vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
I am disputing the XXXX late payment reported on my federal XXXX loan XXXX Heartland ECSI failed to notify me of the loan transfer to the Department of Education, violating federal requirements. My deferment was active during this period, making the late payment reporting inaccurate and unjust. 
As a borrower working hard to rebuild my credit, I am disheartened by Heartland ECSIs actions, which violate several federal and state laws : XXXX. Higher Education Act ( HEA ) : Heartland ECSI failed to provide the required written notice of the loan transfer within the mandated timeframe, denying me the opportunity to address any servicing changes. 
XXXX. Fair Credit Reporting Act ( FCRA ) : Reporting a XXXX late payment during an active deferment period constitutes inaccurate reporting, which is prohibited under the FCRA. Additionally, any failure to properly investigate this dispute would further violate the FCRA. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : If Heartland ECSI attempted to collect payments or assess penalties during my deferment period, it constitutes an unfair and deceptive practice under the FDCPA. 
XXXX. State Consumer Protection Laws : These actions may also violate state laws designed to protect consumers from unfair and deceptive practices, such as misrepresentation of loan terms or amounts owed. 
XXXX. Breach of Loan Servicing Agreements : Heartland ECSIs failure to properly manage my deferment and notify me of the loan transfer may breach their contractual obligations as a federal loan servicer. 
Furthermore, Heartland ECSI recently settled a class-action lawsuit ( XXXX XXXX XXXX. v. XXXX XXXX XXXX XXXX XXXX ) for {$3.00} XXXX regarding their unlawful " pay-to-pay '' fees, which demonstrates a concerning pattern of non-compliance that directly affects me. 
I have been working so hard on my credit and was finally on the uptrend until I was BLINDSIDED by a company I am supposed to trust to abide by their laws and regulations. I am ON TIME with all my other federal loans, so how did I happen to be late on these ones from this " company ''. 

Futhermore, I was only notified of this huge change AFTER it happened. According to the department of education, this loan was sold on XX/XX/year>. I was notified AFTER XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2024-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
I was denied a loan by OneMain on XX/XX/2024. I never received my denial letter through the mail stating why I was denied. I only received a email on XX/XX/2024 telling me I was denied but not given the reason why. I call OneMain Financial multiple times asking them to send my denial letter stating the reason why I got denied and they still haven't mail it. I called multiple times and even sent a email and still no response. They told me multiple times that its against the law to send denial letter through email they have to mail it. So where's my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

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 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 2024-12-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Open Late 120 Days XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$4.00} Charge-off XXXX XXXX  XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$870.00} Collection XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX  Account Number XXXX Date Opened XXXX XXXX XXXX XXXX Balance : {$0.00} Collection XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$250.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
Receive repeated daily phone calls from Sunrise Credit Services asking " if this is XXXX XXXX please press XXXX '' over and over again. The caller also advises that we should call XXXX. The message is a recorded message. 

This call is automated and comes in daily between XXXX XXXX and XXXX XXXX  XXXX. 
These calls started on XX/XX/year>. 

We received these calls on : XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX   XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXXXXXX XXXX XXXXXX/XX/year> from XXXX at XXXXXXXX XXXX XXXXXX/XX/year> from XXXX at XXXXXXXX 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 2024-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This debt has damaged my credit. I been homeless over a year because this debt is listed. I spoke to the collection agency about this debt & asked for way to get this off. They advised me that the only way this debt could be removed is paying XXXX .

We were never evicted & lived out our 6 month lease. In this apartment we stayed 4 years. Normal wear and tear was done in the apartment. They also told me on year 4 they will not renew my lease because my finance at the time was my boyfriend they felt as if we didn't need to live together any more. This was a frustrating time for me because this was the end of the pandemic & all resources was tight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 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 2024-12-14 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX 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 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 XXXX 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 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have called by phone and closed my american express account on XX/XX/year> as a late fee of XXXX dollars was applied to a charge on a purchase for the amount of {$17.00}. i asked at this time if the fee could be waved because the mail was not delivered in a timely .mannner .American express declined so i closed the account. 

the following months they addded an additional late fees OF {$40.00} dollars each month i had called a second time and told them i was willing to pay the original {$40.00} dollar late to resolve this issue but they said i must pay the fill {$80.00} dollar amount of late fees and it will affect your credit. i expressed that this is like your extorting money in late fee and i refused to pay. 
on XX/XX/year> they tell me XXXX XXXX XXXX card ending has been canceled because it was past due american express has reported this credit agencies where my credit rating has been damaged and continues to send monthly statements adding {$40.00} plus interest per month Currently a XXXX bill has arrived has arrived on they have accessed over {$250.00} dollars in late fees which is Due on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: EdFinancial Services
State: AR

Complaint narrative:
Just seen through XXXX credit report that Edfinancial Loans has it now and I don't know who to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This is prior to the last attacment but I did not receive this information from actual FTC but legal aid through federal lawyer. So as it was prior but not readily available to send to the companies XXXX which asked to call but not able to do much again repeated last so that is past my control as well. Trans Union is working and in progress again this was prior for trans union but no it is unrealistic to keep sending same items to do anything if there is nothing to show or for me myself to compare or look up. 
XXXX I did have the data breech information in prior to the apparent cut off date. But unbiased still the most difficult to work with. So except for XXXX they do need to put forth a little more effort. But I am still behind if the other two need info if I do not have it to supply from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
This is prior to the last attacment but I did not receive this information from actual FTC but legal aid through federal lawyer. So as it was prior but not readily available to send to the companies XXXX which asked to call but not able to do much again repeated last so that is past my control as well. XXXX XXXX is working and in progress again this was prior for XXXX XXXX but no it is unrealistic to keep sending same items to do anything if there is nothing to show or for me myself to compare or look up. 
Equifax I did have the data breech information in prior to the apparent cut off date. But unbiased still the most difficult to work with. So except for equifax they do need to put forth a little more effort. But I am still behind if the other two need info if I do not have it to supply from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Changes were made to account on fees. Supposedly one email was sent on fee changes. Card holder agreement that is readily available on account to download states the fees of {$49.00} but it is now {$79.00}. There was no other information on online account stating changes. Only one email. Like I stated early I can go online and view my card holder agreement and it still stipulates. {$49.00} not XXXX company refuses they are in the wrong. Correct Information on account fees needs to be readily available to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXX 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 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