vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
on XX/XX/XXXX, Bank of America placed a hold on my account for the amount of my total available balance at the time, {$2000.00}, putting my account to {$0.00} balance. 

I've called several times to the bank and I've been tranferred to several different departments, and nobody in the bank seems to be able to tell me why did I get this debit on my account. They said that it shows on the system as a scam hold, however, nobody can tell me which incoming transfer into my account has originated this claim/debit. 

It is incomprehensible how my bank just debits my account without informing about anything or asking me about the transaction that is causing the problem. 

It means that you can receive a payment today and some weeks or months later the money can just be debited from your account without any explanation nor investigation? 
It means that today I pay you for a service that you deliver and in X weeks I call my bank and ask to reverse the transaction, and you will just get debited from your account .... just like that? 

Banks are making it too easy for scammers and fraudsters.

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 2024-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: MA

Complaint narrative:
I am writing to bring to your immediate attention to the dire situation my family and I are facing due to the ongoing issues with our mortgage serviced by Selene Finance. Despite seeking legal representation and exhausting all possible avenues for resolution, we have yet to see any progress in addressing the numerous grievances we have with Selene Finance 's handling of our mortgage. 

The profound poor accounting practices, unilateral adjustments of interest rates without prior notification, and unexplained increases in our mortgage payments have created insurmountable financial and emotional hardships for us. Our attempts to seek redress through legal channels have been met with roadblocks and delays, leaving us feeling helpless and vulnerable. 

Our research into Selene Finance 's track record has revealed a disturbing pattern of similar complaints from countless other homeowners, as well as numerous class action lawsuits and legal proceedings. It is evident that we are not alone in our struggle against the predatory practices of Selene Finance. 

Given the gravity of the situation and the widespread nature of these issues, I implore the Consumer Finance Department to take immediate and decisive action to hold Selene Finance accountable for its actions. The wellbeing of countless families like mine hangs in the balance, and swift intervention is necessary to prevent further harm. 

I urge you to launch a thorough investigation into Selene Finance 's practices and ensure that appropriate measures are taken to address the grievances of affected homeowners. It is imperative that justice is served and that those responsible for perpetuating these injustices are held accountable. 

I appreciate your urgent attention to this matter and look forward to a prompt and satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: VA

Complaint narrative:
I am driving XXXX for XXXX now, and I would say once per year they do background check with Checkr company. On XX/XX/XXXX they did my annual background check and status of my background check says XXXX because it says XXXX XXXX  - not provided. 
On XX/XX/XXXX i replaced my XXXX licence with XXXX where i live now. Once i did that back in XXXX i did upload my licence to XXXX XXXX, and I was approved without issue. Now, because Checkr reported to XXXX that driving licence is not provided I cant drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: OH

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

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 2024-05-06 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: CT

Complaint narrative:
I recently reviewed again my Equifax 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. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: MO

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My card was used fraudulently and subsequently my bank account was closed. I called Chase and let them know and also followed up with supporting documentations as my card was used in another state. Chase has XXXX XXXX XXXX XXXX  and is holding this debt over me and asking that I pay them when I am not responsible for this balance. I have been trying to work with Chase for years in regards to the to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted TransUnion on XXXX regarding an erroneous account and creditors reporting fraudulent unauthorized inquiries ( XXXX XXXX ) and ( XXXX  ) on my consumer report after a XXXX min long conversation I was told a dispute was filed to get this inquiry removed as a result to violation of the congress Law 15USC 1681a ) 1 & 2 DUTY OF DATA FURNISHER and that would be the resolution. Well on XXXX I call TransUnion again to request the status of the dispute to check and see have any progress been made and upon checking I spoke with a representative who said no dispute was filed to remove the Hard Inquiries from Consumer report and no initiative will be taking even after I have expressed my concern and the severity of the magnitude. I told them they have violated FCRA Section 623 with what they have allowed to be furnished knowingly after I told them it should not be on my consumer report there job as a Data Furnisher is to ensure 100 % accuracy on my consumer report and I have not been provided that not only have they violated my consumer rights, but they also violated FCRA Section 623 and 15USC 1681a ) 1 & 2 with what they have knowingly furnished even after I have made them aware that its unauthorized and fraudulent and should be held accountable and fined {$1000.00} plus compensation for violating my consumer 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 2024-05-06 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: CA

Complaint narrative:
I recently reviewed again my XXXX, Equifax 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. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
took out a car loan with American Credit Acceptance in XXXX. I have gotten my car repossessed a few times without notice. American Credit acceptance have not given me notices and statements about my account. They are overcharging me in fees and with the entire loan. I went into bankruptcy in XX/XX/XXXX and again in XX/XX/XXXX after my car was repossessed. I later had the bankruptcy dismissed and went back into a regular account, which at that point the car went into repossession again with a past due balance of around XXXX. I never received any statements nor documents from American credit acceptance. They claimed my account was written off and I never received a statement. I requested documents that they do not have because they claim since my balance is over XXXX days past due they dont have to send me anything. While I was in bankruptcy they never sent anything to my attorney. They canceled the XXXX and XXXX XXXX XXXX and claimed I received credit for that, and when I asked for that I still have not received it yet. They keep saying since my account is 60 days past due I cant get it. From XXXX until XXXX my car was not registered due to American Credit Acceptance registering the title in South Carolina leaving me getting ticket for non registration of vehicle, and driving while not registered. XXXXmerican Credit Acceptance sent Wisconsin the title and paid the title fee for me to re register the vehicle. American Credit acceptance told me to pay my monthly payment every XXXX weeks to bring the past due balance down, per policy. I asked them for a copy of that policy. I was told that its an internal policy and that it is not in writing. I expressed that I feel singled out and that I feel that they are picking and choosing who they are putting this type of policy in and it is not fair, and that I will be contacting equal right division. I started paying the XXXX every XXXX weeks only to call on XX/XX/XXXX when I was about to make a payment and noticed that my balance is still over XXXX. I called and was told that my payments is going to interest, but that is not what I was told. I was told that the XXXX every XXXX weeks would go towards the past due balance not the overall balance. I asked when will I go to monthly payments and they said and they said that I will never gi back I will pay every XXXX weeks until the car is paid off. This is a violation of contract and they lied to me. They do not have documentation that they have been keeping in tune with my account and is treating me different. There is something they are hiding with my account. They are also overcharging me. I need someone to look into this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
See all letters I have attached

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
The incident started at Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> when it came to my attention that a fraudster took over my account and were depositing fraudulent checks in my account from XXXX Wells Fargo did not make me aware of those deposits I discovered it on my own. Somehow a fraudster retrieved my XXXX XXXX number and account information all of it mind you I was receiving one time codes to access my online banking and because I'm XXXX and never experienced this before I obliged, lesson learned. In end I went to the bank to try and resolve this issue because Wells Fargo was charging me for these checks, deposits, and yes withdrawals. Wells Fargo then told me we're sorry your account was taken over by a fraudster, however, due to me not knowingly giving access to my online account and apparently all the activity is my fault and am obligated to pay them almost {$900.00} they froze my account so we created a new account and they still didn't lift the freeze and closed my account. Now Wells Fargo is harassing me for the money in which of course I don't have. That was such a hard time because it was XXXX, rent was due {$1.00}, bills, groceries, and other living expenses were affected I couldn't even get my paychecks for XXXX XXXX XXXX because I had to stop direct deposit because they froze my account and would have taken it anyways and that took up to XXXX XXXX XXXX to catch up with a new institution. It is crazy how they think they can treat people anyway they want to. I literally struggled!!!!

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been disputing the same inaccurate accounts on Experian, XXXX, and XXXX for over a year now. I have also spoken with creditor companies about inaccurate accounts and asked that they be removed. The creditors are refusing to remove inaccurate accounts and continues to update accounts rather than remove them. Due to this injustice by creditors my financial opportunities have taken a severe downfall, its holding back my credit score and credit opportunities. My security information has been breached on Experian Creditors account several times and no action has been taken by Creditor.

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 2024-05-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have requested documents from the companies listed. They first sent verification papers but no original purchase agreement nor did I receive 1099 information for my taxes because the account was written off on taxes and they never sent the 1099 as requested.I want these accounts deleted as soon as possible for violations of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: AZ

Complaint narrative:
I have requested documents from the companies listed. They first sent verification papers but no original purchase agreement nor did I receive 1099 information for my taxes because the account was written off on taxes and they never sent the 1099 as requested.I want these accounts deleted as soon as possible for violations of the FCRA

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My wallet was stole on XX/XX/year>, I received a fraud alert text messages from JP Morgan Chase at XXXX PM said there was fraudulent transactions on my card. I denied these charges, and submitted a request for a new debit card. Chase reversed my charges for {$200.00} temporarily while doing an investigation, and has now reversed the charges because the are claiming the transactions are valid, despite they fact my card was stolen and they sent me messages regarding fraudulent activity on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XX/XX/year> Subject : Formal Complaint Against Experian Regarding Unresolved Credit Report Disputes To Whom It May Concern, I am writing to file a formal complaint against Experian regarding the unresolved issues on my credit report. For several months, I have attempted to address these issues by contacting Experian, but to no avail. Despite numerous attempts, I have been unable to speak with a live representative and have only encountered automated systems that do not provide a resolution to my concerns. 

My attempts to communicate with Experian have been met with frustration, as the automated system repeatedly indicates that I can not speak with a live person and instead suggests sending a link, email, or text. This lack of accessibility to a live representative is unacceptable, especially considering the importance of resolving discrepancies on my credit report. 

Due to Experian 's failure to provide adequate customer service and address my concerns, I request that all disputes on my credit report be removed effective immediately. It is unreasonable to expect me to resolve these issues without the ability to speak with a live representative. 

Furthermore, I would like to express my dissatisfaction with the disparity in customer service between Experian and other credit bureaus such as XXXX and XXXX, with whom I have been able to communicate effectively. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that my voice is heard. Additionally, I intend to file another complaint against Experian if this issue is not resolved promptly. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]

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