vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Incorrect payment status for all accounts involved and attached on this letter. It is stated that this account has not satisfied the debt but you have been refusing to investigate. I will be seeking legal assistance due to noncompliance and per 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, theres multiple deviations, deficiencies, inaccurate information and unauthorized information listed on my credit report. It has been 9 months and there has been no any response to my previous request to validate the debt. Invalid account numbers and asterisks dont match or corresponds to the accounts involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern. 

I wish to file a complaint against XXXX XXXX XXXX XXXX for reporting false information on my credit reports. They state that I owe a debt to the Creditor ( XXXX XXXX XXXX XXXX XXXX. 
I have sent them a validation letter for the to prove that. 
XXXX. I am the rightful owner of this debt by sending me the Original Contract with my original signature, the name, address and telephone number of the Creditor, the full payment history of this account with all the payments made, and proof that they are authorized by the Creditor to collect this debt. 
All I received from XXXX XXXX XXXX is photocopies. All they did is tried to falsify the paperwork. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX XXXX to find out if XXXX XXXX XXXX is working with them, and I was informed that this debt collection agency is not working with the Creditor.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern. 

I wish to file a complaint against XXXX XXXX XXXX XXXX for reporting false information on my credit reports. They state that I owe a debt to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have sent them a validation letter for the to prove that. 
XXXX. I am the rightful owner of this debt by sending me the XXXX XXXX with my original signature, the name, address and telephone number of the XXXX, the full payment history of this account with all the payments made, and proof that they are authorized by the XXXX to collect this debt. 
All I received from XXXX XXXX XXXX is photocopies. All they did is tried to falsify the paperwork. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX XXXX to find out if XXXX XXXX XXXX is working with them, and I was informed that this debt collection agency is not working with the Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have been running late on some of my payments XXXX Santander I calling me on Sundays telling me they are a debt collector I asked them to stop calling me on Sundays and they still continue to call I have never missed a payment with them its been late several times but not more then 29 days late they still continue to harass me. I called them to see if I can skip a payment however they said the loan is not old enough I also asked if we can change my due date and the would not help with that either. They are also charging me over 20 percent interest on my auto loan and late fees if the car payment is not paid on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My Capital One card Visa had a {$50.00} fee charged for reissuance of two tickets from XXXX at the request of XXXX XXXX when my husband made telephone inquiry. When I tried to dispute the pending charge at Capital One I was told I can not dispute a pending charge by automated answer. 

Next XXXX answered differently after my objection and stated it was from their contract ( one sentence buried in terms and conditions at the end ) .which only arrived with the tickets. Surprisingly, changes in two flights for two people by XXXX XXXX earlier did not bear these up to {$75.00} per person charges. These changes are for even a few minutes I find now from the web. I contacted Capital One today XX/XX/2023 and a man told me I agreed to the charges and could not dispute them. It took him possibly 60 seconds or less to conclude this by contacting XXXX. Capital One heard none of my facts. 

I believe that XXXX is running a scam and possibly targeting XXXX XXXX since it has so many XXXX customers who are more language challenged in some cases. I was not permitted to explain the facts I have mentioned here to Capital One ; Capital One being a major card for the promotion of travel with cash back for travel and favorable overseas purchasing terms might have listened to these facts and asked a few questions. Aggressive emails saying you face risks with your tickets if you do not reconfirm for a change of a few minutes are used to manipulate the customer into these exorbitant and unnecessary charges. 

I wanted Capital One to get me a new credit card number and I would even have paid my bill to get a new number to protect myself from this vendor. Capital One said that I could not get a new number because this is not fraud. I believe that there is a lot of intentional deceit of the customer in pressuring them to reconfirm an airline ticket for a few minutes ' change in a schedule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: GA

Complaint narrative:
I have informed Discover Bank on several attempts to dispute the fraudulent charge from XXXX XXXX XXXX XXXX Amount {$570.00} Dispute # XXXX and XXXX XXXX XXXX XXXX CO XXXX {$160.00} Dispute # XXXX. They have disputed it and reversed the charge and charged it back to my account over XXXX without providing the consumer ( myself ) the validation of the allege fraudulent charge with XXXX nor did they provide proof of allege debt for XXXX XXXX as this was not fraud but the services was not rendered nor performed as they did not let customers through to catch flights due to the long line and short staff. 

Discover even went as far as providing a new card due to the agent charging me without my consent/notification all to place the charge {$570.00} back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: Marlette Funding, LLC
State: NV

Complaint narrative:
I notified Best Egg of their violation of my consumer rights and requested that they correct their improper reporting of my account with them. They sent me a response informing me of their refusal to comply with consumer law and in their letter to me, they claim that their written agreements and policies shall remain enforced regardless of what my rights are or what the law says. 

They are in direct violation of FCRA 15USC 1681a 2Ai and 5. 15 USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Hello, the primary complaint is as follows : XXXX. I started a small business account many years ago. 
XXXX. The business account was not utilized a lot and thus we accumulated a lot of monthly fees. 
XXXX. We always paid the fees, etc. but ultimately without me asking, Wells Fargo closed the account, I think early in 2022. 
XXXX we received a check for the residual amount in the account in XX/XX/2022. 
XXXX the check was made out to the business account that was closed. 
XXXX. Since they closed the account they would not cash it. 
XXXX. I went to the bank on several occasions, and ultimately again today trying to find a solution. The amount of the check was small XXXX and so not worth a lot of my time, but the Wells Fargo bank branch turned me away. I asked to speak to a XXXX and they said they could not do anything. The gave me a number to call and I called this number and they passed me to another number and then passed me to another number. 
XXXX. The last call was with someone in the small business area that sends out checks. They told me the only way to do this is to go to the branch where the account was set up. 
XXXX. I have about XXXX hrs in on trying to get the check re issued in my name or cashed but no one can help. It is not worth my time and energy but on the other hand if this is the practice of the bank, they are making money off of this. strategy.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
Last month I filed a complaint here against Sun Loan Company regarding their reporting of this account onto my consumer report. 

Sun Loan claims they have received XXXX indirect disputes and have correctly responded to all of them within 30 days. 

I disagree, I requested XXXX to provide my full file disclosure and I need only information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. 

On my reports, there is contradictory, incomplete, and incorrect information. 


The company responded claiming XXXX XXXX bought the Debt XXXX, XXXX 2020 ( Attached ) I sent this letter off to XXXX XXXX. 

XXXX XXXX that they bought the Debt XXXX, XXXX 2020 NOT XXXX, XXXX 2020 Sun Loan also claims theyre not responsible for the credit reporting and that XXXX XXXX is responsible. 

Well, XXXX states that theyre not furnishing this account to the credit reporting agencies. ( Attached ) It appears you ( SUN LOAN ) continue to lie to me and now youre lying to your boss. ( CFPB ) Please be reminded of : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
Someone " located '' in Texas, opened up several utility accounts in my name, i.e. XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX ( that I know of at this time ). Since I was unaware of these accounts, they ended up in collection. I was a victim of identity theft and these and any further accounts need to be removed from my credit files.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I been having trouble freezing and unfreezing my security freeze online its been like this XXXX weeks or more now and XXXX having trouble seeing my updated credit score Ive contacted Equifax twice and nothing has been done to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX 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.

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 2023-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I purchase a new vehicle ( XXXX XXXX XXXX # XXXX ) and financed with Chrysler Capital who turned out to be entier nightmare for my entire Lease and the last 6 months of my Lease, I was given inadequate statements reflecting the wrong amounts which also conflicted with their online platform payment amounts. I called repeatedly and spoke to representatives and supervisors to provide me with the correct amount and was assured every time that it would be corrected and was provided a different amount but that it was the correct amount to be current. But despite me providing the amount that I was given, I was still marked late and I would have to call back the following month to get the issue resolved again or at least I thought. After months of this back and forth I cried to a representative of how this is ruining my credit history and she explained that for some reason the payments were being inputted wrong in their system and was being applied to the interest but not the principal and therefore making me short and then the system would report me late on my payments. I asked if this problem could be reported nad fixed and nothing was ever done and in fact the nightmare would appear the next month. Finally in XXXX the nightmare ended when my Lease was over and I also had to pay close to {$1000.00} to end my Lease but the worst part is that it ruined my credit as they furnished late payments on my credit report and sent it to other consumer reporting companies. It has been years but this still has ruined my credit which was by no fault of mine but of their numerous systemic errors that they knew of these inaccuracies and never made an attempt to fix them. When Chrysler Capital furnished inaccurate negative consumer information to XXXX, XXXX and XXXX it negatively affected my access to credit and purchasing a new home with a competitive interest rate. Chrysler Capital violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by failing to promptly update and correct information it furnished to consumer reporting companies even after all my phone calls and repeated disputes. They continued to furnish inaccurate and incomplete information and to modify or delete information that I continued to dispute. They need to be held accountable for their inaccuracy and integrity of information provided to consumer reporting companies. These FCRA violations also constituted violations of the Consumer Financial Protection Act of 2010 ( CFPA ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prizm Financial Company, LLC
State: OH

Complaint narrative:
On XX/XX/2023 Prizm Financial ( The Lender ) sent a repo agent to my home to pick up my vehicle that was at that time still within the 10 day grace period. The agent stated it was for no insurance, so I sent proof of coverage and the repo agent was told that it was ok to leave the car. 
The Lender ( Prizm Financial ) never re-took possession of the vehicle ; however, they have charged a repossession fee of {$440.00} to my account. When I made a payment on my account today, I was told I still had a balance of over {$500.00} which was due now and was already 11 days past due. ( This is because they are trying to collect the repo fee instead of adding it to the timed balance of the loan ) per Ohio repossession laws. 
My complaint is, lenders and repo agents can usually charge a repo fee if they come into possession of the vehicle ; however, this did not happen. My account should not be {$440.00} past due for a repossession that never happened. Also, this is showing on my XXXX report as a repossession and has dropped my score drastically. This needs to be corrected in their system so that my credit report is also corrected. 

Lastly, I have waited for three weeks for documents that I have requested from several employees which was never emailed nor mailed to me. 

Please resolve the repo fee issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: GA

Complaint narrative:
Incorrect information is being reported to my credit profile and I have proceeded with the proper steps to resolve this issue. I need the items removed form my credit report asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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:
i am unable to open bank accounts i am unable to get approved from credit cards i am unbale to apply for my new apartment i need help removing inquries on myu cedit report

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