vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I disputed a cc charge of a rental car sometime in XXXX ( I don't remember exact date ) that I never rented a car from said company or any other company. I received letter dated XX/XX/year> that the charge was resolved in the merchants favor. I followed up with a call asking for the documentation and sent a letter dated XX/XX/XXXX denying the charges. Basically saying that I have not rented from said company nor was I at the location stated. Also stated I called the rental company and the person from the rental company told me they could not find any evidence said transaction and that a XXXX would call me back within XXXX hours which never happened, When I called Barclays Credit card services about said transaction on XX/XX/XXXX they indicated they could not show that charge in dispute. My reading of Regulation Z basically states that a financial institution has to reflect the disputes on a credit cards. Personal from Barclays said they had 30 days to make that decision as it was bank policy. But as I have already indicated Regulation Z requires financial to reflect consumer disputes provided certain steps are take, which I did. Regulation Z does not make distinctions weather it is the initial dispute or a re-dispute. Also as stated earlier I have requested the documentation that the merchant has provided twice and as of the writing of this complaint have not received anything. 

Barclays claims it has 30 days to make the determination and it does not have to reflect said transaction as disputed per their policy. But in my mind that is not what Regulation Z states.

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 2024-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Dispute # 1 Shellpoint Statements sent to me contain incorrect data. 

To resolve this dispute/complaint I am requesting the prompt posting to my portal, or delivery by US Mail of corrected monthly statements for the periods ending on these 3 dates. 
Period ending XX/XX/2024 Period ending XX/XX/2024 Period ending XX/XX/2024 Specifics of my complaint. The current statements mailed to me, and currently posted to my portal, ending on the above 3 dates contain material data errors. 
Specifically, these statements contain the following incorrect data : Beginning principal balance Interest charged for the period Ending principal balance

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc.
State: GA

Complaint narrative:
IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX  XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THATT I HAVE THE RIGHT TO PRIVACY, AN FUTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER RSPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
LASTLY, UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
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.

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 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 2024-05-29 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: GA

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.

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 non-monetary relief
Consumer complaint received 2024-05-29 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding two consumer reports initiated by LexisNexis, which are tied to my vehicle insurance records and have adversely affected my car insurance rates over the past two years. 

The reports in question pertain to what LexisNexis has identified as car accident claims. However, these records are incorrect. The incidents referenced in the reports were customer service inquiries I made to my insurance company, merely seeking information about coverages in case of a hypothetical accident. At no point did I file a claim for any vehicle accident. 

Upon discovering the errors in these reports, I promptly initiated a dispute with LexisNexis. Despite providing detailed explanations and evidence supporting my case, my dispute was rejected on the grounds that LexisNexis believes their records are accurate. This decision has left me in a difficult position, as the incorrect information continues to negatively impact my insurance rates, imposing a significant financial burden on me. 

I believe it is imperative that LexisNexis takes immediate action to address this issue. The false information being reported is not only incorrect but also unfairly damaging my financial standing. I request that LexisNexis re-evaluates the disputed reports and corrects the inaccuracies promptly. 

To facilitate the resolution of this matter, I have enclosed copies of my correspondence with my insurance company, which confirm that no claims were filed. Additionally, I am providing copies of my initial dispute submission and the rejection response from LexisNexis. 

I trust that LexisNexis will handle this complaint with the seriousness it deserves and rectify the inaccuracies in my records. Failure to correct this information will leave me no choice but to escalate this matter to the appropriate regulatory authorities and seek legal recourse for the damages incurred. 

Thank you for your prompt attention to this critical issue. I look forward to your swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was never given the chance to inherit the land that my husband worked hard to obtain. He died XXXX. 
I visited the XXXX XXXX XXXX XXXX VA several months begging them and trying to explain to branch manager that XXXX XXXX XXXX XXXX had given me a affadivit to have notraied that stataed I didnt need to be the executor of the estate to be added. The employee kept telling me to go become exeutive of the estate. I said it was not necessary I even shared the email from XXXX XXXX in VA, I was pushed away every single attempt. I was Finally added to the Truist account on XX/XX/XXXX Two weeks ago without becoming the excecutor of the Estate.. Each time I dial this number the lady that answers she doesnt know anything about financing land at Truist XXXX 
I was never given a fair chance to refinance no Hud help or anything with the federal law that makes it easier to take ownership of inherit property. I was never given a chance. My son XXXX XXXX made a payment XXXX XXXX for XXXX. I went to bank in XX/XX/XXXX to make another XXXX payment, The teller told me I could no longer make payments. The payment had ballon it was due in full. She even made a couple of telephone calls to see why I couldn't pay the payment.

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 2024-05-29 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: Experian Information Solutions Inc.
State: CA

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 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 2024-05-29 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: TX

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. And there is also a violation of code 15 USC 1681s-2. Also according to the FCRA a consumer reporting agency must provide reasonable procedures to assure the maximum possible accuracy of the info concerning the individual about whom the report concerns. : STUDENT LOANS : DEPT OF EDUXXXX XXXX XXXXXXXX, DEPT OF EDUXXXX XXXX XXXX $ XXXX, DEPT OF EDUXXXX $ XXXX XXXX DEPT OF EDUXXXX 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 2024-05-29 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:
I consistently ensured timely payments, so why is there an error in 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 non-monetary relief
Consumer complaint received 2024-05-29 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have a number of inquiries on my credit report I do not recognize, I would like to see my signature on these applications so I can take to police and file a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: MD

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 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am filing a complaint against CITIZNPAY for not responding after two attempts to write a dispute letter. They reported this debt on my credit report as a charge-off with a balance of {$3100.00}. I asked for a copy of the procedures that this company has in place to make sure that they comply with the law and that the account is reporting accurately but they failed to respond. They also violated FCRA Law 15 U.S Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Violation Reg CC availability of funds of Government check placed on hold longer than 10 business after the checks were clear. I was locked out of my account after the funds cleared which were from my taxes. I am being discriminated against the employee at the location the branch manager XXXX XXXX told me that there is nothing that she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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 non-monetary relief
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
According to USC 1681s-2, 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 accurate. ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Experian Information Solutions Inc.
State: MD

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 2024-05-29 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:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I did not authorize these companies to check my credit. Therefore, the statement provided above should be in accordance.

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 2024-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Before federal student loan repayments resumed post-covid, I applied for the SAVE program, and was accepted with a monthly payment of {$0.00} due to my financial circumstances and birth of my child ( dependent ). 

I have repeatedly been emailed about missing payments. I called several times and asked them to adjust my payments to reflect my SAVE program, and was told that MOHELA was evaluating the plan. 

In XX/XX/2024, they called me due to missed payments, and I explained the situation again, and the rep put me in administrative forbearance, yet I still continued to receive emails about missed payments. 

I should have {$0.00} payments now, and be working towards forgiveness, but MOHELA is not processing my new payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation