vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Called to complain that the site/payment platform and options a ) did not work reliably to process or post a timely payment and customer service suggested paying through an intermediary instead. 
b ) system considers payments " late '' based on XXXX XXXX XXXX unfairly to XXXX XXXX customers AND ; c ) effectively CHARGES AN LATE FEE on the SAME DAY the payment is due if after " XXXX ''. 
d ) In addition the late fee seems to be the same amount or nearly the same as the payment that was due. Also exceeding the comparative interest on the whole amount. 
e ) the following month they have raised the minimum due ( irrespective also wanting the late fee charge ) to DOUBLE the 'minimum paymnt due ' the prior month. 
Example - This month it now says the XX/XX/XXXX payment is XXXX $ - I explained all this and requested relief and was told they would request it be reviewed to credit it. I WILL NOT pay the increased amount or the Late Fee. It is not fair and i don't care to be treated this way. 
Thanks

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 2022-05-22 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX and the IRS pass my SS Number on to people that shouldn't have had it iI have an extended fraud alert on my file with NO PHONE NUMBER. I CAN'T EVEN GET A CREDIT CARD NOW. Transunion is clueless in how to fix it and XXXX won't help me either.

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 2022-05-22 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: Park Hill Holdings
State: NC

Complaint narrative:
We were denied a housing application after incorrect information was on my credit report due to identify theft. I called to see what were the steps to dispute, I was notified to do an id theft suppress and for them to dispute the information with the courts. It has been over three weeks, when I was told that the id theft suppress would take UNDER four business days. Again, it has been three weeks. The same information was disputed through real page, and their investing only took one week compared to saferent solutions.

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 2022-05-22 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # 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 bankruptcy dismissed # 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 non-monetary relief
Consumer complaint received 2022-05-22 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:
In accordance with the Fair Credit Reporting act XXXX  Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy dismissed # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The attached PDF is a complete history, summary of current state and each hour and date that passes is greatly hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XXXX Report : Bill was never submitted to insurance even though insurance information was provided to hospital. Additionally the amount owed is {$22000.00}. The collection agency ( Rash Curtis ) has ballooned it to {$35000.00}, stating interest has been accumulating. Yet other hospital bills with other collection firms/companies have never charged interest fees. Responsibility lies with the hospital and insurance. Someone needs to investigate Rash Curtis for bullying tactics with harassing phone calls, pressure tactics as well as personal threats. 

On the XXXX report they have bumped the total yet again, to {$35000.00} and added another False claim that a separate charge of {$50.00} is still owed to the same hospital and has bumped that total to {$75.00} with no information provided as to why. 

XXXX report is {$35000.00}. Again this collection company is making up whatever total they want and stating its related to interest charges. I no longer have this particular insurance coverage/plan that was used for this hospital visit as I have changed jobs since then. 

Balance incorrect. Collection agency violating the Fair Debt Collection Practices Act with unfair practices and forging multiple debts. As well as Harrassment and Abuse. They also did a hard inquiry on my XXXX report which said I applied for credit with them, which is false. Again, this is false information and should be removed from my hard inquiries. I did not apply for credit with them. 

Rash Curtis has raised the balance w/o my at consent. Additionally, it seems only their false statements and falsified cost increases are accepted as truths while my information is discarded altogether. The shear amount of harrassing phone calls put so much stress in my life, that quality of living was affected. They called day and night, changed phone numbers over and over again. All while I gave them the same information ... .that the bills need to be submitted to insurance. Additionally, I spoke with the hospital in question to please file with the insurance company/info they obtained from me right from the get go. 

The personal threat of suing me over these medical bills was enough for me to have full on panic attacks. I have recently applied for a home loan and was denied at 1 lenders office due to Rash Curtis and bullying tactics. They also said as long as they legally can stay on my credit reports they will continue by all means necessary as well as continuing to obtain the unpaid debt including suing me. 

There are to many dates to list them all here. I pray that this mean, horrible collection agency and or dirty lawyers be brought to justice. I can't be the only one who has had these types of experiences with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporter act XXXX accounts 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 has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 604 a section 2 can not furnish my account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I bought a card from the XXXX XXXX on XX/XX/2022 at XXXX and I tried to create a account that way I can set everything up and it say they can't authorized for me to create a account. There is {$54.00} on the card. And I really need to use the card. They took {$7.00} off my card for no reason and I want my money back. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-22 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: FL

Complaint narrative:
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

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 2022-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 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 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 2022-05-22 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: Sunset Management, Inc
State: SC

Complaint narrative:
I did not authorize XXXX XXXX  to pull my personal credit score 10 times, they were using my social to verify my identity not put XXXX point decrease on my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
I did not authorize XXXX XXXX  to pull my personal credit score 10 times, they were using my social to verify my identity not put XXXX point decrease on my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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:
Experian used my credit inproperly by telling other credit bureaus that my credit was reporting late payments and also accessing my credit score without my knowledge being locked and my account has been locked since I been reporting has been used improper XXXX  to companies making them close accounts of all my creditors and I been paying on time with accounts are all coming out of my accounts. Experienced has contacted all three credit bureaus and told then I paying late on my accounts and they are not late at all. They has been fraud reported on my account in letting people access credit in my name and I locked my account and always be ; locked but every time it shows someone tried to get credit in my name. There has been reporting wrong to all credit bureaus tha5 my account is not paying on time and that is a big lie! All my accounts are paid on time and they had other credit accounts closed on my account according to all my creditors and they all had told me like XXXX  XXXX, XXXX,, XXXX  XXXX, and many more and it shows o paid them on Time and my account has been compromised by experienced with lies and things that are wrong to other credit bureaus all had told me that expertise contacted them like XXXX and XXXX both told me that experience reported to them my accounts are XXXX and they are not made them closed all my accounts paid o t8me.

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 2022-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I have not supported proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX  bank # XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX Experian XXXX XXXX has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions 15USC 1663 : A creditor may not treat payment on a credit card under any open end consumer credit plan as late for any purpose.

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 2022-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
i do noy OWE them XXXX dollars they are inaccurately reporting a debt that has been paid over 4 years ago please validate this debt or delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
they are showing a balance of XXXX that is inaccurate please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: FL

Complaint narrative:
Kindly delete XXXX  XXXX XXXX from my credit report immediately due to your violation of section 611 ( c ) of the Fair Credit Reporting Act which clearly states Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' Kindly see file attached which is a copy of a credit report which I received which is dated XX/XX/2022 which has the above mentioned violation. 
I previously got a credit report dated XXXXXXXX XXXX,2022 which had the same violation and I have already filed a complaint about that already. 
No where on the credit report is it mentioned that I have disputed the accuracy of the XXXX  XXXX XXXX account that is reporting on my credit report and this is a clear violation of the Fair Credit Reporting Act. 
Failure to delete XXXX  XXXX XXXX from my credit report will result in me taking legal action to recover damages under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
capital one bank shows i owe them XXXX this account was paid in full inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
On or around XX/XX/2022 I received attached letter having file number # XXXX from TransUnion dated XXXX/XXXX/2022, which appears to be a delay and stall tactic. My research shows me the CFPB and Federal Government has sued the credit agencies for the exact actions, and the law says the credit bureaus must honor the consumers requests regardless if it does comes from third parties. Please take notice I do not understand the letter, nor do I consent to any delays and or stall tactics. TransUnion I respectfully REQUIRE you to honor my notices and letters sent to you by USPS CERTIFIED MAILINGS immediately and remove all inaccurate, incomplete accounts not 100 % percent accurate and as mentioned in your letter " process my requests ''. I sent you the notices, and I am the author! Please CEASE and DESISTS violating my consumer rights. Thank you.

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