vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been trying to get housing and have been unable to due to the negative items on my account credit reports through the following credit bureaus : XXXX, XXXX XXXX, and Equifax. I have disputed all these negative items redundantly without proper investigation. The negative items include : Collection Accounts from XXXX XXXX XXXX XXXX XXXX TN Child Support Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' There should not be any damages on my account. It is a declamation of character.

These damaging items have preventing me from obtaining housing, growing my business as a professional, obtaining better employment, and credit needed to be successful and to take care of my family,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 950 Credit Inc
State: MS

Complaint narrative:
I have been trying to get housing and have been unable to due to the negative items on my account credit reports through the following credit bureaus : XXXX, XXXX XXXX, and XXXX. I have disputed all these negative items redundantly without proper investigation. The negative items include : Collection Accounts from XXXX XXXX XXXX XXXX XXXX TN Child Support Late Payments : Credit Rent Boost XXXX XXXX XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Unde

r 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' There should not be any damages on my account. It is a declamation of character. These damaging items have preventing me from obtaining housing, growing my business as a professional, obtaining better employment, and credit needed to be successful and to take care of my family,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This account has remained unchanged on my report for years after continued attempts at successful disputes. My most recent dispute has now triggered for this account to be marked as collections in XX/XX/XXXX when this accouunt was CLOSED AND PAID IN XXXX. I am asking that this account be REMOVED IMMEDIATELY AND ENTIRELY AS IT IS NOT REPORTING ACCURATE INFORMATION WHICH IS A DIRECT VIOLATION OF MY FEDERAL FAIR CREDIT REPORTING RIGHTS. The state that I reside in, North Carolina also has a set of credit reporting guidelines that collections can only report for THREE YEARS. This account MUST be removed from my report IMMEDIATELY.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been a victim of identity theft while I was XXXX with XXXX. I have reached out to these companies to remove all fraudulent addresses and hard inquiries from my credit report. I havent received any response in over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Have leased XXXX vehicles through XXXX XXXX. Flawless payment history until the end of each lease when trading vehicle in for new lease. Both times vehicle was turned in, there were issues with the bank and dealership and payments reported as late. Have tried resolving these issues on multiple occasions. XXXX XXXX XXXX XXXX just says to dispute them on credit report. I have disputed them and no change. 

They stated there was a charge off of {$300.00}? Its always at the end of the lease with no other issues during. XXXX XXXX is the only negative remarks on my credit report during my entire life. I have had multiple other vehicles financed and have never missed a payment. Will not be renewing this current lease with XXXX and will never by a XXXX vehicle again. 

While looking into this, I found multiple other people suffering from the same issue with XXXX XXXX. It seems to be a common issue, and I caution anyone to lease a vehicle from 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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Have leased XXXX vehicles through XXXX XXXX. Flawless payment history until the end of each lease when trading vehicle in for new lease. Both times vehicle was turned in, there were issues with the bank and dealership and payments reported as late. Have tried resolving these issues on multiple occasions. XXXX XXXX XXXX XXXX just says to dispute them on credit report. I have disputed them and no change.

They stated there was a charge off of {$300.00}? Its always at the end of the lease with no other issues during. XXXX XXXX is the only negative remarks on my credit report during my entire life. I have had multiple other vehicles financed and have never missed a payment. Will not be renewing this current lease with XXXX and will never by a XXXX vehicle again. 

While looking into this, I found multiple other people suffering from the same issue with XXXX XXXX. It seems to be a common issue, and I caution anyone to lease a vehicle from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Have leased XXXX vehicles through XXXX XXXX. Flawless payment history until the end of each lease when trading vehicle in for new lease. Both times vehicle was turned in, there were issues with the bank and dealership and payments reported as late. Have tried resolving these issues on multiple occasions. XXXX XXXX XXXX XXXX just says to dispute them on credit report. I have disputed them and no change. 

They stated there was a charge off of {$300.00}? Its always at the end of the lease with no other issues during. XXXX XXXX is the only negative remarks on my credit report during my entire life. I have had multiple other vehicles financed and have never missed a payment. Will not be renewing this current lease with XXXX and will never by a XXXX vehicle again. 

While looking into this, I found multiple other people suffering from the same issue with XXXX XXXX. It seems to be a common issue, and I caution anyone to lease a vehicle from 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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this 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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For the past year, Wells Fargo has been Manipulating the order of my purchases for direct deposits so that they can get overdraft fees constantly. I brought it to their attention. I've contacted the XXXX XXXX XXXX They sent me a letter. Told me they were gon na get back to me. As soon as they could, but it was exceeding the 10 days. anyways. Thought I'd go to consumer finance. See if you guys could offer anything. As far as a resolution.

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 2024-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Outstanding interest rates applied and additional rates applied later in loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. ( XXXX XXXX XXXX Account Number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, FCRA 611 ( 15 U.S.C. 1681I ), please provide the name and business addresses of each individual with whom you verified and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I noticed my XXXX account has anywhere from XXXX late/missed payments throughout all 3 major credit bureaus. This information is inconsistent and false, as I have never missed a payment or been late.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 an account without my written instructions.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX # XXXX has a late payment from XX/XX/year>, I need to see all bank transactions that belong to this company that would prove my payment was not accepted on time in XX/XX/year> or remove this unverified late payment. ACCOUNT XXXX # XXXX Has a incomplete and inaccurate payment terms Please delete immediately Please see 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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I noticed my XXXX account has anywhere from XXXX late/missed payments throughout all 3 major credit bureaus. This information is inconsistent and false, as I have never missed a payment or been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were opened in my name without my consent. These are fraudulent accounts that were not open by me.

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 2024-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
Volvo Financial has kept 2 overage payments of {$850.00} each ( {$1700.00} total ) which I did not owe them, and which were promised to be refunded to me. Following a lemon law hearing and decision in my favor, Volvo bought a vehicle back from me on XX/XX/2024, and I was refunded only the payments I had made UP UNTIL THEN. However, it took Volvo Financial TWO ADDITIONAL MONTHS AFTER THAT TO CLOSE MY ACCOUNT, during which time I was instructed by them to make two more lease payments on a car I no longer had or owed money on. They told me I had to do this to protect my own credit report, and promised that any overage would be refunded within 15 business days of them closing my account. My account has now been closed for over 2 months, and each time I call to check the status of my refund, they give me a runaround and no clear answers. I have never dealt with more incompetent and uninformed customer service reps than this. They have kept me on hold for over an hour at a time while they search for answers and records which they never seem to find. They do not seem to understand the most simple of scenarios or calculations and have no idea where to look in their system for data or records. During my last 3 ( lengthy! ) phone calls with them, I have been given several different insufficient answers about where my refunds might be. These include : ( 1 ) sent to the dealership instead of me ( 2 ) sent to the 3rd party buyback facilitator instead of me ( 3 ) not sent at all. One agent named XXXX told me these checks were issued on XX/XX/XXXX and XXXX, but all the other agents who have answered the phone since her, have told me that they have no idea what XXXX was referring to and don't know where to look for the data ( How about in their bank register of outgoing checks?? ) I last spoke with them on the afternoon of XX/XX/2024 ( for over 1 hour ) during which time the agent was unprofessionally silent and unapologetic. I was told no manager or supervisor was available to speak with me. I was told a more knowledgable person would call me back within 48 hours. Over a week later, no one ever called back. No one answers the phone at headquarters in XXXX, NJ. I reached out in writing to XXXX, XXXX XXXX. His ony response was to pretend that he and I were in different countries. He literally wrote only, " Sorry, I am in the U.S. '' Clearly, I am in the U.S. too!! This company will find any excuse not to help a customer. Utterly shameful! They have 20 1-star reviews on the XXXX, many of which say they deserve 0 stars and call them scammers. They are untrained at best, and outright thieves at worst. I just want a refund of my overpayment and to never think about their incompetence again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX ; XXXXXXXX XXXX XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX ; XXXX, CA XXXX Phone : XXXX Back in XXXX and beginning XXXX my personal information has been compromised and used to obtain a credit cards under my name. Please find below the fraudulent accounts information. 

XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Status : Closed/Never late. ( as of XX/XX/XXXX ) Contact info : Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account name XXXX XXXX Account number : XXXX Account type : Secured Card Responsibility : Individual Date opened : XX/XX/XXXX Status : Paid, Closed/Never late. ( as of XX/XX/XXXX ) Credit limit : {$200.00} Contact info : Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account has remained unchanged on my report for years after continued attempts at successful disputes. My most recent dispute has now triggered for this account to be marked as collections in XX/XX/XXXX when this accouunt was CLOSED AND PAID IN XXXX. I am asking that this account be REMOVED IMMEDIATELY AND ENTIRELY AS IT IS NOT REPORTING ACCURATE INFORMATION WHICH IS A DIRECT VIOLATION OF MY FEDERAL FAIR CREDIT REPORTING RIGHTS. The state that I reside in, North Carolina also has a set of credit reporting guidelines that collections can only report for THREE YEARS. This account MUST be removed from my report IMMEDIATELY.

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 2024-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
They offer no interest if you pay off your purchase within 6 months with there promotional purchases on XXXX. Then recently I noticed that after my last several weekly payments the balances for my promotional purchase balances were not going down. I called them about it and they told me they are applying my payments to my non promotional purchases to lower my interest fees ( but by doing that, it is ensuring that I don't get the promotional purchases paid off in time so they can then add those interest fees on to the bill. ) This wasn't their practice before. I'm not 100 % sure when I noticed this occurring but it has not been for very long. When I called them about it, they keep acting like they are doing me a favor by applying my money to non promotional purchases instead when their real intent is to make it where you don't pay the promotional purchase off in time so they make that interest fee also. 

They told me the only way I can directly apply my payment to the promotional purchase is by calling into them every time I make a payment. Which is a big hassle if I'm doing online payments. Again, I told them that I never had to do this call in thing in the past so why is it all of a sudden now you have to? It's a scam they pulling so they have a better chance that the consumer doesn't pay their promo purchase off in time to earn no-interest on the purchase. PayPal is using " Synchrony '' to facilitate the credit accounts, but the payments and policies are made through PayPal. 

One customer service rep even suggested I just pay the whole promotional payment off in one payment and I wouldn't have this problem! How more unprofessional reasoning is that?

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 2024-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - [ ] XXXX MORTGAGE XXXX XX/XX/XXXX - [ ] XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were opened in my name without my consent. These are fraudulent accounts that were not open by me.

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