vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit report regarding my account with XXXX XXXX XXXX XXXX Specifically, I am challenging the claim that my credit card payment due in XX/XX/XXXX was late. According to your records, the alleged amount in question is a minimum payment of {$930.00}. 

Background and Request for Proof I request that you provide me with detailed internal records and documentation to substantiate your claim that my payment was indeed late. Please note that mere statements or summary reports are not sufficient evidence. I am specifically requesting : Internal Payment Records : Documentation showing the date when the payment was due, the date when it was received, and any relevant transaction details. 
Account Statements : Comprehensive statements for XX/XX/XXXX and the preceding and following months to demonstrate the payment history. 
Communication Records : Any correspondence or notices sent to me regarding the alleged late payment. 
Legal Reference In accordance with XXXX XXXX XXXX XXXX  of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), which underscores the necessity for concrete evidence in disputes of this nature, I expect a thorough response to this request. 

Potential Financial Impact Please be aware that if this dispute is not resolved satisfactorily and if the false information remains on my credit report, I will consider initiating arbitration. The potential costs to XXXX XXXX XXXX could include : Arbitration Fees : Approximately XXXX XXXXXXXX {$5000.00}, depending on the complexity of the case. 
Legal Fees : Estimated between XXXX XXXXXXXX {$10000.00} for legal representation and related expenses. 
Potential Settlements or Judgments : Any resulting settlement or judgment could include damages for defamation and statutory penalties, potentially amounting to an additional XXXX XXXXXXXX {$20000.00}. 
Reputation Costs : Negative publicity and damage to your company 's reputation could lead to loss of business and customer trust. 
In total, the financial impact could exceed {$30000.00} if the matter is taken to arbitration and results in a settlement or judgment against your organization. 

Conclusion I request that you provide the requested proof within 30 days of this notice. If you are unable to provide sufficient documentation, please update my credit report to reflect accurate information and remove any erroneous late payment entries.

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 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
We currently have a business checking account with Truist and process our monthly payroll as a recurring ACH payment that goes out on the XXXX of every month. For the month of XXXX, the ACH payment for payroll has been in process since XX/XX/year> and the employees have not received their pay for over 8 days now. 

I originally called Truist on XX/XX/year> and was told to give it 2-3 days for it to process. However, the issue was not resolved. I called back on XX/XX/year> and spoke to a gentleman named XXXX. I received a incident ticket XXXX and was told it should be resolved within 2 business days. The issue STILL has not been resolved. I called on XX/XX/year> and spoke to a gentleman named XXXX was told that the incident ticket was not processed because it was missing information. And now I am being told that there's no time table on when this issue will be resolved.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 those account 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My bank is BMO Harris Corporate office in XXXX XXXX Illinois My HELOC just went into repayment mode. Total borrowed is {$42000.00}. Payback time is 20 years at 9.49 % interest. They say me monthly payment is {$490.00}. If I look up any repayment schedule that has interest compounded daily, my payment should be {$390.00}. I contacted BMO about this matter both in their customer line and local bank. They will not give me any paperwork or figures on how they arrived at their math computations.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-09 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-09 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: NV

Complaint narrative:
I have attempted to resolve this issue by reporting the fraudulent inquiries on my credit report. The unauthorized inquiry has caused me XXXX XXXX XXXX XXXX XXXX As a victim of identity theft, I am not responsible for these inquiries and have suffered due to their presence on my report. If this complaint is not addressed properly, I will pursue legal action. These inaccuracies have prevented me from purchasing my dream car and have impacted my ability to support my family. For your reference, I have attached a copy of the letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NH

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account Name : XXXX Account Number : 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 2024-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received a text message from NewRez, informing me that I haven't made a payment. This infuriated me because I have until the XXXX of each month to make my payment. There have been issues with this company lying on me constantly and reporting my account to the credit bureaus. Their conduct has been unacceptable ; I don't like the way they do business. I have never missed a payment in my life, and I have never been XXXX XXXX XXXX  days late with a payment. I have spoken with a representative regarding my financial situation. I wanted to be able to split my payments up. These people never make proper notations in their system. 

They never send me a letter acknowledging and confirming the payment arrangement that I have with them. Whenever I need to make a payment arrangement with a credit card company, that company would send a letter, confirming the arrangement that they are honoring. NewRez is an awful mortgage company, and I wish it was possible to do some investigation regarding their business practices. Attached are the letters I have sent to NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: GA

Complaint narrative:
I'm writing to discuss my significant worry regarding the challenged records recorded on my credit report. I have as of late drawn these slip-ups out from the shadows and have at least a couple of times referenced a comprehensive assessment. Regardless, no matter what my consistent undertakings, I actually really can't get any objective or therapeutic action. 

These mixed up records are genuinely impacting my credit report and are basically demolishing my ability to have a normal presence. The antagonistic result of these slip-ups has caused colossal challenges for me, and I'm left with no choice aside from to search for your close by assist with rectifying what's going on. 

I empathetically request that you lead a comprehensive assessment concerning the specifying of all of these challenged records. It is essential that the crucial advances are taken to revive and change my credit report right away. With your help, I want to restore the accuracy and uprightness of my credit record, allowing me to recuperate control over my money related success. 

I genuinely request that you offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue quickly would be colossally important. 

Much gratitude to you early on for your appreciation and help.

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 2024-08-09 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: EdFinancial Services
State: TN

Complaint narrative:
My student loan servicer recently changed from XXXX to EDfinancial. I went to my account to check my student loan history and noticed there is a discrepancy in the loan amount I borrowed that is > {$20000.00} more than I actually borrowed. On EDfinancial website 's history, it is noted that on XX/XX/year>, I borrowed {$22000.00}. Then a month later on XX/XX/year>, I again borrowed {$22000.00}. My medical school at that time costs about XXXX per semester. I usually would take out a few XXXX extra for living expenses but not ever take an extra greater XXXX. In addition, my school only award financial aid and take out tuition once per semester. It does not make sense that the school would request for the same amount of tuition twice in XXXX semester and XXXX month apart. I went back to my school 's financial aid history and indeed, there is no records of me taking out a whopping extra XXXX XXXX  that semester. I added all of my loan history together from my school 's financial aid website and the amount did not total any more than $ XXXX. Due to graduating near covid and payment pause, I have accumulated very little interest since graduation. Even on the studentaid 's website, it is listed that I have accumulated around XXXX total interest since graduation. This does not add up to the total on my servicer website which is showing that I currently owe around $ XXXX. I went to the federal student aid 's website to download my student aid data. When downloaded, there is a line that states " XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : {$200000.00}. '' This is closer to the amount I borrowed. But then under this line, it says : " Student Total All Loans Outstanding Principal : {$220000.00} Student Total All Loans Outstanding Interest : {$2800.00} '' Somehow, an extra XXXX borrowed appeared out of nowhere in the total. Even accounting for my graduate plus loand and my accumulated interest, it still does not equal this new " total '' amount. In summary, I have checked this information with my school 's financial aid website history, my bank history, and even the federal student aid downloaded data. This does not add up with the amount they are saying that I owe. I have called both federal student aid and also EDfinancial to fix this discrepancy. Both sides kept blaming the other and telling me that it's the other side 's job to fix it or investigate it. Nothing has been done so far. This is a large amount to have a discrepancy and if my interest accumulates in the future, this incorrect amount will be what my interest will be calculated from. This is a huge mistake and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: PA

Complaint narrative:
Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Ref. Number XXXX - XXXX XXXX Dear Stillman Law Office, I am writing in response to your letter regarding the above-referenced matter. However, I am disputing this collection for the following reasons : The legal services provided by XXXX XXXX were rendered to XXXX & XXXX XXXX XXXX, not to me personally. 
The owner of XXXX XXXX Firm did not provide adequate representation as per the terms of the contract.for XXXX XXXX XXXX  I disagree with the unprofessional services provided by XXXX XXXX. 
Therefore, I request that this collection be removed from my personal name. Additionally, I ask that you notify all credit reporting agencies of this correction. 
Please be advised that if this collection remains on my credit report after XX/XX/year>, I may pursue legal action to protect my personal credit. 
I hope this matter can be resolved in a professional and timely manner. You may reach me via email at XXXX. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Under 15 USC 1692 ( c ) that law clearly states that, if a consumer notifies a debt collector, that the consumer refuses to pay a debt, that collector must cease all communications with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-08-09 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: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am seeing inaccurate information from my report and i want it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Good day, please take this complaint seriously - can't stress enough how frustrated I am and how distressful writing this is. Upon checking of my credit report, it has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing down on me and is continuing to affect me negatively in ways you can not begin to imagine.

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