vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: VA

Complaint narrative:
According to the Fair reporting credit act, 15USC 1681 section 602 states " there is need to insure that credit agencies exercise their grave responsibilites with fairness, impartialitty and a respect for the consumer 's right to proivacy '' XXXX and Experian are credit reporting agency and financial institution in which I am in the consumer. it is my right to ensure that my private information is shared or distributed, this is backed by 15 USC 6801 which states " it is the policy of the congress that each financial institution has affirmative and continuing obligation to respect the privacy of it customers and to protext the security and confidentiality of " customers non public information ''. XXXX and experian are credit report agency under this title. Section 2 of 15USC 168111 section 604 states that " in general subject to subsequent ( c ) any consumer reporting agency may furnish a soncusmer report under the following circomstances and no other " in accordance with the written insturction of the consumer to which it relates ''. this. XXXX and Experian consumer reporting agency does not have my consent, and writen consent to furnish this information, Any and all consent Verbal, non verbal, written, and or otherwise implied is now revoked. 15USC 6802 ( b ) ( c ) states " A Financial insituion may not disclose nonpublic personal information to a non affilitated third party unless the Consumer can exercise the non disclosure option ''. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX never informed me of my right to exercise the non disclosure option ''. Furthermore 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report contaning any of the following items of information, any Adverse item information, other than the records of convictionof crimes which antedates the report by more than seven years ''. These three accounts is an adverse item thaey are reporting without my pemission which is against the law. 15 U.S. code1681s-2 ( A ) ( I ) A states " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has resonable cassuse to believe that infomration is inaccurate. 15 U.S. code 1681e state " Every consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and to limist the furnishing of ocnsumer report to the purpose listed under section 1681b of this title ''. 
XXXX is not conducting reasonable procedures in regards to this accounts stated.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is XXXX XXXX, in XXXX  i got a loan from ( XXXX XXXX XXXX XXXX XXXX ) for XXXX  purposes. Initial loan was for around {$3200.00} I have been making payments with the intention to paid off in XXXX year ; however due the economic downturns i could not paid off the total balance of the debt within XXXX year. 
So in XX/XX/2023, I received the Alphaeon Credit new statement showing an interest amount of {$900.00}. The debt increased so much for me to make payments.

I called Aphaeon credit office in XXXX, but they stated that they can not help me with the reduction of such high interest amount, I offered them to paid off the total balance if they removed the high interest amount, but they refused they said i can do something like filling some document for extreme hardship request. so please help me to reduce at least half of that annual interest charged on my account. I will appreciated your help on this. than

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax blocked my credit report and requested personal information that i provided to resolve issue. It hive me Equifax error code XXXX that needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that the company Experian delete incorrect/inaccurate personal information from my consumer report on XX/XX/year>. I requested that the company send to the address given an updated copy of the corrected consumer report. I have not received anything from Experian and the information has not been investigated or removed- it is still reporting incorrectly on my consumer report as of XX/XX/year>.

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 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OH

Complaint narrative:
I was a minor when my folks had this account. I should be held liable I told them that. Then when I tried disputing it when I got older. The company went out of business and got merged so I thought I was ok. Then three- six months ago the company comes with emails and texts saying I owe them this huge amount. And if I dont settle or pay in lump sum then they will report to my credit bureau and damage my credit and they did. When I explained it dont make sense. Threats of I must not have money and I cant afford it can. Im sending in last known amount from when I was a minor and the dispute letter from back then saying they would close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Account in question : LVNV Funding Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing ( SPS ) received a Request for Mortgage Assistance ( RMA ) from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. The RMA required my first payment in XX/XX/XXXX in the amount of XXXX, I made the payment, but could not pay any other bills, the second payment was in XXXX in the amount of XXXX the principal. When I tried to make the third payment SPS closed my access to the customer portal and I could not make any other payments, SPS immediately forwarded my property to the foreclosing attorney. They scheduled the foreclosure for XX/XX/XXXX. I told them the XXXX was too high and I needed them to give me a more affordable payment plan. Instead they sent me a repayment plan for XXXX more than what I was paying this is bad faith, unfair dealing and unconscionable contract. I have received ( XXXX ) foreclosure notices and a higher monthly mortgage payment. I know that SPS can give me a more affordable in-house mortgage. 
I have conveyed to SPS, that I do not desire to lose my home of XXXX years. And for this reason I am in need of your assistance in getting a stop to the foreclosure and affordable monthly payment. 

I went into the notices in the customer portal and found a notice where SPS stopped all further Foreclosure proceedings, until further notice. But I still do not have an affordable monthly house payment. My house payment was only XXXX, now they have it at XXXX two-thousand dollar per month increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots 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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My husband and I closed on a property in XX/XX/XXXX with XXXX XXXX XXXX. The agreement we signed with XXXX was that property taxes and property insurance would be escrowed and paid by the mortgage company. When we closed, we put {$1600.00} into the escrow account for property taxes. 

XXXXXXXX XXXX XXXXXXXX immediately sold our mortgage to Rushmore Servicing. I am now being told that Rushmore will not be paying our property taxes. I have spent more than 2 hours in total talking to at least 8 different people at Rushmore about this issue. I am being told, because this is a newly originated account, our escrow can not be analyzed until XX/XX/XXXX. Our account was not originated by Rushmore, it was originated by XXXXXXXX XXXX XXXX and our agreement with XXXX was that taxes and insurance would be escrowed and paid by the mortgage company. If Rushmore has changed that agreement and decided they will not be paying the taxes, then an exception should be made to the 10-month rule and my escrow should be analyzed. 

I am requesting that my escrow be analyzed and my monthly escrow payment be adjusted to collect only funds needed to pay my insurance. It would stand to reason that if I am going to be required to pay my own taxes, then I should be refunded the {$1600.00} I paid into escrow for taxes at closing and the tax portion of any escrow payments I make between now and the refund date.

If I continue to pay the full escrow payment, Rushmore gets to hold almost {$5000.00} of my money knowing they will not be paying the taxes. By the time my escrow is analyzed in late XXXX and a refund is issued, my property taxes will be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
I received multiple texts and phone calls from Sunrise Credit Services , Inc regarding a debt collection of {$1500.00} to XXXX XXXX XXXX XXXX. I have never signed up for or used AT & T in my life. They had the wrong house address for me, and I did not want to give them any more information over the phone because of identity theft concerns.

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 2024-05-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I became a victim of identity theft the person that stole my identity and attempted to get credit in my names was unsuccessful but they did put some inquiries on my equifax credit report All these accounts are fraudulent below I did not inquiry no credit from these companies. 

( Fraudulent Inquiries ) XXXX. XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XX/XX/ Equifax XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: OH

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and 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 2024-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Dear Wells Fargo, I am writing to express my strong concern about a recent experience on XX/XX/24 while attempting to make a payment for my wife XXXX XXXX The agents I spoke with exhibited unprofessional behavior by repeatedly interrupting me, having a under tone, not being kind, demanding they read my debit card number back, and very rude. 

More importantly, I was deeply concerned about the security of my PII when the agents insisted on reading my debit card information back verbally. Insisting on reading my debit card information back verbally creates a significant security risk, as this information could be overheard or misremembered. The Gramm-Leach-Bliley Act ( GLBA ) highlights the importance of protecting customer financial data, and this practice goes against the spirit of data security. 

I contacted your office representative, XXXX, regarding these concerns. Unfortunately, XXXX did not offer a resolution specific to my situation and simply stated that Wells Fargo policy allows them to read the information back. 

Due to the agents ' insistence on reading my debit card information back verbally, I was placed in an uncomfortable situation where the security of my PII felt compromised. Resolving this issue took significant time and caused me to delay and miss opportunities to produce music instrumentals, potentially resulting in lost income from music production platforms like XXXX, XXXX, and XXXX, as well as social media platforms like XXXX and XXXX. 

I would appreciate a review of Wells Fargo 's verification procedures to ensure they prioritize data security and implement more secure methods like sending verification codes via text message. Additionally, I request reimbursement for my lost income due to the delays caused by this issue. 

Thank you for your time and attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-05-01 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: NY

Complaint narrative:
I received my credit report and notice that the XXXX XXXX acct is reporting as closed with XXXX amt and then status as chargeoff. This is incorrect. Credit agency are not allowed to report information on my report without my authorization. Therefore i would like this acct deleted.

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 2024-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
The company I am having problems with is Paysafe and either their sister company, or Paysafe again but under a different company name. The salesman lured me into a contract with much lower rates then what was actually on the contract. I have never been sent a copy of the contract myself either. The credit card machine they sent me was extremely slow, taking about XXXX minutes per transaction to connect to their systems and the customer 's bank. I was barely using it because of this, as my customers, and myself were getting impatient with the machine. When I tried to reach out to them about getting a better machine, or resolving this issue, they refused to cooperate, and never returned my phone calls. I then just stopped using the machine entirely, and switched to alternative payment methods. Soon after, I started getting billed for not being " PCI compliant ''. I then went and completed the PCI compliance maybe 3 months after I've been billed about it, but they still continue to charge me for not being PCI compliant to this day even though it is done. They then started to charge me around {$200.00} for " inactive fees ''. I then sought to reach out to them again, and basically had to trick them to finally get someone on the phone to speak to. I spoke with XXXX a customer representative for the company and cancelled my contract with the company. I have attached below evidence of our correspondence and proof of the contract cancellation. They continued to charge my bank account after the contract has ended, and I found out that they were double charging my account with a XXXX merchant bank under a different name. I called my bank XXXX months ago, and blocked their withdrawals from my bank account. The total amount of money they have withdrawn from my bank account totals to {$5000.00}. Now they are threating to sue me for not paying for a contract I am no longer a part of. They have never sent me a billing summary, my contract, and are near impossible to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: American Credit Acceptance, LLC
State: PA

Complaint narrative:
Per the Federal Credit Reporting Act as a federal protected consumer. Pursuant 15 USC 6802 I XXXX XXXX am OPTING OUT of all and any authorization I may have given to American Credit Acceptance written, unwritten, verbal, nonverbal to report my non-public personal information. American Credit Acceptance is in violation of the Privacy Act of 1974 as well as 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by American Credit Acceptance that my non-public personal information was going to be shared to third party affiliated party 's such as XXXX, XXXX, XXXX and I was never given the chance to opt out. Also 15 USC 6508 also states I have the right to opt out on any thing reported to my credit report and I'm supposed to receive a opt out notice every thirty days which American Credit Acceptance has not given me. I em hereby exercising my right under 16 cfr part 313.7. According to 15 USC 6802B I'm supposed to receive three different disclosures before my non-public personal information was shared without any notice. American Credit Acceptance also in clear violation of selling debt to third party after the debt had already been tendered in accordance to ucc 3-603 I had no contract with the third party they sold the debt to. Also their in clear violation of 15 USC 45 unfair methods of competition for the failure to update the record after receiving tender of full amount of the debt in accordance with Electronic Funds Transfer Act as well as their acts of Securities fraud and tax evasion which I intend to report via form IRS form 3949A. To conclude XXXX, and XXXX are in violation of 15 USC 1681 section 604a section 2 it states a credit reporting agency can not report an account without written consent. I did not give XXXX or XXXX written consent to report American Credit Acceptance account and supporting sharing my non-public personal information such as transaction history and balance which they are in violation which I did not give permission or written consent to report non-public personal information and did not give written consent to even report American Credit Acceptance on my report

Company response to consumer: Closed with explanation