vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 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: CA

Complaint narrative:
Original complaint ID XXXX Submitted on XX/XX/2022 Improper use of my report - Unauthorized inquiries reported. 
Requested items be deleted. 

On Saturday, XX/XX/2022, XXXX AM, XXXX XXXX wrote : XXXX XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, XX/XX/XXXX or by calling XXXX XXXX XXXX XXXX. 

If you prefer to write to us, indicate that you are a victim of fraud requesting your free credit report and send us all of the following information : 1 ) Your full name including middle initial and generation ; 2 ) Social Security number ; 3 ) complete addresses for the past two years ; 4 ) date of birth ; 5 ) government issued ID card, such as a drivers license, state ID card, etc. ; 6 ) utility bill, bank or insurance statement, etc. Send copies of any documents you provide. Mail your request to XXXX, XXXXXX/XX/XXXX XXXX XXXX, Texas XXXX. 

You may access a more detailed statement of your rights online at XX/XX/XXXX or by calling 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 explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
I got an auto loan from GM Financial, began paying in XX/XX/XXXX. SKY high interest rate of 14.27 %. First lie : GM said after one year they'd renegotiate to a lower rate. That was a BOLD FACED lie! They switched gears and claimed " oh we don't do that ''. Then I paid payments and over time I realized they were NOT applying the payments correctly. I asked for an exact accounting of principal vs. interest, GM Financial refused to provide that. I have, over time, due to health issues with my wife, a XXXX XXXX survivor and now complicated XXXX/XXXX had several extensions. Each time I was charged fees, but you can not find anywhere where the fees are applied. I asked, GM Financial refused to respond. Then GM Financial agreed to a two month extension, said paperwork was on the way, but reversed course and did nothing. I have asked about lowering the interest rate as promised, they refused. I have paid, before the XX/XX/XXXX payment, XXXX towards the original loan of XXXX. Of that according to the paperwork XXXX was/is interest, BUT they have charged me XXXX interest. I have been CHEATED out of XXXX. When I asked about this they claimed they could not answer that. GM Financial is running a dishonest operation that scams customers.They stonewall, refuse to show payment breakdowns of payments, refuse to lower interest rates, refuse to give you any explanation of questions. They have fuzzy accounting that is worse than loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Forever 21/Comenity Bank sent me an email bill that I missed because I wasn't expecting email statements so I was late on my payment. I am never late and have excellent credit. I called on XX/XX/2022 and spoke with a representative asking that the late fee ( {$29.00} ) be waived and she said it would be. I asked for my adjusted balance so I could pay it in full, and I did. Since I thought the card was paid off, I didn't notice that ONLY 1/2 of the late fee was waived ( {$15.00} ) and I still had a balance and it was accruing interest, unbeknownst to me. The fact that only 1/2 of the late fee was waived was not CLEARLY explained in the phone conversation. In a follow-up call to Comenity/Forever 21 , they would not rectify this issue for me saying I had already used my one-time exemption. I understand you can only do this once but they DID NOT MAKE CLEAR that is was not for the full amount. I feel like they are using deceptive practices to let me believe I received a full late fee credit/waiver. I was also put on long holds and had to restart the call 4 times to get nowhere. Plus this call center is not in the US and the phone service was horrible. Do not deal with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06 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: SC

Complaint narrative:
I have inquiries on my credit report that I didn't authorized and unaware of. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/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 2022-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On XX/XX/2022 I visited a Chase Bank branch to submit a Power of Attorney document on behalf of my Grandmother who has XXXX and is a permanent resident of a XXXX home. I am trying to close a safety deposit box as Chase Bank is going to start charging for this service and she can not afford to pay. Further as her POA I have a fiduciary responsibility to make sure her money is being spent wisely. This is not a good use of her funds as she no longer needs a passport which is likely the primary object in this box. 

Today I received a letter ( attach ) that states : The Power of Attorney is being declined because The Power of Attorney does not grant the Agent authority to perform the requested transaction : Grant the Agent authority to perform the fiduciary transactions However the Power of Attorney submitted ( attached ) states the following : By way of illustration only and not attending any limitation I specifically grant to my attorney in fact General authority with respect to tangible personal property transactions, General authority with respect to banking transactions, General authority with respect to fiduciary transactions. 

Chase bank is denying my request on the grounds for an item that the POA specifically mentions. Further, the POA specifically states that this doesnt limit to powers granted. 

When my grandmother needed a XXXX XXXX account opened the XXXX folks told me to avoid Chase Bank as their legal department makes customers jump through hoops. I believe this denial, plus the difficulty with opening trust accounts, is a effort by Chase to discriminate against older and poorer folks who would have POAs and XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
False advertising made by Comenity Capital Bank - Zales The Diamond Card regarding terms and conditions for promotion. After apply for card to receive promotion being advised by representatives that approved or denial would occur same day. Which did not happen, so promotion was not available for me to use. This falling advertised to apply for credit card. While the credit card application with result in credit report. Thus effecting me personally harming my credit report for a card not needed. Date of application, sale advertise on website and advised promotion still in effect to apply. Promotion no longer available while getting scammed for a card I do not need. Contacted comenity bank directly to cancel application for card since promotion wouldnt apply to me. Advise I can not that their prices takes 1-2 weeks. Stuck with a credit card for false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
My account was fraud and reported to the police department which ive provided police reports i also notified Aspire credit card and the Fraud supervisor agreed to remove this account Asap. Also XXXX XXXX bank which XXXX credit cards was maxed out and charged over the limits in my name please delete these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX balance {$810.00} Open- XX/XX/XXXX XXXX Account Number- XXXX balance {$520.00} Open- XX/XX/XXXX XXXX XXXX XXXX XXXX  Account # XXXX balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$8200.00} XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX  XXXX Account XXXX XXXX balance {$810.00} Open- XX/XX/XXXXXXXX XXXX  Account Number- XXXX balance {$520.00} Open- XX/XX/XXXX SXXXX XXXX XXXX XXXX Account # XXXX balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$8200.00} Open- XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Multiple violations that are being reported on my credit report with this debt. Sent in multiple letters with no verification being sent back. 

They are reporting : a closed account with a past due amount ( letter sent XX/XX/XXXX ) XXXX different dates listed under date of last activity ( letter sent XX/XX/XXXX ) Closed account reporting open ( letter sent XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: IL

Complaint narrative:
Today I called Experian to dispute frudulent inquiries that do not belong on my report and they refused to remove them. I will list the companes and dates for the inquiries that do not belong to me that are XXXX mt report. 
XXXX XXXX XXXX XXXX on XX/XX/2022, XXXX XXXXXXXX XXXX on XX/XX/2022, XXXX CARD on XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX on XX/XX/2022, XXXX XXXXXXXX XXXX XXXX on XX/XX/2022.

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 2022-06-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX  XXXX  Acct # XXXX, XXXX Acct # XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX  XXXX Acct # XXXX, XXXX Acct # XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following items : - XXXX XXXX  XXXX - XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX 15 U.S.C. 1681 Section 602 A.- States I have a right to privacy. 

15 U.S.C. 1681 Section 2 604 A.- States a Consumer Reporting Agency can not furnish an account without my written consent and/or instructions.

15 U.S.C. 1666 Section B.- A Creditor may NOT treat a payment on a credit card account under an open-ended 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 non-monetary relief
Consumer complaint received 2022-06-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following items : - XXXX XXXX XXXX - XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX 15 U.S.C. 1681 Section 602 A.- States I have a right to privacy. 

15 U.S.C. 1681 Section 2 604 A.- States a Consumer Reporting Agency can not furnish an account without my written consent and/or instructions.

15 U.S.C. 1666 Section B.- A Creditor may NOT treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following items : - XXXX XXXX  XXXX - XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX XXXX 15 U.S.C. 1681 Section 602 A.- States I have a right to privacy.

15 U.S.C. 1681 Section 2 604 A.- States a Consumer Reporting Agency can not furnish an account without my written consent and/or instructions.

15 U.S.C. 1666 Section B.- A Creditor may NOT treat a payment on a credit card account under an open-ended 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 non-monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Late payments reflected on credit report dur to COVID-19 and family issues during the first few months of the pandemic. The credit card has since been paid off as agreed and closed. Requested the late payments on credit report to be corrected considering the circumstances but request was denied.

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 2022-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
A/R Solutions inc has contacted me numerous of times about a medical debt. I disputed the debt and asked the company to validate the debt. A/R Solutions inc then supplied with documents from Dentists of XXXX. Enclosed was a exam consent form with a list of procedures and charges. It also had my medical record number enclosed in that as well which is a HIPAA violation.

No where on those documents shows I owe A/R solutions. I responded and asked them to supply me with the HIPAA authorization release form to show I authorized my medical information to be accessed. They responded vaguely with a letter demanding I pay the debt. I sent out a third letter asking them to stop contacting me if they can't provide me with the requested proof.

They resent a letter stating they are attempting to collect a debt, but still no proof of me owing them, nor did they provide me with the HIPAA authorization form I asked them for. I even have two documents showing two different months and year on the exam consent forms. Which is very questionable. My address is even wrong on the documents. So, I have the right to make sure I am not being scammed. 

I have already filed a complaint with the XXXX, attorney general of Texas, and the U.S. Department of Health & Human Services against A/R solutions inc and Dentists of XXXX for violating my privacy rights. 

A/R services has not only violated my privacy, but has also disregard my dispute request as well as harassed me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: GA

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX # XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation