vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I contacted the XXXX company on XX/XX/XXXX and also on XX/XX/XXXX to let them know this account was not my account, the creditor XXXX still put this account on my credit for a balance of XXXX. I never lived at the service address they have listed for this account. I want this unverified account removed from my credit. I demand to see verifiable proof, but I haven't received anything for this unknown account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I was able to make my payments ahead. I no longer can do this. 
Ability to pay ahead in case of emergency is why I used LoanDepot for my mortage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a wrong bankruptcy in my credit report..They cant proof it as mine,,,, because the court says they never report it to them..

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 2024-01-02 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: TX

Complaint narrative:
I send a certified letter XXXX XXXX I ask the Bruere to investigate my account. it came back verified which by 15 US code 1681 sub chapter 3 says rules of construction whole an interview with family friends and people who know me. I need to know who they verified it with. Every thing has to be 100 %  accurate her is my credit report please delete this accounts XXXX us  Bankruptcy court case or ID # XXXX and XXXX XXXX XXXX ID # 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 2024-01-02 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: TX

Complaint narrative:
I send a XXXX  letter XXXX XXXX I ask the XXXX to investigate my account. it came back verified which by 15 US code 1681 sub chapter XXXX  says rules of construction whole an interview with XXXX XXXX and XXXX  who know me. I need to know who they verified it with. Every thing has to be XXXX XXXX  accurate her is my credit report please delete this accounts XXXX XXXX  XXXX  court case or ID # XXXX and National credit adjusters ID # 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 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I'm a XXXX  resident who owes student loans and have been on the PSLF plan for the last 9 years. My loans were transferred to Mohela last year, and I've talked to them approximately XXXX times on the phone since XXXX. To date, they refuse to generate a correct bill for me to be able to pay my loans. I have repeatedly submitted my income-drive repayment applications at the direction of their phone representatives. Only on one occasion did they come up with the correct amount to bill me for pursuant to the Department of Education calculator ( {$150.00} ). 10 days later, they canceled that plan and told me I owed {$3200.00}. They then instructed me to send another IDR application in. They now say I owe {$250.00}. I told them that amount was incorrect and they had me submit another IDR application, which they promptly canceled as a duplicate application. They also had to put me in administrative forbearance from XXXX through XXXX because they illegally sent me a bill ( for the incorrect amount ) less than 21 days prior to the due date. They have stated repeatedly that this administrative forbearance will count towards PSLF. Half of my XXXX loans are now showing as ineligible for PSLF. I have called so many times and can not make any progress whatsoever. They told me I should make a XXXX payment but my account shows that I owe nothing and I never received a bill for XXXX. I have filed a complaint with the XXXX XXXX XXXX ombudsman as well and was told I would receive a response within 15 calendar days, but did not. To date, I have made every single student loan payment on time and have never had any problems with my accounts, but I literally CAN NOT get Mohela to generate a bill for me. I have spent hours talking to them and am at my wit 's end. I've been a local government employee for 9 years and simply want to have a bill generated so that I can make my student loan payment as I've always intended to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: CA

Complaint narrative:
Someone opened an account using my personal information and a fake address in order to take out a personal loan without my knowledge. I only became aware of this when a debt collection agency called me to say I owed {$8900.00}. I informed the company, XXXX, via phone call and a physical letter which I mailed on XX/XX/. I also froze my credit and reported the fraud to the credit reporting agencies as well as the fraudulent address that was being used with my name at the same time. I also emailed the debt collection agency with information about the fraudulent account and forwarded a letter to them which I had previously sent to XXXX regarding the fraud on XX/XX/. 

I still have yet to hear about the status of this situation.

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 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
After numerous failed attempts to rectify my issues with Mohela, I am completely frustrated.I have submitted information and documentation in regards to my loans. Yet I was informed that a forbearnace would be needed due to back log. That request has not been completed and I keep recieving bills despite I should not. No updates have been given after calls by myself to check status but the same rhetorical statements. This has placed me in a horrible situation ( credit reporting which is unfair ) that I would like to be rectified. Mohela calls range from ( 2-3 hr hold times ) with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: FL

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being XXXX. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It is indeed ridiculous to see XXXX  payments recorded on my account when I have consistently made XXXX payments without any history of being XXXX. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am not the one who opened up this account, I am dealing with identity theft I never lived at the address on file, the phone number is not my phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2024-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
A sales representative knocked on my door asking me to try their XXXX XXXX product ( XXXX XXXX ). He said that the service was free for the first month, and that if I did not like the product I could return it within 30 days of set-up. Their equipment shipped out to me on XX/XX/XXXX. Their XXXX product consistently failed and I shipped the product back with a return label provided by XXXX on XX/XX/XXXX. I have email documentation. Afterward, I received a bill from XXXX for {$25.00} for billing period XX/XX/XXXX - XX/XX/XXXX. I contacted XXXX via phone. I asked if they had mistakenly charged me for the XXXX service, but they couldn't find me in their system. I was asked to contact their Fraud Department. I did and they were not able to help. I was asked to contact their Finance Department. I gave the finance department an account number on the bill they sent me. They verified that it was related to the XXXX equipment and also verified that I had returned the equipment within 30 days of set-up. They stated that they had created a cancellation ticket to remove the charge ( below ). 

Ticket # to reverse charge - XXXX I was told that it would take 1 to 2 billing cycles for the reverse charge to appear. They apparently did not correct anything, and in XX/XX/XXXX I received a collection notice from a debt collection company by the name of XXXX. I called XXXX and they stated they could not speak to me because it was not with the debt collection company. So I emailed XXXX all the documentation along with the information stated above. They did not respond after receiving my documentation. I assume they realized the debt was not legitimate. They apparently sold or transferred the debt to another company. I received a debt collection letter from Jefferson Capital on XX/XX/XXXX stating the debt was owned by them. I called Jefferson Capital and asked for an email address so that I could forward all the documentation I had previously sent to XXXX. They would not provide an email address and stated that I would need to mail any documentation. It seems that these companies can just keep transferring an illegitimate debt around and wasting my time with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
NC State Employees Credit Union took a back HELOC payment from two different accounts I have with them. This was not the first time they have done it. The first time I asked them to reverse it because I didn't have any other income coming in at the moment to care for the basic needs of my family. On XX/XX/2023 they did it again and moved the funds to cover {$360.00} this was at a time that I didn't have funds coming into account until the last day of XXXX since I started working for the school system. 

They took the funds which made other automatic outside creditors default and charge me for that. I asked the bank to show me where I signed that it was ok to move the funds. It took 3 weeks for someone to show me, because " Right of set off '' is nowhere on the promissory note. They showed me an online document on page 43 where it shares about " Right of set off '' XXXX XXXX XXXXwww.ncsecu.org/XXXX My issue is that no where was I given that understanding. Nowhere on the promissory note does it talk about my funds being pulled out of where money is in my accounts. 
1-I have my children 's accounts attached to me which will get them in a bind if I hadn't had money in other funds. 
( I will disconnect it all because I don't want them to be penalized for my doings ) 2-I now have a longer list of monies that I have to pay with other creditors because of defaulting on their automatic payments where the bank also charged for insufficient funds 3-Where does it say on the document what constitutes their authority to take the funds if I didn't get anything in writing with it? How many days before they will do it? AND when do they do it because I have been late before and it wasn't done 4-Who protects me from other creditors going after the debt I have with them? 
5-Collections said it was given to me when I opened the account it is my responsibility to know what all the bank writes that they will do. The PDF was updated in 2023, what did it say when I opened the account almost 25 years ago? Was " Right of set off '' in place then? 
6-I also did not get a letter stating what they had done until after it had been moved. Attached are the promissory note, and the letters from the bank where they took the money and sent a letter as an after thought. 

I am a Member of NCSECU but feel like a criminal, I want restitution for what happened with an apology showing me when consistently it would be taken off and where I said that they have the authority to pull those funds from any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Hard inquiries were made to the following Credit bureau agencies including XXXX and XXXX. 
XXXX ) On XX/XX/XXXXXXXX XXXX made a hard inquiry accoridng to the XXXX report. Their address is XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX ) On XX/XX/XXXXXXXX XXXX  made a hard inqury according to the XXXX credit report. Their address is XXXX XXXX  XXXX, XXXX, OH XXXX. 
XXXX ) On XX/XX/XXXX, XXXX made a hard inquiry according to the XXXX credit report recently XXXX Their address is XXXX XXXX  XXXX, XXXX, OH XXXX. 

According to the XXXX credit report the following hard inquires were made reently. 
XXXX ) XXXX XXXX XXXX made a hard inquiry on XX/XX/XXXX. Thier address is XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 
XXXX ) XXXX XXXX made a hard inquiry on XX/XX/XXXX. Their address is XXXX XXXX XXXX Wilminton DE, XXXX. 
XXXX ) XXXX XXXX made XXXX hard inqury on XX/XX/XXXX. Their address is XXXX XXXX XXXX, XXXX OH XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Visa has told me for the past five months not to make any payments until the issue is resolved and not to worry about interest or fees, and now they tell me its been resolved but the balance plus fees and interest and negative marks on my credit report say otherwise. 
Its showing the full balance, late fees and interest on my card along with derogatory marks to my credit and all they can say is we dont know why its not showing XXXX balance and no one is doing anything about it. I have given them everything they asked for and have not gotten anywhere. 
Please help as its affecting my health.

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 2024-01-02 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:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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