vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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:
I am not liable for the late payments with ( XXXX ). Three late payments were stated on this account that were in fact paid on time. All 3 credit bureaus are giving inaccuracies stating the late payments were in different months that do not coincide with each other. 

The consumer reporting agencies did not report all information with accuracy. This account has NEVER been late on payments and I've attached a copy of my report from IdentityIQ for the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] I demand these payments be updated to the correct data that they were paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-05 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: CA

Complaint narrative:
I am not liable for the late payments with ( XXXX ). Three late payments were stated on this account that were in fact paid on time. All 3 credit bureaus are giving inaccuracies stating the late payments were in different months that do not coincide with each other. 

The consumer reporting agencies did not report all information with accuracy. This account has NEVER been late on payments and I've attached a copy of my report from IdentityIQ for the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] I demand these payments be updated to the correct data that they were paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
In 2021, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After speaking with my insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, the original billing office at the XXXX XXXX XXXX XXXX XXXX ( XXXX ) submitted bills using the wrong billing codes, so all of the bills were not paid on-time. XXXX spoke with them about the issue and never received resolution from XXXX. The outstanding balance was {$3400.00}, but XXXX has since told me it's been paid, and I have been provided with an Explanation of Benefits that XXXX has paid all balances in full. XXXX in return submitted the past due amount to an XXXX XXXX XXXX XXXX who have now taken me to court, and I have a judgement against me for {$3400.00}. None of this was my fault and now my tax returns are being garnished, this has ruined my credit because its being reported to all 3 credit bureaus, I have an unjust judgement against me and most importantly XXXX has shared with XXXX XXXX XXXX XXXX. all of my private personal information such as Doctors I've seen, my diagnosis, dates of services and procedures that I have received from this hospital treatment. I know my rights and they have violated the HIPAA Laws by releasing my Protected Health Information ( PHI ) to the collection agency and Attorney office. This private information is not allowed to be shared with anyone without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
ON XX/XX/2024 i sent a evolope to XXXX XXXX and XXXX attached in that envolope 1.idenity theft report 2.Copy of lease agreement 3. Drivers license 4. Social security card 5.dispute letter using FCRA Section 605 ( b ) deals specifically with blocking information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LAKELAND BANCORP, INC.
State: NJ

Complaint narrative:
After going through the mortgage process for over 45 days, we were asked to make a payment on an account that was difficult. We finally made the payment and they denied us after the proof of payment was given. They stated we were close to the limits of that income, but would not furnish any information on the actual debt to income policy or the policy of the bank, they stated that there was collection, action or judgment, but we provided proof that the account was paid off and there are no collections on the credit report or currently on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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 XXXX XXXX XXXX the living man has never agreed, authorized or signed, any contracts from any of these third party companies ( Transunion, XXXX, XXXX ) credit bureaus to use my personal information or to share it with others. This violates My human rights, per 15 USC 1602g I am the creditor not this company or anyone else for this matter. This is securities fraud! which i will report to the Internal Revenue Services being I never authorize any of these third party companies to the use of my personal information or my social security. These companies are not even located in the united states or florida they do not have a licence to do this where I reside. I am tired of this same running around in loops and not getting anywhere with all 3 bureaus which are third party companies. The CFPB is supposed to help us consumers in this type of fraud but they too are not helping with this issue. This is known as Identity theft. sharing personal information with any consent which I never allowed.

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 2024-04-05 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: FL

Complaint narrative:
I XXXX XXXX XXXX the living man has never agreed, authorized or signed, any contracts from any of these third party companies ( XXXX, XXXX, Experian ) credit bureaus to use my personal information or to share it with others. This violates My human rights, per 15 USC 1602g I am the creditor not this company or anyone else for this matter. This is securities fraud! which i will report to the Internal Revenue Services being I never authorize any of these third party companies to the use of my personal information or my social security. These companies are not even located in the united states or florida they do not have a licence to do this where I reside. I am tired of this same running around in loops and not getting anywhere with all 3 bureaus which are third party companies. The CFPB is supposed to help us consumers in this type of fraud but they too are not helping with this issue. This is known as Identity theft. sharing personal information with any consent which I never allowed.

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 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. On XX/XX/2020 and XX/XX/2020 I received two Bank of America checks, which I deposited for {$950.00} and {$950.00}. 

2. On XX/XX/2020 I returned {$50.00} and on XXXX I returned {$400.00} and {$500.00} via XXXX. The total amount was {$950.00}. 

3. On XX/XX/2020 I returned {$500.00} of the second check via XXXX. 

4. Later on XX/XX/2020 I was informed that the first {$950.00} was returned item chargeback. 

5. On XX/XX/2020 the second item for {$950.00} was returned items chargeback. 

As a result I was scammed out of {$1400.00}. Additionally BofA also charged by two {$12.00} NSF fees on XX/XX/2020 and XX/XX/2020 for the returned item chargeback fee. 

The checks in question both turned out to be fraudulent checks. They both indicated they were drawn on an Bank of America account. I contacted Bank of America and they indicated the XXXX account the funds were deposited into was a Bank of America account, but that they could not share any additional information with me. They have never provided any additional information to me regarding my request to be reimbursed for these fraud losses. 

I feel Bank of America should have been able to assess an on us Bank of Amercia check as being fraudulent on the day they were deposited and immediately returned. Additionally, since the XXXX transfers were part of a fruad dispute and they indicate the funds were deposited into a Bank Of America account, they had the opportunity to seize the funds, freeze the account and research the transactions. Instead they did nothing and simply have left me with {$1400.00} in losses and {$24.00} in fees. 

I would like the CFPB to request more information as Bank of America should not be able to profit from fraud, by charging me fees and if Bank of America becomes aware that XXXX payments were fraudulently transacted into a Bank of America account that they could recovery my funds. Your help in this matter is appreciated.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was charged a late fee in XX/XX/2024 of {$29.00} because my payment was sent TOO EARLY. I received another late fee of {$49.00} in XXXX, for the same reason, TOO EARLY, but in addition the amount due for XXXX was not correct. I called the phone number given on my statement and was told this happened because it was not within the billing cycle. No where in my documents does it state I will be charged a late fee for an early payment. The technician I spoke with removed the second 'late ' fee, but would not remove the first even though, as I explained to him, that the error of the second fee was a result of the first late fee error. I want both late fees removed as nowhere does it say in the agreement documents or statements that a payment received early will incur a late fee. And since XXXX the minimum payment due that is shown is not correct and these statements should be fixed.

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 2024-04-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, Hope all is well to whomever reaches this email. This is my statement and appeal on not being satisfied with the outcome of my dispute. This Wells Fargo bank card was opened by an ex partner of mine, who lived with me, and who had my login information for my account. It was a domestic XXXX relationship, and after we had parted from one another, he opened up a Wells Fargo credit card account without my authorization with my information. He then transferred money from my checking account to pay for this credit card. 

When I spoke to Wells Fargo about this, they said that they could not remove it because it was opened online. Anyone can open up an account online if they know your information. I agreed to pay {$130.00} upon removing this from my file, just to settle this once and for all because they mentioned that they would delete this from my credit report in XXXX of XXXX, and I had made this payment in XXXX of XXXX. 

Because they did not Delete this from my report I had to file another police report as well as a new FTC report. I do not know what they are gaining from this when I have already filed everything that needed to be filed to get this removed. I want them to remove this as they promised, especially since i did not do this or have shown me any evidence that i physically opened this, only that my ex partner opened it up online. 

Thank you!

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
My wallet was stolen from a nearby gas station market in 2023 and accounts have shown up on my credit report. My drivers license, social security card, medical insurance and debit card were all inside and had to be replaced. 

Im asking for the account to be closed out, as its affecting my credit score and not valid. One account was closed out, however this one still remains. Please assist further thank you!

I have no known knowledge of this company or the open account associated with netcreditXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-04-05 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint 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 explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: FL

Complaint narrative:
I was contacted by Grant & Weber regarding a debt claimed to be in my name. When I first communicated with their point of contact, they claimed to have no actual detail- just an amount I supposedly owe. The representative indicated they would get more information and contact me back. A couple months later they began to reach out, and after receiving a voice mail, I returned the call. I was told that I had opened an account with XXXXXXXX XXXX XXXX XXXX Credit Union, and I believe the claim was that the account was deposited into, but then overrun. The account is not mine and I have never had any relationship or application to this credit union located in California. I was never contacted by the credit union and there was no record of the credit union in my otherwise perfect credit reports prior to Grant & Weber aggresively asserting I owe a debt which has relation to me. They claimed I applied for the account and they have evidence of whatever debt I supposedly owe - they had personally identifying information and an address from 12 years ago, which is why I am concluding this is identity theft. They indicated they would provide such evidence and have not. Rather a week after my last verbal communication ( letter dated XX/XX/2024 ), they send a demand notice requiring payment by XX/XX/2024. The invalid debt is for XXXX amounts of {$4900.00} and {$4900.00}. I have taken action to file a dispute with XXXX will similarly be doing so with XXXX and 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 2024-04-05 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Re : XXXX XXXX XXXX, XXXX, MA, XXXX Shellpoint, XXXX XXXX  and attorney XXXX XXXX have claimed that I am responsible for someone elses debt and it is impacting my ability to earn a living, my credit report, and my finances. 

I am not responsible for the note

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I also filed a CFPB complaint with the ID # XXXX and you failed to respond. XXXX and XXXX have since removed this account. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX  I ( Original Creditor : XXXX XXXX XXXX ) XXXX. Delete the aforementioned account from my credit report for failure to adhere to FCRA regulations and failure to enter a notice of dispute on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: TN

Complaint narrative:
I inherited a time share from this company. Upon speaking with them, I was told that since the timeshare was paid in full minus the dues that all I had to do to return the timeshare to them as I didn't want it was to let the dues go. I didn't pay the dues and then nothing happened, a year later I get a bill for 2 years dues. They refuse to speak with me now on the issue and have since turned it over to collections. Which I have disputed with the collection company. They keep removing it from my credit and adding it back with a new date and amount.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to report the account listed as XXXX XXXX incorrectly. When an account is closed with a balance due the amount over a {$1.00} is credited to the consumer so reporting the late payments and charge off is not correct and a violation of FCRA which are my federally protected rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not give authorization for a hard credit pull and its hard pulls for an automobile and I 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 2024-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I moved into The XXXX XXXX XXXX XXXX XXXX  XXXX weekend of XXXX. From day one there were major safety issues. Due to their fire sprinkler system remaining out of code, apartment fires followed by floods caused by their faulty sprinkler system became a common trend. So much that renters insurance would no longer provide coverage. The aftermath of the fire and floods caused XXXX to be in apartments without notice, requiring industrial fans 24/7 paid at tenants responsibility in addition to constant black and other toxic molds due to the building never drying out. Due to the catastrophic nature of residing here, for my safety I needed to move prior to lease ending. Again due to the ongoing issues I was allowed to end my lease early. Shortly after, The XXXX  switched management companies and all prior communication, written and verbal vanished. Their leasing team was outsourced and I was no longer able to reach anyone there. After I was finally able to move, The XXXX sent me to collections for over XXXX, that account is currently owned by Hunter Warfield, and this has made it impossible to be approved for a new apartment lease elsewhere. Any help that could be provided will be greatly appreciated.

Company response to consumer: Closed with explanation