vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to Rooms to Go back in XXXX and was approved for a 55 month 0 % offer for furniture purchase with Synchrony Bank. I purchased around {$4700.00} on the card. About a couple of weeks into the offer about {$2500.00} was rolled into my card which I called to dispute. They told me not to pay anything during the dispute and to wait for a new account to be created. My account is on auto pay so everything should have been charged and no missed payment was made expect only a delayed while they were updating accounts during the initial dispute. 

When they created the new account they somehow rolled a portion of the amount ( about half ) into a 29.9 % interest instead of the initial offer I had been approved for. Im not sure if this is something they are doing repeatedly to get away with changing the rate on people but this seems like a fraud. I called them and ask for them to please fix my account to the agreed interest and to refund me the interest they have been charging since they updated the account to wrong interest rate. After about 2hrs with them on a call and going back and forth they told me they would fix it. Its been 3 weeks since the call and nothing has changed in my account. They are still charging me the higher interest rate. I have the receipt for the original offer and need this to be fixed as the new rate is costing me way more money then what was initially agreed to. I would have never purchased the items at the current rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to submit a formal complaint regarding the inaccurate information that has been reported on my credit report by Equifax. Despite my previous communication with Equifax on XX/XX/XXXX and XX/XX/XXXX, they have failed to respond or take appropriate action to rectify the errors. I kindly request your assistance in addressing these concerns and ensuring compliance with federal laws and regulations, specifically the Fair Credit Reporting Act ( FCRA ). 
Outlined below are the details of the inaccurate information and the necessary corrections for each account : 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 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 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  : The above accounts do not belong to me, and I request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
During the Covid-19 pandemic, I lost XXXX years of income. The last mortgage payment Selene Finance received was in 2020, during the pandemic. I no longer had an income source, got behind on payments, made multiple efforts to make the payments. I was approved for a modification by the previous servicer, ( XXXX XXXX? ), and the loan was sold to Selene at the end of the modification period. When I received a letter of intent to foreclose from Selene Finance, I applied for another modification with Selene Finance but was denied. Then I applied for assistance through the Maryland Homeowners Assistance Fund, it took XXXX yrs. to process the application and have been approved recently for a $ XXXX XXXX. I conveyed this to Selene Finance. The MD HAF program requested an additional $ XXXX modification from Selene Finance to bring the loan current. I applied again, Selene Finance denied me, not allowing the opportunity to save my home. I filed a previous complaint questioning the pay-off amount owed to Selene Finance , because a full history of the loan was requested by an advisor, saying the principle wasn't correct, in excess of $ XXXX. Selene sent paperwork to CFPB, and I am waiting to receive a copy of the full history. I also filed a claim with my homeowners ' insurance for damages to the property incurred by contractors. I'm in the process now of selling the property " as-is '', and request that Selene return the $ XXXX endorsed homeowner 's insurance company check back to me upon sale or reimburse the insurance check back to me upon deed-in lieu if the property can not sell " as-is ''. The property has been appraised " as-is '' for XXXX. I have to drop the price due to the work still needed. Overall, in spite of the contractor negligence, I have increased the value of the property through the years, with good care, and deserve to be reimbursed the homeowner claim funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Monarch Recovery Holdings, Inc.
State: PR

Complaint narrative:
I am writing to formally dispute the validity of a debt that your agency has been attempting to collect from me. I recently received correspondence from your agency regarding an alleged debt in the amount of {$1300.00} owed to XXXX XXXX XXXX. However, I would like to bring to your attention that this debt is not mine and I believe it has been erroneously assigned to me. 

Upon careful examination of the United States Code, specifically the Fair Debt Collection Practices Act ( FDCPA ), I have identified several sections that empower me to dispute this debt and seek its verification : Section 809 ( b ) of the FDCPA states that, within five days of initial contact, the debt collector must provide written validation of the debt, including the amount owed and the name of the original creditor. I have not received any such validation from your agency, and I request that you provide me with the necessary documentation to prove the existence and accuracy of this debt. 
Section 809 ( a ) ( 4 ) of the FDCPA mandates that, upon the consumer 's written request, the debt collector must provide the consumer with the name and address of the original creditor. Therefore, I kindly request that you disclose the complete contact information of the original creditor associated with this debt. 
Section 809 ( b ) ( 5 ) of the FDCPA requires the debt collector to cease collection activities until it has provided the consumer with the requested verification of the debt. Therefore, I demand that you immediately cease all collection efforts regarding this disputed debt until you have satisfactorily provided the necessary validation and supporting documentation. 

I would like to emphasize that I have been diligent in maintaining my financial records, and I have no knowledge or recollection of any outstanding debt owed to XXXX XXXX XXXX. It is crucial that you investigate the matter thoroughly and correct this mistake promptly. 

Failure to comply with the FDCPA 's provisions outlined above may result in legal action, including a formal complaint lodged with the Federal Trade Commission and a civil lawsuit seeking damages for violations of the FDCPA. I trust that your agency will handle this matter with the utmost professionalism and adhere to the legal requirements governing debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I filed in with XXXX and XXXX  to have eastern account system remove from my account and asked for proof of debt never recieved the information. Showing proof of debt. Since I did not have an account with XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This company is the closest thing to a payday loan. I have actually had 3 loans with them. Competed 2 with an outstanding track-record. I only had issues with this 3rd one due to setbacks. Unexpectedly. It was unlike my normal routine. They even noticed that it was out the norm. I have since caught up with all my past due amounts. They will likely not be calling anymore. I am submitting this because the hard working manager may not be aware that people in that office or in corporate are not following the rules. They called me multiple times, repeatedly even after we discussed an arrangement. I don't like their terms. I think that their loans are too high and take advantage of people, but the law allows it and I have unfortunately had to pay far more the amount of money back than what I should, that's another topic for debate because the " law '' allows this. They did call too many times and I have the evidence. I even called and told them that it was happening and I didn't want to report. That didn't work. So now, I am drawing the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: GA

Complaint narrative:
Unauthorized charges from XXXX totaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After reviewing my updated report from the first dispute on the validity of an account i sent, i see that the inaccuracy is still listed on my account. This account is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Equifax discloses to me all of the documents that they have recorded and retained in their file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that they have in their files that were used to verify them.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that they have on file for the account listed within 30 days of receipt of this letter then they must remove these accounts from my credit report.

They said that they have reinvestigated the accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a check from a company that was suppose to be a job that I applied for and tried to deposit the check into my account. They put a hold on the check as I expected to make sure the check could be verified. The check turned out to be sent to me from someone trying to scam me. The bank notified me that the check was not good and I tried to explain to them where the check came from and that I was being scammed and they blamed me and closed my account. My account was closed for suspicious activity and as a result I am unable to open a bank account at any bank. The reason I was given was that I should've known better, but how was I suppose to know. I though that was why the banks take time and put a hold on the check to make sure the check is from a real company. I feel they blamed me and closed my account unlawfully and caused me to be unable to open up any bank accounts with other banks because of their report. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Financial Services
State: IL

Complaint narrative:
Consumer financial ran my credit without verbal or written approval. When asked why this was done, I did not hear back from anyone. They closed my first complaint with zero resolution to my issue and did not remove the inquiry. I would like the inquiry removed from my report as this was not permitted by me, I was not refinancing or doing anything that would allow them to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I`m trying to keep up with my payments on this auto loan that should never have been given to me as I work as a XXXX XXXX XXXX. We do not make much money. I just made a payment to Well Fargo Auto, and they put another late fee on the account on XX/XX/2023. I spoke to one gentleman at Wells Fargo Auto and told him that I'm having a hard time keeping up with payments but would make a payment Today, XX/XX/2023. 

The payments are due each month I believe on the XXXX of each month. Wells Fargo Auto is ripping me off with late fees. This has got to stop but I just spoke to another representative at Wells Fargpo Auto, and she told me that the late fees would keep going onto my loan. I also suffer from XXXX, and this is adding a huge amount of stress on me. I'm attaching the payment I just made along with the newest late fee they decided to put on.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear XXXX, XXXX XX/XX/XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to XXXX regarding the following accounts on my credit report : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, Fair Collections and Out- Account Number XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as XXXX has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. 

Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that XXXX delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that XXXX provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of XXXX. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that XXXX will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, 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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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