vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On a date in XXXX ( unknown because my online access was closed ) a XXXX personal loan was taken out on my account with out my permission or knowledge. Wells Fargo is threatening to " end the relationship '' by closing my account and sticking me with the amount. I have been unable to successfully avert the impending tragedy that is scheduled for XX/XX/2024 - the " Ending of the Relationship. '' I was told that there is a LESS THAN XXXX  % chance of having that decision overturned. Oh, and by the way, there is a third complaint that I am filing for a XXXX personal loan also taken out on the account. And don't forget about the XXXX unauthorized transfer from my XXXX  XXXX XXXX ( XXXX XXXX XXXX ) account to my Wells Fargo Account. And while we are at it, {$1200.00} of my checking is missing as well. But that will be in complaint # XXXX. So, all totaled up, I am looking at about XXXX - XXXX that Wells Fargo is going to dump off on me and say " see ya! and good luck with collections. '' I am a wits end, furious and frustrated.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Your bureau 's failure to comply with the Fair Credit Reporting Act ( FCRA ) has been noted. I demand immediate correction of inaccuracies in my credit report to adhere to federal law. 

Failure to rectify these violations promptly will result in legal action. I expect immediate compliance with FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : TRANSWORLD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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.

Complaint narrative:
I bought a used car a year ago from a dealership, returned the car within a week due to it being a write off and false information, XXXX  XXXX XXXX was the company who loaned the money, I contacted XXXX  XXXX to let them know I dont have the vehicle and its returned. They assured me it would be off my credit report once the dealership sends a check back to them, its been a year and Ive contacted them a dozen times, between emails and phone calls, I tried to contact them the last few weeks and they have now blocked my email address from sending emails. They are on my credit report and I can not secure a mortgage and its affecting my credit score.

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 2024-04-05 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.

Complaint narrative:
I bought a used car a year ago from a dealership, returned the car within a week due to it being a write off and false information, XXXX  XXXX XXXX was the company who loaned the money, I contacted XXXX  XXXX to let them know I dont have the vehicle and its returned. They assured me it would be off my credit report once the dealership sends a check back to them, its been a year and Ive contacted them a dozen times, between emails and phone calls, I tried to contact them the last few weeks and they have now blocked my email address from sending emails. They are on my credit report and I can not secure a mortgage and its affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: NY

Complaint narrative:
I did not start these inquiries, and I have no affiliation with these creditors. Please take them off of my credit report right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I had to ultimately change my number because the phone calls were getting extremely out of hand. Every single day I would receive multiple phone calls from different phone numbers regarding the same accounts. I began turning on my " Do Not Disturb '' on my phone every day because the calls were getting out of control. Eventually, I decided to change my phone number for some peace. Most of the voicemails were automated, but a lot of them were employees ( hardly ever the same one ) saying that legal action could and would be taken if I didn't get the situations resolved. The calls would come from all over the country. I will list some of the phone numbers and dates of call below. 

XX/XX/scrub>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 once The calls and voicemails repeated like that daily prior to the XXXX XXXX XXXX  when I changed my phone number officially. In the mix of calls were blocked, or " unknown, '' numbers that would leave voicemails with no call back number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent reporting of an account on my XXXX, XXXX, and Equifax credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent reporting of an account on my XXXX, Experian, and XXXX credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants Acceptance Corp
State: TX

Complaint narrative:
Sale contract from Merchant Acceptance has continued to report monthly a balance that continues to increase on a closed account. Ive never made any payments to them but it reports that I have. Their court case was dismissed for illegally selling the contract and yet XXXX and XXXX continues to report. Ive disputed several times and they mentioned it was verified but I have not document showing how or through who the information was verified. The original contract was 3years for a total {$1600.00}. As of today there is a balance reported of {$2200.00}??? Merchant Acceptance has refused to tell me where the accumulation is coming from. I will provide all the paperwork I have to help I just dont know what to do as Im getting the run around about how to fix this. I did some research and found that it appears to be illegal soliciting where they knocked on my door to sell a vacuum initially I accepted but declined the next day. I still have the brand new vacuum as I told the courts and Merchants has not come to retrieve it the same way the brought it to me. Any real help would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Late Payments Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX XXXX XXXX XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX XXXX XXXX XXXX Account is Closed please remove off from my credit report unauthorize inquiry XXXX XXXX XXXX XXXX XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX XXXX XXXX XXXX  Account is Closed please remove off from my credit report unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry please remove off of my credit report XXXX XXXX XXXX XXXX XXXX  Charged off account unauthorized inquiry please remove off my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized inquiry please remove off credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
My Apple Credit card is issued by Goldman Sachs. I have had XXXX instances where I make a payment and it takes several days for the payment to be credited. 

# 1 On XX/XX/XXXX I made a payment from my bank account for {$300.00}. Goldman Sachs did not apply the credit until XX/XX/XXXX. 

# 2 On XX/XX/XXXX I made XXXX payments totaling {$550.00}. XXXX payment was for {$12.00} from my Apple pay account and the other was from my bank account for {$530.00}. Neither payment has been credited to my account as of today, XX/XX/XXXX. I escalated the issue to an Apple Card Supervisor named XXXX today and she said " If you would like to avoid these payment hold concerns for future circumstances, I normally advise making payments with Apple Cash, as they are not subject to a payment hold. " I told her that the apple cash payment for {$12.00} still has not been credited and she said " The Apple Cash Payments were released however, since the bank payment is more and is on hold, it overrides it. '' I am filing this complaint because in XXXX there is no reason for a credit card/banking institution to not apply a payment from a bank or verified cash source within 1-2 business days. Goldman Sachs and Apple are intentionally harming me and not allowing me to use the money that has been applied to my account. I want this practice to stop and I want to be compensated {$2500.00} for the time I have spent trying to get this resolved and for not being able to use my own money for several days. Apple should not have a policy of applying payments using their system faster than other banking institutions since the payments can be verified within 1-2 business days. In my case, Apple is not even following its own policy because the payment made via Apple Cash has not been applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I requested paper statements. I have not received any since XX/XX/XXXX. My balance owed was approx {$5000.00}. This month XXXX I now owe approx {$6500.00} due to an interest charge of over {$1400.00}! 
I asked for a payoff statement with the correct payoff amount as of XXXX & my paper statements dated XX/XX/XXXX & XX/XX/XXXX. The online chat only allows computers generated generalized responses. 
Thank you

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I am writing to dispute the existence of a credit card account with your company that has been erroneously linked to my name and information. Despite repeated attempts to resolve this issue over the past two years, the account continues to appear on my credit report, causing undue distress and frustration.

I have never applied for or authorized the opening of a credit card account with Chase credit Card Company. The appearance of this account on my credit report is not only inaccurate but also damaging to my creditworthiness and financial reputation.

I have taken all necessary steps to address this matter, including filing reports with the Federal Trade Commission ( FTC ) to document the fraudulent nature of this account. Despite these efforts, the account persists on my credit report, leading me to believe that there may be an ongoing error or oversight in your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Regarding, the XXXX XXXX XXXX, as l delved into the terms and conditions, I discovered the Consumer Credit Line issued to the principal on the date I received the receivable, only to find it trailing behind personal expenditures and family necessities. 

Swiftly, I moved to strengthen my financial position by requesting an increase in the Consumer Credit Line, acting in good faith even before activating and opening my actual CHASE account on the app to track purchases and deposits, let alone conducting any transactions. 

However, I decline these blunt denials ( including reconsiderations ) cloaked in ambiguous reasoning, resulting in an event of default. I stand before you today, to rectify this dishonor, for I am armed with the truth and I know I was misled. 

In the realm of financial equity, where opportunities should abound for all, I invoke the Equal Credit Opportunity Act and The Equal Opportunity for all Investors Act to demand fair treatment and resolution, ensuring equality for all investors and consumers. 

Peace be with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX, alerting me that I have property to claim in the amount of {$4100.00} under TR04 Escrow Accounts. The servicer that has the property is : Dovenmuehle Mortgage , Inc . 
Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Dovenmuehle on XX/XX/XXXX to claim my property and they assured me the check will reach me within 60-days time. I called again today on XX/XX/XXXX and they still don't have a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-05 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:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been paid in full but you still have a report saying i owe {$1300.00} which is not true account current balance at {$00.00} contact XXXX XXXXXXXX XXXX and verify this information. account payment reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been paid in full but you still have a report saying i owe {$2700.00} which is not true account current balance at {$00.00} contact bank and get accurate information Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been paid in full but you still have a report saying i owe {$100.00} which is not true account current balance at {$00.00} contact bank and get accurate 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