vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with LVNV FUNDING LLC. Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry. I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ). Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies. I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that LVNV FUNDING LLC complies with these obligations to rectify any potential adverse impact on my credit history. In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. Done in good faith. (

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: RI

Complaint narrative:
XXXX XXXX XXXX I bought a car on XX/XX/XXXX. The payment of the car was {$400.00} every XXXX of each month. XX/XX/XXXX I decided to trait in the car for an SUV. My bank paid the remainder of XXXX and change on XX/XX/XXXX. XXXX XXXX XXXX said they did not received the check but the bank has prove they got the check o the XX/XX/XXXX. It was paid 5 days prior to a due date. XXXX XXXX XXXX still til today got in my credit score a 30 days late. Which it was never late.

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 2024-01-30 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: RI

Complaint narrative:
XXXX XXXX XXXX I bought a car on XX/XX/XXXX. The payment of the car was {$400.00} every XXXX of each month. XX/XX/XXXX I decided to trait in the car for an SUV. My bank paid the remainder of XXXX and change on XX/XX/XXXX. XXXX XXXX XXXX said they did not received the check but the bank has prove they got the check o the XX/XX/XXXX. It was paid 5 days prior to a due date. XXXX XXXX XXXX still til today got in my credit score a 30 days late. Which it was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX I bought a car on XX/XX/XXXX. The payment of the car was {$400.00} every XXXX of each month. XX/XX/XXXX I decided to trait in the car for an SUV. My bank paid the remainder of XXXX and change on XX/XX/XXXX. XXXX XXXX XXXX said they did not received the check but the bank has prove they got the check o the XX/XX/XXXX. It was paid 5 days prior to a due date. XXXX XXXX XXXX still til today got in my credit score a 30 days late. Which it was never late.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Amex fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on American Express 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: DC

Complaint narrative:
Dear Department of Education, I am writing to request my pre-conversion history for my student loans, which are older than 20 years old. I have been trying to have my loans forgiven per the Biden Loan forgiveness adjustment announced recent. To process this request, my loan lender needs my pre-conversion history before they can process my application. Most notably the loans that are eligible are I understand that it may be difficult to provide pre-conversion history for older loans, but this is necessary to have my loans reviewed for loan forgiveness. Please let me know what information is needed from me if any. Thank you for your time and attention to this matter. XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$7000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I get paid on the first of the month. I call my creditors to pay my bills even if I have not received the statements from the company. 
I recently noticed that I owed American Express a {$40.00} late fee plus interest even though I hadn't used the card the previous month. 
I called & talked with a representative and I was told that because of the way their system works, my payment is considered late. The payment due date is on the XXXX of the month and I am calling and paying the full amount owed within the first few days of the month. I tried to explain that this wasn't making any sense as I call, ask what the balance is ( I haven't received the statement yet. It usually comes around the middle of the month ) and I pay the full balance ( not what the statement would be ). How in the world can this be considered late? The representative tried to tell me that because I was paying the bill just a few days after the due date that their system considers my payments late. My daughter has noticed that they've been charging me late and interest fees before. I feel this is committing fraud as I am paying the full amount before it's even due. 
I am asking for a refund of the late and interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an e-mail stating " your bill is due '' with a subject line of " Make a payment '' And I start stressing since I thought I had it marked in my calendar, and when I open the e-mail it then reads " ... as a reminder, your bill is due XX/XX/XXXX '' This 'bait and switch ' is NOT OKAY, I never miss payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I tried to apply for an capital one prepaid advance pay car to see how much I could get approved for, when I submitted my information to process a message popped up regarding it was suspicious and fraudulent where I couldnt get approved for one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: CA

Complaint narrative:
This dispute is improper use of my credit report showing two different amounts two different accounts they removed one but not the other the one for XXXX was there first then they updated it to XXXX improper use of my credit report by law and needs to be removed for it being an error on my credit report just like the other accounts I had the same issue with I will dispute this 109 times if I have too it's illegal and needs to be removed I have never seen an account thats open with a XXXX doller Ballance with a XXXX month contract the contract did not last for XXXX months so the contract would be void and needs to be updated to positive or be removed

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 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2024-01-30 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Consumer Finance, Inc.
State: RI

Complaint narrative:
United Consumer Finance I bought a car on XX/XX/XXXX. The payment of the car was {$400.00} every XXXX of each month. XX/XX/XXXX I decided to trait in the car for an SUV. My bank paid the remainder of XXXX and change on XX/XX/XXXX. United Consumer Finance said they did not received the check but the bank has prove they got the check o the XX/XX/XXXX. It was paid 5 days prior to a due date. United Consumer Finance still til today got in my credit score a 30 days late. Which it was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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:
XXXX fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on XXXX XXXXXXXX XXXX behalf.

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 2024-01-30 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:
XXXX fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on XXXX XXXX XXXX behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on XXXX XXXX XXXX behalf.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have two separate credit cards from American Express that are related to XXXX XXXX XXXX. One is the XXXX XXXX XXXX and one is the XXXX XXXX XXXX card. Each promises to provide a benefit called XXXX XXXX XXXX based on a certain amount of spending on the card. I more than surpassed those spending levels and AMEX even sent me e-mail associated with EACH card proving that my claims as described are true and accurate. 

Nevertheless, they never provided this benefit. Instead, they have obfuscated, lied, used various psychological manipulation techniques to convince me to keep waiting for some new deadline they make up every other week, etc. 

This has been a process that has taken more than a month, and every deadline they claimed I should wait patiently for has now passed. They continue to just put me on hold, refuse my access to any senior customer care reps, and flat out do not provide the benefits they contractually agreed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
Im called company self lender, in covid 19 time when credit reporting was off they report about my late payments after Tht I been begging them to delete my report.close acunt also showing n late payment .paid off account also showing in credit report.after XXXX XXXX XXXXXXXX put flag in my XXXX account I dont have no knowledge off Tht .i also called them they denied to remove Tht.plz help me Im trying to buy house bcoz if this now bank not giving me loan bcoz my score is down .plz help me, I called 3 credit barrow and those company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I got a car loan and what everything that is going on i was struggling to make payments on my vehicle but i was still making payments and they wrongfully reprocessed my vehicle on XX/XX/XXXX which i made a XX/XX/XXXX of XXXX which my monthly paid is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unable to place lock in XXXXequifax.com Unable to place security freeze using my.equifax.com Unable to lift a security freeze using my.equifax.com Getting errors every time without any solution, called several times with no resolution.

Only way to place a security freeze is through phone call, but their authentication method is a nightmare, if you fail they will ask to submit your request in writing through regular mail which could take several business days!

Not my case but as an example by the time the " mail '' arrives to Equifax office fraudsters had already applied to several accounts leaving customers vulnerable with no protection. 

Or vice versa, if trying to lift the freeze and having to wait several days, then your auto loan, mortgage application, credit application will be delayed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief