vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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: NY

Complaint narrative:
On my experian credit report theirs is negative item called credit collection its a fraud account I filed a federal trade commission identity theft report on file please have experian remove the account my social security number is 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 2023-10-12 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: MD

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-10-12 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: MD

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which are concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. 

THIS WAS ALREADY REPORTED TO THE CFPB AND REMOVED ONCE BEFORE. THE COMPANY REFUSES TO STOP HARRASSING ME FOR A DEBIT THAT DOES NOT BELONG TO ME,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I requested on XX/XX/XXXX to change my repayment plan with Nelnet. It is now XX/XX/XXXX, and the payment that I do not feel I can afford is due in 11 days for over 3x the amount the new plan would be. Phone wait times are HOURS, and all they say is that " its processing ''. This company is an absolute joke and should be sued by every single student loan borrower who was forced to work with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
BMW vehicle returned that had a {$0.00} balance and was never late for BMW Financial Services. Lender marked account as a chargeoff when the account was being paid and they were able to collect a debt giving the impression that debt could not be paid when we agreed that I needed more time. They rather prevented payments from being made and marked vehicle as a chargeoff. A dealership offered to purchase vehicle and lender refused to accept process but rather cause me financial harm by making the situation worse. Agreement was that vehicle lease would be extended or purchased once home purchase complete. Lender blocked payment through their site as to make account seem late, manipulating an information system to their benefit thereby affecting loan process for home. BMWFS has done similar action in the past where I was told {$0.00} balance after signing lease for new vehicle a balance for damage sent to me days later which is fraudulent business practices which went unchecked. Credit bureau agreed and fixed and when I sent more information for further correction switched to support BMWFS without considering my account of events basically being the credit bureau for businesses and not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have noticed these unauthorized inquiries in my report. I have given the three credit bureaus a call XX/XX/XXXX regarding these inquiries. I was told that these inquiries can not be removed under any circumstances. Without showing proof of unverified/unauthorize information. Here is the list of inquiries that are listed on my credit report. 

XXXX XXXX XXXX  posted XX/XX/XXXX XXXX XXXX XXXX  XXXX posted on XX/XX/XXXX XXXX posted XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX posted on XX/XX/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 explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have noticed these unauthorized inquiries in my report. I have given the XXXX credit bureaus a call XX/XX/XXXX regarding these inquiries. I was told that these inquiries can not be removed under any circumstances. Without showing proof of unverified/unauthorize information. Here is the list of inquiries that are listed on my credit report. 

XXXX XXXX XXXX posted XX/XX/XXXX XXXX XXXX XXXX  XXXX posted on XX/XX/XXXXXXXX XXXX posted XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX posted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX posted on XX/XX/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 2023-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I requested a deficiency notice letter advising how the sales of the repossession proceeds of the XXXX XXXX XXXX I financed through GM Financial were applied to my debt. GM Financial failed to send the letter or advise me any information regarding the final sale of the vehicle but they updated my credit bureau with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I had a mortgage and during the pandemic, the tenant did not pay any rent and explained this to Shellpoint for the last XXXX years and it has been frustrating to communicate with Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: NJ

Complaint narrative:
Please see attached letters for detailed breakdown down of complaint. Anytime a charge off is reported it is now becomes income. Therefore it should not be reported on my consumer report. 15 USC 1681e-b Compliance and procedure states that the reporting company must maximum accuracy when reporting.

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 2023-10-12 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: NJ

Complaint narrative:
Please see attached letters for detailed breakdown down of complaint. Anytime a charge off is reported it is now becomes income. Therefore it should not be reported on my consumer report. 15 USC 1681e-b Compliance and procedure states that the reporting company must maximum accuracy when reporting.

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 2023-10-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Witkes Law Firm LLC
State: OH

Complaint narrative:
I received a letter in the mail from a law firm stating they were trying to collect a debt from me. I did not owe any monies to the company who they listed. I called the original creditor and they also told me I do not have any outstanding balances with them and that they have never heard of this law firm. They do not use this law firm ( or any ) to collect debts because of HIPAA laws. I have attached the letter I received in the mail and a copy of my original receipt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened a CD on-line with TD Bank - 12 month term 5 % rate for {$25000.00}. I transferred the funds directly from XXXX XXXX  XXXX XXXX Account to TD bank. I was not able to sign on to my new TD account on-line so I called the help number and was told that fraud was suspected so I needed to go into a branch office with photo ID. I made an appointment and visited my local branch ( XX/XX/2023 ) and was told that the CD I purchased was only available to customers with a checking account AND that despite the fact the the funds were taken from XXXX XXXX  XXXX XXXX account they had not yet shown up at TD bank and I needed to wait XXXX business days for the transfer to take place. 

I noted that a ) there was no place on line that indicated that a checking account was required to open a CD ( This is clearly deceptive advertising ) ; b ) I do not have access to my savings ( {$25000.00} ) ; and c ) I XXXX hour in the branch office as multiple staff attempted to sell me alternative investment vehicles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I used Affirm 's payment option to purchase an item online. I changed my mind and contacted the vendor to cancel the order on the same day. The vendor responded back that the order was canceled on the same day as the original sale date. I contacted Affirm and notified them that the sale was canceled. I was told that it would still show up on their site but that it would " fall off '' after 14 days. This was not the first time I've used their service and have always paid on time and in full. 

I checked back after the time the 14 days passed and saw that the balance was still there. I emailed and called for them to correct the mistake and was told to send a copy of the cancellation email from the vendor, which I did. I never heard anything back but started to receive demands for payment. I again, called and emailed, forwarding the documentation, and was told, once again that it would be taken care of. 

Then I got an alert from my credit report that they reported the account as unpaid, which lowered my credit score. I again call them and go through the entire process AGAIN. It wasn't until I said that I would report them to the XXXX  and the FTC that they removed the balance from THEIR site. It still remained on my credit report that I was late on a loan that was never initiated. 

I again called Affirm and was told that their reporting was correct and would not make any changes. Despite all the evidence to the contrary. 

They changed the account on my report as paid, instead of removing it. Paid by whom? The vendor canceled the purchase in their system the same day. How do you pay for something that was never processed? 

After reviewing the complaints on the XXXX  website, I see that I am not the only person to have this problem with Affirm. Something has to be done to change their poor communication and lack of business ethics. 

I see a class action lawsuit in their future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I need to re-document and refile this grumbling to NR/SMS/XXXX..I kept in touch with them the errors of my credit report including dates of payment, dates opened, payment history, and status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A.

States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX  as my formal complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I tried applying for a loan modification with PHH, but they will not take in any application for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX took XXXX in XXXX separate withdrawals form my account. I immediately went through XXXX and showed them how the payment was not due until XX/XX/XXXX. XXXX deposited XXXX back into my account on XX/XX/XXXX. 

Also on XX/XX/XXXX Afterpay took two XXXX withdrawals from my account. That same day after I spoke with them, they deposited XXXX back into my account because Ive returned the product and they werent supposed to take those payments. The XXXX includes a past payment of XXXX that I already made. Citizens bank has charged me at this point over XXXX in overdraft fees. These were unauthorized charges and the companies directly out the money back. They kept saying that they charged me for daily overdraft fees for the time from XXXX until XX/XX/XXXX when XXXX out the money back. Then they also charged me overdraft fees for the transactions I made after that when they are supposed to adjust the transactions correctly because I supposed to have had money in my account at that time before the unauthorized withdrawals that were later our back by the company occurred. Im already in a class action lawsuit against them for overdraft charges and this shows exactly why. My check deposits tomorrow and theyre taking most of my money fraudulently because I didnt overdraft those were unauthorized charges that were paid back by the companies. Please assist me in getting my money and account correct so I can leave this bank. Ive spent a total of XXXX hours on the phone talking to reps and managers until they just hang up on me and absolutely refuse to fix my account. Yesterday they refunded XXXX in fees and I wake up today and they charged XXXX again. They will charge another XXXX tomorrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 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: AL

Complaint narrative:
I am in the process of buying a home and I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about my reporting. I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. I have highlighted all the discrepancies. Please remove this inaccurate information from all bureaus as you are in violation.

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 2023-10-12 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: AL

Complaint narrative:
I am in the process of buying a home and I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about my reporting. I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. I have highlighted all the discrepancies. Please remove this inaccurate information from all bureaus as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: MA

Complaint narrative:
I DONT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I DONT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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