vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Back on XX/XX/year> a complaint that I made against XXXX XXXX XXXX was closed with a very unsatisfactory response. The company stated they could not find any details regarding my account, however the account in question had been closed on my credit report. It was closed, however it is still reporting incorrect information resulting potentially negative credit score and overall trustworthiness in creditors eyes. I repeatedly contacted this company regarding the fraud use and continued opening of my account and drafting of payments I never authorized, including opening a second account after request of closure. I requested all funds back, and compensation related to the specificity of the law, as well as removal of the account in full. The company response was to send me a check, that I was unable to cash, as the check turned out to be fraud. The check itself was also not comparable in funds to what is allowed by the law of up to {$1000.00} per fine, nor was it comparable to the hundreds of dollars that were taken from my account during that time without my consent, or the funds and energy spent trying to recover my identity due to neglect on the company behalf. I have tried over time to get this corrected including reaching out to my local Congressional team for assistance. I have filed the necessary police report regarding my identity theft, and this is the 2nd year in a row that I am having to complete this same process without any resolution. Please correct this.

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 2024-11-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX I made a bill payment from American Express Serve to XXXX XXXX XXXXXXXX cashback card in the amount of XXXX. The confirmation code is XXXX. American Express Serve told me to wait until XX/XX/XXXX for the transaction. I waited until XX/XX/XXXX. I called again, and the agent refuses to issue a stop payment even though the transaction still has not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: MD

Complaint narrative:
I disputed the accuracy of the account and around XX/XX/year> you certified to Experian the information was accurate. I believe you failed to conduct a reasonable investigation and for that reason i am requesting the following information.

Retail Installment Sales Contract/ Lease Agreement/ Auto Loan Contract Include any Arbitration Provisions Complete Accounting and Payment History Notice of Sale/ Notice of Default w/ proof of mailing Explanation of Calculation of Surplus or Deficiency w/ proof of mailing Notice to redeem personal property w/ proof of mailing Details regarding whether the sale was public or private Please provide proof {$8500.00} was written off. Please provide charge off disclosure and date it was charged off, provide documentary evidence of how the account is now {$9200.00} past due. 
Although i was only a co signer at the time i am requesting all accounting records and documentary evidence. I believe the account is reported inaccurately because the account by commercial standards was a credit sale and no money was loaned to me or on my behalf. Please also provide all assignments and transfers. To my knowledge it is unlawful to use the property as collateral for a receivable. To my knowledge the security interest secured all that was owed. I believe you are engaging in unfair and deceptive trade practices. I didnt apply for a loan from you and you gave me and the buyer cash for the car. This was a consumer credit transaction derived from a CREDIT SALE. Please be aware that you have a fiduciary duty to perform and your failure to perform constitutes negligence and a restraint on trade. I entrust that you will conduct a reasonable investigation into the inaccurate, incomplete, and unveried information.

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 2024-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I'm requesting Carrington Mortgage to provide dates and payments amount that my Loan # XXXX was in the CARES ACTS ( Mortgage FORBEARANCE ). Carrington mortgage explained the unpaid months would be added to the end of mortgage term. During the process of selling the house we were told that we have a lien on the house at an outrageous amount.

Again, I'm requesting paperwork showing me how they came up with that amount. Being in the forbearance time would not added up to the amount that I had to pay at closing.

Carrington you have overcharge us. Please respond back with actual amount. If not I will be taking this action to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX 

This, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
Freedom Mortgage is completely inept at XXXX buydowns. They have lied repeatedly to me ( fraud ) about the amount of money that I owe. They were insisting to charge me MUCH more than they should have!!! It is a complete waste of my time to have to deal with a company who is breaking the law! They should be shut down, as they are absolutely inept! 

In fact, they wanted me to send a FAX to some department ( internal that takes weeks to respond ) regarding the disputed amount. I value my credit score highly and so I had to talk to a manager who confirmed what the person I called told me- the fraudulent amount! I will sign an affidavit relating to such. I had no late payments before thisbut I knew the XXXX amount was WRONG! 

Finally, I did get a hold of someone who was told me the right amount, but it was the last day! I specifically told him to pull from the exact same account as last time. However, despite my money being in my bank account, they pulled from a different account. Then they put a 30 day late ding on my credit. They have been impossible to work withas apparently they are just fine to put the onus on the customer. 

BE WARY!

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 recently reviewed my credit report and noticed and account that was not reporting accurately. I had 2 late payments that 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 Ive attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>. Im 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 2024-11-14 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 recently reviewed my credit report and noticed and account that was not reporting accurately. I had 2 late payments that 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 Ive attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>. Im 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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Inquiries are my Credit report that are fraudulent and unauthorized by me JPMCB CARD SERVICES Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX JPMCB CARD SERVICES Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX  ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I do not owe a debt with this company. They have the wrong name my wrong Social Security number on this account. This is a fraud account so I need them to remove this because I havent got a loan for them. I havent got a contract with them. I have not got a product with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NJ

Complaint narrative:
I made a payments on my card before my due date on XX/XX/year> and before my reporting date on XX/XX/year> and my information is not being reporting correctly

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 2024-11-14 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:
I am so very angry at Experian- they are reporting invalid credit inquiries 2 of them on XX/XX/year> from XXXX XXXX and XXXX. These are not from me and in fact from a business EIN XXXX XXXX XXXX XXXX and should NOT BE LISTED ON MY PERSONAL CREDIT REPORT FOR A BUSINESS. I have called Experian and they refuse to understand or acknowledge or fix this. Therefore I filed the attached fraud report with the FTC! It is FTC report # XXXX. These Experian companies should be fined for allowing invalid records on personal credit reports. I will be suing them for {$1000.00} per inquiry along with the other agencies XXXX and XXXX if these aren't removed by XX/XX/year> as this impacts my existing credit and has already impacted my future to complete my school.

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 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
New Rez account # XXXX XXXX XXXX- they took over my account last summer. XXXX XXXX I made a payment but apparently the payment address for the ACH was changed. I have XXXX  XXXX XXXX ( XXXX ) cancel that payment and reissue to the new address on XX/XX/year>. New Rez said they didn't receive it. XXXX faxed them proof of them cashing the chk on XX/XX/year>. I called yesterday, they confirmed receipt of payment AND DID NOT APPLY IT TO MY ACCOUNT and said their was a ticket opened to find out where my funds had gone. They charged me a late fee!! 
On XXXX XXXX I made my payment- it went to the wrong address - a XXXX mistake. XXXX cancelled that check and reissued an ACH to them on XX/XX/year>. New Rez has still not processed that payment either. 
I have spoken with 10 different supervisors - I can list all the names if needed. Nothing has happened. They never call me, never follow up and I am spending two hours a week trying to get to the bottom of this. 
Are they trying to steal my home from me? I am a senior!! 
Please assist, 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 2024-11-14 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: MS

Complaint narrative:
I am a victim of the Equifax data breach, and several fraudulent accounts were opened or assigned in my name. These accounts include : XXXX XXXX XXXX - Account Ending in XXXX XXXX XXXX XXXX - Account Ending in XXXX XXXX XXXX XXXX - Account for an educational loan with XXXX  XXXX XXXX  ( balance of {$2800.00} ) I did not open or authorize these accounts. As a result, I disputed the accounts with Equifax and requested that they be deleted under 15 U.S. Code 1681c-2, which mandates the removal of accounts resulting from identity theft within 4 days. 

To date, no validation of the debts has been provided by the companies involved, including the required original purchase agreements as per 15 U.S. Code 1692g. These companies have failed to comply with the law, and I am seeking the immediate removal of these accounts from my credit report. 

The actions taken by me : I submitted a formal dispute with Equifax and requested the removal of these fraudulent accounts under 15 U.S. Code 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: MicroBilt / PRBC (formerly CL Verify)
State: MI

Complaint narrative:
On XX/XX/XXXX, I was contacted by a representative of XXXX XXXX XXXX XXXX with an offer for a business working capital loan. During our discussions, I was assured that any assessment would be based exclusively on my businesss revenue and that my personal credit profile would not be impacted. I was specifically informed that submitting an application along with my business bank statements would not result in a hard inquiry on my personal credit report, as this was a XXXX XXXX XXXX ( XXXX ) loan. 

Despite these assurances, I recently discovered an unauthorized hard inquiry from XXXX XXXX XXXX XXXX on my personal credit report. This action was done without my written or verbal consent, which constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). This statute mandates that inquiries into a consumers credit report require permissible purpose, which XXXX XXXX did not have in this instance. The precedent set in XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), further supports that such an unauthorized inquiry is unlawful. 

Based on my experience, it appears that XXXX XXXX  actions were deliberately intended to deter me from exploring other financing options. By creating a hard inquiry on my personal credit, XXXX XXXX not only impacted my credit score but also attempted to restrict my ability to seek and compare other potential offers, thereby pressuring me to accept their terms. This tactic appears to be part of a calculated approach to limit my ability to shop for better options, effectively coercing me toward accepting their offer. 

After discovering the inquiry, I contacted MicroBilt Corporation, the reporting agency, to request that the inquiry be removed. MicroBilt informed me that they were unable to assist and advised me to contact XXXX XXXX directly. When I reached out to XXXX XXXX, I was again told they would not assist and was directed to discuss the matter with the original loan agent. 

At this point, I am left with an unauthorized hard inquiry on my personal credit report and no avenue for resolution. This inquiry negatively affects my credit standing and was done without my consent, likely to limit my choices and compel me toward XXXX XXXX 's offer. I respectfully request CFPB intervention to facilitate the removal of this unauthorized inquiry and to ensure XXXX XXXX XXXX XXXX adheres to FCRA requirements and ethical practices in their dealings with future clients. 

Thank you for your attention to 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 explanation
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief