vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 non-monetary relief
Consumer complaint received 2024-06-27 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts reporting. These accounts are preventing me from obtaining credit. Please remove these accounts.

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 2024-06-27 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts reporting. These accounts are preventing me from obtaining credit. Please remove these accounts.

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 2024-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CarMax, Inc.
State: GA

Complaint narrative:
1. **Violation of Truth in Lending Act ( TILA ) ** : - TILA requires clear and accurate disclosure of finance charges and the total of payments. Presenting the finance charge as an estimate rather than a definitive figure prevents me from knowing the exact total of payments and hinders my ability to seek an appropriate remedy. 
- Firstly, correcting this violation would ensure knowing the exact total of payments, enabling better financial planning and remedy-seeking between all parties involved. 
2. **Violation of Georgia Retail Installment and Home Solicitation Sales Act** : - This act requires essential provisions, including finance charge calculations, to be clear and included in the contract before signing, which was omitted. 
3. **Violation of Fair Credit Reporting Act ( FCRA ) ** : - The FCRA mandates accurate reporting and proper communication regarding debts. Two different companies, CarMax Business Services , LLC ( listed as contract assignee and financer ) and CarMax/CarMax Home Office/CarMax , Inc. XXXX have been reporting a charge-off without clarifying whether the debt is forgiven and to what amount amongst other incomplete and inaccurate information over time. 
4. **Violation of Internal Revenue Code ( IRC ) Section 6050P** : - IRC Section 6050P requires creditors to file Form 1099-C with the IRS when a debt XXXX {$600.00} or more is canceled. CarMax Business Services, LLC or CarMax/CarMax Home Office/CarMax , Inc has failed to file this form within two years of the charge-off being publicly reported to credit bureaus, seemingly trying to cause more financial harm of tax issues. Not filing nor reaching out but repossessing once XXXX filed regarding violation. 
5. **Violation of Georgia Code 10-1-36** : - Georgia Code 10-1-36 requires a post-repossession notice within ten days of repossession that has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX OF XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
My Mortgage servicer transferred on or around XX/XX/2024. The previous servicer cheated me, did not grant me a deferment request that I qualified for. They railroaded over me and started foreclosure proceedings. A supervisor played back the calls and discovered that they made an error and should have given me a deferral. Even though they reversed the pre-foreclosure, due to their error, they still charged me attorney fees, humiliated me publicly by posting the foreclosure info, sent a cruel person to my home to take photos, but more importantly cant reverse the info that they recorded with the state recorders office. I now have a pre-foreclosure in my record because of them. 

I applied for another foreclosure in XX/XX/2024 and they lost it. The new servicer couldnt find it either, so they offered me this new modification. They have treated me so badly, by misinforming me about the status of my account, not returning calls, and now trying to force me to sign this new modification paperwork by the end of XXXX, when their is a dispute in place and they dont have the exact breakdown of these amounts for which they are trying to have me sign. I suspect that those attorney fees ( for example ) are also hidden and were never reversed. 

I have called the company multiple times and written their Research Dept. They are not responding with answers. Here is an example of what I sent below to the Research Dept : Please stop ignoring my messages. I requested a prompt response to these questions and to be reassigned to a new representative. There are only 6 business days left before your deadline closes. You guys and your underwriters have had this case since XXXXXXXX XXXX XXXX  XXXX didnt hesitate to trash your competitor by letting me know how terrible the files have been, that have come over from the previous servicer. That can only mean one thing, you all have been aware that this was a systemic issue. I cant understand how you could make a modification offer without checking to see that you have ALL of the docs to substantiate XXXX XXXX claims made to me over the last two substantiative conversations.

I am worried and concerned that the monthly mortgage payment calculations /and the modification documents that you provided, also contain faulty information. I deserve an update. I deserve not to be rushed into to signing documents until Ive consulted with my advisors. With only 6 business days left to sign, it is highly unlikely professional of you not to contact me with an update. The longer this takes, please dont be unfair or realistic to then expect me to be able to adhere to your end of the month deadlines. After all, this is one of THE biggest financial commitments that most consumers will make ( for the next 30-40 years ). Please respond asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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:
FCRA 605B requires that any inaccurate accounts be removed from my credit report. Please check the documents because some accounts listed have wrong reporting, amounts, and dates.

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 2024-06-27 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: CA

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my XXXX health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: CA

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in 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 2024-06-27 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: CA

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in 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 non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Ive contacted company and passed landlord they told me I didnt owe the balance that was stated. The company told me landlord was to NOT communicate with me did not provide proof on how they received my information. Last time Ive contacted them they removed report but will occasionally readd my information to reports without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Chase Bank, I am writing to formally lodge a complaint regarding the denial of my consumer credit transaction for an auto loan in the amount of {$94000.00}. This denial constitutes a violation of my consumer rights. 

As per 15 USC 1602 ( I ), the term " credit card '' includes any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition extends to my Social Security card, making it a credit card in this context. Therefore, when I used my credit card for the specified amount, I should have been credited accordingly. However, I received no benefit whatsoever, which is a clear violation of my rights.

Furthermore, under 15 USC 1691 ( a ) and 12 CFR 1002.7, it is against federal law to deny an extension of one 's own credit. If any representative from Chase Bank believes my assertion is incorrect, I request that they provide the specific consumer law that allows a financial institution to deny someone an extension of their own credit. 

Chase Bank advertises that individuals can be denied credit for not being creditworthy. This constitutes false advertising under 15 USC 1611. The concept of " creditworthiness '' is not defined in consumer law ; it is the consumer who determines their own creditworthiness. As I exercised my rights in good faith under 15 USC 1691 ( a ) to assert my creditworthiness, there should be no grounds for denial, regardless of Chase Bank 's internal guidelines.

Federal law mandates that all financial institutions abide by consumer law. I expect Chase Bank to comply with these regulations. Therefore, I request that my account be funded with the amount I swiped my credit card for and that this matter be resolved promptly. 

Failure to address this issue will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and action. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have a bank account with PNC. I had an authorization hold put on my account for {$2500.00}. PNC called me to verify the account on XX/XX/XXXX which I did not verify the transaction I called PNC they told me it was a authorization hoe and it will clear within XXXX days the transaction end up posting to my account every since then Ive been requesting the money back from the company and also PNC, which told me they were doing a charge back, which never happened It has almost been over 30 days. I have filed with the federal trade commission. This is ridiculous. I was robbed by PNC Bank and the company. I never authorized the transaction. I have a voicemail of them calling me PNC To this day, they have not did anything. I said I did not authorize the transaction and PNC Bank still let it go through and let this company take my money after speaking with me and I told them on XX/XX/XXXX that I did not authorize this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX {$160.00} I have notified XXXX XXXX to let them know that I am not paying this account. Under Federal Law 15 USC 1692c they are required to delete this collection from my credit report and they have not deleted yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$160.00} I have notified XXXX XXXX that I am not paying this account. Under Federal Law 15 USC 1692c, XXXX XXXX and Transunion are required to delete this collection. They have not deleted yet.

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 2024-06-27 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: TN

Complaint narrative:
This have been following me ever since I had my information stolen during the Equifax data breach. Please help removing theses accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
After contacting the Bureau to find out about a debt that I dont owe them, they never responded to my request but instead reopened the account on my credit report. I dont have any contract with this company and although I asked for verification they never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: TX

Complaint narrative:
Early XX/XX/XXXX, I received a prepaid debit card in the mail from Netspend with my name printed on it and instructions on how to call to activate it. Included in the contents of the envelope was direct deposit form. I was confused because I had not expressed interest in opening an account. I called the customer service number and confirmed through the automated system that no account existed under my social security number. XX/XX/XXXX, I received an email from XXXX Informed Delivery showing that Netspend had sent another debit card however, when I checked the mail the envelope from Netspend was not there. I called Netspend to speak to a live agent and explained that I did not want to receive pre-paid debit cards with my name on them as it's a security risk. In addition, I had not requested an account to be opened. 

Furthermore, I informed the agent that I did not want them to have access to my information and I requested information on how I can opt-out of marketing/advertisements including but not limited to having prepaid cards emailed with my full name on them and to ensure that an account is not opened in my name because in XXXX my wallet was stolen along with my SS card and Identification. The live agent informed me that there was no way he could prevent me from receiving future preprinted prepaid cards, to opt out of marketing/advertisements or to limit access to my personal information within their system. This is a violation of financial privacy rights as well as unfair consumer trade practices.

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