vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX reported a collection in my credit file on behalf or XXXX XXXX. 

XX/XX/XXXX The account was removed from my accredit reports for inaccurately reporting a paid account. 

On XX/XX/XXXX, I discovered XXXX XXXX re inserted the same INACCURATE collection account on behalf of XXXX XXXX in my credit file. To my understanding the credit bureaus are required to notify me within ( XXXX ) days of re-inserting a previously deleted item. I did not receive such notification. 

XX/XX/XXXX The account was removed once again from my credit reports for inaccurate reporting. 

XX/XX/XXXX XXXX XXXX XXXX re inserted the SAME INACCURATE collection account on behalf of XXXX XXXX for the XXXX time. Once again, I did NOT receive a notification of reinsertion. 

XX/XX/XXXX, I disputed this account with XXXX XXXX XXXX, they did NOT provide sufficient proof of validation. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA the credit buraus are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

The FOLLOWING derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, the infractions are as follows : INACCURATELY REPORTING BALANCE INACCURATLEY RRPORTING DATE OPENED INACCURATLEY REPORTING ACCOUNT NUMBER INACCURATEY REPORTING THE ACCOUT STATUS AS OPEN INACCURATLEY RE INSERTING A PERVIOUS DELETED INACCURATE COLLECTION ACCOUNT NOT SENDING A NOTICE OF RE INSERTION

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 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/2022, I accepted a XXXX XXXX Interest for 12 months Balance Transfer offer from Capital One. I paid for the privilege ( a XXXX XXXX  fee of {$120.00} ) for a {$6000.00} balance transfer. I have paid $ XXXX {$1000.00} extra on my bill each month in order to pay it off in the 12 months allotted. 

As I am eight months in, I sought to decipher exactly where I am on that payment. I have paid {$4500.00} beyond my monthly bill in this timeframe, meaning my remaining balance should be {$1500.00}. Therefore I find this line on my current statement quite disconcerting : " PROMO PURCHASE N GRACE : {$4200.00}. '' Where did THAT number come from? 

I logged in to my account online, and ( save for the forensic accounting of my statements ) can find absolutely nowhere any information about this Balance Transfer Promo and remaining balance thereof. 

So I called XXXX and spoke with a very nice customer service agent about this omission. We also discussed the fact that NOWHERE on my monthly statements shows anything about the diminution of said Balance Transfer balance. When asked whether I can make a payment targeted specifically at the remaining promo balance, the answer is NO. 

Personally, I am savvy enough that this Balance Transfer will be cleared well in advance of 12 months time, and any attempt by Capital One to apply the ( currently ) XXXX XXXX Cash Advance fee to my account will promptly land them in court. 

But why the obfuscation? Could it be that XXXX WANTS customers who take them up on the offer to forget all about that deal? And thereby incur that Cash Advance interest rate retroactive to the date of Balance Transfer? OF COURSE THEY DO! 

How is this not XXXX? How is this not Illegal? Banking XXXX, perhaps?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have written Equifax and XXXX and XXXX regarding errant accounts with many inaccuracies on my credit report many times asking them to investigate these accounts to make sure they are Verified and Accurate, each time they come back as Verified as Accurate, However I keep seeing many inaccuracies and mistakes which is not allowed by FRCA. I have also attached just some of the investigation results as there is too many. No matter how I try to resolve these inaccuracies these accounts still appear, which I have now learned is a direct violation of my rights. 

These several accounts are Highly Incorrect and Errant and these accounts were verified as accurate after many investigations ( unlawful ). 

However, I have a few questions for the bureaus : How did these bureaus complete their investigation? 
Did they talk to my neighbors, friends, family, etc as per law in the FCRA? If so, please inform me of the person who completed this investigation and a FULL description of the investigation within 15days or less. One more thing, I was reading the FCRA and noticed they violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and the Time to correct these accounts has long passed. Please see attached Credit Reports as reference of all the inaccuracies which is NOT allowed by FCRA, my report must be 100 % accurate. The inaccurate accounts are : 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 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 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 XXXX XXXX XXXX XXXX XXXX that have the exact same mistakes on many places of the report as I have circled for your convenience. What is outstanding and a complete violation of the so called Verified Accounts is the amount of mistakes that were never fixed from before nor after their investigations. 

I have also attached proof of all my certified mailings to the credit bureaus, not including the mailings to each creditor. I have also notified my state attorney general of the wrong doing to my person. 

Please have them Delete all the above states accounts right away, and keep them from coming back in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
THE ACCOUNT IS CALLED XXXX XXXX  XXXX XXXX WAS OPENED ON XX/XX/XXXX OF A BALANCE OF {$440.00}. I CALLED MORE THAN 5 TIMES STATING IT WASN'T ME AND IT WAS REPORTED ON MY CREDIT REPORT. 

ALSO, A COMPANY NAMED ONE MAIN WAS OPENED WITHOUT MY KNOWLEDGE ON XX/XX/XXXX. THE BALANCE WAS {$4200.00}. THAT WASN'T ME AS WELL. I CALLED THEM TO STATE THAT INFORMATION AND NOTHING WAS DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I closed on a house on XX/XX/XXXX and it was not received till the XXXX of XXXX the mortgage company knew it was being paid off but they put a 30 day payment on me and now I cant get a Mortage cause of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed 2 charges debited from checking account that I did not authorize. I immediately called my bank Wells Fargo and spoke to the Fraud department. They immediately stopped my debit card that they say was used. The two charges were for the same exact amount of {$47.00}, shows authorized on XX/XX/XXXX at XXXX XXXX ' XXXX, CA. The customer service member at Wells Fargo was able to tell me that he did show the card was not physically swiped at the location. I was issued a new debit card as my current one was comprised and a claim was opened. I received notification today that the claim was closed. When I called Wells Fargo they advised me their internal investigation determined it was not fraud and that I would not be reimbursed for those two charges. They will not provide me the location the charges were made from or how they arrived at their determination and what proof they had that I authorized the charge and that it was not fraud. I was also hung up on by the representative when I asked how I can appeal their decision.

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm submitting this complaint against all XXXX major credit reporting agencies. 

I've submitted a letter to the credit bureaus, XXXX, XXXX, and Transunion, on XXXX XXXX. This letter asked for detailed information regarding how the account information on my credit report was investigated and validated. Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act states that the credit reporting agencies are required BY FEDERAL LAW, to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 

I have demanded to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that they have on file for the accounts list below that appear on my credit report. These inaccuracies have hurt my ability to obtain credit. 

Under the FCRA, any unverifiable accounts must be removed from my credit report and if they are unable to provide me a copy of verifiable proof for these accounts listed below, they must be removed from my credit report. 

I demand that these accounts be removed from my credit report immediately seeing as that this investigation has gone on longer than 30 days and there has not been any verifiable proof ( i.e. an original customer signed contract with my signature on it ) presented within the 30 day investigation window. 

The accounts in question are listed below : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm submitting this complaint against all XXXX major credit reporting agencies. 

I've submitted a letter to the credit bureaus, XXXX, Equifax, and XXXX, on XXXX XXXX. This letter asked for detailed information regarding how the account information on my credit report was investigated and validated. Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act states that the credit reporting agencies are required BY FEDERAL LAW, to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 

I have demanded to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that they have on file for the accounts list below that appear on my credit report. These inaccuracies have hurt my ability to obtain credit. 

Under the FCRA, any unverifiable accounts must be removed from my credit report and if they are unable to provide me a copy of verifiable proof for these accounts listed below, they must be removed from my credit report. 

I demand that these accounts be removed from my credit report immediately seeing as that this investigation has gone on longer than 30 days and there has not been any verifiable proof ( i.e. an original customer signed contract with my signature on it ) presented within the 30 day investigation window. 

The accounts in question are listed below : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Here are a few inquiries that I do not recognize Please can you remove them from mine? 

XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX  ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/2022 2022

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have a loan from Wilshire Consumer Credit for XXXXXXXX XXXX  installation. On XX/XX/XXXX, I contacted them and requested a payoff quote. The loan was paid in full on XX/XX/XXXX. After that, I contacted them to request a XXXX release and noticed the balance of {$22.00}. The person helping created a ticket that takes XXXX hours to review. Time passed by, but I didn't receive any responses. On XX/XX/XXXX, I contacted them again. The person named XXXX placed me on hold and disconnected the phone line. I called back, and the person helping responded that the balance was {$55.00} because I underpaid the loan. After explaining that the payment was based on the payoff quote, he transferred the line to his supervisor. XXXX ( supervisor ) was very nice to tell me that the balance is {$22.00} and it is a late fee. I asked to waive the fee since I paid the full balance of {$27000.00}, but his response was shocking. He can not waive the late fee since they received the payment on XX/XX/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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
The dates include from 2021 to now current date. 
There are 26 Hard Inquires on my credit that I DID NOT allow the company 's to look into my credit report for any given reason. I have told them to NOT run my credit and when i go to check my scores and my credit report I see a lot of Hard inquires have been added that i DID NOT allow.

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 2022-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have received a six years loan from Ally Auto Finance on my XXXX XXXX XXXX and I paid off my loan completely. But before I paid my loan I requested two extensions during XXXX that were delayed and the manager did not call me back and later did not grant the extensions. Ally delayed the extensions and as no manager called me back they accumulated late fees, and on top of the late fees they accumulated more late fees, right now are at over {$250.00} and growing. Ally instead fraudulently collected more late fees and withheld my pink slip to try to repossess a paid off loan. I asked for my title and pink slip at least 10 times, but Ally refused to send me my title. The XXXX XXXX speaking representatives always lied to me and even when they promise their managers will call me, no one called me and the still collected more late fees that they added to the loan and that they say I owed. I asked them to remove the late fees and send me my pink slip and they ignored me. Meanwhile they have reported me to the credit bureaus and my high credit score dropped and was damages because of Ally. Ally also blocked me access to details of my loan online and I could not access them to request my pink slip online. This company is evil after I was a good customer for 6 years and paid off my loan they mistreat me and engage in fraud. Please help me!

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from EXPERIAN, XXXX & XXXX see 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 non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I was included in the covid forbearance for hardship in XXXX and in XXXX I was ready to resume payments. Upon trying to get the loan modification done. It has been nothing but constant runaround and dead ends. I worked with XXXX XXXX who had my original loan. I waited four months while calling the company every few weeks to just get the same answer of, the paperwork did not go out and they had to escalate it which will take another four weeks. Upon calling back to the company I get the same response that it needs to be escalated and another four weeks. Then XXXX transferred my loan to XXXX XXXX and XXXX XXXX is giving me the runaround because they cant get the paperwork from XXXX This has dragged on for over a year now and Im still not able to make payments because they are saying I owe {$50000.00}, even though my loan modification was approved months ago but I never got the paperwork to sign and send it back to them. The account is currently sent over to foreclosure and I feel like Im getting screwed over because Im ready and willing to make the payments, but Ive been waiting on the company to modify the loan for over a year and now theyre trying to foreclose on the property. I reached out to the VA and they cant assist or help me so Im at a dead end for assistance and its causing stress and possibly me losing my home even though Im willing and ready to resume payments for the last 10 months I have no more avenues left.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation