vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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:
My account with this XXXX XXXX XXXX  with Account Number : XXXX is being reported late 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 explanation
Consumer complaint received 2024-08-22 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: CA

Complaint narrative:
I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and the business addresses of each individual whom you verified and validated the below information with, so that I may follow up accordingly. Additionally, Please send me an updated copy of my credit report after completing your investigation. 

Account Name : XXXX Account # XXXX REPORTED : XXXX XXXXXXXX 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I attempted to remove all aliases off of my credit report because some of my dad information is getting mixed with my own. I only need one name on my Experian, XXXX, and XXXX score. My ID have been shown and all of my ID 's including my old ones have XXXX at the end of it. When I attempted to remove they said XXXX of my dad vehicles is on my credit. I contacted the dealer to remove me off of the information and they attempted to update the information to XXXX but misspelled it even though I informed them that was not my vehicle.

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/year> my checking and savings account was closed without notice or warning. No reason was given due to terms and conditions. Now forced to wait XXXX business days to get my money from the bank by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$2300.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX  BALANCED {$0.00} XXXXXXXX XXXX XXXX  BALANCED {$21000.00}

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I deposited {$1500.00} in cash on XX/XX/XXXX at the local BMO banking branch. The atm had a problem and shut down before completing my transaction. It kept both my cash and my card. 

I called the XXXX number for BMO and filed a complaint. I also followed up on the following Monday at the branch. I was ignored every day that I called because of a communication and filing dispute between the branch and BMO at the XXXX number. It is a mess getting them to talk with eachother after they bought Bank of the West. Its unfortunate that they break regulations and mistreat customers during their banking expansion and purchase. Apparently the transaction wasn't sent or coded for the right review. 

On XX/XX/XXXX BMO told me they would keep my money for 45 days. I told them this was wrong after being a customer of theirs and Bank of the West with this account for a decade. 

I learned that this is a regulation E complaint and BMO broke the law. Every day they lie about the claim and hold my cash. I'd just like it back so I can move on with my life.

I learned about regulation E today after calling the police. BMO has now said it may be a regulation E claim and I was told to continue waiting 10 business days. I have already waited nearly 15 business days and this is surely enough money to be someone's rent or maybe groceries for a few months.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is not reflecting any of my credit card history - indicating that I have no credit at all. Both XXXX and XXXX reflect accurate credit history over 3+ years. Contacted Equifax directly XX/XX/year> and was told to contact XXXX XXXX suspecting issue was on their end. Contacted XXXX XXXX where representative confirmed Equifax was not sending credit history - was told by XXXX XXXX it is clearly default on Equifax, not XXXX XXXX. XXXX XXXX representative confirmed XXXX and XXXX were sending credit scores, but nothing from Equifax. 

This investigation started when I was denied rental - the Adverse Action report stating reason for rejection was no credit history, records being pulled from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
My account with this company is being reported late 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 explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: SLM CORPORATION
State: CA

Complaint narrative:
In XXXX  I inquired about obtaining a student loan from Sallie Mae but when I applied, a co-signer was requested. I contact Sallie Mae by phone and was told that I did need a co-signer but after 6 months of payments, I could request this person to be removed. It was never implied that I would need to some how qualify by myself or that there was a stipulation to have my co-signer removed other than making 6 months of payments. I have moved forward with asking my uncle to co-sign for me with the information provided by the Sallie Mae representative and he agreed. I have acquired a large student loan and have now been told that I will have to qualify for the loan on my own to have him removed. I believe that these tactics were used to pursue me to acquire this loan when the there were extensive stipulation required to get a co-signer removed. This liability of the loan for my cosigner is not what he agreed upon which I feel like is unfair for the borrowers. This situation has been a notable tactic mentioned in other litigations and their deceit towards borrowers continues. 

In addition, my cosigner had an incredibly high credit score but my interest rate terms were 14 %. While I accepted these terms in order to pursue my Degree in XXXX, I feel like they are predatory and unmanageable. I believe that Sallie Mae is setting interest rates based on financial gain rather than credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2024 roughly XXXX, I received numerous emails from XXXX XXXX informing me that someone ran my credit fraudulently with my social security number and credentials. I didn't run my credit at all. This is XXXX! The inquire came from XXXX. I called them to report the fraud and the customer representative informed me to reach out to reportfraud.ftc.gov and make a report. I have applied for the fraud alert on all the bureaus courtesy of XXXX. The company who fraudulently made a credit inquiry is Comenity CapitalXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX based on what XXXX XXXX states. This is FRAUD and needs to come off all my credit reporting bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-08-22 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Selene Finance did not apply payment that was made. Despite supplying numerous proof of payment, for 2 years they have not applied the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: GA

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to trafficking- debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 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 explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Oasis Legal Finance Holding Company, LLC
State: FL

Complaint narrative:
I began calling around XXXX almost XXXX eastern time. I spoke with someone who was able to help me change the receiver name for my XXXX XXXX transfer. I was emailed a third party form and put my Fathers name XXXX XXXX at the receiver. I sent it back and called back immediately. I then was told to call back in 30 mins. Within 30 mins I called back and they said that they were waiting for XXXX XXXX to approve it. I asked the representative if they could called XXXX XXXX and she acted as if she was unaware of how the process was done. I end up calling XXXX XXXX myself and was told that all they needed from XXXX was the employee XXXX  number that would be approving this request. I then called back once more and requested this information and was hung up on. I called back and was hung up on again. I have been told that this request would go through today and now I just played phone tag with this company and XXXX XXXX for hours, just to see no results. After being told the request would be approved by today. It looks like to me that this company could care less about the XXXX XXXX I am going through. This company got paid for approving my advancement and now it looks like this company could care less on how or when I receive my funds. I will be telling everyone about this and posting this experience everyone on the internet. I will never request anything from this company again and best believe I will make sure no one I know will ever use this company for anything. Thank you for taking my money and showing me you dont value me as a client. Kindly issue my money so I can part ways and protect my peace. This company has cause me so much unnecessary stressed. Worst company ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Information Practices Act, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020.

It has come to my attention that ACIMA DIGITAL FKA SIMP has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the Missouri Information Practices Act, provides protections for consumers against unauthorized disclosure of personal information. Furthermore, identity fraud laws, such as Missouri Revised Statutes Section 570.020, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for ACIMA DIGITAL FKA SIMP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ACIMA DIGITAL FKA SIMP immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Information Practices Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ACIMA DIGITAL FKA SIMP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I contacted Rushmore Servicing regarding them force placing insurance on my mortgage for XXXX and XXXX received a reply that they had received our insurance documents on XX/XX/XXXX I heard back from them on XX/XX/XXXX. I sent them by e-mail my insurance policies for XXXX and XXXX - XXXX on XX/XX/XXXX. I did not hear from them so I called and after 15 or more tries I did reach the escrow department. I was told that they had not received my policies. On XX/XX/XXXX they requested that I send them proof of premium payments and I sent them over along with a second time both policies for the XXXX and XXXX policies. The last payment they kept for my Mortgage payment was in XXXX. When I sent XXXX they refused the payment same as XXXX, XXXX and XXXX. I can not reach anyone on the phone. I just get recordings and what to connect to but never a person. I am XXXX XXXX XXXX only owe {$36000.00} on my home and I feel they are trying to take it away. When I call and they have my account the recording says my mortgage was released in a bankruptcy and nothing is due on my mortgage but they continue to send that we owe escrow. This is a mess and I don't think they are even trying to get it corrected.

Company response to consumer: Closed with explanation