vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
XX/XX/XXXX, I was finally able to obtain a BOA Loan History that both BOA and XXXX refused to ever provide me with to prove the necessity to charge me for XXXX late fees when at BOA I was only aware of XXXX loan payments having ever been subject to late fees while BOA serviced my loan. _________________ XX/XX/XXXX I called BOA to seek information about a reversed XX/XX/XXXX loan payment made within a larger payment XX/XX/XXXX, to which without my knowledge from XXXX to XXXX was reversed by BOA. It appears XXXX then their XXXX and beyond legal counsel both knew of this reversed payment and never mentioned it to me while I fought to seek the cause of an alleged missed XX/XX/XXXX payment at XXXX I paid in full on XX/XX/XXXX. During this recorded call with XXXX, which I have noticed BOA to retain all calls, servicing notes and other documents related to their loan XXXX - at XXXX minutes and XXXX seconds, XXXX claimed a payment made XX/XX/XXXX was the returned and reversed payment, yet this XX/XX/XXXX loan payment was not ever recorded to be reversed and so it appears because the XX/XX/XXXX loan payment was never recorded, BOA chose to reverse my paid and cleared XX/XX/XXXX loan payment. The reversal was for a never recorded XX/XX/XXXX loan payment not for XX/XX/XXXX or XX/XX/XXXX. When I made my XX/XX/XXXX and XX/XX/XXXX loan payments together on XX/XX/XXXX, BOA materially misrepresented them as paid for XXXX and XXXX inaccurately. ____________________________ Neither XXXX  nor BoA will accurately reassess the loan payments months to which they were all inaccurately allocated for XXXX  months from XX/XX/XXXX to XX/XX/XXXX ( a payment XXXX claims was never made. ) XXXX XXXX of BOA and XXXX XXXX for XXXX both are actively concealing the payment reversal was meant for XXXX not XX/XX/XXXX or XX/XX/XXXX, and that the XX/XX/XXXX loan payment made for XXXX and XXXX are inaccurately claimed as XXXX and XXXX, because they each have the same servicing notes as XXXX did when he contemporaneously read them to me XX/XX/XXXX, while I was being lied to by XXXX XXXX for XXXX and XXXX XXXX of the BOA Regulatory Department making all of the XXXX payments following all credited to the month before each payment was meant and intended for. I have the full original recording to which I was connected with XXXX at XXXX minutes and XXXX seconds until the end of the XXXX minute phone call but can not upload the recording because the file is over XXXX. BOA Failed to record the returned payment for XXXX, failed to record the accurate month it claimed to have reversed payment for, which has destroyed my opportunity to own a home since being forced out of my home by 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-11-15 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: MS

Complaint narrative:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for XXXX  the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled my credit report from all XXXX credit bureaus and noticed on my transunion report that my student loans are reporting the wrong balance and should be reporting paid off. I would like this account updated immediately as it is holding my transunion credit score down.

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 2024-11-15 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: OH

Complaint narrative:
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not authorized by 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/XXXX, a check was made payable to Affirm to pay off my loan balance. It was mailed certified next day delivery. According to my banks records, the check was delivered on XX/XX/XXXX and it cleared from my financial institution XX/XX/XXXX. About a week ago I chatted with someone because my payment wasn't showing on my account. He said it was an issue on affirms side and that he would escalate it but that he could see that the check was processing. When I asked him about the payment that would be due soon he advised me that I should pay it and then wait a month for the process to get that payment back. I told him I didn't have that kind of money for them to hold an additional {$40.00} hostage when they have had my check over a month. Fast forward a week later and I still don't show it as processed. Again, XX/XX/XXXX, almost 6 weeks later from my check being negotiated, I called in to Affirm to see what the issue was. I got a lady who again tells me she was going to escalate it and wants me to give another 3-5 business days. I asked to speak to a supervisor who never asked me to give him what was going on and keeps repeating it takes 10 days from receipt of the check to process it. I stated multiple times it's been almost 6 weeks. He reiterated that all he can do is reescalate the problem. This isn't acceptable and now it shows past due on my loan from a check they received and cleared over a month ago. The supervisor kept asking where it was mailed to even though they have recieved and negotiated the check. I felt like I was being blamed for it taking them so long to post my payment. On today, XX/XX/XXXX, I again chatted with customer support. She stated the check is still processing. She confirmed they received the check but that she would escalate the problem. When I asked her if this would effect my credit she stated it could. I have had this loan paid off for over a month and they are still holding my check. They never sent me any notice nor have they given me any reason why theyre not posting it. In the mean time, theyre harassing me with past due payment notifications. I just need them to post my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After a review, I found billing mistakes in my credit report with late payments that seem out of place. Please correct these errors and update my account.

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 2024-11-15 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX Account Name : 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 2024-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I have about {$55000.00} in private student loans with XXXX. I had the private student loans since the mid XXXX. I recently found out via email that a company named Mohela has taken over my private loans account. This week, I was notified via email that my forbearance was subject to expire on XX/XX/XXXX. I did not authorize or advise XXXX or Mohela to start a Forbearance on my private student loans. Not in the year of XXXX or XXXX. I did not apply at all nor did I want a forbearance on my private student loans. I do live in the state of Florida but I was not affected by any hurricanes, any natural disasters or harsh weather circumstances. I do not authorize XXXX or Mohela to apply any future forbearances unless they get my approval or if I personally apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
XXXX ) XXXX : OPENED XXXX CHARGE-OFF XXXXPAST DUE XXXX XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE XXXX XXXXXXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE XXXX XXXXXXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  : OPENED XXXX CHARGE-OFF XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  : OPENED XXXX CHARGE-OFFXXXX- PAST DUE {$7700.00} THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE XXXX XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE XXXX XXXXXXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Reviewing my recent credit report, I discovered several accounts that appear to have been added without permission. Please ensure these fraudulent accounts are blocked and removed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
The company, Apple Card, claims to investigate fraud, account take overs and unauthorized charges but they merely collect all kinds of information. They then submit that to their non-existent " Investigation Department '' and every time you call in you are sent to low level customer service people who will only open up new disputes. 

Apple Card by Goldman Sachs has " investigated '' eleven times and each time they reverse the information and charge the disputed amounts as new charges. There are ten late marks on my credit report, my score has dropped tremendously and I am receiving harassing calls, texts and emails from external collections people. Apple recently opened up a dispute and claimed to be putting collections and negative reporting on hold while the dispute resumed. This never happened and they consistently report a negative mark to the credit bureaus every month. Nothing is due to them as every bill was paid before the end of each month. The statements below show the payments, fraudulent charges and rebelled amounts. The total cost to me for all of the fraudulent charges and for each reversal has been in the amount of {$86000.00} All of this is from their very own statements. I also have the statements from my bank verifying the payments that were made. 

It is extremely frustrating to call in to their phone number as there are no decision makers to end this and refund my money. My last call this week to try and resolve this was so incredibly upsetting due to the only solution offered was another dispute! Supposedly, someone from the dispute department will be calling me but they have no knowledge of when this person will call, if they are in the US or if they can resolve this matter. If I miss their call then I can't call them back evidently. Calls from an unknown number usually are automatically sent to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Experian, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my XXXX XXXX. 

The unauthorized identity theft inquiries are as follows : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter.

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue.

Thank you for your prompt attention to this matter. 

Sincerely, 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