vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: DE

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-01 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 recently reviewed a copy of my credit report and notice I had fraudulent charges on my report. Please remove the fraudulent charges as it is hurting my ability to obtain credit.

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 2024-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: SC

Complaint narrative:
I have gotten behind on all of my bills due to financial hardship from medical condition and I was in between jobs and wasn't getting a paycheck. I was making payment on a new payment plan and then I fell behind. I was behind {$400.00}. I called the company and told them that I could pay {$200.00} back in XXXX and they said that they would not take the {$200.00} payment. I need to pay the entire amount to catch up. So I got enrolled into a debt management plan with a company and added this loan company on this. The debt management company was charging too many fees so I cancelled it last month. Today, I received a civil lawsuit from the loan company. I called them and they said they would stop if I caught the loan up. The past due is around {$800.00}. I tried to pay this company {$200.00} and they would not accept it. The manager name XXXX said that he would have another manager call me that day and no one called me. I don't understand why they would not take two payments that I was trying to make and now they want to file a civil lawsuit against me. I don 't have anything. I am homeless right now. All of my possession were sold that I had in storage because I could not pay the storage bill. I just had a mini XXXX from all of the stress that I am dealing with from financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WESBANCO BANK, INC.
State: PA

Complaint narrative:
The account was closed about 10 years ago yet solicitation is happening in a XXXX family member 's name. 
See attached letter : To whom it may concern : This is a fifth request to stop sending emails to XXXX XXXX at XXXX. She did not request any insurance information at any point since 2014. She is XXXX The multiple attempts to stop the emails is a secondary concern to the fact that almost 10 years later, the insurance sales got her information from WesBanco!! I was told XXXX obtained the information and is sending the emails. How would they ever get his old information especially when the account was closed due to death? The continued emails and inquires reveals a highly flawed security concern. I highly suspect a security breach is involved as well. Therefore, I am sending the incidents to XXXX XXXX XXXX XXXX and the Consumer Finance Protection Bureau for further investigation. 
The security issue is not my only complaint. It is very upsetting to receive these emails and have to make calls to ask to stop the correspondence. I am XXXX, so the energy to retrieve the documents and call to ask for removal each time is burdensome. Therefore, I am billing you a service fee of {$200.00}. I waived the first occurrence as respect but with 4 additional incidents ( 3 within a month today 's time ), I will no longer waive the charges for my valuable time. Payment can should be sent to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am home owner in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that destroyed XXXX cars and did severe damage to my home. The skylight on my roof shattered and hail, glass and rain poured into my house from the XXXX ft. square skylight. The night of the storm, I brought in emergency crews to temporarily cover the roof, remove glass and water and install a drying system. They mitigated the damage and documented extensive scope of harm to my house. I had to repeatedly get XXXX XXXX to come to my house to meet -- XXXX sets of adjusters all with extremely low estimates. XXXXXXXX XXXX XXXX XXXX XXXXXXXX said it was XXXX of the " XXXX XXXX '' worst hailstorms he had seen in his career. The estimates were irrationally low. New Rez/Shell Point XXXX XXXX XXXX  year mortgage in XXXX, and I owe {$24000.00} and XXXX more payments. I have never been late in making XXXX payments for the full amount due each month. New Rez demanded that I endorse the XXXX XXXX checks in my name and I sent them to XXXX Michigan New Rez per their instructions overnight, fully endorsed on XX/XX/XXXX. I sent proof of remediation and having paid {$7500.00} for completed emergency repairs. New Rez deposited the checks on XX/XX/XXXX, yet have not paid me a dime to date. They said that " over XXXX requires them to deposit the funds and hold them '' - yet they have not paid. They sent me a letter asking me on XX/XX/XXXX if I wanted to re-finance my home saying that I have a current value of " {$410000.00} '' on my property. They are accessing my claim, and I have asked to speak to payment supervisors. I am using the money on my home from insurance that I paid, they have a 5.9 % interest in their assessed value of my home yet they plan on holding back APPROVED HAIL REPAIR funds equal to my total mortgage. It's irrational and essentially shifts onto me the burden of repairing from a disaster with personal funds when they are sitting on my repair money. I have been forced to seal my roof and continue repairs while they make excuses. I've asked to speak with XXXX or XXXX and am filing with Michigan Attorney General. Texas law is to lenient to lenders and insurance companies during this recent disaster -- it is harmful to consumers. The funds belong to my house to be used by me to make repairs -- not held by a XXXX Michigan mortgage company with over XXXX complaints on 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 2024-04-01 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-01 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: FL

Complaint narrative:
I recently looked at my credit report from EXPRIAN on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 2. XXXXXXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 3. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 4. XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 5. XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B

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 2024-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Betterment LLC
State: CA

Complaint narrative:
Per Betterment Cash Reserve account, XX/XX/2023, {$440000.00} is taken out to another account ( XXXX ). However, per my records, the amount is still with Betterment until now, yet XXXX statement shows that {$440.00}, XXXX  " redeposit '' on XX/XX/2023. 

Also, monthly accumulated interests has not been reflected on my Betterment account nor statements since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This Home Depot credit card has four promotional balances on it, but they refused to allow me to pay them! I could not pay them online. I was told I had to talk to a representative. After 30 minutes on hold and asking for a supervisor THREE times, they still seem unable to let me pay my debts without being able to charge me the interest!!! TOTALLY SHADY BUSINESS PRACTICES. 

I just got off the phone with the the " final '' supervisor, XXXX XXXX, who stated that my account balances, including the promo balances are being paid today, but I am concerned that I am just being told that because they said the balances wouldn't show as PAID for SEVEN DAYS!! SHADY.

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 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Unauthorized account on my credit report XXXX XXXX XXXX XXXXXXXX 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 2024-04-01 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Two Vystar Credit Union Accounts were hacked by a person who had stolen my tablet giving the predator the ability to access my accounts by causing the account to overdraft and then using fraudulent checks to obtain fraudulent transaction. 

This is the last time I am going to report this fraud and lack of accountability for the theft against my account and my credit report.

I have sent Police Department Reports and filed multiple reports with the FTC.

This is a violation of the law and the fact that they are not responsible individuals whose actions have shown they are morally wrong to do anything harmful to their customers.

This violates the law of the FCRA 605 B

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 2024-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
LJ Ross and Associates has reported to XXXX that I lived at an address in XXXX and had gas service with a company I have never heard of, XXXX XXXX XXXX and XXXX XXXX in the amount of, {$2000.00}, Account number XXXX. They reported that they verified this information but it is impossible because I have lived in the same house in XXXX XXXX, IL. for over thirty five years using the same gas company which is XXXX. 
The false information and reporting by LJ Ross and its employees which they continue to do monthly has had a negative impact on my credit score and I have been denied credit due to their negligent reporting. I tried to resolve this with the XXXX  but LJ Ross continued to say that they verified this information which is not true. XXXX complaint # XXXX filed in XX/XX/XXXX. 
I want LJ Ross to stop remove this false information from my credit report and not sell this information to anyone else. As you will see on the attached As you will see on the attached complaint to the credit bureau, this account appeared on my report in XXXXXXXX XXXX XXXXXXXX under XXXX XXXX XXXX. I disputed the account with XXXX from XXXXXXXX XXXX on XX/XX/XXXX at XXXX and the collection was removed from my credit report then sold to LJ Ross and now they are reporting it.

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 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: KS

Complaint narrative:
My card ( in my wallet ) and phone was stolen by my twin brother and ex husband. I contacted chime and was told to wait for transactions to settle. My account was accessed and over {$7000.00} drained. 

Charges settle and I call chime to dispute them XX/XX/2024 ( Saturday ) they denied my claim XX/XX/2024 stating no error occurred according to merchants. 

How did they investigate in XXXX days ( XXXX being XXXX XXXX  and the other a XXXX  ) and close my claim. There was no due diligence in this investigation. 

I will be taking this to XXXX XXXX  ON XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
On XX/XX/XXXX, my daughter XXXX, used our Apple Card from Goldman Sachs and made an online purchase from XXXX XXXX ' XXXX and a company called XXXX. On XX/XX/XXXX, literally the very next day, she called to cancel and was told she had XXXX options, the second on " # 2 If you'd still like a refund, our process is for you to go through a brief exit interview with our in-house coach, XXXX. XXXX XXXX immediately responded she would like to choose option 2. and on XX/XX/XXXX she had a call with said coach. Then, when this still wasn't refunded she disputed the charge with XXXX XXXX XXXX XXXX. Now, XXXX is stating this time period is WAY past an acceptable refund/dispute date. She did exactly what was asked for a refund and still, almost a year later we continue to get the run-around with XXXX, Goldman/Apple and can't even get them to read their own materials on how to get a refund. And their marketing materials clearly show you can " Cancel anytime. 30 day money back guarantee ''. 

This is beyond ridiculous that they told XXXX exactly what needed to happen for a refund, a refund she requested less than XXXX hours after placing the order. She jumped through their hoops, had a call on XX/XX/XXXX with their coach and we are still out all this money. Companies have gotten out of control with the advance of the internet at leave no room for consumer protection. by law, they have to provide all the details and give at least three full business days for someone to rescind a contract. Additionally, by law they have to provide something like the following : Event dates and locations are subject to change. Non-attendance at the event is not grounds for refund, nor release from this agreement. All deposits, advance payments, finance forms and tickets are non-refundable and held as in-house credit toward future enrollment and/or purchase. You have three days from the date of this agreement to review and/or return the training materials with no penalties for cancellation.

And/or Cancelation Policy You, the buyer, may cancel this agreement at any time prior to midnight of the third business day after the date of this agreement, excluding Sundays and holidays. To cancel this agreement, mail or deliver a signed and dated notice that state that you, the buyer, are canceling the agreement, or words of similar effect. Such notice shall be sent to the sellers address.

Company response to consumer: Closed with explanation