vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XXXX/2022XX/XX/year> Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry XXXX XXXX/2022 Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : 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 2024-01-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
I've been out of work been trying to submit insurance claim to cover payments no info given to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was charged for a rental house through XXXX that I did not book. I contacted the merchant to inform them and they said to contact my bank. I disputed the charge with Bank of America and sent them my narrative. They did not believe me and sided with the merchant. I made multiple calls to get this cleared up and the bank was not helpful I sent them proof from XXXX showing that I did not book this house but they still have ignored my claim. My credit card company stated the merchant had a contract that my husband signed for the property. This is false and I showed them chat transcripts from XXXX that state neither me or my husband booked the house in question. They do not care and are not looking into my claim. This is almost {$3000.00} for a house that neither I or my husband booked. The last time I talked to my bank I was told too much time has passed so they won't give me my money back even if I had new proof. I am at a loss and can not afford to pay for this rental I had never booked. The bank clearly made no attempt to research what happened and just excepted the merchants fraudulent contract. I unfortunately did not think to contact XXXX through chat and request transcripts until recently because I assumed my bank would do their research. It is also incredibly difficult to get to someone who can help without being transferred a bunch of times and sitting on hold all day. It started when I was sent an invoice to pay my rental balance, I paid thinking it was for the house I booked only to find out it was not the property that I had actually booked.

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 2024-01-19 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: CA

Complaint narrative:
I have reviewed my consumer report and have been made aware that it is reporting that I have a 60 day late payment on an account that was never late. To my understanding consumer reporting agencies have the duty of reporting consumer information accurately to the best of their ability. I have never been late and a 60 day late payment for on date XX/XX/XXXX is blatant inaccurate reporting. Please investigate provide proof, preferably with statements showing that this payment was late. Alternately, if proof can not be provided I demand that this payment be updated to " paid as agreed, on time '' as they should to reflect accurate reporting on my consumer report. Thank you I have attached a screenshot of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got denied my rights to obtain credit! The company based its decision from Experian!

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 2024-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
I got notification that my loan has been transferred from XXXX XXXX XXXX to New Rez LLC. Everything was fine until I went to pay my mortgage online one month and I saw that I had a {$100.00} fee on my account. I looked at the charge and it had no details as to what it was so I sent a message to New Rez through my online portal inquiring this and it took weeks to get a reply. They then sent me a response saying " Please be advised, there is a fee balance of {$100.00} was assessed by the prior servicer for Prior servicer Cost assessed on XXXXXX/XX/XXXX. Please refer to the Loan Transaction History ( enclosed ) showing when the late fee was assessed. Since the late fee balance was not paid, it transferred over to Newrez. Please note, Newrez strives to protect your personal information from unauthorized access and use. As such we use security measures to meet those goals. These measures include computer safeguards and secured files. To open the secured attachment, click view message in the blue shaded area, enter your email address, and then create a password to view the document. '' I then reviewed the account history that they sent me and no where did it say it was a late fee. I've never paid my mortgage late. Looking at the history, I noticed that there was a {$100.00} fee going all the way back to XXXX XXXX XXXX and there are credits and debits that essentially cancels out the charge, but it's still showing there on my portal. When I got to thinking about it closer, I had another complaint with XXXX XXXX XXXX about them not removing my PMI and they were to refund me {$100.00} for the appraisal fee they requested to have my PMI removed. My guess is that they made an error and added the charge back on or messed up their accounting since I do not owe them {$100.00} for a fee since I had already paid it. I called New Rez about this and they essentially said that it's weird and they don't know what it would be. after talking to a service rep who didn't know how to do her job, I got transferred to a XXXX who looked at the transaction history and agreed with me that it made no sense and she didn't know what it would be. This managers name is XXXX XXXX. She told me she would get back to me and never has. That call took place over XXXX weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: WI

Complaint narrative:
Please see attaSAFched documents. Do not close this complaint stating it is not me. I am a natural person and a conssumer.

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 2024-01-19 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: GA

Complaint narrative:
Several Late Payments '' which is a Transaction has been unlawfully showing on my Consumer Report since XXXX, 2020. I have made several attempts to have each of the Credit Agencies Equifax, XXXX, and XXXX to abide by the Federal Laws and remove all violations and Identity Theft ( s ) I have found within my Consumer report that I the Original Creditor never granted them the right to do. This has caused several years of mental stress and a huge financial burden on me and my family. I have been denied credit for a new home, cars, and other extensions of my credit due to this negligence. According to the Georgia Fair Business Practices Act ( FBPA ). If a business violates the FBPA, it must provide consumer with actual damages. Additionally, if the courts finds that the business intentionally committed a violation of the law, the consumer would be entitled to three times the amount of their actual damages. 
Under the Fair Credit Reporting Agencies ( FCRA ) I in Good Faith exercise my right to compensation -If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of {$1000.00} flat ( no minimum ). Per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
The car the loan was for was totalled. I informed the company and they still charge me more than what was agreed for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Bread financial consistently and repeatedly called multiple times per day for each day the payment was overdue. Collector would call 5+ times per day and would call back-to-back. Creditor would also call on weekends. Additionally, the collector never sent a written notice. Pictures attached show recent 48 hour call log. Additional records are available after billing cycle process if requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to seek your assistance in revisiting the findings related to my recent complaint, which pertains to several accounts on my credit report. The accounts in question are listed on the letters.

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 2024-01-19 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
This company interests rate was almost 100 % - the pay off was more than expected. 
One Main Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On XXXX  I canceled products that were I were told were needed in order for me to receive the car loan from XXXX XXXX XXXX ( Warranty and Gap ). The products were cancelled to bring the loan up to date and during the process of waiting for Credit Acceptance to receive the money they came and repossessed the vehicle and took the money from the cancellation fees. They never called me and told me where the vehicle was and my possessions were never returned to 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 2024-01-19 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: LA

Complaint narrative:
XXXX XXXX XXXX has and is reporting inaccurate information on reports from Transunion. They have duplicated the debt on my credit report. They are also reporting inaccurate dates of last payment, inaccurate amounts of settled payment and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX In to the Transunion.

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 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed information is not relating to any transaction by 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 2024-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
I am requesting a copy ( dated ) of every communication that was sent via mail and email to me on the alleged debt. 

I would like verify the validity of the this debt, any corresponding charges and ledger on this account. I would also like a copy of ALL documents related to the signed contract for this debt and any contract between the collector and the company who performed the repossession. These documents will need to be dated with the address to which they were sent. 

This company has provided me nothing, filed lawsuit and pursed garnishment without providing me the opportunity to validate any of this debt.

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 2024-01-19 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: OneMain Finance Corporation
State: TN

Complaint narrative:
Paying too much interest fees every month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: KY

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2024-01-19 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: KY

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2024-01-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
XXXX is when I took out the loan. I paid it off in XXXX. 
I tried to have the add-on insurance XXXX removed a couple months after getting the loan as I was not aware of what it what but that I would not be able to get the loan without it. Supposedly was supposed to be insurance I could use over the road or at home. I was told I had to get it. And the amount was different later after I got it. And they told me I could not have it removed from the loan. But I never used it and didn't even know what they really were adding on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX, XXXX amount {$570.00}. I sent disputed letters to the credit bureaus for validation of debt. No response. 
XXXX, XXXX amount {$570.00}. I sent in dispute letters for the account and no actions were taken on my behalf.

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 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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