vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: Aqua Finance, Inc.
State: SC

Complaint narrative:
I've been going back and forth with this institution for the past six months about this debt and the unauthorized use of my personal information. This company funded a fraudulent contractor who never performed worked but charged me over {$25000.00} of no service and I ask this company by the way of an Affidavit to produce documentation that their contractor performed it obligations under the signed revolving credit agreement for this home improvement. I also asked that they honor their contract where it states that if customer is dissatisfied with their product or service and tried in good faith to correct it they don't have to pay the remaining debt. See Exhibit A Also on page 4 of Seller 's contract labeled CERTIFICATE OF COMPLETION states -- -NOTICE TO OWNER Do not sign this completion certificate or any agreement stating the you are satisfied with the entire project before this project is complete. Home repair contractors are prohibited by law from requesting or accepting a certificate of completion signed by the owner prior to the actual completion of the work to be performed under the home repair contract. This entire transaction is null and void because I was manipulated by Aqua Finance to signed this agreement before the work was perform which is a clear violation of the law. For those reasons everything pertaining to this transaction should be removed from all credit reporting agencies. See Exhibit B pg 4 I sent an Affidavit of Truth asking Aqua Finance to rebut my claims by the way of an Affidavit and I have yet to receive any rebuttal denying my claim. For those reasons CFPB is required to have this account removed from all credit reports. See Exhibit C

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my extreme frustration and disappointment regarding the recent findings of my credit report investigation. Upon conducting a thorough review, I discovered a myriad of unverifiable, invalidated, inaccurate, and questionable items that have had a profoundly negative impact on my financial well-being and mental health. 

It is imperative that I bring to your attention the egregious violations of the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported with 100 % accuracy. Regrettably, your agency has failed to uphold this fundamental requirement, as evidenced by the discrepancies identified in my report. 

Furthermore, it is crucial to note the specific violations outlined under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly indicate that these accounts are in direct contravention of the statutory obligation to report accurate information. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Enclosed, please find copies of all previous correspondence sent to your agency regarding this matter for your review. 

Failure to address these issues promptly will result in further action being taken to ensure compliance with the law and the protection of my rights as a consumer. 

I expect a swift and satisfactory resolution to this matter.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my extreme frustration and disappointment regarding the recent findings of my credit report investigation. Upon conducting a thorough review, I discovered a myriad of unverifiable, invalidated, inaccurate, and questionable items that have had a profoundly negative impact on my financial well-being and mental health. 

It is imperative that I bring to your attention the egregious violations of the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported with 100 % accuracy. Regrettably, your agency has failed to uphold this fundamental requirement, as evidenced by the discrepancies identified in my report. 

Furthermore, it is crucial to note the specific violations outlined under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly indicate that these accounts are in direct contravention of the statutory obligation to report accurate information. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Enclosed, please find copies of all previous correspondence sent to your agency regarding this matter for your review. 

Failure to address these issues promptly will result in further action being taken to ensure compliance with the law and the protection of my rights as a consumer. 

I expect a swift and satisfactory resolution to this matter.

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 2024-02-08 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: PA

Complaint narrative:
This account is reporting inaccurate and incomplete information XX/XX/2023 no data XX/XX/2023 no data XX/XX/2023 no data XXXX it's reporting charge off this is inaccurate Update to paid in full and never late Also this account was sold to XXXX company and paid on XX/XX/2023 Update or delete immediately

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 2024-02-08 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: PA

Complaint narrative:
This account is reporting inaccurate and incomplete information XX/XX/year> no data XX/XX/year> no data XX/XX/year> no data XXXX it's reporting charge off this is inaccurate Update to paid in full and never late Also this account was sold to XXXX company and paid on XX/XX/year> Update or delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WV

Complaint narrative:
Hello, I'm sorry but I'm so frustrated and upset at this point and I've tried calling and no one answers I just sit on hold for hours. 

During the pandemic when everyone was deferred from paying on their student loans I called into Mohela, and was able to talk with a representative. The reason for my call was trying to understand their qualifying payments for my student loan forgiveness program. According to my plan, if I made XXXX qualifying payments my loan should be forgiven according to them. My question was could I make more payments than just XXXX within a XXXX  and would those still be considered qualifying payments. I was told that it didn't matter just as long as I made payment they would be counted. I found this too good to be true so, I called another day to confirm this and I spoke to another rep and they provided me with the same information. Mind you I had to wait on hold for at least XXXX hours just to speak to someone if not longer. They said it didn't matter as long as we could verify my employment as a non-profit and I made the XXXX qualifying payments they would be counted. 

During the timeframe of XX/XX/23 - XX/XX/23 - I made several payments XXXX XXXX XXXX and when I say several I mean I made a single payment for the qualifying amount almost every day during some months  to get myself up to the qualifying payments. I already had several payments but I wanted to pay off my student loans and be done with them forever. 

Long story, short when everything started to come back from the pandemic and repayments were no longer going to be deferred I was contacted via email to be informed that they were only going to count my payments per month. So, they now are saying via email that XXXX payment in the qualifying amount per month, which meant all the extra payments I made during the months, well those didn't count or matter. They would only accept XXXX payment per month. 

I wouldn't have an issue with this if I was told upfront that's how it works but I was told by XXXX Mohela representative this wasn't the cause. I've tried to call in countless times to get this straightened out but no one answers. I can only email them and when I do they are not understanding or just send me copy and paste messages. No one is taking the time to actually read or go over my message or even look into my issue. 

I'm sick because I've spent XXXX XXXX XXXX dollars that will not get counted, because they are only accepting XXXX payment per month. I can download a record of all the payments I've made to them as proof. During XXXX XXXX XXXX  I've paid over, XXXX payments totaling {$3700.00} + I'm happy to provide any documentation that's needed. Bank statements, anything. 

https : //www.mohela.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
social security check of {$1100.00} direct deposit is being held to cover a returned deposit made on XX/XX/XXXX after I requested the hold stay on the check until cleared by the bank.I withdrew {$5000.00} on XX/XX/XXXX by a teller named XXXX after he saw in computer bank cleared the {$8200.00} check.Account ending in XXXX. Bank involved is chase Bank XXXX XXXX XXXX XXXX Ca XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I was awarded my families home in my divorce, that was finalized in XXXX in lieu of that i became sole owner of the property and everything else with it as of XX/XX/XXXX. At that point in XXXX I gathered all information my ex husband was required to give me about the mortgage. I began making calls and learned he hadn't made any payments since XX/XX/XXXX and that the ONLY option I had was to apply for a loan modification to prove financial hardship had happened. I submitted my full application in XXXX because I was waiting for proof of the quit claim deed. I communicated multiple times a day and week with various workers at selene finance. They are all recorded conversations that can be corroborated with what I'm saying. After telling us every week that we were all set and we would get answer in that week sometimes. We reached out to the law firm to see if anything additional actions could be done we were assured that we had plenty of time before the sale date. The week the house was sold we were told too bad and that nothing could be done. We went to the county clerks office to see if there was anything more we could do. Then we were asked why we waited so long because I was " served '' back in XX/XX/XXXX. Come to find out the process server met with my ex-husbands mother who impersonated me so therefore all of my mail was going to his address. Anything pertaining to the house or me was going to his address at his moms. An address i never ever lived at, ,even though the mortgage company had my correct address. But some how he was the only one receiving information. Then we were given papers that say I stated I lived with my ex husband. Meanwhile we were going through divorce proceedings that entire year. He lied underoath stating he never received any information whatsoever about the house when he was that entire year. I have documents to prove due diligence was never conducted, failure to serve took place, we attempted to call the refree we never knew existed, we never received any call backs about us finding out my identity was falsely used and my house was sold still. We need help figuring out how to get justice and or how to legally reobtain my home and now I'm receiving bills from that home. Deficiency amounts and a mortgage bill from slelene finance. We tried gaining legal aid but im told its a conflict of interest and that he more than likely was using similar services or had inquired about it. He also is a deputy sheriff so we don't know if that has any significance either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
requested my credit report through XXXX XXXX XXXX XXXX to no avail. i was told to call or request by mail. I chose to call i gave my information and was told i should expect the credit report within 15 days. my credit report never came and now when i try to request my online report I'm told sorry unable to proceed with request.

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 2024-02-09 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: CA

Complaint narrative:
Experian is illegally reporting various negative accounts to my consumer credit report. The following negative accounts are as follows. 

XXXX XXXX XXXX XXXX account is posted reflecting late payments and is listed as closed account for the amount of {$2200.00} since XXXX XXXX XXXX XXXX XXXX account is being reported as a charge off for the amount of {$1300.00} since XX/XX/XXXX XXXX XXXX account is reported with late payments and as a charge off for the amount of {$330.00} since XX/XX/XXXX XXXX XXXX XXXX account is being reported as a charge-off for the amount of {$78.00} since XX/XX/XXXX XXXX XXXX - XXXX is being reported as closed for the amount of {$3000.00} since XX/XX/XXXX XXXX XXXX XXXX account is being reported as a charge-off for the amount of {$81.00} since XX/XX/XXXX XXXX XXXX is being reported with late payments and as a charge-off for the amount of {$11000.00} since XX/XX/XXXX XXXX  is being reported as closed and as a Collection account for the amount of {$560.00} since XX/XX/XXXX All of the aforementioned accounts are derogatory on my credit report and illegally posted according to 15 USC 1681a and 15 USC 1692, as I did not consent to any of the accounts being posted, nor do I have any knowledge of the balances or origins of the accounts.

Several of these accounts are associated with incorrect information that is listed on my credit report as being my personal information.

As a result of these negative accounts on my credit report I have repeatedly experienced adverse action and been unable to access extensions of my 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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating 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 2024-02-09 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:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
I recent reviewed a copy of my credit report and notice I had fraudulent accounts on credit report please remove these accounts from my report they are hurting my ability to obtain. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

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 2024-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-02-09 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I sent in a letter through the mail on XX/XX/24 for this company to update my information accordingly with the credit reporting agencies and never received a response on the matter so I am now requesting all responses be sent through this CFPB portal to keep record of all communication with this company.

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 2024-02-09 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: IL

Complaint narrative:
Hey, so there's this thing called FCRA 605B, and it says if your credit stuff is wrong, it needs fixing. I'm not really sure what's happening, but can you check these papers? They're saying stuff on my credit report that's not right. It's making me feel super upset and kinda sick, so can you help make it all better?

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 2024-02-09 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 urgently appeal to you to swiftly eliminate the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please rectify this error promptly.

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 2024-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Amsher colllectioms services, placed XXXX XXXX  collection onto my credit reports state I owed a debt to XXXX XXXX  I have no knowledge of the debt. I requested a debt validation never received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation