vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have been a victim of identity theft for a couple years. I have had my identity stolen and there have been fraudulent items reporting to my credit that do not belong to me NAVY FEDERAL CR UN ( Account Number XXXX ), Balance {$8000.00}. Upon receiving your communication dated [ XXXX ], I was taken aback by your attempt to collect this debt via email. It has come to my attention that this action violates the Fair Debt Collection Practices Act ( FDCPA ), specifically Secction 805 ( 2 ) ( b ), which prohibits from communicating with consumers through means known or should be known to be inconvenient. Email communication for debt collection purposes falls under this category, as it is intrusive and lacks the necessary privacy afforded by other forms of communication. 
Your attempt to collect a debt via email has caused me undue distress and is a clear violation of my rights as a consumer under federal law. Therefore, I am hereby demanding the following remedies and compensation for the damages incurred : 1.Immidiate Cease of reporting this alleged debt to any Credit Reporting Agency 2 . Immediate cessation of all further communication regarding the alleged debt via email.

3. A formal apology from NAVY FEDERAL CR UNION for the violation of my rights under the FDCPA.

4. Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 5. Reimbursement of any legal fees incurred in addressing this matter. On XXXX XXXX XXXX NAVY FEDERAL CR UNION contacted me via email on an attempt to collect a debt. Below I have an attached my FTC report as well as NAVY FEDERAL CR UNION email attempt to collect a debt that does not belong to me. ( Please See Attachments )!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I made XXXX advance payments of {$3200.00} towards the principal of my vehicle loan. This payments were intended to reduce the principal balance and, consequently, the amount of interest and future monthly payments. However, despite this advance payment, Santander Consumer USA has decided to charge me the same monthly installment amount along with the same number of months as before the advance payment was made. 

I believe this practice is unfair and deceptive, as it fails to reflect the financial impact of the advance payment made towards the loan. According to my understanding, advance payments should either reduce the principal balance, resulting in lower future payments or shorten the loan term, depending on the terms of the agreement. In my case, neither of these adjustments seems to have been made. A representative from Santander told me that this type of information is not disclosed to consumers and the best to do is to keep paying and they will let me know when to stop when the loan has been satisfied as their discretion. 

I have contacted Santander Consumer USA customer service multiple times to address this issue, but I have not received a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I had an unauthorized payment for the full balance of the credit card I have with XXXX XXXX  {$3900.00} pull on XX/XX/24. When I called and told them we needed the funds send back because it was unauthorized they said they have no way to send wires or ACH and that we would have to wait XXXX business days then call back and ask for a refund and the only way the could send funds back was with a check through XXXX. XXXX gave no other options of returning the fund that have drained my account. I have now called my back to dispute the charges coming from my account.

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 2024-06-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Hello, I Have settled this bill under the name of XXXX XXXX ( my mother ) who sadly passed away last XXXX. 
I contacted XXXX and was directed to their company location on XXXX to finalise and close the account in person while returning all equipment. we returned all the equipment asked and was assured the account t had been closed. 
I asked for printed verification to which the sales rep had told me no she can not do that. we were met with such disgusting attitude and rudeness we actually decided to sign up with a new company due to the sales lady attitude. 

This account has been closed and as I mentioned the account holder ( my mother ) has passed away. I personally returned all the equipment and drove all the way to the companies location to assure this had been taken care of and I keep receiving these bill collections letters for various random amounts, this is ridiculous and I suggest you contact XXXX to verify this information. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-06-14 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 explanation
Consumer complaint received 2024-06-14 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: PA

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-14 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 non-monetary relief
Consumer complaint received 2024-06-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: FL

Complaint narrative:
As dated XXXX XXXX XXXX TransUnion, reporting inaccurate, incomplete, information on my consumer report, and in accordance with the Fair Credit Reporting Act ( FCRA ) section 1681i consumer reporting agency ( TransUnion ) shall DELETE this inaccurate or incomplete information from my consumer report. Thank you, best regards, XXXX XXXX XXXX. All Rights Reserved UCC 1-308.

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 2024-06-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: TOWNE MORTGAGE COMPANY
State: PA

Complaint narrative:
My mortgage was originally {$1900.00}, however it increased around last XXXX to about {$2300.00} and now it is {$2100.00}. I was told that the increase was to satisfy my property taxes that I have a tax abatement for. I have been paying an additional XXXX XXXX in my mortgage without explanation for over a year. I contacted the mortgage company via email and their response was about the taxes however I can see that my property taxes are {$900.00} there is no reason why this amount is continuously coming out, {$900.00} would be satisfied in a 3 months not the entire year. I have called and sent emails to get further clarification and no one wants to provide me with an answer as to why I have had to pay additional fees. When I call, they have no answers and when I email they do not respond. 

They have also banned me from paying online. I have been with this company since my mortgage was sold in 2021, it has been extremely problematic and inconvenient. They don't respond to emails and when you are on a call you get conflicting information depending on which rep you are speaking to. I pay on time all the time. They were claiming to draft payments on specific dates but they wouldn't and it would XXXX up my banking and how I have my bills scheduled. I sent them a cashiers check as they demanded and then they told me they applied my payment to the wrong loan but have resolved the issue. I get a notification from all of my credit apps saying that my credit had dropped XXXX points. After they applied my payment to the wrong loan they decided to put a late payment on my credit report. No resolution at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: IL

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 non-monetary relief
Consumer complaint received 2024-06-15 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: IL

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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: MA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: NV

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, {$440.00} This Account is not mind, ID Theft

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 2024-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
I have called multiple times, they said they were researching and sent me a digital letter back in XXXX, letter pasted below, clearly it's been over 30 days and there has been no communication since and still haven't received anything. They were great to deal with until the mortgage was paid, now can't even get to anyone, had to call end and act like I wanted a new line just to speak with someone, multiple times. Most said they couldn't help then XXXX transferred me and that is what prompted the letter below, which as previously stated, they didn't even abide by the rules set forth in the letter below, referencing the RESPA. 

We received your inquiry on XX/XX/year>, regarding your loan. 
In accordance with the Real Estate Settlement Procedures Act ( RESPA ), a response will be provided within XXXX business days from the receipt of your inquiry unless we notify you of a 15 day extension prior to the expiration of that 30 day period. However, responses are generally provided in less than XXXX ( XXXX ) days from receipt of the correspondence. 
Please note that during the investigation and resolution of your inquiry, written correspondence, such as billing statements and mandatory state preforeclosure notices, may continue. 
We appreciate you bringing this matter to our attention. 
We hope this information is helpful. If we can be of further assistance with this request, you can email us at XXXX. You can also sign in to XXXX, where our automated chat is available XXXX or you can chat with a live agent during office hours. You can also contact our Customer Service Department at XXXX or via mail at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Our hours of operation are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, Mr. Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: MA

Complaint narrative:
I started disouting by credit agencies as the creditor said to dispute it with them then I found out I was suooised to disputed with them never got anywhere XXXX months gone and for nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: MA

Complaint narrative:
I started disouting by credit agencies as the creditor said to dispute it with them then I found out I was suooised to disputed with them never got anywhere XXXX months gone and for nothing

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