vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I went to the XXXX of XXXX where I was in need a vehicle. While there I was told the only thing I could get into was a used car that was priced at XXXX or so maybe XXXX I gave a XXXX down payment and was put into a loan for XXXX. While at the dealer I had concerns about the vehicles operating conditions the motor had a tick the side mirror power motor was messed up which almost let me to get into a accident and a couple of other things. While knowing I just jumped into a XXXX loan I was told because the car was sold as is that I only had 3 days to fix any issues with the vehicle. When I left the dealer I took the car to a mechanic who told me that the pistons on the motor were done at that the vehicle was not worth getting into the next day which was day 2 of having the vehicle I took it back to the dealer where they did a check and told me everything was fine but that they would fix the side mirror. Not believing them I took the car to another mechanic who told me the motor was done as well after the dealer told me the 1st and 2nd day that the car was fine. For months I struggled with a car that drove with hardly any power and had a loud tick and was burning oil quicker then quick I wrote letters to the dealer made complaints to XXXX made complaints to XXXX with no solutions other then I had to take it to the same XXXX dealer that told me everything was good and Pay for a diagnostics out of pocket for them to do anything for me. In the end I was given a coupon for XXXX towards a down payment of a new car that I couldnt even use because my credit score did not allow me to have a new vehicle. The monthly payments were about XXXX the insurance was XXXX I was stuck with a car that would need a motor and a XXXX loan. I dont think that what was done to me was fair nor was it right I was taken advantage of and lied to and pressured into buying the car and believing that it was the right choice I also have XXXX kids that this car made me go into a financial hardship. The dealer was negligent after being tired of the car driving poorly I stopped making the payments and I volunteered to surrender the car where the loan company took 4 weeks to pick it up off the side of the road and they resold the vehicle for XXXX and left a XXXX remark on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: Netspend Corporation
State: NY

Complaint narrative:
I had seen a few unauthorized transactions on my skylight prepaid mastercard on XX/XX/XXXX in the amounts of {$500.00} with a {$2.00} charge as well, another amount of {$200.00} with another {$2.00} XXXX, and also another amount of {$200.00} with again a {$2.00} charge. All these transactions shown on the account label them as a ATM withdrawal in which I could not possibly make these transactions as at these times they happened which were literally a minute apart from each other I was at my place of work in XXXX XXXX XXXX XXXX Once I got notification of these transactions I called right away to the bank company to try and dispute these amounts. I had spoke to a representative and explained my situation, and then awaited a determination that would take couple weeks for them to to verify. On XX/XX/XXXX I had gotten there finished review of my dispute in which they denied me credit back into the card and read i would recieve a written notice in the mail with why the went against my dispute. These amounts taken from my account are not small and would take me a week of work to make and has caused me many financial burdens.

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 2022-11-26 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
THESE ACCOUNTS WERE CLOSED AND PAID - THE DEBTOR DOESN'T OWN THE ACCOUNT BUT AT SOMETIME OVER XXXX  YEARS AGO RE-ESTABLISHED CREDIT OR RE-OPENED THE ACCOUNT AND THE DEBT WAS CHARGED OFF. THEY THEN SOLD IT IN XX/XX/2019 BUT DID NOT INFORM ME. 
THE DEBT IS TIED TO AN ADDRESS IS NOT MINE AND A PHONE NUMBER THAT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Approximately XXXX my report was completed I disputed the negative incorrect inconsistencies item with XXXX XXXX XXXX as of XX/XX/2021 the amount an dates on this item is incorrect at the above date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I have a construction to perm loan with Ameris Bank. On XX/XX/2022, Ameris Bank, denied a rate lock highlighting that my employment status was : 1. unverifiable and that 2. length of employment was also unverifiable. The rejection letter also erroneously indicated a. ) serious delinquencies b. ) number of accounts with delinquencies and c. ) derogatory public record relative to my credit file ( see attachment ). 

As such, a rate lock which I was told would be honored until a XXXX of XXXX  for new build construction loan was obtained was denied. This immediately follows the decision to no longer honor the terms of previously approved 30 year construction to perm loan at a 4 % conversion rate. Ameris bank indicated that XXXX related construction and global supply chain delays are an insufficient basis to honor terms ; no interest payments have been missed. 

My credit score ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX ; I am employed and currently earn 20 % more than when initially approved ( see YTD earning ). Initial loan amount of XXXX after construction build out is now XXXX M ( per Ameris bank appraisal ). 

This is my primary residence and I have not missed an interest payment. The aforementioned actions taken by Ameris Bank materially impact my ability to maintain my home. Ameris Bank has provided erroneous credit and employment findings in an attempt to force a first time home owner into a predatory style loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-26 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: FL

Complaint narrative:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-11-26 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 did not authorize or sign for any of these inquiries and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681 ( a ), ( c ) 2 you must also complete this reinvestigation within 15 days of receipt of this letter.

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 2022-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I have been making loan payments on time until I got XXXX and had an issue with getting payments in due to the sickness. Made them aware and still got a late payment in XX/XX/2022. Then as I look on my credit report they closed the account and Im still making payments even though in XXXX and XXXX there were hurricanes being the issue and had to make a choose but when all was clear I still made the payments to bring it current every time and I have XXXX final payment of about XXXX dollars and they have not reported none of it but yet shows accounts closed when how is it closed when payments are being received and account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI Sears card ran offer of 15 % back on gas stations, grocery stores and restaurants up to maximum of {$90.00} for XXXX, XXXX and XXXX. I received the credits for XXXX and XXXX but not XXXX, despite receiving an email on XXXX XXXX stating I had accrued XXXX as of that date for the month of XXXX, yet I never received any of that credit which, by my own statement records would have been {$90.00} by the end of XXXX. Furthermore I called 3 times to resolve this and was treated with disrespect. The first manager said he would resolve it in 5-7 days and 3 weeks later still no credit. I called again and again explained the situation to the manager at which point with no warning he put me on hold where I waited for 30 minutes before giving up. This was rude and unacceptable.

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 2022-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
For over 1 year I have maintained a checking account with varying balances, a savings account with a balance of {$50000.00}, and an investment account with {$100000.00} at Wells Fargo bank in XXXX, Alabama. I never had transactions in my savings or investment accounts. On XXXX XXXX of this year I received a text message stating that an unauthorized withdrawal of {$3500.00} had occurred on my savings account. I later found out that several unauthorized withdrawals totaling {$13000.00} had already occurred. Wells Fargo restored all the money to my savings account and closed the account ending XXXX on XXXX XXXX. They transferred the outstanding balance to a new account ending in XXXX. They also allowed an unauthorized deposit that was pending from " The XXXX XXXX '' to be transferred to my new account although the agent at Wells Fargo told me that no deposits or withdrawals would be permitted to the new account without my personal appearance at the bank. I notified Wells Fargo that the deposit was suspicious and they sent the {$2000.00} deposit back to XXXX XXXX. They then proceeded to allow XXXX XXXX to withdraw {$2000.00} from my account without my permission or authorization, resulting in a {$2000.00} deficiency. Since that time Wells Fargo has exceeded the amount of time allotted for their investigation and failed to refund me the money that was lost due to their mismanagement. I transferred most of the money out of that savings account due to lack of confidence because a recent online survey showed that Wells Fargo is the worst bank in America.

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 2022-11-26 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-11-26 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: FL

Complaint narrative:
I did not authorize or sign for any of these inquiries and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec.1681 ( a ), ( c ) -2 you must complete this reinvestigation within 15 days of receipt of this letter.

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 2022-11-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: GA

Complaint narrative:
I've already sent out my dispute letters with proof that the credit reports were false and needed to be disputed between XX/XX/XXXX - XXXX. Unfortunately, Equifax is not doing a good job investigating because I specifically sent proof that it was taken off from other credit reports such as XXXX and XXXX. Even XXXX shows that XXXX of them was wiped and deleted from them recently. I don't understand why they can't just do a simple investigation instead of waiving it off like its nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with the credit bureaus, and noticed there are several inaccurate accounts, judgements and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened & severals inquires I did not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 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 explanation