vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I received a demand letter for {$1800.00} owing for XXXX XXXX. This was incorrect as my medical bill was paid in full. I have the billing from the hospital and it shows that my bill was paid in full. This was just sent to the collection agency whom you have already sued for illegal practices. I am XXXX anf if this is not elderly abuse then nothing is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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:
I don't recognize these addresses please remove thank you. God Bless you and happy holidays. 
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 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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding Ally Bank and their handling of my debit card during a recent name change process. Their actions have left me without access to my primary means of payment for over seven business days, which I believe constitutes unacceptable business practices. 

Here is a summary of the issue : On XX/XX/year>, Ally Bank informed me that my debit card had been canceled as part of updating my account with my new last name. This cancellation was done without prior notification or consent. 

I only became aware that the card had been canceled after attempting to use it at a store and contacting Ally Bank to find out why it wasnt working. 

I was informed that a new debit card was " produced '' on XX/XX/XXXX, but as of today, XX/XX/year>, I have not received it. 

During this time, I have contacted Ally Bank on four separate occasions to seek assistance. Each time, I received no meaningful support or resolution. I have been left without a functioning debit card or any reasonable alternative for accessing my funds. 

The lack of communication, failure to provide timely access to my funds, and insufficient customer support are deeply troubling. Such practices create unnecessary hardship and inconvenience for customers and undermine trust in the financial system. 

I am seeking your guidance and intervention to ensure that Ally Bank is held accountable for this incident and to encourage them to improve their processes for notifying and supporting customers. Additionally, I request that they : 1. Expedite the delivery of my new debit card.

2. Provide a full explanation of why this issue occurred.

3. Take measures to prevent similar incidents from happening to other customers in the future. 

I appreciate your attention to this matter and look forward to your response. If further information or documentation is needed, please feel free to contact 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 2024-12-03 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-03 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: WI

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XXXX Amount : {$4200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CT

Complaint narrative:
On XX/XX/year>, I received a Notice of Cancellation letter from XXXX XXXX XXXX XXXX. I called them up to find out why did I receive this letter when my lender ( AmeriNat ) was supposed to pay the bill which included my taxes & insurance for my monthly mortgage. XXXX stated that they sent them a bill in XXXX and XX/XX/year>, but they didn't receive any payment from my lender ( XXXX ) which was supposed to already be paid by XX/XX/year> but they also gave me an extension until XX/XX/year>. 

I called my lender the next day ( XX/XX/year> ) at XXXX while I was on the phone with XXXX for a conference call to find out why my lender didn't pay the bill. They explained that they didn't get the PDF from XXXX, but the lady on the phone with XXXX said she sent it. While we were all on a conference call, XXXX said she was resending the PDF through the portal and my lender told me to stay on the phone until the PDF came through so I did. My lender told me that the PDF came through, and she was pushing the button to pay the balance of {$4000.00} to XXXX and that was on XX/XX/year>. 

On XX/XX/year> at XXXX, my agent from XXXX XXXX XXXX XXXX XXXX me to tell me that he had bad news that XXXX XXXX cancelled my house insurance due to my lender. The agent said my lender sent them a check which was received on XX/XX/year>, but it was supposed to be paid by XX/XX/year>. But, I explained to my agent that my lender paid through the PDF on XX/XX/year> while I was on the conference call. 

So, my agent called XXXX to make sure that AmeriNat sent a check, but I told him that they couldn't have sent a check because I was on the phone while the lady told me she was paying it through PDF on XX/XX/year>. My agent called up my lender and told them that they were responsible for my cancellation for my house insurance. My lender told my agent that they would cover me until I found new insurance and they said they weren't going to charge me. But, I received a letter stating that I had to pay. I addressed the issue with my lender, but they said it was a mistake and they would still cover me with no charge. 

I was very upset so I told my lender that I was going to Neighborhood Housing to discuss my situation about them ( AmeriNat ). My lender felt bad and explained to me that it wasn't their fault because they declared they didn't have XXXX address, which wasn't true because I have been with XXXX for 6 years. I told them if they didn't have the address, how did XXXX receive the check. And my lender was speechless. 

Finally, I got in contact with my lender 's manager who is in charge of the taxes and insurance. I told the manager when the check comes from XXXX to me, I was going to purchase my own house insurance with the check. And he said it was fine. But, I am still upset because I feel like the issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NM

Complaint narrative:
Aragon Agency inc, file number XXXX for the amount of {$690.00} under debt validation according to 15 usc-1692 I requested a detailed list of history payments made by me on this account. I wanted to see a signature that I put on a contract guarantee that I would pay this creditor. I asked to see has there been any insurance claim filed on this debt, and I wont proof that they have a chain of title to collect on his debt

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

Bank of America XXXX XXXX XXXXXXXX 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 2024-12-03 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:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-03 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX 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 XXXXXX/XX/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 2024-12-03 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-03 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
on XX/XX/year> i transferred all my digital currency from Binance to Binance US as there policy gave all U.S customers a deadline to transfer as Binance was not servicing U.S customers anymore. After my transfer i realized the currency did not show up in my Binance US account. I submitted a ticket with Binance US and no response for several months. I Also reached out to Binance and they told me to reach out to Binance US, please review snapshot. After reading forums online, alot of customers are also facing this issue inwhich is a scam. Please help me as i need to recover my digital currency. The currency as gone up in price and i have lost profits for the past 3 years now. PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: KS

Complaint narrative:
MOHELA notified me this summer that due to a court injunction on the new SAVE repayment plan that my loan was under, my loan would be placed in a zero interest forbearance until the issue can be resolved. It has not yet been resolved, but I received a notice yesterday " reminding '' me that interest can still accrue during forbearance. Looking at my account I now see interest accrued, despite still showing a 0 % interest rate, and no other notification other than this " reminder '' that just came yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
It is my personal statement that the inquiries that I have listed are a result of identity theft and need to be deleted pursuant to 15 USC 1681c-2 on clear grounds of identity theft. Also, pursuant to 15 USC 1681e ( b ) update my personal information to reflect accurate records See Attached Identity Theft 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 2024-12-03 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: IL

Complaint narrative:
It is my personal statement that the inquiries that I have listed are a result of identity theft and need to be deleted pursuant to 15 USC 1681c-2 on clear grounds of identity theft. Also, pursuant to 15 USC 1681e ( b ) update my personal information to reflect accurate records See Attached Identity Theft 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 2024-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: MI

Complaint narrative:
Company charging interest rate of 705.8179 % for a loan of XXXX dollars. 
3. INTEREST : Interest accrues on the unpaid principal balance of your loan beginning on the Agreement Date stated above and continuing until your loan is repaid in full. You will pay interest at a yearly rate of 705.8179 %. We calculate interest on a daily basis based on actual days elapsed and a year of soo/soo days. Interest at tnis fate will continue to accrue alter any delault, at our discretion

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 2024-12-03 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: NV

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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