vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: Nelnet, Inc.
State: CA

Complaint narrative:
Called on XX/XX/XXXX asking why my payments since early XXXX have been getting deferred. I checked my banking info on the account and everything is correct and theres enough money in the account but even after receiving confirmations from Nelnet, they dont credit my payments. 

I have also been accruing over {$400.00} in interest during this time because their system wont take my payments. XXXX on the phone told me that this has happened to other clients as well and that there was no resolution for this issue but I could try autopay from my bank ; which I have already done. I will also not be refunded any of the {$400.00} and it will continue to grow unless I somehow fix this issue that I dont believe is something fixable on my end. 

I have emails showing my history of receiving confirmations of my payments even though they do not show on my nelnet account of actually processing. I have tried to submit well over {$6000.00} since XXXX of XXXX. 

I have always been someone who makes payments on time and was never late when I used XXXX. Unfortunately they are closed and they automatically switched me to Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact, a victim of the data breach at Equifax has done nothing. Please help me delete these illegal accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NY

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2023-12-29 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: NY

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-29 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: MOHELA
State: PA

Complaint narrative:
XXXX called and got a lower monthly payment. The payment was supposed to be {$290.00}. 

XXXX made first payment of {$290.00} XXXX mohela servicer took {$760.00} of bank account without warning XX/XX/23 called and asked why this amount came out without my knowledge or permission. The XXXX XXXX hung up on us because she didnt want to deal with us. The XXXX XXXX helped us and told us to resubmit for the lower payment then disbute the charge with the bank because they couldnt refund the {$760.00}. The bank froze all my bank accounts and now I cant access anything because mohela took money out they were not permitted too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/23 i purchased XXXX American express gift cards at a XXXX  store, XXXX XXXX XXXX, XXXX md XXXX # XXXX a total of XXXX, cards are uable to use at stores and online, contacted the # for AmericanExpress/giftcards, they keep saying security issues, try another merchant, its terrible that these cards are at stores and cant be used in anyways scaming people out of their hard earned money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I currently have XXXX open car contract with Santander Consumer USA : Acct # XXXX I contacted Santander Consumer USA between XX/XX/XXXX and XX/XX/XXXX of 2023, to notify them I am Revoking All Security interest in my XXXX car contracts they currently have. I also revoked all interest for additional contract agreements pertaining to the XXXX car contracts, such as, Insurance, and maintenance etc. I sent XXXX signed and stamped Certificates of Indebtedness to XXXX XXXX XXXX ; Legal Counsel for Santander Consumer, at their office in Texas and XXXX copies of the certificates of indebtedness to XXXX XXXX XXXX, who I believed to be the Indentured Trustee for Santander Consumer USA. Neither have answered me to date. I also sent an additional correspondence to XXXX XXXX XXXX recently and maybe he will answer my real concerns. I have proof of delivered service for each gentlemen. My intention was to submit an option for payment of the current car contract, discharge the debt and to notify Santander Consumer of their dishonest, false and misleading terms contained in the contractual agreement. I submitted a payment option and the option was not accepted, so the debt is discharged. I received a response from a customer service representative, no specific person for me to address, who stated all request from me were denied. The customer service representative also told me I had a " No Cooling Off Period '' clause in my contract, however, according to the Federal Trade Commissions Trade Regulation Rule 16 C.F.R. 433.2 commonly known as the Holder Rule 1 does not limit a consumers right to an affirmative recovery to circumstances where the consumer can legally rescind the transaction or where the goods or services sold to the consumer are worthless.

For this customer service Rep to tell me I can not Rescind my irrational decision to allow Santander Consumer USA to have security interest in my car contract and collect all the proceeds derived from my contract is against the law. Santander Can not come and Repossess my car as they presented me with a XXXX way contract, where they give the consumer who can not afford to buy a car with out financing no other option. Because, if the consumer does not give them security interest in the certificate of indebtedness, then the consumer has no car. The car is not the " Security Interest '' my certificate of indebtedness, is the " security interest ''.

Santander Consumer is guilty of disclosing my private and transactional information to third party creditors and violating my consumer rights among several other violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: MI

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against MrCooper regarding the failure to compensate for the property tax late penalty on my mortgage loan. I believe that my situation merits investigation and intervention by your esteemed organization. 

I have been a loyal customer of MrCooper for XXXX years, and I have consistently made timely payments on my mortgage. However, I encountered an issue related to the payment of property taxes for fiscal year XXXXIssue : In XX/XX/XXXX, I experienced a delay in the payment of my property taxes due to MrCooper 's failure to make on-time property tax payment from my escrow account. As a result, I incurred a late penalty on my property taxes for the amount of {$370.00} and {$64.00}, which MrCooper was responsible for covering since it was managed by MrCooper at that time.

Attempts to Prevent late fee : I contacted MrCooper on XX/XX/XXXX and informed them about the upcoming property tax due date to avoid a late fee, despite my effort, the tax was paid late in XX/XX/XXXX with the penalty. 

Attempts to Resolve : I contacted MrCooper on XX/XX/XXXX to bring the matter to their attention and seek resolution. to bring the matter to their attention and seek resolution. Despite my efforts, I have encountered significant challenges in obtaining compensation for the tax late penalty. The customer service representatives have been unresponsive and failed to provide a satisfactory resolution to my concern for over XXXX  months. 

I believe that MrCooper has violated the terms of our mortgage agreement by not compensating for the tax late penalty, causing undue financial burden and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: CA

Complaint narrative:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Experian and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution.

Sincerely,

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX ( Paragon Revenue Group ) is reporting inaccurate information onto my credit report and it is affecting my credit score in a negative way. The information being reported is a balance that I dont owe and I do have legal representation. I want this issue removed from my credit report immediately. The creditors phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was recruited for a job at XXXX in XXXX XXXX and they required a background check that included a credit check from TransUnion. TransUnion suppressed my report, and for the past month, I have been going back and forth with them trying to solve it. XXXX has rescinded my job offer due to the delays, which they have told me multiple times was fixed and that I shouldnt be having issues ( this was recorded on my end ). They were made aware of this in late XXXX, but they didnt tell me how to fix it until XX/XX/XXXX, when I was told that everything I had been told was incorrect and that I needed to send a written request. Because of this massive delay, my offer at XXXX was rescinded, and they have yet to fix the issue. I have calls recorded with them telling me different stories about my suppression, but theyre too large to upload.

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 2023-12-29 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX  file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution.

Sincerely,

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 2023-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX  file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 15 U.S.C. 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. I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. Enclosures : Copies of my dispute letters Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. Sincerely,

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 2023-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On Thursday, XXXX XXXX, XXXX, I received an e-mail notification from XXXX XXXX, that XXXX of my accounts was Closed. I did NOT close the account. It was for My Synchrony Bank Car Care Account. According to XXXX, I have had the account for 18 years, 3 months. NO LATE / MISSED payments in 3 year history. Under Credit Limit. When I contacted Synchrony, an Account Manager, XXXX, told me that they closed the account, because of information received from XXXX, and that it had NOTHING to do with my payment history. XXXX REFUSED to reopen the account, even though it was in GOOD STANDING, and that I MUST make payments on the account, even though I can not use it. 

Furthermore, I have been the VICTIM of Bank Fraud. The Employee paycard I was issued, by INSTANT was drained, except for XXXX cents, on XXXX XXXX, WITHOUT receiving ANY MONEY. The appropriate Dispute Forms were filed on XXXX XXXX, XXXX. I am making pay ment arrangements to get EVERYTHING CURRENT.

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