vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
So I have all the couple of disputes with them because there was money coming up missing out of my account so they denied all these the volume Dispute so I asked him to send me information on why they denied the dispute and pictures of whoever withdraw the money out of my account and I still have not received anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
After requesting my consumer report I notice unknown accounts that I did not authorize nor give consent to furnish to my consumer report. Please remove these account immediately.

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 2024-05-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: NH

Complaint narrative:
In XXXX of XXXX  I responded via an XXXX number to a mailing to finance a loan at a reduced interest rate. The person ran a check on my excellent credit and said it was not good enough for a loan and offered this other service I was unfortunately not well informed about to re-negotiate my old loans at a better interest rate. I was up to date on these loans, but was promised that their lawyers could get me better shorter terms at a reduced interest with LevelOneLaw. I was told to stop paying on the loans and that it would reduce my credit score for XXXX to XXXX months. After signing up in XXXX, I set up my account on their web site, uploaded correspondence from my loan accounts and made several attempts to reach 'customer service ' but was never able to get through. I was told they would send out power of attorney letters to these loan accounts, but that never happened. In XXXX, I got thru to Customer Service after waiting on hold for an hour. After noting some bad reviews about Level One Law on the internet, I feared I might lose my money as well as my good credit if I continued to try to work with them. I put a hold on their automatic withdrawals of $ XXXX and asked to be terminated from the program. I wrote an email to customer service to request that they return of my money since it was clear from the information on their website that they did not contact any of my accounts. From the {$1800.00} I paid them, they returned {$590.00}. I realize that I was misinformed and should have done more research on this before engaging this company, but I trusted the initial contractor who was at the other end of that XXXX number on the mailing I received ( XXXX XXXX at XXXX who's phone is no longer in service ).

Company response to consumer: Untimely response
Consumer complaint received 2024-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I applied for a loan for dental work XXXX years ago. I applied online and spoke with a representative over the phone. 
I was told that it would be interest free for XXXX years. There was no hint whatsoever given that there would be anything other than the standard interest charged monthly at the end of the XXXX year period. 
Even looking at the paperwork I received I did not see anything that would lead me to believe otherwise based on my limited legal knowledge and having never used a credit account like this. 

Now at the end of the XXXX year period I was just charged a massive cumulative interest payment that I was shocked to see and greatly affected my credit score. 

I am sure that care credit has some way around this legally. I can see that there is a section dedicated to this on each statement. Unfortunately myself, just like many consumers use a mobile app to pay monthly bills like this and do not receive statements in the mail or otherwise. I looked at my initial paperwork to the best of my abilities and trusted that I was being given accurate and complete information by the representative. 

If I had known there would be a cumulative deferred interest payment that would be equivalent to more than XXXX  % of the original value of my loan that would hit my account after XXXX years I would have absolute contacted another lender or made plans to ensure that the account was paid in full by the end of the promotion. 

Additionally the representative asked me over the phone if I wanted a credit card and I stated that I did not. I only wanted this to be an installment loan, but I received a credit card by mail anyway. 

I have attached the most recent statement showing the {$3600.00} interest charge that is equivalent to more than XXXX % of the original loan value.

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 monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a check for {$4400.00} from my employer. I deposited this into my Bank of America checking account, account number ending in XXXX. I was notified by email on XX/XX/year> with the following details : " We've placed a hold on one or more checks to help verify funds. Review the availability information and hold reason for details. 
XX/XX/year> by XXXX XXXX local time {$4400.00}. We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned. '' I tried to log into my online banking on XX/XX/year> after this email, and I was not allowed to log in. I called Bank of America and was told my checking account and savings account are closed. The bank told me it was a " business decision '' and did not provide any other reason for closing my account. I asked how I can get my money from my closed account and what happened with my deposited check for {$4400.00} from my employer. I was told the check is being help. I don't have my money from my employer in the amount of {$4400.00} and my bank account is closed. This is wrong. Please help 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 2024-05-08 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: CA

Complaint narrative:
I have asked Experian numerous times to delete an incorrect address listed on my credit report and for whatever reason they will NOT. The address is NOT mine, it is not where I live, I don't understand why it is so difficult to remove INCORRECT information as they are REQUIRED to by law. I will upload proof of my address as I have to Experian also and below is the address I would like REMOVED from my credit report. 

XXXX XXXXXXXX XXXX XXXX, CA 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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: UT

Complaint narrative:
I originated this loan in XXXX XXXX XXXX, in XXXXXXXX XXXX XXXX I noticed that not XXXX XXXX of XXXX in payments has went to principle, I even called in XXXX to get account paid to avoid any future interest payments only and was given an incorrect amount so the interest only payments continued, the company never explained all of their fees abd daily interest therefor keeping all my payments as interest only which is worse then a pay day loan. I talked to the branch and employee XXXX degraded me saying Ive never made one on time payment and every payment was over 30 days late or more since loan origination which is a lie, I called corporate and they had district manager XXXX call me and he did absolutely nothing and had no empathy for the situation nor did he offer any assistance so I turned to you for help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/XXXX my account was hacked via fraud I reported it when the charges were still pending. Next day I got a new account. I was given funds back within XXXX businesses days. Now fast forward XXXX  months later the bank sent me a letter that I authorization the transactions and they were taking the money back. They have finally given me the number to the company that did the fraud I have called them and they agreed it was fraud sine I was not there customer. They told me to call bank back to get money back. I called bank and got run around and finial after XXXX hours I have them sending to there corporate office even thou they still taking the money back XXXX XXXXXX/XX/XXXX. To top it off the person who stole my info used my unmarried name. I got married XXXX years ago. Why would the bank even let the charges go through worh wrong name. I have XXXX days to wait for corporate to get back to me. Also my account will be negative {$1400.00}, plus there stupes over draft fees of {$35.00} daily. Wellsfargo is horrible ans dont help there clients. Please help. I can give u more info if needed.

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 2024-05-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reached out to Equifax with assistance with my Identity Theft problem with no assistance. I have done everything they asked of me to have some fraudulent accounts removed from my credit report. I retrieved a police report from the city of XXXX XXXX  where my wallet was stolen with my ID and credit cards in it, I also retrieved a police report from the city of XXXX, XXXX  where the creditors stated the accounts were opened and now, I also opened a police report where I actually live and provided proof of my address to them multiple times. XXXX and XXXX has removed this debt with proof showing this was fraudulent. I sent the deletion reports from the other two bureaus as requested by a supervisor within Equifax on a recorded line, also stating that once this was received then Equifax would remove the XXXX XXXX account. This was a lie and still is reporting. The address and phone number that they report for these accounts is not on my credit file. The address and phone number reporting are Fraudulent. XXXX or XXXX XXXX account number ( XXXX ) opened XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX is a fraudulent address that the above account is reporting to which is also not on my credit profile, but they continue to say that the information has been verified. I asked for a copy of the application with my signature on the application from all the creditors listed above and the 3 credit bureaus and I have yet to receive it. The incorrect data and no signed application showing. THIS ACCOUNT IS ALSO OVER 7 YEARS OLD AND SHOULD HAVE BEEN REMOVED LAST MONTH!!!! On the report it also says that the XXXX XXXX account does not report on Equifax but then also shows that the account has been verified, There are too many discrepancies with this account and it HAS TO BE REMOVED IMMEDIATELY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: OH

Complaint narrative:
I have disputed my Hard Credit pulls and they refuse to investigate. Dated letters mailed multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed my Hard Credit pulls and they refuse to investigate. Dated letters mailed multiple times

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/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 explanation
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting by Experian and associated mismanagement by XXXX account erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentation such as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

It is critical to highlight that both accounts were written off and reported as income through 1099 forms. These debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. Failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score.

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 2024-05-08 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: CA

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 2024-05-08 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: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2024-05-08 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: AZ

Complaint narrative:
I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and XXXX conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information. 

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Trans Union, or any furnisher of information to credit agencies to share my personal information.

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and XXXX and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. 

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.

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 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Sent Law firm letter regarding their violation of FDCPA Called multiple credit bureaus to move address they added

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