vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 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: MI

Complaint narrative:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXXXXXX # 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 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 explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I applied for a personal loan on their website after they have sent me hundreds of messages to me promoting their personal loans. When I applied for the loan today ( XXXX ) they denied me the loan citing the following reasons : Recent number of payments too low Lack of mortgage trade history on file Too many inquiries in the last six months The top most reasons makes no sense. 

What kind of payments are they talking about? How many is too low Lack of mortgage history. I have had three mortgages in my life. All of them have been paid off successfully They gave the following information about my credit score Your Credit Score : 808 Date : XXXX Scores range from a low of 300 to a high of 850. 

I am assuming that this is the credit score that they used to make decisions. If that is the case, 808 seems to be a pretty high score If not they should tell me what type of score this is. What is the point of giving me a credit score that seems to have no connection to the credit decision? 

I think Goldman Sachs is violating a bunch of FCRA / CFPB / FTC rules in denying me credit. 
After I was denied credit, I XXXXXXXX XXXX to see if there are any complaints. I saw a few news items that suggest that XXXX has stopped making personal loans. If tat is the case they should not have accessed my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX I contacted Bank of America thats my account has been used overseas to withdraw money as well as used to transfer money overseas I contact to make a claim and representives didnt th file all the transactions have call repeatedly to do several claims because they cant do there job! clear this out one person say I should have a credit by 10 Business day if no resolution now other person is saying no are rules are different them other banks and investigation can take months so soneone Can used my account and Bank of America Can take Days months to fix my account am no provisional credit because other bank rules dont apply to them I sent police report I didnt authorize this transactions I need my money back I have read stories they dont even investigate they just brush it off and we the consumers ones that Pay the price!! Everyone blames the last representative they talk to me I dont know why they cant just fix my issue

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 2022-12-15 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
They know XXXX well I didnt give permission to put anything on my consumer report under XXXX XXXX have XXXX accounts from XXXX  XXXX  XXXX & syncb/PayPal that are reporting that are not attached to any open accounts and is hindering me from doing things I need to do thats a violation of my privacy I was also false and mislead by XXXX telling me the accounts where deleted I contacted the original creditors & they cant find no application under the account so how its they reporting this is ridiculous & Im making a complaint because they failed me as a consumer to do there job correctly I need these accounts deleted asap

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 2022-12-15 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: PRANCER CAPITAL CORP
State: PA

Complaint narrative:
Did not give written consent to Prancer Capital to access my XXXX credit report on XXXX. I did not ever apply for credit with Prancer Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARC Management Group, LLC
State: GA

Complaint narrative:
ARC has knowingly furnished false credit information to the credit reporting agencies as a means of collecting on this extension of credit through unlawful extortionate means. I have reasonable cause to believe that ARC had prior knowledge that punishing a consumer for the nonpayment of an extension of credit by engaging in unlawful extortionate means was a violation of the RICO act. ARC has not attempted to lawfully validate this alleged debt prior to furnishing this false tradeline to nonaffiliated third parties. I did not and I do not consent to the furnishing of this false tradeline to any credit reporting agencies. ARC is to provide documentary evidence such as the books of accounts or any evidence as described under 15 USC 44 that this in fact a legitimate debt. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and my financial reputation and move to file suit for the intentional infliction of emotional distress I received on behalf of these unlawful extortionate means. 

If ARC can prove this extension of credit is in fact a " debt '' as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. If your enterprise does not have prior approval from any legislative branch of government in the United States, your company is knowingly in violation of the false claims act. 

If this account turns out to be an extension of credit, ARC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028A and a violation of the RICO act 18 USC 894.

Although your enterprise may have " lawfully purchased this debt '', you are not exempt from any legal consequences that your actions have caused. In accordance with the FDCPA, you should also be aware that your company is equally, if not more, at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. 

This is a demand to cease and desist all illegal collection activity and remove this fraudulently furnished tradeline from my credit report immediately or I will follow up with a complaint with the FTC and my state 's attorney general along with moving to file suit in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: State Collection Service, Inc.
State: SC

Complaint narrative:
On XX/XX/2022, my employer received a call from XXXX asking for me in relation to a personal debt. The phone number they called from was XXXX and XXXX. The representative told my employer her name was XXXX. 

I can not find any information about this company or the phone numbers. When I try to call them back, I am unable to get through. 

I am not allowed to receive personal phone calls at work and this had XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I can not get ahold of anyone, I am unable to tell them to stop contacting me or find out information regarding the alleged debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
In XXXX of 2019 I took out a personal debt consolidation loan with ONE MAIN FINANCIAL. This finance company paid off prior debts that I had as the agreement that I signed. Debt was not paid and was forced to go to collections. I have tried several times over the years and most recently months to get this remedy to get that creditor paid. The amount is about XXXX some dollars but the company has yet to re-administer a check even though I have provided the name of the collections company as well as mailing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: U DRIVE ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Did not give written consent to U Drive Acceptance to obtain my XXXX credit report on XXXX. I did not ever apply for credit with U Drive Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had a credit hard pull on my Equifax report from XXXX XXXX Bank. I disputed this, as I was never informed that a hard pull would be initiated for a credit limit increase. Rather, they pulled it as an application for a credit card and never gave my the results of my credit limit increase request, and they were advised of numerous servlet errors in the app during the process that made everything work inproperly. I was advised by customer service to contact their main number for assistance. When doing so, they told me they can not remove pulls from a credit report and that had to be done through Equifax via the dispute process. I then proceeded to tell them about the errors, but nothing was done. I was also still not given the results of my limit increase. As a result, I submitted my dispute to Equifax as an error in reporting a hard pull inquiry. They immediately denied the dispute and closed it. I am asking that this pill be removed from any and all credit reporting within 30 days by either the reporting agencies or XXXX XXXX Bank. I have copies of all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CORELOGIC INC
State: PA

Complaint narrative:
Did not give written consent to Credco to obtain my XXXX credit report on XXXX, XXXXXXXX XXXX XXXXXXXX. I did not ever apply for credit with Credco.

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have disputed many times both online & writing that the delinquent payments during XXXX  with XXXX XXXX XXXX were made under the XXXX  " COVID CARES ACT '' and accommodations were granted. 
TransUnion refuses to correct the payment history correctly and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from XXXX! 

In 2020 I worked monthly with XXXX XXXX to make ACCOMMODATIONS for payments under the " COVID Cares Act ''. As stated directly in the COVID " CARES ACT OF 2020 '' ( beginning XXXX ) : Quote : Lenders will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as Required by the CARES ACT. Such payment accommodations will AVOID the REPORTING of DELINQUENCIES resulting from the effects of COVID-19.

I have disputed this with TransUnion many times and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from XXXX  on my XXXX XXXX XXXX Account!

This is ILLEGAL and UNJUST. 
If a correction is not made IMMEDIATELY I will be forced to seek LEGAL ACTION and recovery of FEES for damages. 

I have been a loyal customer and have 2 payments left on this account. 
XXXX XXXX has agreed to remove these late/derogatory payments & has sent notice to all 3 credit bureaus without correction to my file. 
I have even contacted the CEO of 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 XXXXXXXX. 
Still, TransUnion refuses to remove these negative/late payment remarks for 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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AES/PHEAA
State: NY

Complaint narrative:
Upon my review of my consumer reports it has come to my attention that you Fed Loan Servicing are reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, XXXX, XXXX XXXX I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. Fed Loan servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information.

See below on the 11 accounts that need to be deleted off my credit report immediately 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
Did not give written consent to Inn Exeter Finance to obtain my XXXX credit report on XXXX. I did not ever apply for credit with Exeter Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist representatives have refused to endorse final insurance checks for repair of home mortgaged through the bank. On XX/XX/XXXX I met with XXXX XXXX at XXXX NC Branch office to have 2 insurance checks endorsed totaling about {$18000.00} for final payment to the contractor. She was refused authority to sign from a remote office that apparently has approval authority. I was told they insisted on 3 business day review time. I returned 4 business days later on XX/XX/XXXX. Met with XXXX and XXXX XXXX on this occasion and was again refused endorsement. The remote authority had not progressed on the request. I returned again on XX/XX/XXXX with yet another refusal. I was informed only " added steps are being taken ''. No further explanation was provided. I gave my phone number to XXXX at her request. Eight days have passed since my last visit without further contact. I stated these checks were for final payment. On XX/XX/XXXX I met with XXXX XXXX of the XXXX XXXX XXXX. The first check of {$30000.00} was endorsed by XXXX. The home in question is in the estate of my sister. I am her sole executor. In the XX/XX/XXXX meeting I provided XXXX with original death certificate and Letter of Testamentary. Also, I returned XXXXXXXX XXXX  safe deposit keys and her joint deposit accounts were consolidated with separate accounts of joint owner. I do not know why the delay nor have I been given a date to expect action.

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon my review of my consumer reports it has come to my attention that you XXXX  XXXX XXXX are reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, Equifax, XXXX ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX  XXXX XXXX  have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the XXXX accounts that need to be deleted off my credit report immediately 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

Company response to consumer: Closed with explanation