vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MN

Complaint narrative:
XXXX did Not provide a statement of charges after moving out within the XXXX  day time-frame that the landlord and their attorney acknowledges they had to provide the information. I did not receive deposit or statement. Landlord has tried to post charges previously on account ledger for things like eviction notice when there was never any eviction and we were never served with one but they charged a fee, charges for rent twice in one month that after i disputed with the apartment manager, they claimed was a mistake, not fixing anything in the unit then attempting to overcharge to make a large balance for tenants, etc. I just received an alert that {$910.00} was posted to my credit report. please review documents associated with complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: NC

Complaint narrative:
My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/XXXX. I recently retrieved a copy of my credit profile and public records and realized there were several addresses linked to my name. I have a very common name. I've contacted the credit bureaus ( XXXX, EQUIFAX, AND XXXX ) XX/XX/XXXX via phone and by mail to ask them to remove the fraudulent addressed from my profile. After attempting to access a line of credit, delinquent accounts are being attached to my credit profile. I am unsure if this a result of my items being stolen or with me having a very common name. I not only requested verification but also an update to my credit profile and nothing has been rectified. These addresses and accounts being linked to my name is affecting my ability obtain credit and also in violation of 15 USC 1681. No information should be furnished to my profile without my permission along with the result of identity fraud. Is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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 strongly request you to address and rectify the unauthorized accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
Hello, I am asking for help with resolving the falsely prepared collections on my report by the XXXX XXXX XXXX, which represents XXXX XXXX, which is the previous owner of the apartment I was renting and without any basis or evidence, passed me on collections and I have completed 1 year lease with the new owner XXXX XXXX XXXX with balance {$0.00} and I have it reported and I am attaching it to the evidence. I am requesting this be resolved from my report that was falsely prepared without evidence required by the XXXX XXXXXXXX XXXX by the XXXX XXXX XXXX for the amount of XXXX. Thank you.

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 2023-12-20 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: CA

Complaint narrative:
I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work XXXX jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my XXXX XXXX. I insist you remove any and all inaccuracies because it is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2023, as the original creditor, private investor I extended credits to you for the applicant/principal, based on the information in the credit application. I did not extend credits to the applicant to be determined by the applicant consumer report.ii also sent a denial error notice to your indenture trustee, bank XXXX XXXX XXXX. I am aware that there have been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. I signed a promissory note along with a security agreement creating a negotiable instrument to extend credit to you as the borrower. As I am fully aware you did not have pre-existing credit, money, or assets as consideration to purchase the note or credit agreement from me. Im aware that Securitization is the process where promissory notes are turned into securities or bonds then sold to investors. The purpose is to provide a large supply of money to lenders for originating loans and to provide investments for bond holders. The procedure for selling of the notes is to create a situation whereby tax laws are observed, and whereby the issuing entities and the lender are protected from either entity going into bankruptcy. In order to achieve this bankruptcy remoteness numerous True Sales of the loans occur in which the loans were sold and transferred to different parties during securitization. Since the note will be securitized and given to a trust to provide a stream of income for investors, that is to say once converted into a stock/ security ( or securitized ), that act of conversion, impairs the validity and enforceability of a promissory note. It is destroyed and ceases to be a secure asset or negotiable instrument tied to any collateral or debt obligation. i am aware of all sec filing and cases open with amex. my application should be reconsidered sue to me providing a instrument and securities to you. if not approved send back my original note, All coupon notes ( securities ) are mailed to me as the investor, as I am the security holder with the right to enforce the instrument according to U.C.C. 3-604.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit Report and subsequent credit report investigations contend that I was more than 30 days late on my XXXX XXXX XXXX XXXX account twice ( XX/XX/XXXX and XX/XX/XXXX ) when payments were made under an agreed to payment relief plan offered by the lender. Calls to both XXXX XXXX and the credit reporting bureaus yielded no results. They blamed the other party and instructed me to contact the other party, stating there was nothing they could do. I have never missed a payment, ever, including on any of my other accounts. I made payments as agreed to by the lenders payment assistance plan offer. Please remove these late payments from my report as they have prevented me from obtaining financial products over two times now.

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 2023-12-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Report and subsequent credit report investigations contend that I was more than 30 days late on my XXXX XXXX XXXX XXXX account twice ( XX/XX/XXXX and XX/XX/XXXX ) when payments were made under an agreed to payment relief plan offered by the lender. Calls to both XXXX XXXX and the credit reporting bureaus yielded no results. They blamed the other party and instructed me to contact the other party, stating there was nothing they could do. I have never missed a payment, ever, including on any of my other accounts. I made payments as agreed to by the lenders payment assistance plan offer. Please remove these late payments from my report as they have prevented me from obtaining financial products over two times now.

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 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
Hello, In XX/XX/XXXX, I received the following message from Wise : " Hi XXXX, Thanks for your email. 

This email is to acknowledge that we have received your complaint regarding your bank account being linked to another Wise account that does not belong to you. If we havent understood your complaint correctly, please let us know. 

We are currently investigating the matter and consulting with the teams involved, and will provide you with an update as soon as we can. 

We will provide you with a final response regarding your case within 10 business days but given the nature of your case we will try our best to resolve this as soon as possible. '' I never received a message or response from Wise after this. Thus, I assume that my bank account is still linked to a Wise account that does not belong to me. 

This is pretty outrageous. I need to know that my account will be safe. I need Wise to cut the connection. They should have done this in XX/XX/XXXX, when I first raised the issue. 

I did everything I could in my communications with Wise, including sending documents of the bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
I paid off the settled balance as agree, unfortunately the settlement agreement was never signed by your company ( EXETER FINANCE ) in which I was promised that the settlement agreement would be signed by Exeter finance. I was the only one that signed the agreement. And as far as my Proof of claims letter and debt disclosure letter is concerned, those are a total of 120 questions on those documents that i as a customer/consumer have a right ask. Unfortunately, no one from Exeter finance answered the questions. The only response was " YOU DEMAND '' I stop sending " SCMEMS ''. Why haven't Exeter Finance signed the settlement agreement that was sent to me through DocuSign? I was promised that after payment Exeter Finance will email me a signed document from them agreeing to the settlement contract agreement. " MY QUESTION IS THE AGREEMENT VALID '' as opposed to a final receipt? Just like Exeter Finance Has a right to email me or call me to ask " THIER '' question to settle at a certain percent, I have the exact same " RIGHTS '' to email or send a letter with questions. And if the questions are avoided/ignored then I have a right to assume the inaccuracy of the account/contract/assigned contract invalid and yes return respectfully the XXXX XXXX XXXXXXXX XXXX My questions are fair in the debt disclosure letter and proof of claims letter. However, you/EXETERFINANCE STAFF insulting response TO MY 120 QUESTIONS was " EXTER FINANCE IS DEMAMNDING ME TO STOP SEND FRAUD SCHEME LETTERS '' No one called me to cover the questions. Also, certain things weren't disclosed in the time of signing the " ASSIGNED CONTRACT FROM THE DEALERSHIP. PLEASE RESPECT MY REQUEST AND MAIL ME THE " SIGNED SETTLMENT AGREEMENT AS WAS PROMISED FROM EXETER FINANCE. RESPECTFULLY IF YOU HAVE FURTHER QUESTIONS PLEASE CALL ME AT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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 strongly request you to address and rectify the unauthorized accounts 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 explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have multiple accounts through Synchrony and today ( XX/XX/23 ) I needed them to apply the payment I made yesterday sooner than usual since one of my pets was having an unexpected medical procedure ; I needed the payment applied to my Care Credit account. I contacted Synchrony through the chat feature and when I spoke to one rep they said the funds would be available. When I went to pick up my pet the funds were not available and Synchrony would not make them available even though the funds had been transferred from my bank to Synchrony already. With other Synchrony accounts ( Sam 's Club ) they apply the payment IMMEDIATELY so I'm not sure why Synchrony would not do the same in this instance especially after I asked if the funds would be available and was told yes they would be.

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 2023-12-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: FL

Complaint narrative:
A company called Bright Money obtained my accounting and routing information while submitting credit line application to other company. I never signed up with Bright Money. They tried to charge {$36.00} to my debit account.I called the business and they have no records of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I am exercising my right as a consumer and I demand that you immediately delete and remove the following information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I called and asked to close out XXXX XXXX  accounts. Made sure of the address that the checks were to be mailed to. Told the checks would be mailed XX/XX/XXXX. Called them XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. To this date the only letter or email I have received from them says the accounts were closed, on XX/XX/XXXX, that is all. No letters or emails about where the funds where sent to, or if they have been cashed, or what the amounts the checks where made out for, or what names the funds where made out to, or what address the funds where mailed to, nothing in writing from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
Why are you guys showing two different payment histories if info is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
FNBO Amtrak Reward Credit Card I can log in to my account, but then there is no option to view balance, make payment, etc. This is the case via XXXX  app and FNBO website on a XXXX laptop. When I click " contact '' on website I receive the following message : " Error Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. Please try to access the site again later or call Customer Service for assistance. '' Other FNBO account holders report similar issues on 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 2023-12-20 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: FL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I sent three dispute letters telling the company Im a victim of the XXXX data breach my personal information was compromised and someone fraudulently opened these accounts in my name. Despite sending police reports proof of residence id social cards they have yet removed this fraudulent accounts from my credit reports. They have yet to send The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I noticed unauthorized inquires on my credit report and wish to have them removed. references include. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S. Code 1681 section 604 A SECTION 2 15 U.S. Code 1681 section 602 A - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

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 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX, on XX/XX/XXXX. 

I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) I received a call from XXXX XXXX from XXXX & XXXX on XX/XX/XXXX at XXXX. I have the saved voicemail. This account was in dispute and they still were attempting to collect on this debt. 

I received an envelope from XXXX XXXX XXXX on XXXX XXXX, XXXX. The contents had nothing I requested.

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 2023-12-20 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
Hello, I am asking for help with resolving the falsely prepared collections on my report by the XXXX XXXX XXXX, which represents XXXXXXXX XXXX which is the previous owner of the apartment I was renting and without any basis or evidence, passed me on collections and I have completed 1 year lease with the XXXX XXXX XXXX XXXX XXXX with balance {$0.00} and I have it reported and I am attaching it to the evidence. I am requesting this be resolved from my report that was falsely prepared without evidence required by the Illinois XXXX XXXX by the XXXX XXXX XXXX for the amount of XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief