vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Services XXXX XXXX XXXX XXXX, Ma, XXXX Subject : Dispute of Collection Account ( XXXX ) Dear CFPB, I am writing to dispute the validity of the collection account associated with ( XXXX ) on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in PA . If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Company is committing fraud. The company is not following federal consumer right laws. Have sent in documents and called with no reply or provided documents meaning contracts for fraud account that was open in my name. Its been over a year with no answer I will be filing a civil law suit against all companies listed.

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 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I have filed 2 complaints besides this one. I have asked the same question on both complaints. The documents they sent me did not answer my question at all. They sent me a payoff letter which I didnt ask for, so I hope I wasnt charged for it, and a verification of debt letter. My question was specifically for : How long is the Pennsylvania Statute of Limitations on debt? The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( XXXX XXXX XXXX XXXX XXXX ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc None of the documents they sent me answer under the law above if my mortgage was dismissed in bankruptcy court in XXXX, how can they still be charging a debt that has been discharged since XXXX? That was over 5 years ago. This debt is now uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: IA

Complaint narrative:
I had a problem trying to get money off my, NetSpend card it was worn, so.i ask to.get a replacement card which I had another NetSpend card after talking to the representative, he activated my new card on XXXX XXXX, but was never able to release my funds off my other card ending in XXXX card ending in XXXX, so I sent them the information about XXXX, to XXXX times always the same answer, your funds will be released in about XXXX to XXXX hours, never release my funds, I've changed to, XXXX  after talking to the S.S office sent my information faxed to NetSpend, to make sure they received it in which they did I got the fax confirmation number, but they told me the need day to send it again, and again, but nothing changes, please help me to retrieve my XXXX money ... 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 2024-08-12 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: GA

Complaint narrative:
XXXX XXXX  is reporting late payments for XXXX, XXXX, XXXX. 
I requested for these late payments to be removed off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On at least 4 electronic checks issued thru our business checking accoung the bank allowed the checks to be cashed 2 times. 
Wells Fargo check XXXX amount {$20000.00} cashed on XX/XX/XXXX and XX/XX/XXXX check XXXX amount {$27000.00} cashed on XX/XX/XXXX and XX/XX/XXXX check XXXX amount {$4900.00} cashed on XX/XX/XXXX and XX/XX/XXXX check XXXX amount {$5600.00} cashed on XX/XX/XXXX and XX/XX/XXXX During the check issue in XX/XX/XXXX, I called in to my business account manager and escalated the issue to the fraud department representatives. Only to be told they do not guarentee echecks can be stopped before this would happed. After meeting with a branch manager as well there was nothing done. Their advice was to place a stop or cancel on the checks once we knew they were cashed the first time to hopefully aid on stopping any furure attempts to cash these checks. However they did not state this was absolute. There was no resolution. 
As for my company we have minimal amount of echecks transacted thru Wells Fargo due to these issues and have moved most of our business away from them. Due to our business model being remote we must have echecks, online banking and depend on a financial institute that is secure.

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 2024-08-12 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: ID

Complaint narrative:
After reviewing my credit reports, I noticed these late payments on accounts that I was not late for. How can one consumer reporting agency show ontime payment and another show 30 days late? The consumer reporting agencies have a vital role and it is their responsibility to only report 100 % accurate information. I have not been late on the accounts that I have outlined on the attached screenshots. 

Account Name : XXXX XXXX XXXX Acount # XXXX Month/Year : XX/XX/XXXX & XX/XX/XXXX Account Name : XXXX XXXX Acount # XXXX Month/Year : XX/XX/XXXX & XX/XX/XXXX & XXXX XXXX Please investigate and provide proof with statements showing that the payments were in fact late. If proof can not be provided, I demand these payments be updated to PAID AS AGREED ON TIME status as they should be reporting as.

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 2024-08-12 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: GA

Complaint narrative:
To Whom It May Concern, I recently reviewed my XXXX consumer credit report, and found unauthorized and fraudulent inquiries on my account where someone applied for credit in my name. I have contacted Equifax on multiple occasions via mail and over the phone to file disputes. It has been over 45 days from the original dispute date ( XX/XX/year> ). Equifax has not made any efforts to remove these fraudulent inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

Violations : - FCRA Section 609 ( c ) - FCRA section 607 ( b ) - FCRA Section 623 - FCRA 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!

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 2024-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
The company best egg agreed to give me an extension on payments after I was cut down to part-time hours at work. The agreement was there for 60 days I would not make payments and then that my payments would resume as normal. They sent me an email confirming this. 
They then proceeded to put non-payment marks on my credit score for 30 and then 60 days of non-payments. The result was that my credit score fell by XXXX points! It took me almost a month to get someone to respond to me as to why they did this even though they agreed that I wouldn't make payments for 60 days. When I did get a response they told me it would take 45 days to fix it. 
When they did finally address the issue they only changed one of the marks to improved which raise my credit score XXXX points. They did not even bother to address the other Market all. This leaves my credit score XXXX points lower than it should be. I can not refinance my car, I can not be put on the mortgage for my house, and the deadline for the low interest rate small business loan that I was hoping to get has now passed. 
They are not refusing to fix my credit score and raise it the appropriate XXXX points to where it should be. They are claiming that on their end everything is fixed. When I log in and look at my credit reports nothing is fixed. I have taken screenshots. 
If you value your credit score do not do business with this company. They made a mistake and I understand that that happens, but their refusal to properly correct that mistake and leaving me hung out to dry is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I called XXXX XXXX XXXX XXXX. I asked them about the debt I owed, but XXXX XXXX couldn't even provide it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$19000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NV

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Good afternoon cfpb I lost my credit XX/XX/year> I called people from XXXX to letting them know they never responded and I left message from them after XXXX years they try to agains me by debt collection I dont nothing about this money {$4900.00} and I dont know portofolio recorvery and I never spoke to anyone about this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the following items that have appeared on my credit report .I believe these accounts have been mistakenly associated with my credit profile and are not mines. They are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These items are inaccurate and do not reflect my financial history. I have not had any accounts or dealings with these entities and their presence on my credit report is incorrect .Please investigate this matter and remove these inaccuracies from my credit report immediately. I have a copy of my credit report from both XXXX and XXXX, highlighting the items in question along with a copy of my identification and utility bill for verification .I appreciation your prompt attention to this matter and look forward to your confirmation that these items have been removed from my credit report. A copy of a police report was sent in the mail

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 2024-08-12 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-08-12 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: OH

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX 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.

EXPERIAN 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 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief