vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On Friday XX/XX/2024 I noticed a series of unauthorized transactions on my account and did my due diligence and called my bank I was on the phone for over an hour I was transferred to the XXXX department who told me an investigation would be opened I then called back on XXXX  XX/XX/XXXX this time I was on the phone over XXXX minutes I was transferred to the disputes department who informed me there had been no disputes opened they then proceeded to open the disputes for me the next contact I had was an email saying they had restricted my account because they detected unusual activity and requested I call them which I did the call went through to the loss prevention department who informed me my account would be closed and I inquired about my disputes I was hung up on and then called back just to be hung up on XXXX more times on XX/XX/XXXX I received an email that the disputes were closed per my request I made no such request so on XX/XX/XXXX I called again the disputes department who reopened my disputes this bank has not followed the regulation e law at all first of all if my disputes had not been closed I would have received a provisional credit already but since the bank does not adhere to the law at all even if that had happened I would not have been able to access my funds they are openly violating my consumer rights and obviously dont fear any consequences in doing so I have no doubt that they will once again close my disputes and deny 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 explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have called at least 4 times since my mother 's passing trying to get the funds distributed to my brother the beneficary. Each time I have been told I had to be transferred to a trust divsion and they are too busy to talk to me at the time and they will call me. I have gotten no call back from anyone at the bank. I asked to speak to a supervisor, they also were too busy to speak to me. The address on the statement is going to a house that is no longer owned by my mother. I can not even get them to change the address of the statement so it is not going to someone who should have not access to her information. 

My mother passed on XXXX XXXX. I contacted the Sychrony Bank on XX/XX/XXXX and provided the documents requested for the funds to be distributed to myself and my brother. I was told my brother 's share was to be distributed to a trust for him, which I was aware of. I submitted all the paper work they requested at that time. 

I sent additional information that was requested on XX/XX/XXXX by fax as I was instructed to the attention of XXXX. No response and no action I called XX/XX/XXXX and was told I would be called by someone in the XXXX department I called on XX/XX/XXXX and was told I would be called by XXXX that same day. 

I have called today XX/XX/XXXX and was told again that the two people in the XXXX XXXX were very busy and they would call me. 
I have recieved no calls from the bank. NONE!!!!!!!! 

The value of the CD is {$11000.00}. My brother is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He needs these funds as he is on a limited income.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to 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 has reported late payments and has not mailed or delivered a periodic statements to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, XXXX, and Transunion have reported these late payments without verification and without my consent.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I purchased a new car with Ally Financial. In XXXX, XXXX, we went to make our first payment on the new car. Ally returned out money 4 times. We tried calling, talking to them, sending in the payment it it kept getting returned with no explanation. After the 5th attempt, they said we were attempting to pay online incorrectly. Nothing was wrong with our method of payment, the money was there and somehow it was rejected on our first payment. Ally claimed we needed to set up a profile after our 5th attempt.

This has effected our credit so majorly, that we called again and Ally told us they would remove the late several times and still have not. This was not something that should never have happened to us, I have never been late on anything in my life, and this was ridiculous. We have made out payments on time ever since. This should have never happened to us.

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 2024-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I lived in XXXX XXXX, located in XXXX  under XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. I owed them {$12000.00} and paid it off through XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I moved out on XX/XX/XXXX. I applied to XXXX  and they agreed to help with my total unpaid rent owed beginning on XX/XX/XXXX. I kept the email from XXXX  and they sent it back to me for each month 's payment details. And, XXXX XXXX received the money and told me by email. Today, I was so shocked when I received an email from COLUMBIA DEBT RECOVERY LLC DBA GENESIS saying that I still owe XXXX  XXXX {$12000.00}, and the company is assigned to collect the debt. This is nonsense. Please help me with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
On the day XX/XX/24 unauthorized charge of XXXX $ was made. The card was with me on that day and I was at work all day. I used the card for the last time on XX/XX/24 at the XXXX XXXX for the amount of XXXX $ and nex day I saw all my money was gone. 

I opened a dispute on money network and after 3 days they said the denied my dispute. 

I have a proof that I was at work all day that day and the card was with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
Spring oaks Capital said I opened up a loan on XX/XX/2021 this is not correct I never opened a account with them ask for paperwork from them never got it because it doesn't exist I have dispute this several times nothing happens it is fraudulent on my credit report and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX XXXX XXXX XXXX  Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: ID

Complaint narrative:
I recently checked my credit report and noticed fruadulant things on my report. I can you please remove the fradulant things, they are hurting my credit thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I am concerned because someone is using false names and social security numbers to use my credit. On XX/XX/year>, I sent Equifax a letter about a collection account, XXXX  XXXX ( XXXX XXXX  ) XXXX, that is showing up on my credit report. I want to clarify that this is not my account and I never opened a credit account with XXXX XXXX. As an individual with excellent relationships with banks, I believe this is a mistake and I am worried that my letter from last month was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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 reviewed a copy of my credit report and found fraudulent information on this account Please review the information on this XXXX XXXXXXXX XXXX  XXXX account open balance {$760.00}

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 2024-04-10 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
About a year ago, XX/XX/2023, I think, I started noticing fraudulent activity ( exceeding {$9000.00} at one point ) on my Barclays Navyist Credit Card. I immediately contacted them to let them know. Every month, my statement showed new fraud charges to the same XXXX XXXX XXXX  XXXX and others. The scammer also kept trying to change my address. I am XXXX XXXX XXXX. Barclay 's consistently changed my card number ( XXXX ) and each time they allowed the fraud to continue, only removing charges when I received my statement and called them. Each time, I had to speak with a new person and reiterate the issue. Finally they told me they put their highest security block on my card. And yet, the charges continued. Including interest and late fees!! I asked to cancel the card, but they told me I could not as it would impede their investigation. Later, they told me I could cancel, but their policy allows an account to be reopened within 3 months, no questions asked, so it would not be in my best interest to close it as theoretically, the scammer would be able to reopen it and I would not even know. They are now telling me that I owe them {$1200.00} because they made a mistake in charging back to the XXXX XXXX XXXX XXXX  and I must pay back for their error.

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 2024-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet 's website does not work. I have tried multiple times to get my statements as their numbers do not match us with what I expect. I have relentlessly been called and threatened and then they realized they screwed up, sent an email about administrative forbearance with no context and no numbers to support their claims and I am no longer past due but I think my account balance is wrong and I can not get the statements from their website to verify this information. 

They don't have the resources to handle these loans nor the resources to run a stable website at all. Starting to think Nelnet is a scam to harvest government money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I am not aware of these debts. I just got the time to review my credit report and I do not recognize these accounts. I am requesting for this items to be removed under Section 609 in the Fair Credit Reporting Act. 

Williams rush & association- COLLECTIONS {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed there was an account on my report that does not belong there. I notified the company and disputed the item XX/XX/2024. They are in violation of 15 USC 1681i ( a ) ( 1 ) ( A ) It has been over 35 days and still no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed on XX/XX/year> the item from XXXX XXXX  XXXX that does not belong on my credit report It has been over 35 days since Transunion has responded. 
They are in Violation of my 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
Consumer complaint received 2024-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Mercedes Benz Financial Services
State: WI

Complaint narrative:
XXXX XXXX ( car salesman ) and XXXX XXXX ( finance manager ) approved me for purchase of a vehicle. XXXX drove the vehicle from Mercedes XXXX XXXX to my home in Wisconsin. When he arrived, he called XXXX to report that I signed the contract, " accepted for honor '' and " without recourse. '' XXXX then instructed XXXX to take the vehicle back to IL and they canceled the entire transaction. Additionally, XXXX was to take my leased Mercedes back to IL, to hand in for lease term. I was approved to purchase my lease, initially, but was told I could not have XXXX car contract simultaneously, which I later learned was a complete falsehood. Since XXXX did not take my lease back and XXXX canceled the transaction, Mercedes contacted me several times, asking why I had not turned in my lease and threatened penalty fees. 

The entire process was extraordinarily unlawful, unprofessional and violating as they requested my SS # via text message ( attached in photos ) sent me numerous messages ( which I have kept record of ) indicating my credit approval and financing, photos of vehicle, etc. I now further understand dealership contract fraud and will be conducting a forensic audit on Mercedes application and financing contracts. My credit score was XXXX and due to the fraudulent transactions, it is now XXXX. Mercedes reported a hard inquiry along with XXXX additional inquires ( attached ) and XXXX XXXX captured my credit XXXX times. I have reported this to the CFPB and have not received a response from Mercedes or XXXX as of yet. I will be pursuing further action with regulatory authorities and UNIDROIT if I do not receive rightful remedy credit repair and compensation for what Mercedes stole from my treasury account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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