vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: LendingUSA
State: WA

Complaint narrative:
The previous company was pretty amazing ever since they switched to a new third-party theyre not very consistent. I dont get updated text messages. 
They are saying, I have an elite fee which Ive never had before. 
Also, Ive asked for statements to be sent to my house each time I speak to them theres a different amount that is due to pay off. 
I can never get into my portal to make a payment and every time I try there attached a random fee. Theres a {$210.00} fee or a {$100.00} fee When my monthly payment is {$160.00}. 
I called to confirm how much it would be to pay it off {$1700.00} the lady said when I had an email that said it was going to be {$810.00}. 
From the back office I went and moved some money around in my bank account just to make the payment. after I did that, I called Lending USA to make the payment and then they told me a different amount {$1900.00} within a hour Im feeling quite overwhelmed. I am just done from having different phone calls from all over the country. Im feeling very overwhelmed. I dont know if its legit my bank said they think it is because its from California , but then I had another lady said that I should probably contact the XXXX XXXX XXXX and federal commission So here I am just going above and beyond to make sure I do so then I went I did make a payment because I dont want my credit to be affected plus, Im feeling stressed out with people calling me from all over the country. Im feeling her XXXX and I just wan na make sure that my Credit doesnt get affected and that this company is legit. I dont know if I did the right thing to be honest. 
Originally started making loans to this company back in XXXX. We opened this alone up because we purchased a dog I know stupidest decision ever in life but my kids really wanted one and at that time I couldnt afford it again. It was alone. I agree to the loan 100 % but since this new company took over the loan, theyre not legitimately respectfully following the rules and regulations I try to make my payment and theyre not letting me, every time I try to go to the portal theyre I dont have access to it. I asked multiple different times and then now I have random late fees I cant even make a payment I call and they wont let me or they add a {$210.00} charge on top of it. Its not fair. I just wan na make a payment without having these random fees attached for no reason. 

I cant even get into my portal to attach documents. Thats the hardest thing right now. Im so sorry. I cant even attach any documents. I actually think I have emails. That would be grateful. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX hoping somebody can get back to me and see if this company is legit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
XXXX  XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX  - XXXX : This collection is reporting as an account. There should be no payment history for a collection account. This needs to be deleted immediately. 

XXXX - XXXX : No methods of validation have been provided for this collection. Please provide proof or delete immediately! 

XXXX XXXX XXXX - XXXX : Both XXXX and Transunion have deleted this erroneous account. Delete this immediately! 

XXXX XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately. 

XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this 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 2024-07-10 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: FL

Complaint narrative:
XXXX  XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX  - XXXX : This collection is reporting as an account. There should be no payment history for a collection account. This needs to be deleted immediately. 

XXXX - XXXX : No methods of validation have been provided for this collection. Please provide proof or delete immediately! 

XXXX XXXX XXXX - XXXX : Both Experian and XXXX have deleted this erroneous account. Delete this immediately! 

XXXX XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately. 

XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this 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 2024-07-10 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2024 and XX/XX/2024 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-07-10 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: GA

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These issues include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: IL

Complaint narrative:
I PAID MY LOAN DOWN TO XXXX SO I CAN PURCHASE MY NEW HOME ON XXXX. XXXX I NEED YOU TO DATE THIS BEFORE XXXX SO I CAN BY MY HOUSE ON XXXX. MY MORTAGAGE COMPANY NEEDS ALL THREE CREDIT REPORTS TO BE UPDATED IMMEDIATELY WITH MY NEW BALANCE THIS AN REQUIREMENT FOR THE XXXX AT THE MORTAGAGE COMPANY. I AM HAVING A SEVERE HARDSHIP AND I NEED XXXX TO PLEASE HAVE MERCY ON ME AND MY CHILDREN AND UPDATE MY XXXX CREDIT REPORT, XXXX CREDIT REPORT, AND XXXX SO ME AND MY XXXX CHILDREN DON'T BE HOMELESS. MY MOVE DATE OUT OF MY APARTMENT IS NEXT FRIDAY XXXX AND I AM SUPPSE TO PURCHASE MY NEW HOME AND I NEED THE XXXX CREDIT REPORTS UPDATED SO I CAN MOVE. A REPERSENTATIVE AT XXXX XXXX COMPANY TO ME TO GO STAY IN A SHELTER ON XXXX AND REFUSED TO GET A SUPERVISOR ON THE PHONE SO I CAN ASK FOR EMERGENCY HELP SO I CAN BUY MY HOME. I NEED MY CREDIT REPORTS FIXED THAT IS ALL I AM RESPECTFULLY ASKING. HELP HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After the payment being 3 days late, they sent me a notice that they were jacking the rate up to 32 % which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
I am writing to demand immediate resolution to my previous letter concerning the inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ) 611. Despite my clear request for an investigation into the following accounts, I have not received a satisfactory resolution.

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 2024-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Marcus at Goldman Sachs arbitrarily closed my savings account. They are allowed to do this but it would, have been nice to be given a reason. However, my balance of over {$26000.00} should have been sent back to me immediately. It now more than five weeks since the account was closed and I still have not received the cash despite three calls to their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Prior rental payment is still being reported on my credit even after I've fully paid the balance. This information is still reporting on my XXXX Credit report and is preventing my daughter and I to approve for housing.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Prior rental payment is still being reported on my credit even after I've fully paid the balance. This information is still reporting on my XXXX Credit report and is preventing my daughter and I to approve for housing.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
So I have reached out to waypoint management group dozens of times and each time they have no record of me having an account. They said I need to reach out to XXXX to talk to their collection department. I called XXXX and was told that my account says its been paid in full and that there is no record of me having a debt. Also this account is over XXXX XXXX XXXX so regardless of the information the account should be removed from all credit agencies. Now all agencies have removed it except XXXX. They refused to take it off.

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 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
When I checked on XXXX I was advice account is placed on hold ... I requested someone to get what on-hold issues -- was told by XXXX XXXX it was cause letter of validation sent XXXXinformed XXXX letter no received.. XXXX advise he would assure it's get sent... 
Ask XXXX for payoff letter... .he stated he couldn't do that until validation was sent .... 
Have not received any further response from company. Trying to close home equity line of credit, this is only outstanding issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this statement on my behalf. Per 15 USC Code 1681-2 ( a ) ( a ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. According to the Federal Codes listed above, they summarize that it is NONPERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions. No consent constitutes identity theft. As a federally protected consumer, I am exercising my rights and I am demanding the deletion and removal of ALL the listed accounts mentioned IMMEDIATELY! Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this statement on my behalf. Per 15 USC Code 1681-2 ( a ) ( a ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. According to the Federal Codes listed above, they summarize that it is NONPERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions. No consent constitutes identity theft. As a federally protected consumer, I am exercising my rights and I am demanding the deletion and removal of ALL the listed accounts mentioned IMMEDIATELY! Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-07-10 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site XXXX. Please dispute the account. It was opened without my knowledge, authority or consent. 

JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank at the corner of XXXX and XXXX and city wide in XXXX XXXX Texas outsources their ATM Services to a third party vendor. These machines are constantly broken down at least once a month. These ATM machines often do not function at all and when they do they function poorly. 

On XX/XX/year> I deposited {$700.00}. I counted the cash before deposit and verified that the amount was {$700.00}. I did so because about three weeks prior a Wells Fargo Bank location in XXXX XXXX XXXX had shorted me {$100.00} and I was able to obtain a credit for that amount. I followed the recommended procedures and called the XXXX number on my deposit slip to file for an investigation from the ATM Claims Department XXXX On XX/XX/year> a letter was sent out from the ATM Claims Department that the amount I deposited the was {$600.00} not {$700.00}. I spoke to XXXX and his supervisor and informed them that I had in fact deposited {$700.00} that day not {$600.00}. They failed to honor my claim to my money. 

Wells Fargo steals money from its customers through ATM machines that do not function to serve customers needs but rather steals money from unsuspecting customers who use their ATM 's. A review of their bank records will confirm that their ATM break down monthly and I am probably on of many in a class of consumers that are being defrauded by Wells Fargo bank.

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