. I contact them and they have no answer or help for why my check was not applied or where it might be. The person on the phone was asking me to go to the post office ( where their company po box was ) to ask if the check had arrived. Their po box has no actual address. Then he asked me if the check amount had been withdrawn from my account and I had to remind him that it was a cashiers check, it didnt work that way. His response was oh yeah right. The customer service agent was of no help. I proceed to send my receipt of the cashiers check and tracking info to the payment research team at loan care. It provided my bank, check number, who the check was made out to, the date of the check and signature of bank employee for verification and yet they claim they did not have enough information because I did not send a picture of the front and back of the check. The information provided was enough information to do research. There is no sense of urgency to help locate a {$2800.00} check sent to their po box . They just keep asking when I will make the payment. My bank said the check has been cashed. They have submitted a dispute and an answer will be given within 120 days. 

After speaking with 3 or 4 people in customer service, I was told that I could have been making payments through XXXX XXXX. This was not discussed back in XXXX or the numerous times I've spoken to people. I do not feel like Loan Care is handling the matter with urgency.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
An inquiry on my report and a car loan was co-signed fraudulently in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
On or around XX/XX/year>, I refinanced my vehicle with XXXX XXXX XXXX XXXX and was given cash out as a result of the positive equity in my vehicle. I signed new loan documents and title was transferred. When I inquired about a HELOC, the bank initiated a investigation on me and brought me in for interrogation which appear to be a form of discrimination. XXXX alleged I lied on my application for which I was never given as the application to complete. The loan process was a interview cirtual seamless process for which I qualified to have both my vehicles refinanced with XXXX based on the requirements at that time. XXXX froze my account and rescinded the loan. However, the former lien holder never reinstated or sent new loan documents after the car was fully paid off and XXXX rescinded the check sent. I am not currently under contract with the current lien holder since proceeds from the payoff were already used and that loan was closed.

However, since such time BMW Financial Services have continued to bill for the truck each month without legal documentation that they are in fact the current lien holder. The dispute over the payoff is between XXXX and BMW Financial services not me the consumer and BMW. So would like BMW removed from my credit report and all monies sent for the vehicle since XX/XX/year> refunded since there is no valid contract in place. Under FCRA, BMW financial services has XXXX days to produce a contract with my wet Signature reinforcing the loan terms

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Unknown Inquiries on credit report. I would like them removed. I did not authorize these companies to run my credit and it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
Unknown Inquiries on credit report. I would like them removed. I did not authorize these companies to run my credit and it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2024. I transferred {$800.00} from my USAA checking account ending in XXXX to Bank  account # XXXX ; Routing # XXXX - XXXX XXXX  under the name of XXXX XXXX XXXX, my mother. Minutes later my mom informed me she had closed that account some months ago. I immediately called my bank USAA to look into this matter. USAA assured me that since the account was closed that the {$800.00} would be returned to my account within XXXX weeks. XXXX months later USAA informed me that the money had not been returned and they had no idea what happened to my money. I provided USAA a XXXX digit trace number from XXXX XXXX verging the {$800.00} was returned to my USAA account on XXXX XXXX 2024. As of XXXX XXXX  2024, USAA closed their inquiry advising me the money has not been returned and no idea whats the money is? 
My mom did not received the money since XXXX XXXX  told her the account was closed and the {$800.00} was returned to my USAA account to which XXXXXXXX XXXX provided the XXXX trace number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
Companies ran my credit report and created negative inquiries. I didn't authorize these companies to run my credit and it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I've tried using multiple prepaid gift cards I received as wedding gifts online and they are always declined. The company suggested I add the gift cards to XXXX or XXXX XXXX which I have tried and the gift cards still do not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The third time is the charm as everything comes in XXXX XXXX I have tried to rectify this matter. There are still charge offs, student loans and inaccurate reporting of balance and transaction history reporting. 

First, According to Family Educational of Privacy Act 1974 STUDENT LOANS should not be reported it goes against privacy act as stated here -https : //nces.ed.gov/forum/dataethicscourse/additional-materials/family-educational-rights.pdf https : //studentprivacy.ed.gov/sites/default/files/resource_document/file/2012-final-regs.pdf Second, charge offs are certificates of indebtedness and should not be reported, so please remove ASAP.

Third, its illegal to report transaction history. Remove all " soft and hard '' inquires Fourth, for permissible purposes remove all collections, student loans, charges offs and update transaction history as current/updated.

Fifth, by reporting non accurate information without my consent is against FTC - https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0014-identity-theft.pdf 15 USC 1681 - inaccurate report, 15 USC 1608 CASE LAW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - In this case, a class of XXXX individuals sued XXXX , a credit reporting agency , in federal court under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - CFPB and FTC Take Actions Against TransUnion for Illegal Rental Background Check and Credit Reporting Practices- https : //www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-take-actions-against-transunion-illegal-rental-background-check-and-credit-reporting-practices/ Psalm 25:1-2 says, In you, Lord my God, I put my trust. I trust in you ; do not let me be put to shame, nor let my enemies triumph over me '' Please take heed, XXXX/ BENEFICIARY

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 2024-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX are allowing XXXX XXXX to report debt over a vehicle twice. XXXXXXXX XXXX  sold my debt to XXXX XXXX XXXX and both credit reporting agencies refuse to take the {$9000.00} XXXX XXXX  in collections account off even with proof that it is the same account. Its illegal to report the same debt multiple times under multiple companies. XXXX said they would fix it and havent, Experian rep told me they arent responsible for reporting accurate info they only report what creditors tell them to and its not their responsibility to take off duplicate accounts.

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 2024-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Having ongoing issues with Amazon thru Syncrony. Had an issue where I had to change my bank account a year ago due to my wallet being stolen. Went on immediately and entered in new account information for payment. Set up automatic withdrawals from the new account. Old account still available as a drop down, but take caution in always picking the right account for payment. Have gotten multiple calls from collections department at least 4 of the past 10 months. Synchrony will continue to ignore my chosen payment of new account, will charge old account and get bounceback from bank because that was closed in XXXX of last year. Ive called, gone on live chat and have gotten no assistance from synchrony. They regularly hang up on me or disconnect the live chat, making me have to start over. Ive spent hours and hours trying to get this resolved with no luck. Just days ago, I spoke to them, paid my balance of XXXX bucks in full ( w/ new account ) made sure that my auto payments came from the correct account and still got an email today saying they were contacting me about failure to pay. The absolute worst customer service ever- but the more alarming part if they continuously ignore payment agreements and charge any account they want. Then will charge my late fees on my account. Such a scam, do not do business with synchrony!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Capital Management Services, LP
State: CA

Complaint narrative:
I claimed dispute {$80.00} on XX/XX/2023, The XXXX XXXX  claimed they give me provisional credit {$80.00} to my account which I did not see this credit, I deposited my ending balance {$3900.00} to my other bank, but from start to end, I did not receive any dispute credit to my account, but they claim the dispute is denied, and they want {$80.00} credit back and {$30.00} closing fee, which is unreasonable. 
And now Capital Management tried to collect my debt behalf of XXXX XXXX, I would not recognize this debt.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with explanation