vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: SC

Complaint narrative:
Contract Callers , Inc has listed a collection on my credit report regarding the amount of {$160.00}. Please be advised that Contract callers HAD NO RIGHT to list the collection on my credit report because they have never spoken or sent me a debt validation letter. I have not received any noticed stating the debt that I owed with the date form the debt and who the original debt collector was. 
I believe that this third-party debt collector has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ). The law that was broken from Contract Callers is : Section 807 ( 15 U.S.C. 1692e ) : Prohibits false or misleading representations, including the reporting of false information to credit reporting agencies.

Section 808 ( 15 U.S.C. 1692f ) : Prohibits unfair practices, which can include reporting information without proper investigation or verification. 
THIS IS AGAISNT THE LAW I WANT THIS REMOVED FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, has violate my rights 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: MO

Complaint narrative:
This account was closed XX/XX/2023, but is constantly updating as if it is still active and open. This is not fair and it is impacting my approval odds for a house, i feel it is only fair to remove this account from my report there since nothing else is seeming to work in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This account was closed XX/XX/year>, but is constantly updating as if it is still active and open. This is not fair and it is impacting my approval odds for a house, i feel it is only fair to remove this account from my report there since nothing else is seeming to work in my favor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FL

Complaint narrative:
I made a second payment on XX/XX/year>24 of {$10000.00}, first of the new Mohela platform which I haven't received credit for. However, I did get a confirmation # XXXX after a few calls later. Which now they can't find the payment. It was directed to come off loan # XXXX. I have the trace # from my bank that it was successful. The funds did not go back to my bank or school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
You attorney XXXX XXXX is lying, I never shouted on her. 

I can go through a lie detector test. 

This is absolute XXXX  and nothing else. 

I do not know being an attorney, how she has an audacity to lie. 

I would request you to change the law firm, so that this matter is handled in a better and efficient manner,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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:
Equifax and XXXX are still reporting that this credit card belongs to me. I thought we had successfully ended this the last time I reported it. It was removed and I had received a letter in the mail from XXXX stating that they had no record of me on file, Equifax removed it for a long while after that. Yet I go checking my credit report today and lo and behold it's back! I'm not sure how they can claim I'm a unauthorized third party now, and claim that I owe them a debt for a credit card that I was only a authorized user of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: IN

Complaint narrative:
I did not authorized for my credit to be ran through these companies. Please remove these hard remarks from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: IN

Complaint narrative:
I did not authorized for my credit to be ran through these companies. Please remove these hard remarks from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. It was open fraudulently. 

It is on all three bureaus : XXXX, Equifax, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. It was open fraudulently. 

It is on all three bureaus : XXXX, XXXX, and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
I received a title loan from Loanmart on XX/XX/XXXX. I received my first one from them in XX/XX/XXXX. My car was stolen on XX/XX/XXXX. I emailed LoanMart on XX/XX/XXXX and they told me I needed to call on XX/XX/XXXX. I called on XX/XX/XXXX and was transferred to the insurance department for Loanmart to leave a voicemail because they were closed. Their insurance company called me on XX/XX/XXXX to discuss the car and i told them my insurance company and the police told me to inform them that the car was stolen. They gave me a police report number, and I emailed them the webpage showing the report was in process. On XX/XX/XXXX, the rental i had was totaled by a drunk driver and the deductible depleted all my funds. Loanmart called me on XX/XX/XXXX in reference to a payment and i told them the car was stolen and I was waiting for it to be returned. and I have no money due to paying the deductible for the rental, my mortgage, my XXXX bill, and other bills. I explained that there was no way I could make a payment and I had already spoken to their insurance, who told me to send a report and the claim, which I emailed to their customer service email address. I will also send them a hard copy. I was then threatened that if I didn't make a payment, I would suffer the consequences because my payment is late as of XX/XX/XXXX. I am not sure what I can do right now due to everything I am experiencing days apart from each incident. My car is a XXXX and their is currently a high crime rate of these cars being stolen at this time. I feel that LoanMart is a predatory lender and they really don't care what financial hardship a customer is going through. The woman hit my car and had no insurance or license, totaled my car and XXXX others and left the scene. The young men who stole my car have not been caught. Its a lot to deal with financially, emotionally, and mentally, and LoanMart reps are calling me, threatening me, and being disrespectful. As though what I am dealing with isn't enough to bear at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I opened a total checking account at the chase branch in XXXX and was told I could overdraft my account as opposed to my current account which was secured banking. I just got off the phone with customer support and they told me the system dictates weather or now Im allowed to overdraft my account or not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
These credit reporting organizations have not respected my disputes and are in violation of FCRA rules. Under 15 U.S.C. Section 1681i ( 6 ). They have not supplied me with written results of their inquiry or a statement stating that the reinvestigation process has been completed. That should have been sent 5 business days after the investigation concluded. It's been almost 45 days since I voiced these concerns, and I have yet to get any such notice or comment from their agency. This is when the law, namely 15 US Code 1681i ( 6 ), comes into play, and they are required to follow it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank did not request the approval of the attorney invoices before Honorable Judge XXXX. 

The judge did not approve additional invoices for payment and dismissed the case with prejudice. 

After Honorable Judge XXXX Dismissed the Foreclosure case XX/XX/year>. Fifth Third Bank added a Foreclosure fee of {$1700.00}. 

I do not believe this fee is invalid and I should not have to pay it. 

Adding the fee pushes me back to my mortgage being past due. 

I do not have {$2800.00}. I have written a letter to the bank, and now the bank has collections calling my cellphone. 

I wrote a letter to the bank and no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FL

Complaint narrative:
XX/XX/year>2024, I have requested online from all three credit reporting agencies ( XXXX, and Experian ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the U.S. Post office, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent certified letters to each credit reporting agencies ( XXXX, and Experian ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( XXXX, and Experian ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my updated credit report, my old addresses are still appearing on my credit reports. 

As of XXXX XXXX, I have not received anything from XXXX. From Experian, I received a report # XXXX, report # XXXX, report # XXXX ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) these reports back to back is stating they have updated my current address but have not removed undeliverable address after sending them a copy of my drivers license, SSN, and a bill a total of XXXX times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Stated in the recent response document that they applied the net proceeds in my contract agreement to the principal balance according to my credit report from XXXX the balance remained was XXXX $ in a positive balance I know I gave the proceeds and security interest away in the agreement so Im requesting answers to why wasnt the securities interest applied to my principal balance on behalf of my principal XXXX XXXX contract agreement? 
And question 2 is how much was the net proceeds amount? And how much was the security interest in the original contract and how much was applied towards my principal balance I am requesting a copy of my original agreement with my wet ink signature and the net proceeds receipts showing they were applied to my contract principal balance thank you. 
Signature XXXX XXXX beneficiary XXXX/2024XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CapitalOne closed my credit card after XXXXdays of missed payments then proceeded to continue to charge the credit card interest and fees for XXXX months  after closure. My limit on the card was {$7500.00} which had not been exceeded before the company closed the account. After closing the account, an additional {$3000.00} dollars in interest and fees was applied to the outstanding balance and reported to the credit bureau as the amount owed. They also reported this amount on my spouses credit report when her name is not included on the account. I am going to seek legal action against capital one as after calling them multiple times, the customer service folks laughed in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
15 usc 1666b clearly states.

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 information in section 1637b needed to be mailed to me within 21 days which never happened.

Basis of Dispute : 1. Timely Notice : The information in section 1637b was not mailed to me within 21 days.

2. Billing Error : According to 15 U.S.C. 1666 ( b ), I am entitled to dispute billing errors, including charges for which I am not responsible.

3. Disclosure Requirements : Under 15 U.S.C. 1637 ( b ), creditors are required to provide clear and accurate disclosures of finance charges, including late fees. I assert that the late payment fee applied does not meet these requirements due to the timely nature of my payment.

I would like a written confirmation that the late payment charge has been removed from my account.

Please acknowledge receipt of this dispute within the time frame required by law and inform me of the results of your investigation. I appreciate your prompt attention to this matter and expect a resolution within the timeframe outlined by the Fair Credit Billing Act. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted several disputes by mail and have yet to receive any response or update to my credit reports. My disputes have not been investigated but constantly ignored and this is problematic. I have called by phone and still have not been helped properly. I am a victim of ID theft and not one of these companies have assisted me throughout my process that began over sixty days ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: LA

Complaint narrative:
I have unauthorized accounts reporting on my credit report that I have no knowledge of.I have filed an ftc with experian, XXXX, and XXXX and need these removes from my report as soon as possible.I feel as if I am being taken advantage of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NC

Complaint narrative:
I make the following claim to request the elimination of the following events that were published in my credit reports without my authorization and that impactfully affects the acquisition of assets and benefits for my family and myself. 
Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-13 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]

Company response to consumer: Closed with explanation