vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Consumer is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that Santander Consumer is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXX of XXXX  ( Account Number : XXXX ), Santander consumer is illegally opening and closing the auto loan and reporting false information to XXXX, XXXX, and XXXX for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. Santander Consumer is continuing their deceptive and predatory lending practices even after being fined. 

Santander Consumer is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Financiera Campeon, LLC dba Champion Equipment Finance
State: TX

Complaint narrative:
I applied for a loan using a agent or broker XXXX XXXX email XXXX XXXX FINANCIERA CAMPEON LLC DBA CHAMPION EQUIPMENT FINANCE located at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX to find me a lender who finances commercial vehicles. They sent me an application that I filled out and submitted approving a credit inquiry. My credit was pulled and I was notified by the three major credit agencies XXXX, XXXX, and XXXX. That was expected as I approved the application. The agent did not notify me that the lenders he was working with declined my application after over two weeks of underwriters reviewing my application. On his own or with the authorization of his superiors he used my sensitive information that I submitted to them electronically with my initial application and submitted a new application for credit several weeks later to a new lender without my knowledge or consent for no other reason that I can think of other than to attempt to secure his commission if the new fraudulent application was approved. I would not have approved of another credit hard pull so soon had I been notified and given the suggestion to try another lender. My credit has now been adversely affected with the new inquiries and I am currently in the process of trying to get it removed but these cases take much time of back and forth and is very inconvenient. I was forced to subscribe to credit lock from all three credit agencies.

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 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
Spoke with Ford finance twice this week only for them to say they dont have any information available for me and gave me two different numbers to a collections company. The first number doesnt have any way to leave a message or request call back, the second number which I received today doesnt ring. They reported that I owe XXXX onto my credit and all I received was a typed piece of paper that said amount owed. Im requesting any type of actual proof of what they sold it for and an actual way to contact this collection agency who they may have misrepresented telling me it is a lawyer. The numbers they provided are XXXX and XXXX. Will absolutely be bringing them to court if not rectified. Have reason to suspect contractural fraud with finance charges from the dealership as well. XXXX XXXX of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XX/XX/XXXX, XXXX date I requested my reports from each bureau. 

I requested my credit report from XXXX, XXXX, and Transunion and I noticed that there were several misspellings of my name, non-mailable addresses, non-working phone numbers, and variations of my employer and position, as well as hire date. I called each bureau on XX/XX/2023 and asked for this information to be removed. None of the mentioned bureaus have removed any of the incorrect information as of XX/XX/2023. 
I have been denied credit due to the lender not being able to identify me due to the incorrect information in my credit file.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XX/XX/XXXX, XXXX date I requested my reports from each bureau. 

I requested my credit report from XXXX, Experian, and XXXX and I noticed that there were several misspellings of my name, non-mailable addresses, non-working phone numbers, and variations of my employer and position, as well as hire date. I called each bureau on XX/XX/2023 and asked for this information to be removed. None of the mentioned bureaus have removed any of the incorrect information as of XX/XX/2023. 
I have been denied credit due to the lender not being able to identify me due to the incorrect information in my credit file.

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 2023-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against Progressive Management System ( PMS ) in light of their continual attempts to collect a debt that unequivocally does not belong to me. 

I was first alerted to this matter by the Credit Bureaus on XX/XX/2023. According to their report, PMS has been persistently trying to collect a debt that I ostensibly owe. This information is entirely incorrect and bewildering as I have no knowledge of any such debt nor have I ever been a debtor to PMS or any related entity. I can not help but think of this situation as a glaring case of identity theft or gross mismanagement on part of PMS. 

Furthermore, I have attempted to rectify this situation several times by directly contacting the agency and explaining the circumstances. Despite those efforts, I have not been met with a satisfactory response or any herald of action on their part. That PMS continues such fraudulent activity is not only damaging to my reputation but is also causing me undue financial strain and stress. 

It is my right as a consumer to be free from erroneous debt claims and to rectify any mistakes promptly and efficiently. Unfortunately, the lack of cooperation from PMS is obstructing me from exercising that right. 

I kindly ask for your help and intervention in this matter. I am eager to collaborate with you in any way possible to clear this mishap and ensure such instances of misinformation that put consumers under undue stress and suspicion are avoided in the future. 

Enclosed with this letter are copies of the notices I received from the Credit Bureaus and my previous correspondence with PMS, illustrating my attempts to resolve the issue on my own. Please reach out at your earliest convenience if you need additional information from me. 

Thank you for your time and I look forward to a prompt and satisfactory resolution of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I made a money transfer of {$75.00} to a friend via Venmo through my bank. On XX/XX/XXXX I got an email telling me there was an error and that my bank didn't process it. I checked my bank statement and contacted my bank and it shows- {$60.00} was taken out to process the payment via Venmo. I should only owe {$15.00} on my Venmo balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 
Synchrony Bank Address : XXXX XXXX XXXX, XXXX, FL XXXX There are three companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used Synchrony bank

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 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have contacted the company requesting the following information 1. the original contract with wet signature 2.Breakdown of the payment history 3.Proof of ownership the debt belongs to me. 

Please provide this information or remove the debt from credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: GA

Complaint narrative:
I recently reviewed my Credit report an noticed that there were items reporting that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I started receiving emails from Chime about an account that had been opened. I have never heard of Chime before, and thought it was just spam and ignored it. Today I received a debit card in the mail for the account. I went to the chime website and submitted a " Forgot Password '' request and got access to the account. 

The account was created using an email address I've never given out or used for anything, but just forwards into my day-to-day email. 

While there were no charges against the account, and I was able to call in and get the account closed today - a XXXX search showed this happening to many other users. It seems Chime might be creating accounts for users without their permission as a marketing tactic or something? Anyways, it seems immoral at best and probably illegal in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: CA

Complaint narrative:
XX/XX/23 Sent LexisNexis a letter asking how they verified a bankruptcy on my consumer report. 

XX/XX/23 LexisNexis received the letter XX/XX/23 Received letter from LexisNexis stating that they researched with XXXX  but did not verify with XXXX XX/XX/23 Contacted XXXX  to inquire if they verify the information for LexisNexis XX/XX/23 Received email stating that XXXX  provides access but does not verify for LexisNexis XX/XX/23 Sent a 2nd letter to LexisNexis requesting removal of the bankruptcy on my consumer report as they did not receive verification from XXXX  and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 2nd letter Never heard anything back from LexisNexis XX/XX/23 Sent LexisNexis a XXXX letter requesting removal of the bankruptcy on my consumer report as they did not receive verification from XXXX  and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 3rd letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
this company bought a debt from XXXX XXXX XXXX  WHICH wasn't an obligation to pay but instead dividends owed to me. this has caused me to become homeless because i cant qualify for a decent luxury apartment complex. instead of removing the debt off my consumer report they continue to Harras me but calling and sending default notices in the mail. by law this is illegal business practice and needs to be compensated for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: MI

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. 

has violated my rights. Or list of inquiries 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 2023-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had around {$300.00} as a total balance on my account, the monthly payment was about $ XXXX if I remember correctly, I had absolutely no trouble paying this monthly. However, I believe it was around XXXX of 2022, I was suddenly unable to access my account. I entered my login information ( email and password ) as usual and I would get an error back saying that my information was not found in the system. 

At first, I assumed there must be an error with my password or email or etc. so I attempted to retrieve my login credentials through the " forgot username/forgot password '' prompts. However, after providing my name that's on the card, my XXXX, and the last 4 of my social, I got the same error. At this point I have officially no idea what is going on, and decide I will call customer service. They refused to speak to me without being able to pull up my account, which apparently didn't come up in their system when I provided the necessary info. 

Unfortunately this matter slipped from my attention as I have a life and did not hear back about the account for months. It was only about 6 months later that I see on my credit report that the account has been reported as charged off on top off having late payments. My credit score tanked. I immediately called customer service again and demanded that someone explain to me what is going on. Finally, someone explained to me that there was fraudulent activity on my account that had been detected, and they locked my account out of precaution. This would have been great if only they had INFORMED ME OF SUCH ACTION. Instead I was unable to access my account or pay the due balance. 

About a month and a half ago, I once again contacted customer service to see what could be accomplished. The first service rep, when asked about the status of the account, informed me that there has been " a confirmed fraud on the account, and you are no longer responsible for the account. '' I was quite relived to hear that, and asked to be transferred to someone who could then work with me to get the inaccurate information deleted from my credit report. I was transferred to whomever would be able to help with such however, they immediately went back on what the previous service rep told me ( not to mention the others before her months ago ) and that there was no fraud after all. After much back and forth, they agreed to open a dispute in my credit report, but this ended up accomplishing nothing.

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 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I would love pay pal to stand up to there part on protecting people for using there services. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/2022, XXXX XXXX XXXX ( ACS ) begun managing my private student loan from XXXX XXXX XXXX The balance at that time was {$5500.00} ( and XXXX cents ). Since then, I have made monthly payments of {$460.00} to XXXX. Currently, this loan 's balance is {$930.00} according to both my own records and XXXX ' website. However, the credit report I pulled today, XX/XX/XXXX, says the " Reported Balance '' of this account is, bizarrely, {$4100.00}. Not one of the payments I have been making all year to XXXX appears on this report. 

I have also today submitted a dispute to Equifax and an e-mail inquiry to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Hunt & Henriques
State: CA

Complaint narrative:
Hunt & Henriques, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 
XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX There are three companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
In XXXX Wells Fargo Auto granted me automobile loan with no verifiable income. After the XXXX financial crisis I was unable to keep up with the monthly payments and was harassed day and night with phone calls and even people coming to my residence to demand payment. I eventually surrendered the car to a Wells Fargo bank. I never should have qualified for the loan, but since I lost my trade in a predatory car deal and had no other means of transportation, I had no choice but to take it.

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