vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/year>, I deposited my XXXX retirement account check via mobile deposit. I didn't end up receiving my funds until XX/XX/year> and this was after numerous hours on the phone with customer service and at the branch. When I went into the branch I dealt with XXXX XXXX. She told me that my bank account was closed due to " non activity ''. Well, the reason why the account wasn't active was because my funds weren't deposited into my account. She ended up reopening my account, giving me the cash amount of the check which was {$1200.00}. On XX/XX/year> I was charged for that same amount, {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from 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
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from 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 2024-07-30 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: MO

Complaint narrative:
I am writing to express my ongoing concern and disappointment with your handling of my previous dispute regarding several inaccuracies 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
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My mortgage company ( NewRx/Shellpoint appears to not report all my payments to credit bureaus. I first learned of this XX/XX/year>. I've been in contact with both mortgage company and credit bureaus. Credit bureaus say they are NOT receiving payment information from mortgage company. Mortgage company is blaming credit bureaus for not accurately keeping up with reports of payments. I've paid all payments however credit report says no payment since XX/XX/year>. I work really really hard to pay all my bills without lapses. Please help me find the problem of my credit report staying up to date. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: GA

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-07-30 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: GA

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I work for XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX was part of a massive data breech last fall. Due to this my husband and I both put credit freezes on our accounts. On XX/XX/year> we purchased a new car so for one day we took the freeze off of our credit in order to process that transaction. That same day there was a fraudulent credit card through Bank of America ( BOA ) taken out under my name. The credit card had a {$12000.00} limit on it. I received no correspondence regarding this card either through email or mail. I did not have any knowledge that this card existed until XXXX when I started noticing a severe drop in my credit. I pulled a credit report and found that card. I had an existing credit card with BOA that I never used so when this card was set up it linked with my existing account through my social security number. There were no charges made on the card, only fees that are at this point totaling almost {$600.00}. I made complaints through XXXX, XXXX, and BOA reporting this as fraud. BOA said they would investigate this as fraud and let me know in 30 business days the result. I never heard back so I called them again in 45 days and was told that the original agent never submitted this as a fraud case. I was told once again this would be submitted as a fraudulent card. I at that point filed a police report. I hadn't previously filed a police report because it was a known data breech issue with my company so I just reported it to my company. I called BOA back to add the incident number to my case and was told at that time that the case was already decided and it was found that I am liable for the card. I reopened the investigation and added the police report to the case. It is still being investigated. I never actually received a credit card so I do not have a credit card number or account number for 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 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with those acounts 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 those account 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-07-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Torriere Holdings INC
State: KS

Complaint narrative:
Today I received a call that came across my cell phone as " XXXX - XXXX XXXX  SRS ''. When I answered, the representative stated they had a very important issue to discuss with me and asked if I would be ok being transferred to a representative. I said yes. Upon being transferred, the representative on the phone said they were trying to get into touch with me regarding my old debt with XXXX XXXX. I was stumped why the SRS was calling regarding the debt, but continued to listen and verify the information they had. Then it just started to make no sense. So I asked if they were really the SRS or just a collection company. And she said a collection company. So I told her that they are being extremely deceptive and misleading who they are in regards to contacting consumers and they no longer had my permission to discuss this debt or contact me. I found out that they are called Spire Recovery Solutions, hence how they are attempting to call themselves " SRS ''. I do not think it was a coincidence or me simply misunderstanding. They are deliberately and intentionally trying to impersonate a government office in order to make contact with debtors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.

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 2024-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc.
State: WA

Complaint narrative:
ADP sent a check which for some reason they said was an excess disbursement which is not true as I do not have any other 401K 's. ( See check reference below ) And now the money is missing. I did not request a {$22000.00} disbursement. The gross amount was in excess of {$22000.00}. 

Reference Number Date Net Amount Reason Status XXXX XX/XX/2024 {$19000.00} EXCESS DEFERRAL STOPPED XX/XX/2024

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: TX

Complaint narrative:
Took a personal loan for an emergency. The amount was {$1000.00}. I knew I would be repaying it before the first month was due to avoid paying additional interest. 
The repayment option I requested was the shortest amount possible, 3 months. When the loan was explained the customer service rep was explaining everything as fast as they could to avoid being questioned. When questioned they were very confrontational. When signing the loan, the terms and conditions were not presented prior to signing, there was only a digital signature requested but no details to review. The loan was put into an 18 month repayment period with withdraws from my account every 15 days. I noticed that when my first installment was withdraw from my account 15 days after requesting it for {$310.00} dlls.

After further reviewing the details after the first installment was withdrawn, realized the APR for the loan was 688.40 % and the total cost for the loan would be {$4500.00} for a {$1000.00} loan which was unthinkable when I requested this service. I made a payment in full to close this loan. I have read and was very aware of these types of practices affecting consumers but I never imagined the amounts charge would be this astronomical. Services like this should be banned and dismantled as they only hurt the customers using them. I can not stress this enough, this company must be banned from operating and hurting more customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NPG Associates, Inc.
State: CA

Complaint narrative:
This collection company is calling me daily sometimes multiple times a day and leaving threatening messages. They are asking for my adult son who has not lived here for over XXXX  years and I do not have contact with. I have repeatedly told them that they have the wrong number and to stop calling.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: MI

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 
Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.

4. 15 U.S. CODE 1692e - False or misleading representations XXXXXXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from 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
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I consolidated some credit card debt at fifth third. I opened 2 accounts, 1 credit card and 1 loan. We agreed that payments would come out on the first of each month. I checked my account and they have been charging me late fees every month stating that the money is due on the XXXX. Why would they set up automatic payments for me to have them paid late? I made payments every month at the agreed time ( the XXXX ) on time and they won't waive the late fees. I had not been checking monthly statements and did not notice these late fees until a couple weeks ago because I had automatic payments set up and I was making sure I was paying them. I tried to call and have the problem fixed and the charges reversed but they refused. They were very deceptive in allowing me to set up automatic payments 2 days after the due date every month. What kind of person would set up payments like that? They were being intentionally deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with those acounts 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 those account 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.

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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a fraudulent charge on my account and I had contacted the Bank Wells Fargo with you guys, they gave me temporary credit to, " Check the issue '', but they took their sweet time of almost 3 months and now decided to revert the credit given to me. I do not think this case was reviewed at all and waited until the end of this month to just take the money back with no reason.

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