vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023, TransUnion acknowledged receiving my information and dispute letter, but they declined to investigate the matter, alleging that I had engaged a credit repair company. I have endured months of mockery from TransUnion, and I am reaching a point of extreme frustration. My consumer rights are being violated, and I am seeking guidance on how to assert my rights and address this recurring problem.

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 2023-06-11 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: FL

Complaint narrative:
I am a natural person, i am a living human be

ing, I have right under 15 usc 1681. Equifax is govern by 15 usc 1681. And they violated my right numerous of times. I demand listed below to be removed because According to 15 usc 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Collection Agency XXXX XXXX Inquiries 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 non-monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
Everything I miss a payment they call me repeatedly on Sundays every hour. Plz do not contact me on Sunday as this day is XXXX 's day for me. They have called me 5 times today on XXXX XXXX XXXX  starting aXXXX XXXX XXXX and call me on every hr.

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 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
I was exploring the option of having an account with this XXXX XXXX that calls themselves under the name Current because they offer a Visa debit card which pays Cash Back rewards. So I installed their XXXX app on my phone so I could see what their cash back rewards offers would be. I did not find them suitable to me so I uninstalled the app from my phone. Now there are three completely fraudulent unauthorized transactions at {$10.00} each for a total of {$30.00} from this company against my checking account. They do not even provide a phone number to call, all they give you is an email and then you have to contact them and sit there and wait. I reinstalled the app so I could try to contact them that way and all I could get was a message saying your account has been deactivated with a form to send feedback to support and when I tried to contact them that way the app says " something went wrong '' and then just sits there and does nothing. I never authorized this company to make any transactions against my checking account whatsoever, I don't even know how they got my checking account information because I never gave it to them! To me this is a criminal act of fraud! The money was all taken from my account on XXXX XXXX XXXX  in three transactions of {$10.00} each totaling {$30.00}. I don't know how else to contact them but this is the URL of their official company website.. 

https : //current.comXXXX On their website they claim that Current is a financial technology company, not a bank and that their banking services are provided by XXXX XXXX XXXX XXXX Member FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/ and prior not sure exact date in XXXX. I filed a dispute to all three credit agencies regarding incorrect information that is currently being reported on my credit report. Two of the three credit agencies corrected the information besides Equifax. I filed two disputes along with supporting documentation to Equifax and XXXX stating that the balance is XXXX and I personally closed this account myself. Equifax updated my credit report stating the information is correct. Which it is incorrect because I have paid this account off since XXXX and I closed the account in XXXX. I sent them a XXXX balance statement and also a letter from XXXX stating that this account was closed. Equifax refused to update my credit report and its hurting me to get future credit at a better rate. 
The account currently showing on my credit report is : XXXX XXXX Account # XXXX balance {$1500.00} and it still showing open. The last reporting data was since XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  is a closed account that was paid in full and is still reporting late payments XXXX, and XXXX. 
According to the Fair Credit Act this illegal under. I have written three letters to get this account updated or removed and account still shows on my personal credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is a closed account that was paid in full and is still reporting late payments XXXX, and XXXX. 
According to the Fair Credit Act this illegal under. I have written three letters to get this account updated or removed and account still shows on my personal credit file.

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Filed disputes XXXX  years ago something happened to that they deleted my residence off the account to much activity my life is in danger

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to raise a serious concern regarding the services provided by Synchrony Bank . My complaint centers around the wrongful application of a promotional financing period to my account and the absence of financial statements in my online portal. 

In XX/XX/XXXX, I agreed to a promotional financing period with Synchrony Bank, expected to last until XX/XX/XXXX. Regrettably, the bank initiated this period two months earlier than agreed, thereby shortening the duration I was promised. This unexpected alteration has caused financial strain and a clear violation of our agreement 's terms. 

Additionally, I have not received any financial statements related to this account, nor can I access them through my online portal. The absence of these crucial documents further exacerbates the issue, preventing me from fully understanding the implications of the changes made to my account. 

I have made significant efforts to address this issue directly with Synchrony Bank. I have spoken to several representatives, namely XXXX ( Employee ID XXXX ), XXXX, and XXXX, but my concerns remain unresolved. 

I respectfully request the CFPB to investigate this matter. My expectation is for Synchrony Bank to honor the original terms of our agreement, adjusting my promotional financing period correctly, and reversing any additional charges incurred due to their error. Furthermore, I seek assistance in obtaining access to my financial statements, either through postal delivery or via my online portal. I don't even have access to an account number, XXXX is all I have. 

Thank you for your attention to this matter. I trust in the CFPB 's commitment to consumer protection and look forward to a prompt resolution that will restore my faith in the banking sector. 

I have also attached a picture showing my account and a lack of statements that specify any terms.

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 2023-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I had XXXX XXXX  conduct a balance transfer. They send the funds via wire to Synchrony bank. True XXXX the funds cleared XXXX and when I called Synchrony to verify their receipt they said they had not received it. 

They conducted an investigation and gave a temporary credit while they researched. XX/XX/XXXX the funds appeared and then on XXXX they removed the credit of {$3700.00} and then again on XXXX they removed it again. This canceling out my payment. But Im the process they showed I was negative on my available credit. 

I called and emailed multiple times including speaking to a manager and no resolution has been made. I was told to weight 48-72 hours and the funds would return. It has been almost a week and it has not corrected itself as they stated Due to their negligence in handling my funds and reporting to the credit bureau. They have stolen almost {$4000.00} of my money and damaged my credit due to their negligence. 

See attached document for the double reversal that took {$3700.00} from 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 monetary relief
Consumer complaint received 2023-06-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires resentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific concrete F. C.U. v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( XXXX ), XXXX XXXX XXXX XXXX XXXX ). Fooks v. Norwich Housing Authority 28 Conn. L. Rote. 371, ( XXXX XXXX, XXXX ), and town of Brookfield v. Candle wood Shores Estates , Inc. 513 A. 2d 1218, 201 Conn. i ( XXXX ). And Solon v. Godhole, 163 III. App. 3d 845, 114 III. Dec. 890, 516 N. E. 2d 1045 ( 3 Dist. XXXX ). UCC 9-201- Request for accounting. F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for 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 2023-06-11 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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.

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 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/23 I notified Chase bank that my wife passed away on XX/XX/23 and I was there to close her accounts. I provided them with a death certificate and was told I was not a beneficiary on her accounts. As instructed by an attorney, I filed an application of surviving spouse for refusal of letters with the circuit court in my county. It was granted. I submitted that document to Chase bank in person on XX/XX/23. I was told I would be followed up within XXXX. That never happened. I called the bank manager on XX/XX/23 ( XXXX MO ) and was told the matter would be escalated. I was not contacted. I submitted a demand letter to Chase bank on XX/XX/23. I still have not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: Colony Brands, Inc.
State: NC

Complaint narrative:
Upon checking my credit report in early XXXX of this year, it came to my attention that Monroe & Main listed a very old account as past due. I had no knowledge that this account was still open let alone used for any purchases. It was only {$150.00}, so I decided to pay the balance and asked Monroe & Main to close the account indefinitely and to remove this account from my credit reports so in exchange for the full amount due. They did accept the payment ( XXXX  ), but refused to honor my request to close the account and remove it from my credit reports. 

In accordance with the Fair Credit Reporting act Monroe & Main 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I contacted an account under the name of " XXXX XXXX '' on XXXX on XX/XX/2023 to purchase a concert ticket to a XXXX and XXXX concert ( performing in XXXX on XX/XX/2023 ) for {XXXX The seller led me to believe that they were trustworthy and told me that they would transfer me the ticket on XXXX after I sent them the {XXXX} over Venmo. They asked that I send the money to their " sister '' on Venmo under the name XXXX XXXX, with account name XXXX XXXXXXXX. I sent the seller the money over Venmo, sent the XXXX user a picture of the confirmation, but I never received the ticket. The scammer blocked me on XXXX, deleted their XXXX account, and later deleted their Venmo account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11 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: GA

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I XXXXXXXX XXXX XXXX I was told by XXXX  Acceptance that I needed to make XXXX car payments in XXXX, and XXXX car payments in XXXX to bring the account current, and XXXX the vehicle from being repossessed. Which I did. On XX/XX/2023, I went online to make a payment of XXXX and the online system declined my payment. I sent an email to the representative I had communicated with in XXXX to let her know my payment wasnt being accepted. There was no response. I attempted again on XX/XX/XXXX, and the system again declined my payment. On XX/XX/XXXX, I telephoned and the representative stated she was unable to see an account for me. She transferred me to another department and they informed me that my account has been in repossession status since XXXX and that I needed to make a payment of {XXXX to keep my vehicle. I explained that I had made XXXX payments between XXXX and XXXX and could only afford XXXX months payment at the time and was told that was unacceptable. The representative then went on to belittle me and tell me it is not the companys responsibility to help me manage my account. I explained that I understood that and he continued, telling me to calm down and stop yelling and over talking him or he would end the call. I ended the call as it was a moot point to continue the conversation since I did not have XXXX to pay. 
This situation is causing me great stress. I am finally on my feet financially since losing my job before the pandemic and this sub prime lender is taking advantage. I can not refinance the vehicle as the balance is XXXX  and the blue book is XXXX If they would like the vehicle, I will turn it in. However, the condition would be that payments received to date would bring the balance to XXXX paid in XXXX and not attempt to collect the outstanding balance would be attempted. I also would like all reports regarding this vehicle removed as it is illegal to report me to any credit reporting agency or bureau since they are not a subsidiary of XXXX according to the XXXX XXXX XXXX XXXX. I would also like an itemized statement of my account to show payments and fees.

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 2023-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX is a closed account that was paid in full and is still reporting late payments XXXX, and XXXX. 
According to the Fair Credit Act this illegal under. I have written XXXX letters to get this account updated or removed and account still shows on my personal credit file.

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 2023-06-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This vehicle was paid in full. No late payments and should not be showing any negative marks on my credit report. This vehicle was sold and has had no connection with me since XXXX  Therefore the 3 credit viewer should not be reporting this negativity on my credit poorly.

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 2023-06-11 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: NV

Complaint narrative:
XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account 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 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 more than 7 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