vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NCB Management Services Inc.
State: OH

Complaint narrative:
I am disputing, yet another violation of my consumer rights. Under 15 US Code 1629c ( c ), it clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector MUST CEASE ALL COMMUNICATIONS. I have been receiving constant phone calls, text messages and emails and at will to sue! 

I do NOT have a contract with these collection companies and have no knowledge of them. Therefore, you must DELETE from my credit report immediately. 

XXXX ) NCB Management Service Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to process the claim - XX/XX/XXXX : XXXX paid the Bank of America XXXX XXXX XXXX , the leasing company - XX/XX/XXXX : I called BofA to verify my account was fully paid off. The call was recorded and they confirmed it was paid off/ no amount owed by me - XX/XX/XXXX : I called BofA asking for a refund of my XX/XX/XXXX lease payment. In that recorded call, they confirmed again there was no amount owed by me - XX/XX/XXXX : I received a letter from BofA saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that BofA had closed this account and that I owed more than {$15000.00} - Last few days : I have called BofA repeatedly trying to figure out what is going on and they have extended their resolution timeline from XXXX hours to XXXX business days to XXXX  days to now " you'll get an update on the status in the next few weeks ''. I also confirmed with BofA that their system is showing many different possible numbers that I might owe, from {$0.00} to {$17000.00} and none of the # s tie to the {$15000.00} that was reported to the credit agencies. 

This situation is unacceptable. This is a hugely negative impact on my credit on an account that I was repeatedly assured has a {$0.00} balance and I have no visibility on when it will be resolved

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 2024-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Today, I discovered a new inquiry from a XXXX XXXX  that I did not authorize or initiate. This discovery has led me to file an Identity Theft Report to protect myself against further damage. 

Regrettably, I am deeply disappointed with the lack of urgency displayed by the XXXX major consumer reporting agencies ( XXXX, XXXX XXXX Equifax ) in addressing my previous correspondence about discrepancies found within my credit reports over the last few months. These agencies failure to comply with the Fair Credit Reporting Act ( FCRA ) guidelines has resulted in continued reporting of derogatory information that does not belong to me and are so inaccurate. I have sent them screenshot of the inconsistency of their reported data and until now, NO changes has been made, the invalid accounts are still there, which are supposedly long been removed and deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-09 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: NY

Complaint narrative:
The late payments showing on these accounts are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Section 609 states that I can see any sources or documents you have on record regarding this account, including the original contract bearing my signature. 

Please send all documents to the above address within XXXX days of today. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

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 2024-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-09 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: IL

Complaint narrative:
I have not authorized these inquiries, and they have nothing to do with my financial activity. I want my credit report to be immediately updated with their removal.

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 2024-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
The information listed below are unauthorized inquires, which appears on my credit report, does not relate to any transaction ( XXXX ) that I've made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
In XXXX of 2023, I worked with XXXX XXXX to install Solar Panels at my home. They had referred me to Mosaic for lending, which was an easy experience. After installation of my Solar System, I had noticed two issues : Issue 1 : I had sent an Online Bill Pay from my consumer Bank, which had estimated delivery on the due date. After receiving calls every 2-hours from Debt Collection Agencies and the company directly, I had noticed on their website, requiring me to pay " 10 days in advance '' to make sure they had enough time to process the payment. After obtaining, 9-10 calls per day from blocked/unknown callers ( and emails ) I had seen them post/backdate my payment to XX/XX/XXXX. The last email was received XXXX ( I had blocked the phone numbers due to harassing phone calls ). When reviewing the website and agreement, there are no fees and not considered late until 15 days after my due date. This is extreme debt collection practices. 

Issue 2 : When explained by the lender that this would be a traditional installment loan with interest accruing through the advance process, to the payment process. I had noticed my first XXXX payments did not go to impact principle but 100 % towards interest. When reviewing my loan contract, there is a singular line that allows them to process payments at their sole discretion. This is one statement embedded in the document that I feel is extremely deceptive when being sold a " traditional installment loan ''. There is no accounting or delineation of interest accrued during the " deferred payment '' portion. By not applying or giving me an accounting of the accrued interest, I feel that they are unreasonably increasing my debt and interest payments to their sole benefit. Between their sales lending agent and their referring business - I was not given full disclosure of the loan terms that have now materially changed on my Truth in Lending that was given to me.

" b. Payment Application. Payments will be allocated in our discretion, subject to applicable law, including to any fees or costs or expenses payable to us under this Agreement or that we incur related to enforcement of this Agreement as further described in Section 10 ( Remedies ) below. To the extent permitted by law, we reserve the right to report to consumer reporting agencies any delinquent payments under this Agreement that are not paid within thirty ( 30 ) days of the applicable due date. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America is joke and you have XXXX bank managers that are tampering with bank accounts blocking them so funds can not be withdrawn and putting people lives in jeopardy. I have reported to the Fraud Dept with BOA but they will not do anything since I do not have a bank account with them and will not update me or if they are going to do anything. 

The bank managers names are XXXX XXXX and XXXX XXXX with Bank of America in XXXX XXXX Texas at the branch located at XXXX XXXX XXXX XXXX. These XXXX men have tampered with a bank account that they had no business messing with and have taken fees from me in the amount of over $ XXXX. These men need to be stopped and lose their jobs. I have emails and threatening messages from them if I do not send fee 's but nobody seems to want to help. 

They have also given out my personal information to a man that is creating social media accounts under my name with my information. 

What is wrong with people? These people are crooks and need to lose their jobs and face criminal charges.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
After receiving a late payment notice via email today I tried to call Bank of America to clear up the issue but the associate hung up on me. 

* Issue : Bank of America ( credit card company ) has been assessing me late fees since XX/XX/XXXX for allegedly insufficient minimum payments, despite me making on-time payments. 
* Details : I've consistently made on-time payments, but the bank claims they were not the minimum required amount. The bank never notified me about the incorrect minimum payment amount or the outstanding balance until I received a past due notice via email today XX/XX/XXXX. The account is on auto-draft so payments are made automatically. 
* Request : Request a refund of all late fees imposed from XX/XX/XXXX to XX/XX/XXXX and correction of any late payment reporting to credit bureaus.

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 2024-04-09 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: NC

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: VA

Complaint narrative:
These inquiry have no bearing on my financial operations, so I decline them. I'm demanding that they take immediate action to get off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX - We received an escrow analysis as our mortgage was coming up on a year old. The escrow analysis identified that we would be be receiving a check as we had a surplus of over {$3000.00}. Additionally, the new ( same ) escrow payment was based off of an estimated tax payment that was nearly double our current tax payment that we paid in XXXX of XXXX. Due to this, the loan servicing company was going to incorrectly hold an additional {$3000.00} or so again, which is way over the XXXX escrow cushion allowed by law. 

XX/XX/XXXX - After identifying the issue above, I reached out to notify the loan servicing company of this issue. The agent initially denied that there was any issue with the payment and I was incorrect, however after 10 minutes or so agreed to submit a request to have a re-analysis performed. I do not remember the date they mentioned the analysis was going to be completed, but I believe it was somewhere around the XXXX of XXXX. 

XX/XX/XXXX - When the XXXX of XXXX came, no new escrow analysis was available on my account and the payment remained the same. I called the loan servicing company again and spoke to a different agent this time. They informed me that the escrow analysis was completed and no changes were made. Upon the agent 's review of the escrow document however, they did note that an incorrect tax amount was being used and again requested a new escrow analysis. The agent also identified notes were placed in the file that a new tax amount needs to be used. The new analysis for this call was to be completed no later than XX/XX/XXXX. 

XX/XX/XXXX - No new escrow analysis was available so I called once more. A different agent from the first two answered, and proceeded to read the case notes after I described what was going on. They saw the issue and agreed with the second agent, and were not sure why a new analysis was not issued. They mentioned that they could submit another request, and I asked if there was any way to escalate this issue since we had tried two times before with no success. The representative mentioned that they would talk to their supervisor and told me they would call me back by the end of the day. As of the time of writing this ( XXXX ) no call has been made to me in regards to this issue. It does not appear they are interested in fixing this issue which is why I am making this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: AR

Complaint narrative:
I did not start these inquiries, and I am not connected to any of the creditors listed. Please take them off of my credit report right away.

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 2024-04-09 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-09 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:
I have not authorized these inquiries, and they have nothing to do with my financial activity. I want my credit report to be immediately updated with their removal.

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