vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-07 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information Reported by XXXX XXXX XXXX, I am writing to formally dispute inaccurate information that has been reported on my credit report by XXXX, XXXX. I have never had a loan with XXXX XXXX XXXX, nor have I provided them with consent to report any loan-related information on my behalf. Their representation of this account as a loan is false, and the negative information reported as a result is inaccurate. 
The presence of this information on my credit report is unauthorized and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and authorization of information provided to credit bureaus. 
The inaccurate information I am disputing includes : Having a loan, having a past due balance, reporting payment that was never made

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 2024-06-07 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 : Dispute of Inaccurate Information Reported by XXXX XXXX XXXX, I am writing to formally dispute inaccurate information that has been reported on my credit report by XXXX, XXXX. I have never had a loan with XXXX XXXX XXXX, nor have I provided them with consent to report any loan-related information on my behalf. Their representation of this account as a loan is false, and the negative information reported as a result is inaccurate. 
The presence of this information on my credit report is unauthorized and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, which mandates the accuracy and authorization of information provided to credit bureaus. 
The inaccurate information I am disputing includes : Having a loan, having a past due balance, reporting payment that was never made

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 2024-06-07 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.

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 2024-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I closed out on a HELOC with Lendage on XXXX XXXX XXXX Who in turn sold the loan to Achieve, Specialized Loan Services XXXX XXXX XXXX The amount of the LOC was {$54000.00} at a 12 % interest rate. They consistently emphasized my loan was 12 % APR, never did they say the daily per diem would continued to be assessed. I was told the per diem of {$17.00} - {$18.00} per day would be charged through XXXX day of of which my XXXX payment was made. However, in reviewing my loan statement on XXXX XX/XX/year>. I noticed I was still being charged per diem. 

My monthly payment is {$64000.00}. approximately {$140.00} XXXX goes to principle and approximately {$480.00} goes to finance charges *which are the daily per diem charges. 

on XXXX XX/XX/year>, I contacted Achieve, and spoke to the customer services member who explained because I have an opened ended line of credit, I'm subject to a continual per diem until the " close '' of the loan, meaning the maturity of the loan in XXXX. Apparently, because I can potentially withdraw for the available LOC, I'm being charged a per-diem even if I never withdraw any additional money. 

I informed her that I don't recalling signing anything that stated I agreed to the daily per diem charged. So, on XXXX XX/XX/year>, I filed a consumer complaint with the Colorado Attorney General, who in turn as provided guidance for me to file a complaint with this office as well. 

Therefore, I'm paying a 12 % interest on the original withdraw plus a daily per-diem for the life of the loan, because it is considered an open loan not closed. This is misleading representation and fraud. When they expressed " closed '' they led me to beleive the close was on XXXX XXXX XXXX as a XXXX veteran with a VA mortgage, I would have never agreed to these type of excessive fees on a monthly basis to place my mortgage under lean and risk. I feel these additional finance charges are illegal and usury. Request these excessive finance charges and daily per diem fees cease and any money I paid in excess to the original 12 % interest charge be refunded. 

I pray this company is fully investigated to ensure this is not a pattern and that other people are not affected by 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 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a credit card with Wells Fargo that is just for day to day spending. I have had the card since XXXX and pay a set amount with every bi-weekly paycheck so that the previous statement balance is satisfied and I do not have to pay any interest. 

For the XX/XX/XXXX statement, I was responsible for a balance of {$410.00}, due by XX/XX/XXXX. I paid {$400.00} ( + {$13.00} via rewards credit ) before XX/XX/XXXX, and another scheduled payment of {$200.00} was transferred on XX/XX/XXXX. I was unaware that the balance of {$5.00} was late by 2 days, but I was appalled to see that i had been charged interest in the amount of {$5.00}. The interest charge was more than the remaining balance on the account, so I called to complain. 

The Wells Fargo representative offered to dispute the interest charge, but told me that the policy is not to charge interest based on the previous balance or any payments during that month, but instead to charge interest based on the current balance including all new charges. To make sure I understood, I asked whether that interest calculation would therefore include a large hypothetical purchase on the day just before a payment was due. The representative confirmed that even new transactions that were only a day old would be included in the calculation of interest charges, even though they were not within the time frame where interest should be accruing. 

I would be surprised if this was a legal practice, even if the language is somewhere in the customer agreement. I am able to dispute and/or pay my modest penalty, but other people must have much harder times making any progress if they suffer from these dishonest practices. I hope that by sharing this information, progress can be made to help protect people from this type of predatory lending.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a check from XXXX ( a well known financial institution ) for my retirement funds that I desperately needed. I deposited the check at an ATM ( XXXX ) on XX/XX/year> and it said my funds would be available the next day. Now theyre placing a hold on my check for 8 days and the reason is because it takes time for banks to send information from XXXX another. What??? I have never had this issue at any other bank. It takes XXXX seconds for them to contact XXXX to confirm the check. Its not like my check is coming from an individual, its coming from a XXXX XXXX. Theyre placing me in financial hardship because they drag their feet getting things done.

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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I went to the XXXX XXXX location on XXXX XXXX in XXXX, XXXX  When I went to the exterior ATM at the bank, the screen kept saying processing and still had my card. The machine started shutting down without giving me my card and my cash that needed to be withdrawn. When I went into the bank, they told me there is nothing they could do to give me my funds. They said they would file a dispute and IF there dispute department approves the dispute, I would get my money back in 10 days. This is creating me to have late payments to my daughters daycare.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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:
I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ;, a copy of the creditors payment ledger for the following accounts showing that I was ever late. If you cant supply the information of the alleged late payments please remove /update immediately XXXX XXXX XXXX XXXX account # XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( account # XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( account # XXXX ) ( XX/XX/XXXX ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and stateunder 15 USC 1681n civil liability because Ive been violated.

Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME NOTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.

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 2024-06-07 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: PA

Complaint narrative:
I am writing to request the immediate closure of my XXXX XXXX account, which I have never used, and to demand the cessation of inaccurate reporting of this account as a loan to any credit bureaus. The {$XXXX} reported on my credit report is not a loan and its representation as such is false and unauthorized. 
The continued presence of this inaccurate information on my credit report is causing me undue hardship and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, which mandates the accuracy and authorization of information provided to credit bureaus. 
Therefore, I am requesting the following actions be taken immediately : Close the Account : Close my Credit Builder account with XXXX XXXX XXXX XXXX. 
Cease Reporting : Stop reporting any information related to this account to any credit bureaus. 
Notify Credit Bureaus : Contact all credit bureaus to which you have reported my information and request the removal of any records related to this account that you have submitted. 
Provide Confirmation : Provide me with written confirmation that the above actions have been taken within 15 days of receiving this letter.

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 2024-06-07 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: PA

Complaint narrative:
I am writing to request the immediate closure of my XXXX XXXX account, which I have never used, and to demand the cessation of inaccurate reporting of this account as a loan to any credit bureaus. The {$8.00} reported on my credit report is not a loan and its representation as such is false and unauthorized. 
The continued presence of this inaccurate information on my credit report is causing me undue hardship and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and authorization of information provided to credit bureaus. 
Therefore, I am requesting the following actions be taken immediately : Close the Account : Close my XXXX XXXX account with XXXX XXXX , XXXX. 
Cease Reporting : Stop reporting any information related to this account to any credit bureaus. 
Notify Credit Bureaus : Contact all credit bureaus to which you have reported my information and request the removal of any records related to this account that you have submitted. 
Provide Confirmation : Provide me with written confirmation that the above actions have been taken within 15 days of receiving this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I called Equifax on XX/XX/year>, I advised them that there were student loans reporting on my report that had been closed over 10 years. I advised them to remove the student loans that had been closed over 10 years. On XX/XX/year> they updated the information on the closed accounts to report for another 10 years. Which means these closed accounts would report for a total of 20 years. The loans were with : ( 1 ) US Department of Education/ XXXX ( 2 ) XXXX  XXXX ( 3 ) Department Of Education/ XXXX XXXX XXXX . There are a total of XXXX closed accounts being reported inaccurately. These accounts need to be removed, they are causing a hardship on me and making it very difficult for me to get funding for a home. I files a claim with you last about this and US Department of Education/XXXX  is still not removed from the Equifax report .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: TX

Complaint narrative:
Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Authorized user JCPenny should not be reporting on my consumer report Remove asap XXXX  XXXX XXXX is reporting inaccurate late payments and should be updated as paid as agreed as soon as you receive this message. 

Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 
6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action. 
Sincerely, 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