vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My account with ( CREDITOR NAME ) 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 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.

( CREDITOR NAME ) 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: DISCOVER BANK
State: TX

Complaint narrative:
I received an alert that I had inquires on my credit report. 
I viewed my report and I had XXXX inquires that I did not do. 
First one was from XXXX XXXX XXXX on XXXX Discover and XXXX XXXX on XXXX both received applications with my information on them. All XXXX places have been contacted and they have reported as fraud. 
The companies are asking that I report this to have inquires removed from my credit report. 
Please let me know if I can be of assistance. 
Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate Transunion : XXXX. XXXX XXXX - XXXX XXXX. XXXX Inquiry Date- XXXX My address is XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Inaccurate XXXX : XXXX. XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, NY, 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 2024-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
We have a VA loan through Rocket Mortgage on our home which sits on 48.8 acres. The first part of this year we applied for and followed the process to get a partial release on 15 acres of the property in order to sell that portion to a family member. We completed everything required, paid all fees and the partial release was granted and the process was supposed to be completed in XXXX of this year. Fast forward to XXXX when our family member is working with their lender to get their financing and we discover that Rocket Mortgage never actually filed the Partial Release on the piece of property in question. Upon contacting Rocket Mortgage about this we were initially told that the reason that the filing had not been completed was because the fee we had paid had been applied in error to one of our mortgage payments and so the filing fee was still outstanding. We immediately paid the fee again and was told that the matter would be quickly resolved. We are now XX/XX/XXXX and the partial release still has not been filed. We have been in regular, almost daily contact, with Rocket Mortgage and have gotten nothing but excuses, finger pointing at other teams and stalling. We were provided with a Letter of Intent from Rocket Mortgage stating they did approve and intended to release the section of land in question, but the actual Partial Release still has not been filed. We have had the issue escalated to a supervisors but have been told by him that he can do nothing because he is at the mercy of the team that is supposed to be handling the filing. No one seems to be able to tell us who has our documentation, provide us with any copies of the Partial Release documentation or explain how or why this has not been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I do not have an escrow account. Therefore, I pay my own property taxes. I paid my property taxes for the tax year of XXXX in full ( State of Illinois ) in XXXX of XXXX. I sent an email with the pdf from the XXXX XXXX which showed XXXX taxes due to the following emails addresses on XX/XX/XXXX - XXXX and XXXX. I requested written confirmation from Mr. Cooper that they received proof that my taxes for XXXX were paid in full. I was advised that I would receive a response in 5 to 7 business days. I never received a response. I contacted Mr. Cooper by Chat because it is impossible to reach a person at the company. The chat person was not able to confirm that Mr. Cooper received proof that I paid taxes. I re-sent the information again to both email address today w/ the same pdf from XXXX XXXX XXXX The chat person asked for 5 to 7 more days, but I do not believe I will get any response from Mr. Cooper without your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo Dealership made me pay double on my loan every month for a year or more. They mismanaged my car loan causing me to loose my business and my apartment trying to keep up with the ridiculous payments on my XXXX 
They continually sent me letters saying they had made an error! 
They owe me all the money I paid trying to keep up with the double payments. Compensation for the stress and XXXX and pressure I was under due to trying to make payments I should have never been making. Compensation for demise if my business and living space

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: MN

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I have received more than 7 calls in 7 days most from different numbers not including emails, text, and mail from FNBO. I can no longer work and have no income so I can no longer make any payments and I am mentally unable to answer any calls. I feel as though Im being harassed and its causing me undue stress, XXXX, and trauma. Phone calls that I could verify:
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 2024-07-19 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: TX

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 30 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 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: WV

Complaint narrative:
In mid XXXX I contacted Discover Card requesting a change in the name of the business for the account opened in XXXX from XXXX XXXX XXXX XXXX  XXXX XXXX. They were provided all information requested and I was told new cards would be provided. Several weeks later, the three ( 3 ) cards arrived by mail, and I called the number provided to activate and was told activation was approved. An attempt to use one of the cards in XXXX and it was refused. I contacted Discover by phone on XX/XX/XXXX and spoke to XXXX who told me account had been closed. She stated a letter was sent to me in XXXX explaining the closure. I told her I had never received any letter. She said an email to my secure inbox on the account had been sent. I explained I was never able to open it. I asked her to explain the reason for the account closure and she stated she was unable to do that. She offered to transfer me to their tech department for help in opening the notice in my secure inbox. I spent over XXXX minutes with their tech department, and they were not able to assist in opening the email. As a customer with the account for 15 years and never a late payment they are holding my business captive and refusing to provide information as to why the account was closed. I want the account re-opened immediately and provide me reasons for closure to allow me to complain further that their actions are harming my ability to use the card!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am writing to express my deep dissatisfaction with the handling of a fraudulent charge on my Capital One credit card account. I have been a loyal Capital One customer for many years and have always maintained my account responsibly. 

Recently, I discovered a fraudulent charge of {$500.00} on my credit card. I promptly reported this unauthorized transaction, and Capital One provided a provisional credit for the amount. However, to my dismay, this provisional credit was subsequently revoked without adequate explanation. 

Adding to my frustration, I have been in contact with the merchant associated with the charge, and they have confirmed that they are on my side, recognizing the charge as fraudulent. Despite this support from the merchant, Capital One has failed to permanently credit my account for the disputed amount. 

I find it unacceptable that Capital One is the only issuer among my credit card providers that has given me issues with resolving fraudulent charges. This experience has caused me considerable inconvenience and distress, and it is not reflective of the level of service I expect from a reputable financial institution. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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:
My accounts 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 to be removed/updated.

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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.|

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.|

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