vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Previously held a CareCredit account, but the account was closed due to inactivity. Applied for a new CareCredit account, as a dental procedure was scheduled within 4 days. After applying was instructed to contact via telephone. Contacted via phone and was advised to visit XXXX to verify my identity via biometrics. At no point was I informed that the application was denied or might've been denied prior to conducting the identity verification. At the time was uncomfortable providing biometric information, but proceeded with the process after speaking with someone who informed me of the length of time it would take to complete the process via mail. Upon completion of the on-line identity verification process, was informed that I would receive a letter in the mail in 7-10 business days. No further information was provided. Given that I had just uploaded photo documentation including my driver 's license and license bar code, I was dissatisfied with the response provided online. Only after I called back, was I informed that my application was denied. No further information was provided related to the adverse action. My complaint centers around the fact that, given the company already pulled my credit report and obtained information related to my application, said company should have had sufficient information to make the denial decision prior to the requirement to complete the identification process. Given that I am not aware of the reason for the decline, I am not filing this complaint because my application was declined, but because of the cumbersomeness of the process for the identification and the vagueness related to how the company uses the biometric information provided to them. Had I been an older individual or possibly an individual with XXXX, how would the company have accommodated me if I had not had access to the verification website? Given the other verification method... waiting for documents to be mailed or obtaining the documents via email, then printing said documents, then having the documents notarized, I'm not sure how accessible the credit product is, especially given it was going to be used for a dental procedure, which typically isn't something that is planned in advance. Disclosure should be provided to an applicant that going through the verification process may still result in the denial of the credit application.

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 2022-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
WITHOUT PREJUDICE Before any financial institution reports any of my information there are proper conditions and procedures that first MUST be met by law before they do any reporting. Any contract I had with Credit Acceptance XXXX  is now Null and Void due to the facts they failed to provide the following disclosures during the initial communication, and failed to explain how I can exercise my rights as the consumer to opt out of the unfair reporting and collection activities. 

I know I am entitled to the right to privacy which means I have the RIGHT to opt out of any of my information being reported to any and all non affiliated third party agencies, due to the fact every financial institution has the obligation to respect the privacy of it's customers and to protect the security and the confidentiality of those customers non personal public information. Also, to protect from unauthorized access or use of such records or information which could result in harm, or inconvenience to any customer. 

( This includes primarily XXXX, XXXX & XXXX, plus all the other consumer reporting agencies collecting my information ) Now, this is NOT an option given by Congress under the Privacy Obligation Policy 15 usc 6801 & 15 usc 6802 b ( a, b, & c ). Here are the violations that have caused me to suffer unfair and inaccurate reporting on my consumer reports/files.

Violation 1. 15 usc 6802 B ( a ) clearly and conspicuously disclose to the consumer in writing that they are going to report any information.

Violation 2. 15 usc 6802 B ( b ) the consumer must be given disclosure that there is opportunity before the reporting begins to not have that information reported.

Violation 3. 15 usc 6802 B ( c ) the consumer must be given an explanation on how to exercise the right to the non disclosure option.

I have contacted them sending letters about these grave errors and other unfair collection activities demanding they cease collection attempts, meanwhile nothing has been peacefully resolved as they continue to violate my consumer rights and fail to acknowledge my written consent to stop furnishing inaccurate information that is not permissible. I know that if they have any reason to believe that any information being reported is not accurate, they must Delete and Block any further reporting pursuant 15 usc 1692g ( c ) and that they also must have my consent in writing to report or delete anything ( 15 usc 1681b ( a 2 ) and I only gave them permission to cease.

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance to the Fair Credit Report Act 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 XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax and XXXX are reporting inaccurate information on a childsupport case that is XXXX ( XXXX  ) years old and should not be reporting on my credit report.I would like the inaccurate information removed from my credit file.i have been denied credit for this. I have filed at least 30 disputes and nothing has changed..I also sent in a certificate payment history statement from Florida XXXX and still nothing has changed.I my FCRA reports have been repeatedly VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I looked at my report and noticed that there are many inquiries listed that I did not recognize or authorize. 
I will list those items here : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/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 2022-07-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I looked at my report and noticed that there are many inquiries listed that I did not recognize or authorize. 
I will list those items here : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, Experian Business Credit on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, Car XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/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 2022-07-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I looked at my credit report and noticed some inquiries that I do not recognize or authorize. These items are not mine and they are pulling down my credit score making it very difficult to obtain new credit. I will list them down below : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Experian XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have also filed a ID theft report that I will be attaching to this complaint.

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance to the Fair Credit Report Act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance to the Fair Credit Report Act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
RE : Specialized Loan Servicing Unfair practices I have a mortgage with SLS nearing the end of contract. The remaining principal balance is under {$850.00} with an escrow account balance just below {$800.00}. SLS sent an electronic statement requesting {$1400.00} due on XX/XX/2022. A payment for {$1500.00} was sent and documented by SLS as received as of XX/XX/2022. As of XX/XX/2022 this payment has not been applied to my account. Additionally, now a late fee has been added and my account is now labeled as delinquent for a payment they refuse to apply. 

When SLS was questioned to this matter they stated that I needed to get a payoff quote and send the money by certified funds or a wire transfer. The balance they are requesting according to the letter is XXXX. This is ridiculous since they have {$1500.00} right now that they are stating they are going to sent back to me. 

I will be going to the bank and sending them what they request the way the letter says. ( including the late fee and additional interest now accrued ). I just think this is ridiculous as I was just paying my mortgage as requested and now am being treated as though I am some sort of deadbeat. 

I wish to carry this complaint as far as I can. I can only imagine how difficult it must be for those struggling to pay their mortgage dealing with SLS every month.

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 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I went to XXXX Florida XXXX XXXX XXXX with internal pain and vomiting. I received care from the physicians, but was incapacitated - I do not remember the physicians name. I stayed for about 4 hours or so before being discharged after tests were ran and found that I had a XXXX XXXX. I gave my insurance information while I was XXXX XXXX, so it is hard to remember also, but the XXXX billed my insurance correctly. I received a letter in the mail XX/XX/XXXX that was forwarded from my mailing address from Radius Global Solutions stating that I owed XXXX XXXX XXXX XXXX XXXX in XXXX XXXX for $ XXXXThis claim is not on my insurance claims - my primary insurance company has no record of this being processed. I only received one claim from that visit, from the hospital themselves, and none from the physicians from my end. I called my insurance provider and we walked through the issue with the hospital, who had both claims on file ( the hospital bill and the physicans bill ) and said both amounts were paid in full. The hospital processed my bill against my insurance, but the physicans did not use the information I gave them and must've found a separate insurance under my parents since i'm young and processed it through there- the debt collection agency is stating that the bill DID go to insurance, I just have no way to confirm if this is true since they did not bill the insurance I gave them. Additionally, the hospital states both bills were paid off so i'm unaware as to how I still owe any money.

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 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was purchasing a camera off of XXXX XXXX for {$2300.00} on XX/XX/18. I make the payments through XXXX but lost contact with the seller afterwards. I contacted the company regarding this, but no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Reference number XXXX I have a Chase Freedom credit card for few hours and I have a good credit history. Chase sent a message various times I am pre-approved for CHASE SAPPHIRE PREFERRED card. I have applied online with all the details, chase team has pulled hard credit inquiry and not processed my application. When I called them they asked me to submit the date of birth and address proof documents. I have asked mode of document submission and they have given me an option to submit through Chase mobile app " Secure Message Center. I had submitted my documents within one month range of application submission and also I got a confirmation from XXXX XXXX [ Chase email Servicing ] AOC : XXXX phone # XXXX on XXXX at XXXX. No action from Chase team again I called them, and they asked me to submit the documents at Chase bank branch. I had submitted documents to Chase bank on XXXX to XXXX to fax at XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX I have called the Chase team again and they told me we have not received any documents and denied the application. I need justice why Chase team has wasted my time and why they denied my application though I have submitted my documents? Unnecessarily I lost my valuable time and it impacted my credit report/score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
regarding account as follow XXXX XXXX auto account XXXX has violated my rights is in clear violation of the law, 15 USC 1681 section 602 A states i have the right to privacy. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the writing instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report. Also violation 15 USC 1681e whenever a consumer reporting company prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: NY

Complaint narrative:
regarding account as follow XXXX XXXX auto account XXXX has violated my rights is in clear violation of the law, 15 USC 1681 section 602 A states i have the right to privacy. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the writing instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report. Also violation 15 USC 1681e whenever a consumer reporting company prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: New Era Asset Management, LLC
State: SC

Complaint narrative:
On XX/XX/2022 New Era Asset Management LLC first contacted my employer before they contacted me about a debt that was settled three years ago and then they ran my credit as a hard quarry without no permission before the Company bother to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld system XXXX has accessed my credit report without proper notice and or cause. I have never done business with them and have asked for validation, verification and signed contracts none of which has been provided to date. I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation