vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 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:
My account with 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 those account to 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. 


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 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 2024-08-09 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: FL

Complaint narrative:
My account with 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 those account to 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. 


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 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 2024-08-09 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: CITIBANK, N.A.
State: GA

Complaint narrative:
This is a fraudulent account that Ive disputed with Citibank. Ive provided document in support of this. This account needs to be deleted.

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 2024-08-09 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: NJ

Complaint narrative:
I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I have discovered several inaccuracies, such as false account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are having a significant impact on my financial security, and I urgently seek your assistance in resolving these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Over the past at least 20 years Wells Fargo Home Mortgage has been giving me issues with releasing funds refunded to me wether its from the escrow or refunds from a loan modification that I did with them. My ex husband and I was on a loan together. I filed for divorce and the home was granted to me as alimony in solido. I sent that to Wells Fargo. An escrow check was issued afterwards. I was asked to in order to reissue the check in only my name I needed to get him to write a letter stating that he no longer has interest in the property. I did. It didn't last long because sometime after another check was issued. I called back, then they tell me that I need a Quit Claim Deed signed by him in order to have future checks to only be issued in my name. I had to contact him to get that done, nw mind you I've remarried by this time. I bit the bullet and got that done and submitted. Over the years when a check is issued I've had to call in and resend the same documents that I've sent over 20 times to them. In XXXX I sold the home, without having his signature of course because of the Quit Claim Deed being filed. This week ( XXXX ) I received another check from them mishandling the loan modification in which case I didn't need his signature to apply for that, but I'm being asked to get him to sign another letter. This is ridiculous! The Quit Claim Deed according to my attorney automatically dissolve his interest. They are holding my funds due to me illegally. I am exhausted dealing with these people who willy nilly changes their rules at will. This is something I should no longer have to do. This is my money and they are making it difficult for me to have it. Something needs to be done about this. So per my attorney I am filing a formal complaint for this to be investigated and set right for 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 2024-08-09 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: NJ

Complaint narrative:
I received an email from XXXX XXXX that I had a new inquiry on my Transunion credit report dated today, XX/XX/year>. I was working all day and have not applied for any loans, etc. The creditor was listed as XXXX XXXX in XXXXXXXX XXXX. I called the number listed on XXXX XXXX and was told that it was today but they were saying it was Transunion that pulled the report. After obtaining my credit report from Transunion, the name is spelled " XXXX XXXX '' and the address listed is in Texas, where I have never resided or been to. I am not sure if this is fraudulent or if they simply ran the wrong credit but I was advised to make a 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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days to 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. 


XXXX XXXXXXXX XXXX XXXXXXXX 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 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 2024-08-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had put in the first step of the Amex platinum application to see what my welcome offer was. I saw the welcome offer and did not like it so I applied using a referral link for a higher welcome offer. I closed the tab with the application for the lower welcome offer. The application for the higher offer was submitted and denied twice. Upon checking the application status it said the application that I did not submit was approved and my card was shipping. It said the reason for the rejection of the higher welcome offer was because I was previously approved for a card. I immediately messaged Amex in a chat and told them I did not submit that application and to not ship the card. I then got an email saying my card would be shipping while they were telling me there was no approved application. I reopened the chat and they tried to convince me to keep the card and I demanded they cancel it. They said it was cancelled. The next day I got an email saying my card was shipped and arriving the next day. I called Amex immediately upon receipt and the first representative transferred me back into the greeting system. The second representative transferred me to the fraud department who promised to close the card and then transferred me to the application team with no context. The application team agent was very rude and transferred me back to the fraud department. I do not trust this company and the customer service takes 2-3 hours on the phone to resolve an issue of fraud by Amex opening accounts without customer authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
The account from SPRINGOAKCAP ( XXXX ) has been reported on my credit history, which has been perplexing for me since, until the moment I checked my credit history, I had not received any notification from the original creditor ( XXXXXXXX XXXX ) or from the collector that an account would be transferred to a third party. This has been problematic as their presence on my report has significantly affected my finances and credit applications. I filed various disputes with the credit bureaus, requesting validation of the information, as well as with the collector regarding how this transfer of my credit information was handled. I did not receive a response from them, so I decided to take action and submit this complaint. 

Based on a preliminary investigation and analysis of my credit report, I noticed that the account is being reported irregularly among the credit bureaus, providing incomplete information that varies between them, and even some bureaus do not report the account at all. My research shows that these discrepancies fall under the definition of violations of sections 15 USC : 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), 15 USC 1681 ( a ), 15 USC 1681s-2 ( a ) ( 2 ), and 15 USC 1681n . Given these facts, I determine with certainty that the account does not meet the legal requirements to be reported on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
In XX/XX/XXXX I struggled with my credit cards and loans debt ( health problems and medical bills ) and decided to be enrolled in a debt consolidation program with Freedom Debt Relief. I was told and explained that if I signed the agreement I don't need to worry about paying each creditor separately. I just pay around $ XXXX monthly. The company will take care of my payments to the creditors and will negotiate lowering the debts. 
I signed a contract that my debts of an estimated amount of {$26.00} XXXX will be reduced to about {$20.00} XXXX to be paid : {$14.00} XXXX program settlement amount, {$6000.00} company 's fees and around {$6000.00} savings amount. The company negotiated with creditors and I signed all the negotiators ' contracts. Unfortunately I was not aware and not informed by FDR that they didn't take care of my monthly payments for several months. Later on I found out that my credit score went drastically down because there were 32 late payments reported in my credit report. 
Meanwhile I was informed by XXXX XXXX from FDR that I have to take out a loan and from now on make payments to XXXX XXXX company if I want to continue the program. I happened to figure out that XXXX XXXX  is a sister company of Freedom Debt Relief. In XX/XX/XXXX I was not informed about taking a loan and paying extra money. 
By XXXX I started to research and calculated that I have already made payments in total of almost {$18.00} XXXX but XXXX XXXX was expecting me to pay additional {$15.00} XXXX which would make a total of {$31.00} XXXX instead of around {$20.00} XXXX that was clearly stated in the contract. I called FDR and XXXX XXXX agents several times trying to negotiate the amount I owed but without positive outcome. During the Covid time I was still making smaller payments until I decided to stop payments thinking about a written contract and agreement with FRD.I refused to pay additional {$15000.00}. They were harassing me with the calls regarding payments and finally on XX/XX/XXXX my case was passed to the Collection Agency that reported me again to the Credit Buro and my credit score went down again. 
Here is my complain : 1 ) Freedom Debt Relief company ruined totally my credit history and score 2 ) FDR was dishonest with me and broke the contract that stated estimated total payment of {$20.00} XXXX instead of {$31000.00} 3 ) FDR forced me to take a loan from their sister company XXXX XXXX 4 ) A lot of fees I had to pay to both agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Please see attached ( also company and debt collector are reporting the same alleged debt at the same time which is a violation )

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 2024-08-09 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-09 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: IN

Complaint narrative:
My account with ( 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 those account to 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. 


( 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 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 2024-08-09 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: MD

Complaint narrative:
I couldn't believe my eyes when I saw inaccurate accounts on my credit report this morning. I regularly check my report, but this time there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the errors were still there. Im really concerned, so Im requesting that the documents I've submitted be reviewed carefully so that I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: PA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
We are now retired and living on a fixed income and need a loan modification. We've been going through this since XXXX and we have provided all the information they need, but they keep asking for the same paperwork over again and twice in 2 months they've sent some goons to our front door with an intimidating message to call them despite me taking all their calls. This is an intimidating mobster type move and they've done it twice. We are working with a law firm and they are having problems dealing with them. This is M & T Bank.

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