vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
Subject : Request for Assistance with Credit Report Issue Involving XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a critical issue with my credit report involving XXXX XXXX XXXX, specifically related to my home loan. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, XXXX, XXXX. My contact number is XXXX, and the loan in question is number XXXX. 

Currently, I am in the process of selling my home and purchasing a new one, primarily due to the high interest rate on my existing mortgage. In this endeavor, I have been collaborating with the Loss Mitigation department and the VA, diligently following a mutually agreed-upon plan. However, I have encountered significant discrepancies in my credit report. 

Upon review, I found several derogatory marks and an erroneous listing indicating a missed payment for the previous month, even though I have made the payment. This error is detrimentally impacting my credit score, hindering my ability to secure a new mortgage for another home. Without resolving this issue, I risk defaulting on my current mortgage. 

In light of these circumstances, I am reaching out to the CFPB for support in rectifying these inaccuracies with XXXX XXXX XXXX. Your intervention is essential to ensure my credit report accurately reflects my financial conduct and assists in my housing transition. 

For reference, the contact information for XXXX XXXX XXXX Mortgage Assistance Department is as follows : - Phone : ( XXXX ) XXXX - Email : XXXX - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX - NMLS # XXXX - Website : XXXX I appreciate your prompt attention to this matter and any assistance you can provide. Please feel free to contact me for further information or clarification as needed. 

Thank you for your time and support. 

Sincerely, 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 explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Demanding full loan payment for repossession of vehicle.The payment app consistently is inoperable and is shutdown due to problem making it an issues to be able to pay bill. Signed up for auto pay yet the company did not take money out to pay bill.

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 2024-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Upon reviewing my transaction history with Navient, I found {$4500.00} in interest charges beginning XX/XX/XXXX, and continuing through XX/XX/XXXX. It was my understanding that interest was not to be charged during this time. I was also making payments during the majority of that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co
State: SC

Complaint narrative:
On XX/XX/2024, Safco auto loan has been paid off in full and since, they have been reporting changes in payment history and balance increases to the credit bureaus but not reporting that the account is paid in full. I have disputed this with the credit bureaus and the disputes have come back complete with no changes. This means SAFCO is unethically practicing reporting and collections which goes against the FCRA and compliance 2. These credit bureaus are definitely not seriously verifying the information and statements that are being placed on credit reports nor the disputes from the consumers. This is causing damage in manipulating the credit scores and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Regulation P. violations. Against all my financial institutions for not giving me notice or written authorization from me the consumer/customer when giving my personal financial information.

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 2024-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: FL

Complaint narrative:
First Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Pay your account online at www.payfcs.com To unsubscribe from future emails, click here. First Collection Services has provided your notice below. 

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

Depending upon your internet connection speed, your notice may take a few moments to render.

I do not have a debt with XXXX XXXX XXXX. I have not lived in Oklahoma in two years plus, when I moved out I had paid my bill in its entirety. This is a false debt collection claim and misrepresentation of myself and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
My credit report from Experian app, XXXX and XXXX has not been update for months. All though Ive making all payment on times my credit report remain the same. 
I have attached proof of my credit report from credit Karma that constantly been updated. 
Experian never updated 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 2024-01-12 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: NC

Complaint narrative:
The student loans are currently appearing on my consumer report which violate ; Family Educational Rights and Privacy Act ( FERPA ), 20 U.S. Code 1232g. The privacy act form I signed with XXXX was also violated per 15 U.S. Code 6802 by XXXX sharing my transaction history without my expressed consent to third party companies in the form of " late payments '' appearing on my consumer 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 2024-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I'm disputing the following information on the XXXX credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that MONEYLION INC is removed from my credit reports along with ANY inquiries related to XXXXXXXX XXXX or XXXX XXXX XXXXXXXX , I'm submitting this complaint along with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and mental health issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Try opening an account ( checking and savings ) no reason why my accounts werent opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to report an unresolved dispute with Chase Bank and seek your assistance in reaching a resolution as soon as possible. Utilizing the services of Chase Bank, a total of XXXX USD was transferred from my account to the fraudsters impersonating a legit XXXX XXXX through XXXX using trickery, manipulation, advanced money extraction techniques, and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: CT

Complaint narrative:
They are charging me triple the price for this car. XXXX being charged XXXX for a car with the value of XXXX. My interest rate is way too high. XXXX being charged 19 % interest which is way too high. XXXX in an XXXX down loan with way too much negative equity. The car is barely running and the dealership or any dealership cant do anything about it because of the negative equity. I feel as if I was scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I don't understand why it took Experian and XXXX so long to investigate and applied the necessary solution to these accounts. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX have them deleted back in XX/XX/2023. Confirmed that these accounts were incorrectly and inaccurately reported. 

As a consumer, I understand that under the FCRA law, they have clearly emphasized that Consumer Reporting Agencies should have an automated system in place for furnishers of the information to communicate the inaccurate and incomplete information with other consumer reporting agencies ESPECIALLY if the accounts are reporting the same information. 

Moreover, FCRA also stated that once a furnisher deems an account to be inaccurate or incomplete they must relay/communicate the information with all consumer reporting agencies that they are furnishing the information to. 

It's very upsetting that Experian and XXXX are not taking this law seriously and are not doing their due diligence of practicing fair and impartial resolution.

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 2024-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I talked to the branch XXXX in XXXX Louisiana on XXXX XXXX and he asked me can I make a payment on Monday XX/XX/XXXX I stated I could come that Friday XXXX I would have a pay check he replied No so today XX/XX/XXXX I call because I missed a call and spoke with a XXXX XXXX who told me hold so she could see what the XXXX call was in reference too ; when she got back on the line she was very RUDE and stated disregard the XXXX call the next call would be from our attorney I asked her so dont make a payment on the XXXX she said No! These people call me numerous time a day XXXX or more ; they call from personal cells and all. XXXX going to pay the loan just was switching jobs and needed to pay on XXXX but the XXXX insisted I had to pay on Monday the XX/XX/XXXX. Once paid I will NEVER get a loan form Tower Loan nor would I tell anyone to patronize this company

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 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: NY

Complaint narrative:
I have no idea who these people are and they are violating my rights! I asked them to validate this and they are in default!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
Identity theft fraud Years XXXX. XXXX. XXXX hotels- used by XXXX app. XXXX XXXX gas station. Others Chime bank checkings & Savings .used for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Child Support- I asked for their boss that lied about child support services and abuse services, paychecks mailed -XXXX Im looking to civil action lawsuit for interest remedies, and awards, violating, consumer protection. Identity theft fraud Other. Credit card. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

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.

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
Consumer complaint received 2024-01-12 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:
Subject : Request for Deletion of Late Payments and Correction of Reported Balance - Account Number XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention discrepancies related to my XXXX XXXX account with the account number XXXX. The occurrences in question occurred in XX/XX/XXXX and XX/XX/XXXX, impacting all three major credit profiles- EXPERIAN, XXXX, and XXXX. 

In adherence to pertinent federal laws and regulations, I am seeking the removal of late payments and correction of reported balance based on the following provisions : 15 U.S. Code 1681a - Definitions : This section emphasizes the importance of accurate and fair information reporting to credit bureaus. 

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Outlining permissible purposes for accessing consumer reports, stressing the necessity of accurate and up-to-date information.

Privacy Act of 1974 ( 5 U.S. Code 552a ) : This Act ensures the proper handling of personal information by federal agencies, promoting transparency and fairness in data usage.

15 USC 6802 ( b ) ( c ) - Protection of Nonpublic Personal Information : Establishing safeguards for the protection of nonpublic personal information, underscoring the significance of privacy and security in financial transactions.

12 CFR 1016.7 - Accuracy of Information Furnished to Consumer Reporting Agencies : This regulation sets forth requirements for the accuracy and integrity of information provided to consumer reporting agencies.

15 U.S. Code 1666b - Timing of Payments : This section highlights the timing of payments, reinforcing the need for accurate reporting in relation to payment schedules.

Furthermore, I have identified a balance inaccuracy being reported as {$19000.00}, whereas the correct balance of this account is {$18000.00}. I kindly request that this discrepancy be rectified promptly to ensure the accuracy of my credit information. 

Enclosed with this letter, you will find supporting documentation, including proof of timely payments during the specified months and evidence of the correct account balance. I appreciate your thorough investigation into these matters and request that you keep me informed of the outcomes. 

Thank you for your attention and assistance in resolving these issues.

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo provided my SSN and all of my financial documents in response to a administrative illegal subpoena without my written permission or authority from the account holder causing me severe financial harm.

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 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Unresolved dispute with Vystar Credit Union and seek your assistance in reaching a resolution as soon as possible. Utilizing the services of Vystar Credit Union, a total of XXXX USD was transferred from my account to the fraudsters impersonating a legit XXXX XXXX through Crypto.com using trickery, manipulation, advanced money extraction techniques, and lies.

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 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: OK

Complaint narrative:
XX/XX/2023 {$1200.00} Disputed through credit bureau

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
My credit report from XXXX app, XXXX and Equifax has not been update for months. All though Ive making all payment on times my credit report remain the same. 
I have attached proof of my credit report from XXXX XXXX that constantly been updated. 
XXXX never updated my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: OH

Complaint narrative:
XX/XX/XXXX a consumer report with information furnished by Experian was disputed. Experian expressed that they would contact the companies reporting the information and instructed them to review and verify the accuracy of the information, provide a response and update their records / system as necessary. Based on the response from the companies Experian deleted some but not all of the disputed information leaving alleged certified information determined by the companies furnished on the consumer report despite the verification/ certification from the consumer. XX/XX/XXXX another consumer report was investigated with finding of disputed and inaccurate information furnished on the report which has caused damages to the consumers financial reputation and credit worthiness. The consumer was denied credit extension for family and household purposes due to the inaccurate furnishing.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am contesting the inclusion of this bankruptcy on my credit report because the filed and reported dates, along with the closing dates, are not in alignment. This is deeply concerning since I have a court letter clearly stating that this bankruptcy should not be reported to you. Additionally, the involvement of an unauthorized third party further complicates the situation.

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
Banking institutions gave my personal banking information without gaining written consent by the myself to State Agency via a administrative subpoena

Company response to consumer: Closed with explanation