vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Cavalry Portfolio Service has reported an account on my consumer report that I have no knowledge of.I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt I am not liable for. I do not owe or have a contract with Cavalry Portfolio Service. This is a violation to my privacy and consumer rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
XXXX XXXX jacked up my interest rates for unjust cause XX/XX/XXXX wiped out all my statements off line, when I disputed the interest rates after discovering this XXXX XXXX tried to say I reported my card lost or stolen which I did NOT DO. THEY DELETED THE OLD ACCOUNT NUMBERS AND ADDED NEW UNFAVORABLE TERMS AND CONDITIONS ON MY CONSUMER REPORT. AFTER TRYING TO MAKE A GOOD FAITH PAYMENT XX/XX/XXXX. XXXX XXXX refused my payment after holding it for a business week. Returned the uncashed check to me and reported to the consumer reporting agencies Trans Union and XXXX that I was late in XXXX which I had already filed in Arbitration with XXXX. End of XX/XX/XXXX. They closed my account reported 180 days late and charged off the account and reported the account was reinvestigation complete by furnisher XXXX XXXX which was not and is still in dispute with Arbitration and Federal courts. But they still refuse to correct the inaccurate information that they report for over two years in dispute and refuse to correct or fix the lies and incorrect, inaccurate, incomplete information on my consumer reports. This is a travesty of injustice and misleading and should never have gotten to this point as the CRA s will not look into any furnisher or subscriber of theres to fix or corrects this matter of inaccuracies. They need to be punished

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 2024-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX jacked up my interest rates for unjust cause XX/XX/XXXX wiped out all my statements off line, when I disputed the interest rates after discovering this XXXX XXXX tried to say I reported my card lost or stolen which I did NOT DO. THEY DELETED THE OLD ACCOUNT NUMBERS AND ADDED NEW UNFAVORABLE TERMS AND CONDITIONS ON MY CONSUMER REPORT. AFTER TRYING TO MAKE A GOOD FAITH PAYMENT XX/XX/XXXX. XXXX XXXX refused my payment after holding it for a business week. Returned the uncashed check to me and reported to the consumer reporting agencies XXXX XXXX and Experian that I was late in XXXX which I had already filed in Arbitration with XXXX. End of XX/XX/XXXX. They closed my account reported 180 days late and charged off the account and reported the account was reinvestigation complete by furnisher XXXX XXXX which was not and is still in dispute with Arbitration and Federal courts. But they still refuse to correct the inaccurate information that they report for over two years in dispute and refuse to correct or fix the lies and incorrect, inaccurate, incomplete information on my consumer reports. This is a travesty of injustice and misleading and should never have gotten to this point as the CRA s will not look into any furnisher or subscriber of theres to fix or corrects this matter of inaccuracies. They need to be punished

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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
My family and I were 15 year customers of USAA with 2 checking accounts and 1 savings account serving all of our monthly banking activity. These joint accounts are what my family and I used to pay bills, deposit paychecks into, save for the short term, and use for daily purchases. I handle all of the finances in the household, but my wife is on as a joint account holder so that she has equal control as Im away from the home quite a bit in the XXXX XXXX. A few months ago, I logged onto USAA and was required to answer a few questions about the account usage in order to continue to the accounts. They were simple, seemingly unimportant questions so that USAA could understand our customers and how an account will be used. This information may include, but is not limited to, the source of funds used to open the account, purpose of the account, anticipated account activity, country of citizenship and occupation ( Information obtained from the account closure notice ). 

On XX/XX/XXXX, I signed into my accounts and saw that 2 of my 3 accounts were missing, and one was put into a credit only status. I called USAA and they informed me that the accounts were closed because of missing information pertaining to my wifes profile, but the customer service agent was just as XXXX  as to why they would close the account and wasnt able to provide any more information to me. I had my wife call and they went over the same questions that I faced earlier, How often do you use the account?, How many checks do you write, etc.. Questions that I answered months ago, but it was too late, the accounts were already closed and nobody could help in reinstating them. 

Were now left waiting XXXX days for my checks to arrive so that we have money to open a new account and so that I have a place to deposit checks from my employer. In the meantime, we cant pay our mortgage, monthly bills, or use cash in any way. We now have to explain to creditors that we have no bank for the near-term, and are required to reach out to those with checks that weve recently wrote to please not cash them. Were XXXX. 

No attempts were made to contact my wife using our communication preference methods on the account of text and phone call. Shes mostly hands off from the accounts other than the daily use of the debit card and the writing of checks. 

How is this moral? If this information is so important why werent there phone calls made to my wife? Why were the accounts not merely frozen until that information was provided? Very little effort was made on the part of USAA to maintain us as customers. The impact this has had on our lives is not insignificant and is enough to tarnish a 15 year relationship and drive us to another institution for our banking needs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: FL

Complaint narrative:
This account according to the creditor was opened on XX/XX/year>. I do not know this account and never opened an account with XXXX XXXX XXXX XXXX XXXX. This account does not belong to me and this 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 2024-04-29 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: NC

Complaint narrative:
TransUnion is reporting in accurate information on my consumer report. I submitted a request to have this deleted From my consumer report. They then sent notice back stating the account information has been verified, I requested them to provide me with the information regarding this and they Never submitted it to me. Reporting inaccurate information on my credit report is defamation of character and a violation of 15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. request a thorough investigation into these inaccuracies 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate late payments, charge off accounts do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the information associated with my credit report. remove the inaccurate accounts. and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your time

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently examined my credit report and identified some unauthorized inquiries still reporting in Equifax and XXXX : Equifax : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 

XXXX XXXX. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
U.S.C. 1681 section 602 A. States I have the right to privacy.

U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

U.S.C. 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This company has wasted over an hour of my time on the phone with no resolution. As a matter of fact, every time I have called Apple card services with very simple basic inquiries I am always on the phone for 1 to 3 hours. I called on XX/XX/year> and was on the phone with a representative named XXXX, who claimed that she was " not a mathematician '' so she was not able to help me in reviewing very basic information about my statement balance, even after I provided the information to her and went through it with her line by line. This included the amount of a purchase financed by Apple card, all of the payments that I've made towards the balance ( in installments ), and the daily cash value reward that I was supposed to have been given. With all things taken into consideration, my balance was appearing to be more than double what I owed, and was not mathematically adding up evenly, in accordance with the installment plan. It was very clear that something was not right, and the representative was not able to help me, nor did she try ; moreover, most of the time that I was on the phone with her, she had me on hold for almost that entire hour, without warning and without checking on me. There were also screaming children and people that were clearly not XXXX employees in the background of that phone call, thereby confirming that Goldman Sachs Apple card does not take the necessary privacy precautions with their work-from-home employees, who should be working in private spaces when handling sensitive financial information. Without my permission and without warning, XXXX transferred me to the fraud department, when I asked to speak with management. I spoke with the fraud department, who claimed that they are the next level of escalation when asking to speak with a supervisor and customer service. I explained my questions and unresolved concerns, and I was told that a manager would be calling me within XXXX XXXX XXXX  hours, including weekends, since they are open XXXX XXXXt is now XXXX  XX/XX/XXXX and I have not heard from anybody at apple. I did get an email this morning saying that " my issue is resolved '', when it is in fact not resolved. I have not had an opportunity to speak with anybody about my balance or to clarify it's accuracy or whether or not my rewards have been applied since they do not appear to have been. I would like to speak with a senior management team member at Apple card Goldman Sachs -- -- by phone -- -to discuss my questions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: CT

Complaint narrative:
I recently reviewed again my XXXX, TransUnion and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-29 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: CT

Complaint narrative:
I recently reviewed again my XXXX, XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I got on App with the promotion 2 days earlier to paycheck from my job. I downloaded it call moneyLeon. 
First direct deposit went through. But XX/XX/XXXX rent bill was going to pay. I did transfer from the app to my bank account. On error was made from me went trough an option Investment. Right away I contact them each day since XX/XX/XXXX until XX/XX/XXXX after each morning sending emails same poor answer from them I had fees I did pay on my rent. And unfortunately this company used my own money invested and lost some amount in the market. I got less from an error and plus they add me u a loan that called security credit repair. Something I never got informed well and now there is a loan of XXXX plus late fee and late due payments that I never signed with my Consent and is open and active and is ruining more my por credit after a divorce process

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Made a principal payment on my BMO HELOC  on XX/XX/year>, from my BMO checking account. The money was withdrawn, but never credited to the HELOC / mortgage. Talked on the phone with the digital banking group twice and one online chat and the mortgage servicing group twice. This was on XX/XX/XXXX and XX/XX/XXXX. The first four times both teams said they could not help me and I need to talk with the other group ( banking or mortgage servicing ). After insisting that I need to talk with someone who could resolve or research, the mortgage company agreed to do so. The issue is still unresolved.

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 2024-04-29 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-29 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: TX

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-29 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: EdFinancial Services
State: KY

Complaint narrative:
I submitted a complaint about how edfinancial has continued to not correct payment errors they created on how they were taking out my loan payments which I previously filed a complaint on XX/XX/23. They still have not corrected this issue. 

Since then I have asked that they provide me my new monthly payment amount as I have a standard payment plan chosen for my type of loan repayment. 

Every month they are taking out a different amount for my payments which is very detrimental to my finances. I am supposed to have a total payment around {$530.00} but have not confirmed since they can not provide me a number as they have not fixed my previous issue. This past month they took out {$760.00} without letting me know why the issues of payment amounts changing keep happening. 

No one that I speak with on the phone when I call can assist me as only managers are able to handle my case now since I have called 12 times in the past XXXX years without my issue having been resolved yet. Every time I call I have to wait days until a manager can call me back. 

I do not know what to do since they can not provide me a number amount for my monthly payment and continue to change how much they withdraw from my account each month without notifying me which is required by law they do this. 

Please help me to get this company take ownership to correct this issue as its causing me and my family great financial harm.

Company response to consumer: Closed with explanation