vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This account was included in my XXXX  XXXX bankruptcy that was discharged back in 2021, but the company failed to remove it from my XXXX XXXX XXXX  report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have concerns regarding my credit report that needs immediate attention, this complaint is not a mistake nor sent in error. I found out that there are inaccuracies on my credit report and it is stressing me out, these errors are affecting my life and my credit score negatively.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against Ally Financial regarding their handling of my auto loan. The issues with this loan include predatory lending practices, failure to resolve disputes, and improper handling of my account. 

Background and Issues Violation of Contract Terms The contract includes an arbitration agreement that prohibits the sale of the account to third parties without arbitration. By selling the account to XXXX XXXX XXXX, Ally Financial has breached this agreement. This action is in direct violation of the terms outlined in the contract and undermines the legality of the contract. 
Failure to Release Title Despite the alleged balance of {$1300.00}, Ally Financial 's refusal to release the title of my vehicle after the account was transferred to XXXX XXXX XXXX is unjustifiable. According to the Federal Trade Commission ( FTC ) Act, it is illegal for a company to engage in unfair or deceptive practices in any aspect of commerce. The continued withholding of the title, despite the sale of the account, violates my rights under the FTC Act. 
Reporting Violations Ally Financial continues to report the account to credit bureaus despite transferring the debt to a collection agency. According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information. The continued reporting of the account after its transfer is inaccurate and misleading, violating the FCRA. 
Predatory Lending Practices The terms of the loan, including the high Annual Percentage Rate ( APR ) of 7.84 % and exorbitant finance charge of {$8600.00}, reflect predatory lending practices, which exploit consumers. Such practices are prohibited under various federal and state laws designed to protect consumers from unfair and deceptive financial practices. The down payment did not leave the dealership, which constitutes an illegal practice. 

The balance of {$1300.00} is unjust, and I am prepared to pursue legal action, which will likely result in significantly higher costs for Ally Financial. The legal fees alone will far exceed the current balance, not to mention the potential damages and penalties that may be awarded due to Ally Financials blatant violations of federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Exeter Finance regarding their handling of my auto loan for a XXXX  XXXX XXXX, account number XXXX. The issues with this loan include predatory lending practices, excessive and potentially illegal finance charges, and failure to resolve disputes appropriately. 

Background and Issues Excessive and Predatory Finance Charge The finance charge on my loan was {$26000.00}, which is higher than the amount financed for the car, which was {$23000.00}. This finance charge, when combined with the Annual Percentage Rate ( APR ) of 28 %, is exorbitant and indicative of predatory lending practices. It is unreasonable and unjustifiable to charge such an excessive finance charge, especially when a co-signer with good credit was involved in the loan agreement. 
Potentially Illegal Down Payment Practices The contract indicates a down payment of {$5000.00}, which is said to include a trade-in allowance. However, there are inconsistencies and potential illegal practices regarding this down payment. Specifically, it appears that the down payment may never have left the dealership, suggesting deceptive practices to inflate the loan amount unnecessarily. 
Violations of Usury Laws While I understand that Georgias usury laws allow for certain higher interest rates on larger loans, the combination of a 28 % APR and a finance charge that exceeds the amount financed significantly violates the principles of fair lending. This is especially concerning given that the co-signer should have provided additional security, typically resulting in lower interest rates. 

If these issues are not addressed promptly, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Department of Banking and Finance, and seeking legal counsel to explore further actions against your company for predatory lending practices and violations of state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Open end credit plan means credit extended under a plan in which a creditor may permit an applicant to make purchases or obtain loans from time to time directly from the creditor or indirectly from use of a credit card. 

According to XXXX it states any credit balance in excess of {$1.00} is to be credited to the account or as per request a check of the balcone be sent by mail within 5 business days.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Lexus Financial Services. End of lease of Car. Payment for purchase of car submitted on XX/XX/year>. Check negotiated on XX/XX/year>. Lexus advises receipt of same and deposit of check. And up to this morning it shows I have not paid and called me this morning and representative read from script trying to collect a debt and half way thru the call the rep said she see on the computer it was paid on XX/XX/year> and then continued to tell me I owed the last two payments and late fees. She said she had to tell me that and there is nothing she can do until it is updated on the account. This is my opinion is not a valid debt nor is it a valid debt collection proceeding and I request you investigate this and take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
On XX/XX/24 I received a crumbled escrow refund check payable to three successors on their account and who all live in separate states. I spoke to XXXX in their complaints department and was told rudely to sign the check and mail it to the others for them to so the same and cash it. However, banks require the physical presence of each person a check is payable to to be present upon cashing. She replied to this by saying each of has to send them a letter requesting individual checks of the evenly split escrow refund with a photo ID. 

I spoke to XXXX on XX/XX/24 and requested three separate checks because of the before mentioned reason and was told the individual checks would be mailed the next day. 

I think they are making this process more difficult than it needs to be intentionally because I have requested three separate checks multiple times from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: AZ

Complaint narrative:
Complaint Against Payward Inc. DBA Kraken Exchange Issue : Lack of Working Support and Unresolved Account Issues Details : I have experienced significant difficulties with Payward Inc. DBA Kraken Exchange . Specifically : Support Phone Numbers : None of the support phone numbers are functioning. Calls are either unanswered or met with prerecorded messages instructing me to use the chat function. 
Chat Support : Despite daily attempts to resolve my issues via the mobile app chat function, responses are generic and unhelpful. They include phrases such as " rest assured '' and " we will be with you asap. '' I have received no ticket confirmation or proof of my support requests for over two weeks following my initial ACH transfer. 
Account Verification : I received a template response asking for information I had already provided, including proof of residence and citizenship, weeks after my account had been verified. Despite submitting my passport again as advised by chat support, I have received no further communication. Additionally, my documentation was marked as " redundant '' in the upload section after review. 
Account Restrictions : My only interest is in purchasing cryptocurrency and transferring it to my private wallet. Initially, I was informed this would not be possible for 72 hours, but this period has now extended to three weeks without resolution. 
Request : If Kraken Exchange does not wish to continue business with me, I request that my funds be returned to my bank account and my Kraken account be closed. I have made three transfers totaling nearly {$1200.00} and have had no issues with other exchanges using the same documents and bank account. 

Conclusion : The lack of responsive support and unresolved account issues are unacceptable and feel akin to theft. I seek a prompt resolution to return my funds and close my account. 

Thank you for your attention to this matter.

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 2024-07-17 00:00:00
Product: Credit reporting 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 reviewed my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete & inaccurate. According to the Fair Credit Reporting Act ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
According to 15 USC 1681i 5 ; ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

In addition, according to 15 USC 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition.

( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

In accordance with the Fair Credit Reporting Act ; the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX {$7200.00} Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$3200.00} Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: MD

Complaint narrative:
On XX/XX/year>, I retained the services of ( COA ) Clear One Advantage, a debt consolidation company to consolidate 4 loans. They assured me that they would be able to work with my creditors and that I need not have any more contact with the creditors. Withdrawals from my checking account began on XX/XX/year>, in the amount of {$190.00} although the company had not secured any settlement agreements from my creditors. Two more withdrawals followed on XX/XX/XXXX and on XX/XX/XXXX in the amounts of $ {$160.00} and {$190.00} respectfully. COA was only able to secure a settlement agreement with one of my creditors of the four originally named. On XX/XX/year>, after constant harassment from the other 3 creditors so named in the consolidation, I cancelled the services of COA prior to the first scheduled payment to XXXX XXXX XX/XX/XXXX in the amount of {$160.00}. I was informed at that time that funds withdrawn from my account would be refunded to me within 3 to 5 business days following cancellation.

It should be noted that 3 creditors named in the consolidation claimed that they never received any settlement offers from COA and continued to contact me for payments. As a result, several of them lowered my credit limits on accounts for which I had 100 % pay on time reported on credit reports, and eventually suspended and or cancelled my accounts. On XXXX I contacted COA after not receiving the refund as it was 11 days since my last contact and still no refund. I was told by a representative that the account was showing as active. After speaking with a supervisor a day later, I was told that I was not being refunded, that they had charged me a service fee and moreover that I in fact owed them {$1000.00} in service fees. after filing a complaint with the XX/XX/XXXX, I was contacted by an Associate in Quality Assurance Resolution Division of COA on XX/XX/XXXX who has been attempting to have my money refunded to me. As of this complaint I am still waiting for that refund in the amount of {$510.00} which I was told today will be refunded by XX/XX/XXXX to my checking account. I have been informed that meetings have been held, and higher ups have been informed of the situation regarding my refund. I have been attempting to retrieve my refund since XX/XX/XXXX when cancelling the services of COA. I have since decided to file XX/XX/XXXX bankruptcy as this process has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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