vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: TX

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Resurgent LVNV FUNDING obtained my personal information without my authorization or consent. I have NEVER did business with this company and have no knowledge of this company nor do I have a contract with this company. This is aggravated identity theft and I have made a complaint with the CFPB, this company responded stating they are authorized to collect on this account even though, I have not authorized or signed any contract with this company. I have not authorized for this company to have my personal information and do NOT agree to do business with them. This company also by the name of Resurgent Capital Service also inquired of my consumer report on XX/XX/year> without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have most of my statements attached for your review ( I have XXXX as well if needed? ) My situation was that they were charging me a credit card security fee and applying the majority of my monthly payments there without my permission or agreement. They never stated that would occur. Due to that I did not show balance was paid in full at years ' end. 

Please advise if you need further information, thank you.

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 2024-09-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
Payments for {$700.00} have been pulled monthly for the life of the loan. Last billing statement was generated on XX/XX/year> showing {$300.00} due as remaining payment. No indication on the invoice that the full recurring amount was to pull. TFS pulled {$700.00} on XX/XX/year>. Called TFS  on XX/XX/year> and was told that return payment will take a month or longer. Received email on XX/XX/year> that payment of {$300.00} was posted to the account with no reference to the overage draft. Bank account went into overdraft on XX/XX/year> due to other payments not for TFS and had to scramble to reallocate money. This is not right and TFS should not be able to pull overage amounts from its customers. I would never have even known that the overdraft and the amount pulled were incorrect if I didn't have automated notifications set up with my bank. Nothing from TFS was sent to me showing the actual amount paid vs posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: OH

Complaint narrative:
My information may have been impacted by the XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists

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 2024-09-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My information may have been impacted by the Equifax Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: CT

Complaint narrative:
I REPORTED TO ALL THREE MAJOR CREDIT REPORTING AGENCIES OF MY PERSONAL INFORMATION BEING IN A DATA BREACH COMPROMISING ALL MY BANK ACCOUNTS, EMAILS, PASSWORDS ETC

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 2024-09-19 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-19 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Subject : Request for Assistance in Removing Inaccurate Inquiry from Credit Report Dear Consumer Financial Protection Bureau, I am reaching out to seek your assistance regarding several inaccurate inquiries on my credit report that I have disputed with Equifax. This Inquiry is associated probably with XXXX and XXXX XXXX   attack on my behalf, which I believe was the result of identity theft or misunderstanding. Despite my efforts to resolve this issue directly with Equifax, the XXXX XXXX  inexact inquiry remain on my report, negatively affecting my credit profile. I kindly request your help in erasing these inexact inquiry to ensure my credit report reflects accurate and fair information. Thank you for your attention to this matter and for your support in protecting consumers like myself. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: DC

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Dae of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, Mortgage loan account, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.

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 2024-09-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MI

Complaint narrative:
Paid {$110.00} for XXXX prepaid card at gas station got home tried activating it had a we ran into a issue pop up I called the number and was told I'm not eligible and now I must wait 30 days for refund sent via check that's unacceptable I should have the option of returning the card to the store or getting a ONETIME atm withdrawal to return my money as fast as they took it

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 2024-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
I can not even begin to describe my nightmare experience with this company. After repeated attempts to validate my debt and merely ask questions about the amount ( for example, my card had a $ XXXX limit ; why do I owe more than {$5600.00}? ), I have never received anything from them detailing this information. 
When this suit was initially filed, I was working with a Debt Consolidation company ( XXXX XXXX XXXX  ) and was represented by XXXX XXXX XXXX, who responded on my behalf ( In fact, I contacted Zwicker several times and was told they could NOT speak with me ). I have emails from XXXX XXXX detailing their negotiations with Zwicker ; I emailed them detailed information about my situation, why the account went behind, inability to pay, etc. yet when I had to go to court for this upon being SUED, they LIED and said they NEVER heard from me- a bold lie ; in court! 
To make matters worse, I lost my job the same month I was served with this " lawsuit '', which is a tragic waste of taxpayer time, dollars, and has taken a significant toll on my health. 
Now, after becoming re-employed and getting one singular check, I called Zwicker ready to pay and make this go away- EVEN THOUGH they have still not validated the debt per my request. I even made two small payments in good faith to them, when I had NO INCOME. I spent hours speaking with the settlement team only to be lied to, manipulated and refused. Each rep had a different " policy '', " lowest amount '' etc. they could offer. Just more continuous lies and deceitful practices. One rep abruptly said " why didn't get get a job and pay this? '' I informed her that I did and am also a full time college student raising XXXX children, she said " yeah nobody wants to flip burgers at XXXX XXXX XXXX but there are lots of things out there to do '' and finally, " couldn't you take a semester off and get a job to pay for this? '' Oh and like many others have reported, they urged me to get a loan, or ask family and friends for money, and that my credit will be ruined from the judgement. Thankfully, their calls are monitored and recorded according to an associate attorney, and will hopefully be made available as I believe they are in numerous violations of consumer protection policies. 
The worst part is I have made it explicitly clear from DAY ONE that I want to settle this. Why do they take people in vulnerable situations, shame them, drag them through court and so on? Just for the hope of getting more money? 
It's sickening. As hard as this year has been for me and so many others, my heart breaks for these people who would be so unethical in their pursuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
I am a home owner in Colorado. In the past year I was forced to seek assistance with my mortgage payments due to being out of work due to XXXX I was XXXX  to something called The Homeowners Assistance Fund or HAF. I was approved for assistance from HAF and received funds which was supposed to bring me current on my payments up to XXXX of 2024 according to my case worker from HAF. I have seen records from HAF & The state of Colorado telling me all of the Funds was sent and received by my mortgage company, Planet Home Lending or PHL. However PHL is reporting to me that the final payment for the month of XXXX was not received. I have been sending records back and forth with the mitigation department at PHL since the end of XX/XX/year> and finally are apparently waiting for the state to respond to the mitigation department at PHL. It is now XXXX going on XXXX and this payment is still missing and is being reported as such on my credit effecting it negatively I feel bullied by PHL a little bit, and my case worker alluded to maybe PHL is not being entirely honest about this missing payment. I have multiple emails from my caseworker indicating this missing payment has been sent to but PHL says other wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I contacted a loan officer to discuss options for lowering my monthly payments. He insisted that the only solution was to apply for a refinance, even though I inquired about alternatives like a loan modification or a loan recast. The officer claimed I would need at least {$90000.00} for any changes, and refinancing was the only way. Later, I found information from NEWREZ that contradicted this, so I called him back to ask specifically about recasting the mortgage. Unfortunately, he hung up on me during the conversation and now will not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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 viewed my credit report and noticed that there are fraudulent accounts.

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 2024-09-19 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: Self Financial Inc.
State: OK

Complaint narrative:
In accordance with 15 USC 1666B ) " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX I deposited my tax refund check from XXXX XXXX XXXX XXXX  into my chase account. Chase immediately placed a 7 day hold on the check. Once the 7 day hold was up the funds were available as of XX/XX/XXXX. When trying to send the money owed to a family member via XXXX XXXX, chase declined the payment. XXXX XXXX said contact provider. I reached out to Chase and they stated I needed to go into a branch to verify my identity. While on the way to chase branch I received a notification that a restriction was placed on the account. When I reached chase bank branch I was informed that the account was on restriction pending close and they did not need to provide me with a reason as to why they were closing the account. At this time I was told I would receive a cashiers check for the amount or it would be sent back to XXXX XXXX. On XX/XX/XXXX I logged into chase.com my account and saw there was a pending debit dda check charge in the amount of the checks I deposited which was {$10000.00} and another amount of {$43.00}. I contacted chase on today XX/XX/XXXX they advised me they were sending a check of {$43.00} and are able to hold the {$10000.00} for up to 2 years. Chase states they were unable to verify the check even though the phone number to verify the check is on the bottom of the check. I've contacted XXXX XXXX XXXX XXXX  personally and they stated the funds were cleared and I would need to contact my bank which is JP Morgan Chase. I can send over any documents needed to verify my identity or proof of address. This was also offered to the bank at this moment and nothing was done. I have my tax transcript and my full tax refund documents stating those funds were valid for me to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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