vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 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: FL

Complaint narrative:
On XX/XX/2022, the law firm that is representing me XXXX XXXX sent TransUnion a letter informing them that they has sent a letter to the creditor XXXX  that is currently listed on my TransUnion credit report informing XXXX that they are currently in violation of Pursuant to the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, UCC 9.506, the Florida Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements, demand is made on behalf of XXXX XXXX XXXX for your company to remove the inaccurate information from her credit report pertaining to XXXX Account number ending in XXXX. 

XXXX did not comply with the letter sent by XXXX XXXX so they proceeded to contact TransUnion since they continued to report the account. 

Summary of letter sent to TransUnion Re : Alleged Debtor : XXXX XXXX Creditor : XXXX XXXX Our File Number : XXXX Dear Sir or Madam : You are hereby given notice, pursuant to 15-U.S.C.A Sec. 1681i, that XXXX XXXX disputes the debt of a creditor listed in her credit report prepared by you. The item disputed shows a collection record by XXXX. Previously, we reached out to XXXX regarding the referenced debt demanding that they provide verification. Although the statutory 30 day period has expired, thus far, they have failed to validate the debt. 
Under the provisions of the above act, you must reinvestigate the item and if the item can not be verified or is inaccurate or incomplete, you must promptly modify or delete that item of information from XXXX XXXX file, as appropriate, based on the results of the reinvestigation. 
You are reminded that it is up to you to justify the debt after investigation. You may not simply copy a self-serving letter from a creditor without some attached proof. Also, you are reminded that, under the Federal law, if you fail to perform your responsibilities, you may be held liable for XXXX XXXX attorneys fees.

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 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX XXXX XXXX, for committing identity theft. I have never given XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX  XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXXXXXX XXXX XXXX continues it's collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 15 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, the law firm that is representing me XXXX XXXX sent Experian a letter informing them that they has sent a letter to the creditor XXXX  that is currently listed on my Experian credit report informing XXXX that they are currently in violation of Pursuant to the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, UCC 9.506, the Florida Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements, demand is made on behalf of XXXX XXXX XXXX for your company to remove the inaccurate information from her credit report pertaining to XXXX Account number ending in XXXX. XXXX did not comply with the letter sent by XXXX XXXX  so they proceeded to contact Experian since they continued to report the account. Summary of letter sent to Experian Re : Alleged Debtor : XXXX XXXX Creditor : XXXX XXXX Our File Number : XXXX Dear Sir or Madam : You are hereby given notice, pursuant to 15-U.S.C.A Sec. 1681i, that XXXX XXXX disputes the debt of a creditor listed in her credit report prepared by you. The item disputed shows a collection record by XXXX. Previously, we reached out to XXXX regarding the referenced debt demanding that they provide verification. Although the statutory 30 day period has expired, thus far, they have failed to validate the debt. Under the provisions of the above act, you must reinvestigate the item and if the item can not be verified or is inaccurate or incomplete, you must promptly modify or delete that item of information from XXXX XXXX file, as appropriate, based on the results of the reinvestigation. You are reminded that it is up to you to justify the debt after investigation. You may not simply copy a self-serving letter from a creditor without some attached proof. Also, you are reminded that, under the Federal law, if you fail to perform your responsibilities, you may be held liable for XXXX XXXX attorneys fees.

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 2022-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Hello, It is hard to actually save money, to not touch it, especially in these times. That said, I have noticed that Ally Bank CONTINUES to cheat me on the interest THEY offer. I've had my online high-interest yielding savings account and their online checking and money market accounts probably since XXXX or XXXX. Way back in XXXX I first noticed that the interest that they say is compounding daily and paid out monthly continues to be short. 

How is it that I'm receiving LESS interest even though the interest is supposedly compounding daily AND I'm making deposits that increase my balance by hundreds of dollars? 

Case in point : As of XX/XX/XXXX my savings account ( high interest yielding ) which is supposedly accruing XXXX  daily in interest and is supposedly compounding daily, was credited with {XXXX} ( .15 daily x 30 days ). Between XXXX & XXXX, I made deposits that increased my balance by more than {$400.00} yet on XX/XX/XXXX my account was credited with only {XXXX} of interest. I made no withdrawals at all this YEAR, and so at no point did my balance decrease, I only made deposits. 

I called Ally on 3 different occasions to speak with them about it and I was given 3 different, senseless explanations as to why. The 3rd person I spoke to told me that my XXXX interest payment was reflective of only 28 days of interest, not 30 as was the case with my XXXX interest payment. But when I pointed out to her that my savings account clearly states that it is accruing XXXX daily and that XXXX  x 28 days would = XXXX she could NOT explain how I was only credited with {XXXX}. 

I've had this same problem with Ally bank back in XXXX and at one point, I had moved my money out of Ally and back to horrible, awful XXXX XXXX! But at some point I decided that even though I was being shorted by Ally, it was still way more interest than XXXX XXXX. 

I don't know what to do. As you all know, as it relates to interest compounding, each and every penny counts. Aren't I supposed to see ever increasing interest payments mainly because it's supposed to be compounding DAILY and I've only been depositing increasing my balance? Ally 's high-interest savings account rate has not changed in these past 3 months and it still remains at 0.50 %. I wish there was a way to make them pay me ALL of the interest that they've been shorting me since first opening my accounts. 

Thanks for reading all of this and for any help you can provide. 

Ally gave me a " case number '' XXXX about this complaint on XX/XX/XXXX. I've heard from no one at Ally since. 

Hope you can help make a permanent positive difference, 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 2022-04-03 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: Shellpoint Partners, LLC
State: CT

Complaint narrative:
XXXX has said several times that the debtor has 100 % free reign and absolutely no accountability to the credit bureaus. XXXX has said numerous times that no matter what the creditor has agreed to in writing, on phone, or what the paper trail says, that the creditor can say otherwise, and XXXX will never under any circumstances counter this false information or contradictions by creditors. In insurance and financial arrangements, the business is held to what they put in writing and agree to, but XXXX has even not made any efforts when Shellpoint previously falsely reported that I had a XXXX mortgage and agreed to fix the mistake. Clearly if XXXX makes money and is only in business to blindly agree with creditors then they should return the billions made and not be a business because being a do nothing lap dog for creditors is something well... a dog could do. See below and what should be fixed on credit report immediately. Brought to attention of XXXX and well see if what they have said and what I am reporting here is true to the extent that I say. 

Shellpoint Mortgage previously had a XXXX XXXX mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting 120-day lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. This needs to be resolved immediately as this unprofessional sloppiness and the months it took for Shell Point to fix the previous XXXX XXXX mortgage balance that never existed, and previous false lates created lots of damage. These 2 false 120-day lates on 2 mortgages that were approved for loan modifications and more, caused considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other Shellpoint mortgage customers for a class action lawsuit and complaints to banking commissioner.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This account was opened & closed without my acknowledgment .I reported it as fraud but my claim was not supported. i paid off the account and agreed with the bank that this account would be removed from my credit/background upon receiving payment .She as well agreed I requested 15 days for removal even though she insisted 30 days. i am still unable to unlock my current bank account or use it just cause of this report. I would like it to be removed and updated expeditiously.

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 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Adjustment Company Incorporated
State: KS

Complaint narrative:
This company called my ex husband and said I needed to call them. I also have a voicemail where they're threatening to call my employer. 
When I called the number he gave me, and the number in the voicemail, I was told they were an attorney 's office getting ready to file suit on me but if I made a payment right now, they'd stop it. 
When I asked for their name and address, they would not give it to me. They were very nasty about it. 
When I called back again, a different person told me they don't take payments and they are filing with a county I don't even live in. Even though the lady right before him was ready to take my card info. 
I told them to not call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: MN

Complaint narrative:
In Accordance with the Fair Credit reporting act convergent 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 States a Consumer Reporting Agency Can not Furnish an Account Without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-04-03 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: MN

Complaint narrative:
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 States a Consumer Reporting Agency Can not Furnish an Account Without my written instructions. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX  previously had a XXXX XXXX mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting 120-day lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. 

This needs to be resolved immediately as this unprofessional sloppiness and the months it took for XXXX XXXX to fix the previous XXXX XXXX  mortgage balance that never existed, and previous false lates created lots of damage. These 2 false 120 day lates on 2 mortgages that were approved for loan modifications and more, cased considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other XXXX XXXX  customers for a class action lawsuit and complaints to banking commissioner.

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 2022-04-03 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Credit Collection Services is showing a collection reported by XXXX XXXX XXXX company which does not belong to me. I have provided supporting documentation that proves the policy was cancelled in writing and a new policy was obtained through another carrier ; they have neglected to remove the collection from my credit report. XXXX XXXX owes me the balance of my policy that was unused prior to the cancellation and they have not rectified this issue. I want my credit report to be corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I received a credit card from genesisFS card services. I called them and said I did not apply for the card. I dont want it and I want it taken of my credit report ( including the inquirie. They said they would investigate it and it could take up to sixty days. I dont have sixty days to repair my credit. I need to beable to apply for a place to live. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent Numerous notices to XXXX, XXXX, & Transunion to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from 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 2022-04-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights 15 U.S.C 1681 section 602 A : Which states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: CA

Complaint narrative:
I sold my primary residence in XX/XX/XXXX and requested all utility services to be cut off by XX/XX/XXXX. XXXX XXXX, utility account # XXXX generated a final invoice in the amount of {$160.00} that was sent to my new address on XX/XX/XXXX, along with a communication that XXXX XXXX was pleased to inform me that I was eligible to receive a credit for any unpaid balances of my natural gas bill for the period of XX/XX/XXXX through XX/XX/XXXX due to the exposure and financial difficulties that I was experiencing due to COVID -19/ The eligibility to receive this one-time bill payment assistance was possible because of the Virginia Coronavirus Aid , Relief and Economic Security ( CARES ) Act. At that moment in time, I was impacted financially due to a reduction in business and work hours, therefore I completed the paper form requested by XXXX  XXXX for this one time bill assistance and mailed back via USPS. 

I did not hear back from XXXX  XXXX, therefore I assumed that my bill was satisfied and account closed. On XX/XX/XXXX, I received a letter from Nationwide Credit Corporation, the collections agency that acts on behalf of XXXX  XXXX stating that I had an outstanding balance of {$160.00} that needed to be paid immediately and that this balance was already reported in my credit score to the credit bureaus. After some research, it was determined that XXXX  XXXX never processed my Covid19 relief request and then sent my account to collections. 

The account was paid in full to XXXX  XXXX on XX/XX/XXXX, confirmation # XXXX but the collection process is still showing in my credit report, negatively impacting my score and ability to acquire future credit.

Company response to consumer: Closed with explanation