vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC
State: AL

Complaint narrative:
In XXXX of XXXX, an attempt to serve papers on me was made at a prior address. My prior landlord did not have an address or current phone # for me, but signed for the papers and then tried to locate me which he eventually did. He forwarded those papers to me at that point. They were papers alleging that I owed a company called " XXXX '' a sum of {$4000.00} plus court costs. I have NEVER borrowed a sum of money anywhere in the {$1000.00} + plus range. I believe that it could be possible that I might possibly have done a small " payday '' loan with this company when I lived in XXXX Al which would have been PRIOR to XXXX. I can't say for sure. If so, it was in an amount under {$500.00} which I would have paid back. Although I can find no record of such, I do believe that I was contacted via telephone in the late XXXX by individuals claiming to be from XXXX. I felt it was a scam. They had foreign accents and were pressuring me and I refused to do business with them. I did NOT borrow any money from them and did not hear anything further from them after that point. I was living in Montana at the time. I have never received any " reminder '' notices or other correspondence regarding owing any money to " XXXX  ''. There is no record of a debt owed to them anywhere on a Credit Bureau Statement from all XXXX major Credit Bureaus. I have studied my credit report in depth and have discovered XXXX addresses and XXXX phone number that have NEVER been mine. They are : XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX also located a phone # in the XXXX? : XXXX This number appears to be a " mixed up '' version of my current phone #? 

So ... this is where I stand with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following personal information pertaining on my credit report are not mine. Please remove them, I have submitted a complaint to the bureaus multiple times. I have listed the the inaccurate personal information for your reference. 

Inaccurate Addresses : XXXX XXXX XXXXXXXX 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 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 2024-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I started college in XXXX and did not finish. I was making payments to XXXX before they were transferred to Mohela without my knowledge or consent. Then Covid happened and all payments were paused and I started going back to school so now they are deferred. I am looking to restart payments as I graduate soon and noticed all of my payment history to XXXX is gone. I called Mohela and they cant find them, and I cant login to XXXX anymore to get the payment copies. It is important my payments are recoded because they count towards forgiveness and Mohela has been less than helpful. They have said I can not pay the loans I want- they choose, I can not refinance, consolidate, transfer them to another servicer and they are basically unwilling to do anything to resolve the issue and prove I owe the balances I have on my account and show I have made payments towards them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I reached out to Chime and XXXX for some type of resolution for this unauthorized payment to this website XXXX and the dispute was pretty much shut and closed, Its a online transaction what information could the possible use to prove it was me who made it? A name? Thats point of fraud its called identify theft! Scammers literally get away with anything these days because of the lack of investigation companies use to save theyre own tails for actually helping, They charge you up the XXXX in fees monthly but when it comes down for help they deny you in minutes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I am reaching out to address a concerning matter regarding the accuracy of my credit data within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate date that require immediate attention. For matters related to the accuracy of credit reporting, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
"

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 2024-04-12 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: CA

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is both a breach of my privacy and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello, I am sending this due to the violations towards this company. This company has ignored my consumer rights and laws for years. I wanted to give up but I have to keep fighting. 

I explained the information on the Bankruptcy they are reporting is inaccurate. They respond is we will not investigate anymore or send back verified. 

When I told them about their lies. Now all they do is ignore me or just computer generate verified They has damaged my credit report by lieing on third parties. 

I want their Method of Verification from all parties they verified this information is correct. 
Names Phone numbers Addresses After all this investigation laws I have followed are. Other times I have placed a complaint was on XXXX and XX/XX/XXXX 15 U.S.C 1681 ( b ) permissible purpose of consumers reports 15 U.S.C. 1681 ( T ) relation to state law 15 U.S.C 1692 ( E ) false or misleading representations These laws mean some I need answers and fast answers to why they have not followed the The StatuteThe specific section of the FDCPA at issue is 15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AAA Collections
State: SD

Complaint narrative:
I never knew there was a a bill for XXXX of my daughters appointment from a XXXX XXXX in XXXX SD that come to the original clinic my daughter goes to And 7 months later a receive a call from triple A collections saying I owe money, so now they keep calling me but i would of know my daughter had a bill we wouldnt never let this happened

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following personal information pertaining on my credit report are not mine. Please remove them, I have submitted a complaint to the bureaus multiple times. I have listed the the inaccurate personal information for your reference. 

Inaccurate Addresses : 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 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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The following personal information pertaining on my credit report are not mine. Please remove them, I have submitted a complaint to the bureaus multiple times. I have listed the the inaccurate personal information for your reference. 

Inaccurate Addresses 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: NJ

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I took out a {$29000.00} loan with Upstart in XX/XX/2021. Since then, I have made 29 payments, ranging from {$800.00} to {$1300.00} each. Currently, my balance is {$27000.00}. 

Upstart is unable to explain how I could possibly pay almost $ XXXX in payments, yet my loan balance has moved virtually nowhere. 

My thoughts are it must be due to the predatory nature of their services, which include - High late fees- Compounding daily ( or every hour?? )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NM

Complaint narrative:
XXXX XXXX was unwillingly chosen for me by Vanderbilt Mortgage. I was not involved with choosing my coverages with this company. Through my own personal investigation I have deducted that this company is willfully and maliciously over insuring customers without the customers knowledge with the help of Vanderbilt Mortgage. Any attempt by customers to lower such things as personal property insurance level are rejected by XXXX XXXX with the blessing of Vanderbilt Mortgage. Any attempts by the customer to reach out to the underwriter of the policy XXXX  and file a complaint are ignored by XXXX. XXXX XXXX, XXXX and Vanderbilt Mortgage have banded together in an attempt to overcharge customers by pushing unauthorized insurance products on unknowing customers. When asked by the customer to change coverages the customer is then mislead to believing that the coverage has been changed, but refused evidence of the change. Notice of refunds are also information that is unknown to the customer. I will be reaching out to the appropriate government agencies to report these individual companies and address the situation that I have personally experienced.

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 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
This dispute involves my Wells Fargo checking account ( XXXX ) I deposited a {$2100.00} check, using the Wells Fargo Mobile app, on XX/XX/year>. On XX/XX/year>, Wells Fargo withdrew {$2100.00} from my account, because the check was negotiated a second time. I was provided with the information that the second transaction occurred at XXXX on XX/XX/year>, and a copy of the check that was negotiated. 

The check was clearly marked for mobile or remote deposit only, and I do not understand how a third party could access money from a check addressed to me, which had already been deposited. Wells Fargo did not investigate this for me. 

The check was endorsed by me for mobile or remote deposit only. The image of the negotiated check was stamped. XXXX did not honor my endorsement. Therefore, I do not believe that I am liable. 

I have filed a police report with the XXXX XXXX. However, Wells Fargo has refused to provide me with additional information about the time or the physical location that the second fraudulent transaction occurred. I would also like to dispute this with XXXX, but as an individual with very little information, I do not feel like I am well equipped. 

The writer of the original check has contacted his bank ( XXXX XXXX ), and they were very clear that Wells Fargo, and not them, are liable.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX - Credit report from TransUnion, pulled at car dealership, falsely showed me as deceased reported by TransUnion. 
Called TransUnion help hotline multiple times for weeks, trying to get my deceased indicator removed from my report.

Sent multiple letters in the mail to have problem fixed. 
Finally received full credit report from TransUnion on XX/XX/XXXX, but still has not fixed the issue - deceased indicator on my file.

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 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They once again closed my dispute. They sent a breakdown to CFPB that did NOT include payments made in XX/XX/XXXX and XX/XX/XXXX of {$230.00} each. They claimed to give me a direct contact to CFPB but that was also not true and the number goes straight to voicemail and they never return my calls. I made several disputes throughout the year of XXXX and each time the synchrony rep admitted the balance was wrong- I have it all recorded. They would submit for it to be corrected, only for adjustments to be made to the balance but they would still be incorrect. After further research, the difference owed was merely {$43.00} once the refund was issued from sleep number but synchrony continued to send me statements with the wrong balances. Original Purchase amount was {$3300.00} and the credit refund issued was {$2400.00} leaving a difference of {$810.00}. {$770.00} worth of payments were made in XXXX, XXXX and XXXX of XXXX. The difference would be {$43.00}. Yet the statement mailed in XXXX of XXXX after the refund was issued showed a balance of {$230.00}. I then contacted Synchrony MULTIPLE times and they submitted multiple disputes to get the balance corrected so I could make the payment if indeed anything was owed. I have NEVER had a late payment yet now they are reporting on my credit that I was 90 days past due. They never supplied me with an accurate balance and everytime i call in ( recorded calls ) they admit it is incorrect. Since I have called in on this dispute, they hang up on me everytime. Unacceptable

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 2024-04-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/XXXX a vehicle I was financing through Nissan Auto Finance was stolen. On XX/XX/XXXX XXXX XXXX XXXX paid a settled amount for the amount of {$8700.00} to XXXX XXXX XXXX for the stolen vehicle. XXXX XXXX XXXX never contacted me to tell me that I was responsible for a remaining balance of approximately {$2600.00}. On XX/XX/XXXX, I received a call from an investigator who is working on granting me a security clearance for a XXXX position. The XXXX informed me that I have a report on my XXXX XXXX regarding an unpaid debt to XXXX XXXX XXXX. I contacted Nissan XXXX XXXX XXXX XXXX on XXXX XXXX twice to request information regarding the supposedly outstanding balance. Nissan provided me with the phone number and name of a collector company, XXXX XXXX. I contacted them and spoke with XXXX XXXX. He stated Nissan opened an account with them on XXXX XXXX regarding the supposedly outstanding balance and informed me Nissan never provided them with my email address or phone number. I asked them why they wanted to collect the supposedly outstanding balance when I was never contacted before for the past 7 years/ almost 8 years. They told me to contact Nissan for any questions, and that they will be putting the account on hold until they send my questions to Nissan and will the answers from them. I contacted Nissan XXXX XXXX XXXX again, and this time they told me that they have sold my account to different collector companies starting on XX/XX/XXXX, but all the collectors closed the accounts, so Nissan kept selling the account to a different collector over the past 7 years/ almost 8 years. However, Nissan never contacted me, nor the many collector companies to include XXXX XXXX. I requested to speak to a supervisor and was informed the supervisor was busy. I asked if it would be possible to get a detailed account history report with all the collector companies and their reason behind them closing the collector accounts for over the years. I was told Nissan did not have that information. I asked if I could speak with a person from Nissan that was willing to explain the charges, provide documentation and wanted to work on a payment agreement. I was told to contact XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with explanation