vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
I opened my first access credit account in XXXX or XXXX of XXXX  made every payment on time got a screenshot of a payment of XXXX $ bc thats all I owed them for XX/XX/XXXX bill so I had a XXXX balance with first access and made every payment before that XXXX on time and it was being reported to XXXX at that time in XXXX 2022. 
Then I get locked up/ detained and my wallet was NOT ON MY PROPERTY SHEET FOR BALT. Co. Jail so I called in XX/XX/year> and told first access that Ive been a victim of identity fraud and unauthorized use on my card & even made a minimum payment of XXXX $ for XX/XX/year> because first access said they would investigate and I didnt want my credit score to go down. That was on a recorded line through ic solutions that runs the XXXX jail phones now I got XXXX XXXX XXXX REPORTING I OWE XXXX. I got plenty of documents that proves I was in jail & that I informed first access asap SO WHAT XXXX XXXX XXXX & XXXX XXXX XXXX ARE SLANDERING MY CREDIT REPORT AND REPORTING FALSE INFORMATION THAT IS AGAINST THE FCRA. My next step is law suits. 
Now once UNDER THE FAIR CREDIT REPORTING ACT A CREDITOR OR COLLECTING AGENTCEY CAN NIT REPORT FALES INFORMATION THAT THEY CAN NOT VERIFY THAT IS ABSOLUTELY BELONGS TO THE CREDITED MYSELF XXXX XXXX XXXX AND IM ADDING DOCUMENTS WITH THIS BC I FEEL LIKE MY ATTORNEY IS GOING TO HAVE TO FILE A SUITCASE AGAINST BOTH FIRST ACCESS AND XXXX XXXX XXXX BECAUSE ANYBODY WITH XXXX XXXX XXXX COULD SEE WHERE I WAS AND THAT THEIR WAS NO WAY I COULD OF USED ALL MY CREDIT CARDS AND BANK CARDS FROM A XXXX XXXX. XXXX. I will be attaching documents with this complaint and hope we can get first access to report to all 3 bureau, the truth, and that I was never late on a payment until I got incarcerated and also had coverage protection for six months just in case I became unemployed or XXXX. Well, I would say that we count as XXXX being XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX, so all three shouldve been reported as paid on time with a zero balance from the time I got the account in XXXX or XX/XX/year> until six months after XXXX when I made a minimum payment myself from over the jail phone like I said, Ill be attaching documents with this complaint, and Im not stopping here. I will also be found a complaint through my state of XXXX  complain for creditors. Hopefully we can get it resolved and first access camera report the truth to all three and hopefully these documents can help and I got a lot more documents and a police report. Thank you for your time and concern in this matter Deeply concerned XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
They seized my bank account with a {$10000.00} hold on each account when my amount sued for was only XXXX charge of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
On or about XX/XX/XXXX I obtained financing for an auto loan from Honda Financial Services DBA of American Honda Finance Corporation.I have reached out to them many times in order to resolve a credit dispute and they have been reluctant to further review and have denied further investigatation in this matter. On XX/XX/XXXX of XXXX I scheduled and made a payment in the amount of {$680.00} Confirmation # XXXX that was due for XX/XX/XXXX. For some unknown reason ( s ) Honda Finance reversed this payment back to me on XX/XX/XXXX. When I became aware of the payment reversal on XX/XX/XXXX I contacted customer service and made another payment in the amount of {$680.00} Confirmation # XXXX. I realized on or about XX/XX/XXXX that Honda Finance reversed that payment as well. I checked with the bank and enough funds were available in the account to cover both the payments. On XX/XX/XXXX Honda Fincance reported to the credit bureau for non-payment/late/missed payment on my credit report when I clearly made the payments and Honda Finance was negligent to collect the payments. Please review attached documents to help better understand this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is a loan on my credit report from XXXX XXXX that I did not open or apply for. There is an inquiry date of XX/XX/year> and loan opened on XXXXXX/XX/year> for the amount of {$7500.00}. I do not have an account with this company nor did I apply for a personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I tried to pay my Crate & Barrel credit card with my savings account using their online portal on XXXX XXXX. It was rejected. I called them and they said that the account number was incorrect the representative said it did not matter that it was a savings account. I checked the account number and tried again. It was rejected again. I called again and they then told me that they did not take payments from a savings account. I said I could write them a check but it could not be processed as an ACH it would have to be deposited. The rep did not know how to tell me to do that. I reviewed my bill and there are instructions on the back of their bill on how to do this. You write a paper check and mail it to the address on the back in your OWN envelope. Which I did. I didn't even include a copy of my bill to be sure it would not get processed incorrectly. I put my account number on my check. Synchrony received my payment of {$4900.00} and attempted to process it as an ACH on XX/XX/XXXX. It was kicked back. At this point I had interest fees as well as late charges on this account. I called and spoke to them and they did remove the late fees and interest fees associated with my Crate & Barrel card. I paid the balance of the Crate & Barrel card in the amount of {$5100.00} on XXXX 
I have two credit cards for two different stores with Synchrony. They closed both of these accounts which has affected my credit. I called and spoke to them multiple times and have spent HOURS trying to get this sorted. They said I needed a letter from my bank however when I called my bank my bank has no record of the check ever being presented because it was done ACH therefore there is no letter to write. I ask Synchrony for a copy of the deposited check to be mailed to me but that could not be done ( because it was tried to process ACH ). The funds were in both accounts both times I tried to pay! I really don't care about having these credit cards. However, I DO very much care about my credit. Number one, it does not state anywhere that you can not pay online using a savings account. I use this same savings account to pay my XXXX bill so I know it can be used for electronic payments. In addition to that their own customer service reps. ( one of which was a manager named XXXX XX/XX/XXXX ) doesn't even know this. Secondly, I followed the directions on the back of THEIR bill in order to get this paid not as an ACH. In no way should their incompetence be allowed to affect my credit.

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 2024-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/23 I sent a letter disputing inaccuracies on my credit report. I sent another one on XX/XX/23. Both times I either received no response or a postcard/letter saying that it looked like I was using a credit repair agency to help me, which I guess was there way of buying time by " responding. '' Since over 60 days has passed without any investigation into these accuracies, I DEMAND that, per the law, all of these negative accounts be removed from my credit report. I have also filed a report with the FTC and the XXXX. Please resolve this immediately. It is affecting my ability to get a car and costing me a lot of money in interest charges.

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 2024-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
Kentucky Housing Corporation purchased my Rural housing loan after the sale closed. I have had numerous issues with this company kicking back ACH payments when I know for a fact the funds were available. when this happens there is little to no communication and the company refuses payments to settle the issue until the balance and fees are unreasonably high. As a consumer this looks like an attempt to generate revenue from extra fees or worse an attempt to force foreclosure and sale of the property. The employees of the company have been less than cooperative and professional in the few times they have actually answered the phone save for one who had any decency. Considering this is a company that specializes in low income housing Im concerned about how many others they could be doing these things to. 
In addition, I have received calls from unknown and blocked telephone numbers with people claiming to be from the KHC offices demanding my personal identifying and banking information. I believe these to be scam calls resulting from a possible data breach that has not been addressed by the company. 
I hope you can look into these issues and get to the bottom of it. I have been hesitant to file this complaint due to fear of retaliation and reprisal but something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Subject : Urgent Request for Removal of Unauthorized and Unverifiable Item from Credit Report Dear Wakefield & Associates, I am writing to express my deep concern regarding the unauthorized reporting of items on my credit report by your agency. I have never provided consent for Wakefield & Associates to access my credit report, and this infringement on my privacy raises serious concerns of identity fraud. 

I want to emphasize that even in cases of permissible purpose, the consumer 's consent is paramount, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( B ). Additionally, Georgia state law, under Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), requires consumer consent for such activities.

I have not granted permission for the inclusion of this item within my consumer profile, rendering the reported item unverifiable. I demand the immediate removal of this unauthorized and unverifiable item from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ) and relevant Georgia state laws.

I assert my right to have this matter resolved within 30 days from the receipt of this complaint, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ) ( i ) and corresponding Georgia statutes. Failure to comply within this timeframe will be considered willful noncompliance, in violation of FCRA Section 616 and Georgia state law.

Additionally, I request that Wakefield & Associates provide a written document from me, the consumer, that explicitly grants permission for your agency to access my consumer profile, as required by FCRA Section 604 ( a ) ( 2 ) ( A ) and Georgia law. This document should be submitted promptly. 

I trust that you will address this matter with the urgency and seriousness it deserves, in compliance with both federal and Georgia state laws. I appreciate your prompt attention to this issue and expect a resolution within the stipulated timeframe. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: OK

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.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have asked over several months for additional payments I made aside from my monthly payments to be allocated to promotional payment balances on my account. These payments were not allocated as I requested despite asking repeatedly. The company also claims that it takes XXXX billing cycles to reflect.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
On XX/XX/2023 I noticed an unrecognized charge of {$210.00} from XXXX. I have never purchased from XXXX ever in my life I got in contact with XXXX and they told me it was aOn XX/XX/2023 I noticed an unrecognized charge of {$210.00} from XXXX. I have never purchased from XXXX ever in my life I got in contact with SeatGeek and they told me it was something that had to be handled by my bank Goldman Sachs Bank USA I reached out to a representative and told them about the purchase that was made and that I never authorized it. I provided them with all my information and everything else that was required from me. I also went in depth when explaining my situation explain to them that the account that was used to purchase the tickets were created minutes before that purchase was made, and not by me. I also explain to them that I believe my Apple account was compromised, which is where the Apple card That was used to purchase the goods was used from. While I was speaking to the representative, I also asked him to help with the breach on my Apple account since Goldman Sachs Apple Card is handled through XXXX on the XXXX after I submitted my claim even during the claim process, I was never asked to provide more information months later, my claim was denied and I was left with the bill of the purchase amount of the unauthorized claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone is applying for credit cards and its not me. Since XX/XX/2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
This rental application was when I was in high school and has already been reported and resolved with my mother XXXX XXXX. However, it remains on my credit report after the issue was resolved with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: NC

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 XXXX XXXX XXXX. 

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 2024-01-22 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:
I have encountered discrepancies and lack of transparency in the validation process, which has raised concerns about the accuracy and legitimacy of the information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
I have encountered discrepancies and lack of transparency in the validation process, which has raised concerns about the accuracy and legitimacy of the information reported.

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 2024-01-22 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:
Experience, XXXX, and XXXX is the third party company. Which means not only did my bank violate me under the privacy act of 1974 and their terms and condition and which it is that they granted to me at the time of the account opening. The credit agency reported agency did as well.

In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Also XXXX XXXX XXXX XXXX violated my privacy right under the privacy act of 1974 by share my information to a non affiliated third party creditor. I have evidence to prove my case. For the F.C.R.A. As a Federally Protected Consumer. I am now opting out of any and all authorizations. I the consumer may have given you. Written, Unwritten, Verbal, Nonverbal, PER 15 USC 6802. 
I told the Experian, XXXX, and XXXX to Reinvestigate these 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 2024-01-22 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: DC

Complaint narrative:
I sent a request to XXXX to update my Legal Name Change, mailing address, and to remove personal information I did not consent to sharing in my credit profile to no avail.

Company response to consumer: Closed with non-monetary relief