vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization on XX/XX/year>, asserting that I owe a debt of {$1300.00} related to Account No. redacted 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information.

2.Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal laws. 
Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
At what point in time will CPA enforce action against Marcus Bank? On XXXX I filed a complaint XXXX as I received an email from Marcus Bank informing me that I needed to contact them. I did so and previously provided all RECORDED phone conversation with times/dates, etc to you. After being transferred from one confused Marcus employee to the next, the conversation ( last ) ended with a woman named XXXX code : XXXX ... she indicated that a Manager would most definitely call me on my cell number : XXXX XXXX XXXX within 3-5 business day... Well today is XX/XX/year> and rest assured and make NO mistake about it ... .I carry my cell phone with me always ... NO ONE from Marcus Bank ever contacted me as committed on a recorded line about this " issue '' that I am left in complete " limbo '' about... I have NO idea what the problem is and what the reason is that I got such an email stating I needed to contact them right away on XXXX. It is well over 3-5 business day ... Meanwhile, get this : Yesterday, XXXX I received a generic letter from Marcus. Unsigned, and referenced NO account number ... The letter said, " in response to my recent inquiry '' enclosed are the documents I reequested.. Affadavidt of Identity. Number 1... .at NO time, did I ever request any document from Marcus Bank # 2 ... ..all that I was waiting for was a simple promised phone call from a manager telling me the reason I got an email on XXXX stating to contact them right away. This bank ( Marcus Bank ) has displayed a pattern of utmost " insanity '' " confusion '' " incompetence '' and " poor bank records '' and " incompetent employees ''. Their MUST be some form of enforcement action from your agency. I am the consumer!! Please also refer to the complaints filed at the end of last year! Look at the horrendous mistakes they made on my prior complaints. I am asking that this problem be resolved and that I am informed " what the problem is '' " what account '' and " why '' I recd a letter alleging I asked for documents. Again, all phone calls can easily be pulled and listened to to prove my case! Pure insanity at this bank to say the least!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly 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 non-monetary relief
Consumer complaint received 2024-10-03 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: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-03 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: MI

Complaint narrative:
I looked at my credit reports, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts 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 2024-10-03 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:
I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On ( XXXX, XXXX XXXX ) I sent a letter to Equifax notifying them of the reinsertion of XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending a letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifaxs actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolved this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: MD

Complaint narrative:
The delinquent payments shown on my credit report XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XXXX XXXX XXXX account XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX Also information inaccurate for XXXX  not mine. Equifax keeps saying they did investigation and account was not deleted!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and New York Laws Dear COMENITYCB/ZALES, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft fraud laws under New York State Penal Law 190.80 . 

It has unequivocally come to my attention that COMENITYCB/ZALES has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1

681b ( a ) ( 2 ). In addition to federal law, New York State law , specifically under Penal Law 190.80 ( Identity Theft in the First Degree ), underscores the seriousness of unauthorized access and misuse of personal information, including unauthorized credit reporting. Such actions not only violate my rights under federal law but also infringe upon New Yorks stringent identity theft protections.

I assert with unwavering certainty that I have not provided consent for COMENITYCB/ZALES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that COMENITYCB/ZALES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New York State Penal Law 190.80 . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New York State law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that COMENITYCB/ZALES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: WESBANCO BANK, INC.
State: OH

Complaint narrative:
Hello XXXX, I wanted to share my frustration and concerns that I am currently having with WesBanco. Please see the attached email threads for an explanation and history. 

I understand XXXX is currently out of the office until the XXXX. I would like a complete explanation and reconciliation on this issue on Monday the XXXX. 

Hi XXXX, I'm sorry I didn't get back to you yesterday. XXXX walked me through the situation and told me the payment was applied to your other loan, which reduced the payoff and lowered the amount of interest that was paid by you. Since the loan is paid off, I'm not sure what we can do? I'm sorry if this was an inconvenience to you. 

Regards, XXXX XXXX XXXX & XXXX Business Development, WesBanco Bank , Inc . 
XXXX XXXX| ( XXXX ) XXXX XXXX www.wesbanco.com XXXX, XXXX, this was not approved my me to take my payment on a specific loan payment and apply that payment to another loan. There has been no communication, confirmation of said payment and to what account the payment was applied to. This was not authorized by me. 

You mentioned that the payment was applied to another loan? What loan are you talking about and where is the reconciliation of the payment. I would like to see an exact principal balance prior to this payment being applied when it was paid and what the balance currently is. 

You ask if this has inconvenienced me, I have been requesting information since I paid the original loan off on XX/XX/year>. In the attached letter from Wesbanco where does the letter mention that by {$270.00} payment was applied to your other loan. What does that even mean for a financial institution to proceed in this manner? 

I am requesting a refund of {$270.00} for the overpayment of the below loan and attached letter. 





I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: American Financial Resources, Inc.
State: FL

Complaint narrative:
Good Morning, We have a VA Construction Loan with American Financial Resources. We got the loan XX/XX/year> when construction was supposed to start. The company we hired, XXXX XXXX, drug their feet for months, turns out they didn't do anything and stole our money, 10 % draw from the bank and 10 % cash from us. We have filed felony charges and a complaint with XXXX  against the builder but my question is about how much culpability if any the lender has. When we opened this loan we were told that there wouldn't be any payments due until after construction completion and we thought cool because by then we will have sold our other house and could pay down the loan to make the payments more reasonable. Turns out they added the first year of mortgage payments, over XXXX, into the loan and were making payments to themselves, this may be standard practice, but was not relayed to us before loan closing. When we saw the payment slip in the mortgage info we reached out to the mortgage company we used XXXX and he said we don't make payments on the loan until construction is complete so I thought maybe they put the wrong year on that example payment slip. We should have noticed the amount of the loan was more in the end but with all the legaleaze and fees who knows what's what is those contracts not to mention it was like XXXX pages long and we had a notary sitting there and felt rushed to sign it. When we realized the construction company had stolen our money we reached out to the bank and asked if we could just close the loan instead of making XXXX in interest payments per month on nothing while we figured out if we could find another builder or not. This was actually our second builder. In order to close the loan we had to pay all the closing costs and those first 6 months of payments they paid to themselves equaling over XXXX. We tried to find another builder but they wanted an additional XXXX on top of what was left in the loan and with what has already been stolen adn the fact that nothing runs on budget, we decided we just can't afford to do this. So we borrowed some money from my mom and emptied our savings to pay the loan off just se we aren't paying over XXXX in interest on nothing. I am not sure if the bank did anything wrong or if they have any obligation to actually help in a situation like this but everyone has gotten a XXXX payday off of our misery. I am even having to fight the VA to get our funding fee back which is just crazy since we technically don't have a VA loan yet because it never even got that far. Thanks for any help/guidance you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief