vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a Bank of America credit card with a 0 % introductory rate. The rate was due to expire on XX/XX/year>. I received a statement on that date with no interest charges and a purchase balance of around {$6700.00}. I paid the entire statement balance by the due date and then was charged over {$80.00} interest. I had the exact situation with a XXXX XXXX card, and I paid the entire balance after the rate expired. Since the purchase balance was paid in full, I was not assessed any interest. I do not believe the interest charge by Bank of America to be fair since I paid a purchase balance not previously assessed finance charges by the payment due date. I called Bank of America and they have refused to rescind the interest charge. They claim the interest charge is appropriate and properly disclosed. I do not agree that it is properly disclosed. It is confusing and contradictory at best. The mere fact that two large banks handle the situation differently, despite similar disclosures on interest calculations, supports this position. I believe that Bank of America intentionally misleads consumers in order to collect these charges.

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 2024-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
I rented a home from XXXX XXXX. The house was full of mold and in complete disrepair. 
I managed to fix what I could but the owner refused to do repairs, and the mold became hazard to my respiratory system. The owner sold the home. 
I lived there for 12 months, always paying my rent as required and on time. 
Since the owner sold the house, the XXXX month was not going to go against the allowing me to move. 
I signed an order to vacate within 30 days and was granted permission, signed by both parties, myself and XXXX XXXX. 
I allowed the pre-move inspection, which was required, and the house passed it. 
When I moved, I notified XXXX XXXX  that I was leaving on XX/XX/year>. 
Three weeks after I moved, XXXX XXXX notified me that I owed the full month of XXXX, and started the eviction process. I had already left the house. 
They demanded the rent, as an attempt to keep the refund they promised I would receive back after the house passed inspection. 
I started receiving demand letters from a Collection Agency, and this has affected my credit report. 
I called the corporate office for XXXX XXXX  over and over, and never received a call back to discuss this important issue. My concerns were ignored. 

I feel this was intentionally done to prevent them from providing my deposit back. 

They would not tell me why they started an eviction process after I has vacated the home, and we had agreed that the move out was allowed, as my lease had ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: IL

Complaint narrative:
Please investigate this problem, as Transunion is the only credit reporting agency reporting this particular account. XXXX and XXXX already removed this as these are not mine and inaccrurate

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXXXXXX XXXX  Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXXXXXX XXXX account, reported by Experian. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute. 
Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : XXXX and Experian report late payments in XXXX and XX/XX/XXXX, as well as XXXXXXXX XXXX XXXX XXXX XXXX shows four late payments in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a XXXX XXXX Agreed Never XXXX status. 
Request for Documentation and Investigation Process Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy. 
Furthermore, please provide in writing the procedures in place, as per XXXX USC XXXX ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report. 
Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility. 
Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
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 2024-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: MO

Complaint narrative:
on XX/XX/XXXXXXXX I spoke with a young man from AR Services attempting to collect a debt for a supposed payday loan originating in XXXX, Kansas. I informed him I haven't lived in XXXX since XXXX, and I never got a payday loan while living there. I asked how he couuld be attempting to collect an approximately {$4000.00} debt over XXXX XXXX XXXX. 

He told me that it had been re-issued and that I needed to take action to pay it. I informed him I have never received written notice of the debt. He told me it had been sent to my current address which he gave to me. Again, I told him I know nothing of the debt nor have I seen any paperwork. 

I told him, per regulations that they were no longer to contact me by phone and needed to send me a certified copy of the debt. He told me they were reporting it to the credit agencies and hung up on me without ever giving me his name. 

They have not sent me any paperwork, yet continue to attempt to contact me via phone every few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NV

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: NC

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 

XXXX 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 2024-11-14 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: NC

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 

XXXX 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 2024-11-14 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: AL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account opened : XXXX XXXX Amount : {$750.00} Credit Bureau reporting : Equifax I am filing a formal complaint against the above mentioned company and demanding immediate removal of ALL fraudulent accounts opened in my name using my Social Security number without my consent. I have been the victim of identity theft, and a part of multiple data breaches resulting in my personal information being compromised. The impact has caused significant emotional distress, ongoing financial damage, and has severely impacted my credit negatively. Unauthorized accounts have been created under my name, now reporting on my credit reports and damaging my personal and financial well-being. 

This company continues to report this fraudulent account and it violates my rights under the FCRA and constitutes a negligent breach of duty to ensure accurate credit reporting by the credit reporting agencies and creditors. These companies knowingly report incorrect information after receiving notice of its inaccuracy which is a violation of the law, as specified by the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Atlanticus Services Corporation
State: OK

Complaint narrative:
I was bated by an apartment community that took my money and their negligent by not communicating for a week long and charging unreimbursable costs. I should not be liable for a company and or person who does not do their job and has a coworker lie for them also. I was told to apply for an apartment and pay 2 fees/costs and after doing so the property manager stopped returning phone calls and emails BOTH, over a weeks time ( 5 plus attempts ) after I paid. The credit card company says they will not support the dispute. Based on what? I have emails sent and not responded to as well 4-5 phone calls not returned which led to the process stopping altogether. I would have not paid if I knew they were not going to follow thru afterwards. The credit card company can not possibly have any substation to the contrary. I did not get the services as described and that is the basis of my complaint against the CREDIT CARD COMPANY, Aspire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
XX/XX/, I called customer service at Shellpoint Mortgage Servicing. A lady name XXXX said she would help me. I told her that deceased mom 's shop building had burned while she was living. The insurance company sent a check in her name ( I was guardian and conservator ) to cover the cost of rebuilding the shop that burned. The insurance company said that I could use it toward paying off the mortgage since the house was still standing and still insured. I explained that to XXXX, got a pay off and a date in XXXX that the payoff amount was good until. I told her I had to send 2 checks- one from the insurance company which was to both Shellpoint and my mom. I made up the difference out of my own account and sent 2 checks with a cover sheet that explained the 2 payments. They cashed both checks before the payoff expiration date, however, they did NOT apply the insurance check toward the payoff. They put the check I sent toward payments- including future ones and put the insurance check in loss drafts department. I have been trying since XXXX to get the mortgage company to take care of the payoff per the letter sent with the checks. They had someone in the loss drafts department named XXXX helping me. She had me send a new letter requesting that the insurance check go toward payoff, a letter from XXXX XXXX company stating that their check could be used for payoff, and proof that XXXX had sent a payoff letter, which I couldn't open because it had expired, to her. She quit responding to me after she acknowledged she got all of the documents. Yet, she didn't do anything - and now they are putting the Mortgage Account in default because of all of the fines and fees, while they are holding the large payoff check in loss drafts! I really need help, as I have been trying to do this on my own, and having nothing but problems. No one will help, no calls me back, and no one does anything but hold that check which is over {$100000.00}!

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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I tried to pay off my WestLake Account XXXX | XXXX XXXX XXXX XXXX XXXX in the amount of {$11000.00}. The website only allows a max payment of {$4400.00}. I called in and the automated system only allows me to make a payment of {$4400.00}. I finally got in touch with a human and they let me know I couldn't make a payment that high. It is virtually impossible to pay off this loan. It appears they are making it difficult to get every XXXX of interest and fees that they possibly can. It's bad lending practices and very frustrating. I still haven't been able to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-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 CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. 
XXXX XXXXXXXX XXXX balance. {$180.00} XXXX XXXXXXXX XXXX balance. {$270.00} XXXX XXXX Systems balance. {$760.00} XXXX XXXX XXXX XXXX  XXXX balance. {$2500.00} XXXX XXXX XXXX XXXX balance. {$33000.00} 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
On XX/XX/year> I opened a Dispute on XXXX credit reporting agency about an inaccurate report from this company on this account. The company was contacted and alerted that this account was successfully discharged through XXXX XXXX bankruptcy and that it should not still be getting reported to financial services and credit reporting agencies. The dispute was resolved and the company confirmed that the information was accurate in regards to being discharged through XXXX XXXX bankruptcy but failed to delete the reported information. On XX/XX/year>, another dispute was reopened again with the same company in regards to the reporting of information on my credit report that was successfully discharged through XXXX XXXX  bankruptcy. The company again confirmed the information was correct but failed to alert XXXX credit reporting agency to delete the 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