vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: OH

Complaint narrative:
I have a consolidated loan, with XXXX XXXX  and XXXX XXXX component. The XXXX  loan has a XXXX balance. When I go to make a payment on Mohela 's website, and choose " Specify for Each Loan '', I enter the payment amount for the loan with remaining balance and {$0.00} for the loan with no balance. When I preview the payment, the system always allocates {$170.00} to the loan with XXXX balance, and I now have a credit on that loan in the amount of {$870.00}. I've called customer support XXXX times. On XX/XX/XXXX, the rep submitted a request to have my credit moved to the loan with a balance and thought it might be a technical issue. She said to call again if it happens the next time I make a payment. I called again on XX/XX/XXXX as 1. the credit had not been applied yet and 2. the system is still auto-allocating to the loan with no balance. I was told by the rep that she is able to specially allocate when she tries it, essentially being told that my problem doesn't exist. She also submitted another request to have my credit transferred to the loan with the balance. I thought perhaps the bug was browser-based, so I've attempted to make a special-allocation payment in different browsers and I continue to get the same result. Because I had a payment due, this time I called Mohela 's support line to have them make my payment on the phone. The rep confirmed that the entirety of my payment would be applied to the correct loan. But alas, when I logged in a few days later, the payment continued to be misapplied. I am hesitant to continue making payments if my payments are not being allocated correctly ; it feels like Mohela is holding my money XXXX in a XXXX XXXX interest account. Not to mention my overall interest burdon should've been lowered over time if the payments had been applied correctly. No one at Mohela that I've talked to can tell me exactly how to make a payment in future that won't be misapplied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-07-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Revco Management, LLC
State: WV

Complaint narrative:
We have a bill with this credit collections company. We have been making payments on that bill for a while now And the total amount never seems to go down. We have paid at least {$600.00} in the last 7 months and the amount remains what it was when we 1st started.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: CA

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance

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 2024-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance

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 2024-07-09 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: NV

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-07-09 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I don't recall ever agreeing to a contract with your collection company. Provide proof that this account rightfully belongs on my credit report and that my rights haven't been violated, or terminate this account immediately. Under 15 U.S. Code 1692e ( 6 ), debt collectors are legally bound to avoid false information or misleading statements about the nature, amount, or legal status of a debt. It's illegal to make deceptive claims or misrepresentations regarding the debt being collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I noticed an inquiry from XX/XX/year> from OneMain Financial that I do not recognize. Please remove from my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Between the date XX/XX/24 and XX/XX/24 SYNCB/Care Credit decreased my credit amount by {$3000.00} to a limit of {$2900.00} ( account balance ) ; Previously {$6000.00}. It dropped my score in XXXX by XXXX points and XXXX by XXXX points. There was no notification of the change and when I went to use my card to pay for a dental bill I did not have the balance to support it. I requested an increase through their app and it was declined. 

I reached out via live chat, told the agent that since I applied for the account my credit score, and income had increased, while overall debts decreased and there was no reason for them to decrease my limit. The only thing I can think of was that it is not a frequently used card for me. She attempted an increase but due to my new much lower score I was denied. 

I have XXXX accounts through Synchrony. Previously I had XXXX other accounts that were closed by them. One through Value City Furniture that was closed due to lack of use, the other XXXX that was closed due to company closing/buyout. All of this has effected my credit score over the years. I think it's unfair that without my doing or control they can have such an impact and no requirement to make it right. My payment history in all reports is stellar, and until this change my credit usage was under 20 %.

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 2024-07-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Chelseamac, LLC dba Briteside Solutions
State: FL

Complaint narrative:
I am filing a complaint against Briteside Solutions for deceptive business practices, misleading information, and failure to deliver promised services regarding their credit repair program, potentially violating federal and state consumer protection regulations. 

I enrolled in Briteside Solutions credit repair program, paying over {$8000.00}, expecting assistance in resolving and improving my credit. However, the services provided left me in a worse financial situation than before. 

Despite following account managers ' guidance, I now have collections on my credit report, severely affecting my credit score. This has made it impossible to take out equity from my home during a family emergency. Additionally, I faced three lawsuits and now need to pay back all disputed accounts, costing me thousands of dollars ( approx. {$10000.00} ). 

I believe Briteside Solutions engaged in deceptive and misleading practices. They misrepresented their ability to resolve my credit issues, resulting in significant financial harm. Their failure to deliver on their promises constitutes a breach of contract and deceptive business practices under consumer protection laws, specifically the Credit Repair Organizations Act ( CROA ) and potentially the Federal Trade Commission Act ( FTCA ). 

The CROA prohibits credit repair organizations from making false or misleading statements and charging fees for services not yet performed. The FTCA prohibits unfair or deceptive acts or practices in or affecting commerce. I believe Briteside Solutions ' actions are in direct violation of these regulations. 

I feel scammed by this company. They promised to improve my credit, but instead, I am left with more debt and unresolved collections. I am extremely dissatisfied with the service provided and the false promises made by Briteside Solutions. 

I am seeking a full refund of the {$8000.00} paid to Briteside Solutions for their credit repair services, as well as compensation for the approximately {$10000.00} I now need to spend to resolve my credit issues. I also request they take immediate action to remove the disputed accounts from my credit report and correct any negative marks they caused. 

I hope the CFPB can assist in resolving this matter. The service I received from Briteside Solutions has been highly unsatisfactory and caused significant financial hardship. Their deceptive practices and failure to deliver on promises must be addressed. Their actions may also constitute violations of the Credit Repair Organizations Act and the Federal Trade Commission Act.

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 2024-07-09 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-09 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX takes off a large amount of my points whenever something is reported bad. When something is reported good they give me a couple of points. I'm working to build my credit and it's hard when credit bureaus want u to pay a fee for fico score update and more. If you don't, you get poor treatment. My fico score hasn't been updated in months and that's only when my report is ran for false pre approved cards

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 2024-07-09 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: NJ

Complaint narrative:
Please check the documents I've sent regarding this matter. I always my check my credit report during mornings and I noticed that there are inaccurate accounts appearing. I don't know why they're appearing but please do remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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. 

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 and list of Inquiries. 

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 explanation
Consumer complaint received 2024-07-09 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: DE

Complaint narrative:
I checked my credit report this afternoon and I'm still disappointed as there are inaccurate accounts showing 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 explanation
Consumer complaint received 2024-07-09 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: NJ

Complaint narrative:
I always check my credit report during mornings and I notice that unauthorized inquiries are appearing. I don't know why they're appearing but please do remove and block them. Please check the documents I've sent regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently received a copy of my XXXX credit report and noticed Bank of America is updating monthly and reporting open accounts to XXXX in my name with a balance. I contacted Bank of America and XXXX multiple times and XXXX tells me the information they are receiving is coming from Bank of America and is 110 % accurate and Bank of America tells me they are not reporting anything to any credit reporting agency 's. it has been going back and forth, both blaming each other and when i call they say they have no record of me disputing anything, even when i provide the same confirmation number they give 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 2024-07-09 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: NV

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NV

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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