vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in 60 days to be removed. 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. XXXX XXXX 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 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! Delete the late payments from my consumer reports 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 2024-08-30 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: PA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-08-30 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: MOHELA
State: KS

Complaint narrative:
On XXXX XXXX I noticedon my XXXX XXXX  accountthatI was charged both {$190.00} and {$360.00} with description '' DEPT EDUCATION. '' I made {$180.00} for XXXX payment but *not* a {$360.00} payment. 
I immediatelycalled MOHELA. 
I was told that on their end the {$360.00} was still pending. I explained that I did not make a payment of {$360.00} becauseon XX/XX/XXXX, I called to confirm that my new payment is now {$190.00}. MOHELA was able to stop the payment of {$360.00}. But my bank statementas of XX/XX/XXXX, does not show a refund. 
On XX/XX/year> I noticed on my XXXX XXXX  Statement that I was double charged {$360.00} both on XXXX XXXX XXXX of XXXX immediatelycalled MOHELA.It was explained to me that I would receivea refund of {$730.00} for the double charge made XX/XX/XXXX and XX/XX/XXXX. I am still waitingto receivethat refund. 
On XX/XX/XXXX, I was told that I " should '' receivethe refund on XX/XX/XXXX for the {$360.00} taken out of my account on XXXX. I have not receivednotice on my XXXX XXXX  statement of a refund. I was also told on XX/XX/XXXX, that I " should '' receivemy refund of {$730.00} on XX/XX/XXXX. I was directed to call MOHELA on XX/XX/XXXX if I do not receivemy refund. 
It was explained to me that my case is now being investigated on their end.I asked for confirmation # for my expected refunds : XXXX XXXX XXXX XXXX I was told that accounting is behind and that my process will be a " waiting game '' and call for an update by XX/XX/XXXX. I will be doing so especially if I do not see a refund with the maybe-dates they provided. 
I was also told not to schedule advancepayments. I was reminded that I don't have to make payments at this time. I responded that it is my choice to continue to make payments or not. I choose to make a {$190.00} payment. 
I kept asking them, " How is it possible that MOHELA is able to take money out of my account without my authorization? I made a {$190.00} payment on XX/XX/XXXX, but not {$360.00}. How is your institution able to automatically take payments out of my account when I have not set up auto pay. '' They could not provide an answer. They only told me this case will be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Fortiva, a financial services provider, for their ongoing failure to correct inaccurate information they have reported to the credit bureaus regarding my account ( Account ending in XXXX ). 

Since XX/XX/XXXX, I have been in contact with Fortiva regarding discrepancies in my credit report. Despite multiple communications and confirmations from Fortiva that my payment history is clean and reflects no late payments, all three major credit bureaus ( XXXX, XXXX, and XXXX ) continue to report erroneous late payments. These inaccuracies are negatively impacting my credit score and are severely hindering my ability to secure a mortgage. 

Here is a summary of the situation : - On multiple occasions, Fortiva has confirmed that their records show no late payments on my account. Despite this, the credit bureaus are reporting the following inaccuracies : - Experian : XXXX late payment - XX/XX/XXXX- XXXX : XXXX late payment - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX late XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- I have repeatedly requested Fortiva to correct these inaccuracies with the credit bureaus, but they have failed to do so. Most recently, on XX/XX/XXXX, Fortiva responded that they do not find any errors on their part and are unable to change the credit reporting. 

This failure to correct the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, Fortiva is obligated not to furnish information to credit bureaus if they know or have reasonable cause to believe that the information is inaccurate. Additionally, Section 623 ( a ) ( 2 ) requires that they promptly correct and update information to ensure its accuracy. 

Given Fortiva 's refusal to correct these errors despite being aware of them, I believe that their actions are not only negligent but also in direct violation of federal law. This has caused significant harm to my credit standing and has placed undue stress on my financial situation. 

I respectfully request that the CFPB intervene in this matter to compel Fortiva to correct the inaccurate information they have reported to the credit bureaus. I would also like to request an investigation into Fortiva 's practices regarding credit reporting to ensure compliance with the FCRA. 

Please find attached copies of my correspondence with Fortiva and screenshots of the incorrect credit report entries for your review. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue and protecting my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CADENCE BANK
State: GA

Complaint narrative:
I was approved for a land loan on Thursday, XX/XX/year>. My banker, XXXX XXXX, sent me a screenshot of the approval via text message. However, on Monday, XX/XX/year>, XXXX XXXX called to inform me that the underwriter had declined my loan, and she was unsure of the reason. Since then, I have been trying to reach out to XXXX XXXX, only to be informed that she is no longer with the bank. 

I was referred to XXXX XXXX due to her outstanding reputation for assisting customers with loans. I have been engaged in this process for over three months, and when XXXX XXXX secured my approval, she was even more excited than I was. On Monday afternoon, she expressed significant disappointment when she informed me of the loan decline. She also mentioned that she had the ability to secure XXXX XXXX financing for my land purchase, a possibility she described as an exception to the bank 's policy. This policy, as she previously explained, allowed for XXXX XXXX financing if the purchase was from someone with whom the buyer had a personal relationship or family ties, without requiring exceptions. 

Additionally, XXXX XXXX shared with me that she felt other Branch Managers were not facing the same challenges she encountered, and even suggested handing my case to another Branch Manager to avoid what she believed was a pattern of discriminatory treatment toward certain customers. I declined her offer at the time. 

Given that my loan was unexpectedly declined after initial approval, I am now concerned that this decision may have been influenced by factors related to my race. I would like to request a clear explanation for why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> 2023

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 2024-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Resurgent Capital Services Address : XXXX XXXX place XXXX XXXX XXXX, SC XXXX. ( XXXX XXXX XXXX XXXX, SC XXXX ) Account number : XXXX NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Dear Resurgent Capital Services I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2024 i requested a refund from a company Ive done business with using my paypal debit card. The company sent this refund to my original payment method which was my PayPal debit card. Upon receiving the refund showing in transaction history hours passed and it still wasnt released so I called PayPal upset but not disrespectful wondering what was the hold up this time as Ive been down this road with the company before all of a sudden I need account verification and a million other hoops need to be jumped through in order to recieve my money!!! When I use my debit card there arent any hoops to jump thru but upon receiving a refund I cant simply have my money sent back to the original payment method. Now they are sitting on my money awaiting me to send them banking details I have no bank or apply for credit with them I have no creditworthiness with them so Im stuck without my money not our money my money!!! The same money thats easily verifiable through my transaction history 2 parties involved this money is easily traceable yet there needs to be all these excuses as to why it cant simply be refunded to the original payment method. I am beyond upset as this is my money. Again it isnt our money I just want whats mine and I shouldnt have to fight and get my XXXX XXXX all raised because they want to play around with peoples livelihood I am a hard working consumer I need my money and not to be messed around with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: IL

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: IL

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I initiated wire transfer to purchase a home. However, my account is locked and no XXXX is provided when I can get my account unlocked and when my wire transfer will be accomplished.

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 2024-08-30 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: MI

Complaint narrative:
XXXX XXXX, I noticed {$150.00} membership fee on my Delta Gold Card which I have never seen before and have only had the card for 2 years. I went online and did a chat regarding the excessively High membership fee and suggested there really wasn't a value for such a high cost, which there is not. I asked to have the amount reversed so I could resume being a customer but they said they could not. Delta chat supervisor suggested that I could open a new card and have all but one month reversed.I told them that I at this point I do not trust them because of this hidden membership fee which has never been clear on the billing statement. I'm complaining as they will not reverse the {$150.00} fee So I can cancel this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation