vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I was sent a letter on XX/XX/2023 from an attorney stating my loan was delinquent and has been accelerated for entire unpaid balance. I sent a letter back on XX/XX/2023 for validation of amount owed. 

I have not received any validation information back yet as of XX/XX/2023, but keep receiving emails that they are trying to contact me. The amount that is assumed is the amount that would be on time according to my amortization schedule of payments. 
While going through my consumer report I also notice that my interest rate was change. 

Also, I would like a complete refund of my down payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
This collection is not accurate and can not be validated AND Im seeking litgation! Since I studied my rights and found out that under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Synchrony Bank for my XXXX XXXX Credit card. I set-up auto payments for my normal payments. In an attempt to pay off the promotional balance before the intrest was to be applied to the account, and to pay off. I would make additional separate payments from the auto payments. But Synchrony canceled my auto pay each time extra payments are made, and charged late fees to my account. Synchrony refused to credit all late fees.

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 monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not authorize the opening of those accounts

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on 05-06-23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$13000.00}

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this 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 non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting Experian to remove inquiry they advised me to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

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 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: CO

Complaint narrative:
I contacted the company for debt validation and never received a response. They are not the original creditor associated with the debt so I requested that they provide a complete validation of the amount owed and never received a response from the company. My letter was sent to them certified mail in XX/XX/XXXX and there was no response. On XX/XX/XXXX I learned that they placed the item on my credit report as a collections on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
This letter is a formal complaint against Transunion LLC. They reported an inaccurate information on my credit reports. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be updated/deleted as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX- Account # XXXX ( 30 days late XXXX and XX/XX/2022 )

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I had contacted the company the account was paid in full want it removed

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this message finds you well. I write to inform you of a serious matter concerning our previous interactions. Specifically, I believe there has been a violation of the Fair Credit Reporting Act ( FCRA ) as it pertains to the handling of my account. 

I have documented these concerns in a formal complaint, which I have sent via USPS mail. Please note that this communication serves as an official notice of my intent to file a lawsuit if the situation is not addressed in a timely and satisfactory manner. 

I expect to be contacted by your legal counsel or appointed representative in the shortest possible time. Please do not respond with the standard 'verified ' or 'accurate account ' rhetoric which seems to be commonplace in such circumstances. Instead, I am requesting for your full attention, responsibility, and prompt action in this matter. 

I hope that this can be resolved amicably and promptly, without necessitating further legal action. However, rest assured that I am prepared to protect my rights under the law. 

Please treat this matter with the seriousness it deserves. I look forward to hearing from your legal representative soon.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid in full.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid in full.

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 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was automatically sent a new Debit Card by the system since mine was expiring. However, Capital One 's system didn't put my Apartment Number, so it was lost/returned to sender. I called and when speaking to the agent, said they would be happy to send me another one. Cool stuff. 

However, when I authorized them to send me another one, they failed to mention that my current card would be terminated. After multiple phone calls and speaking to a supervisor, they could do nothing about the situation. 

This is an upheaval of my life. I am a XXXX XXXX XXXX who drives 10 hours a day Tuesday through Sunday from XXXX to XXXX, XXXX to XXXX on Mondays with an hour for lunch from XXXX to XXXX and I have to eat due to my XXXX XXXX XXXX and other medical problems I currently have. I rely on my debit card to get gas at any given times because of my job. Unfortunately carrying cash puts me at risk for bodily injury as it is never advised to carry cash as a XXXX XXXX unless absolutely necessary. XXXX does not ask us to ever carry cash. 

I could not access my money since it was after XXXX and I could not get gas or food that evening, as well as having to drop multiple shifts due to being unable to get gas, which hurt my metrics that allow me to keep Premier stats as a XXXX. I am now close to losing my position because of this. I was lucky enough to make it to the bank on Saturday right before they closed at XXXX XXXX. I have not had another opportunity to stop by the bank. 

Then I had to have someone do my grocery shopping for me since I have a very hard time being inside heavily crowded areas like super markets and malls due to XXXX XXXX with large crowds and currently working with my doctor about XXXX XXXX in my XXXX XXXX. So I can no longer do XXXX XXXX or XXXX without a card. God Bless having a good friend. 

The wait for my card, according to them, was 12 business days. Getting it Expedited would be 3, but it requires me to be here and they can not give a window beyond USPS ' hours of operation. Which is at any time of the working day. 

There are no cashless ATMs anywhere near me and I can not create a virtual card for my bank account when a checking/savings does not have an active card attached to it. Using my checking account to pay on my credit card to use it increases the amount of overall interest I pay through the year. This has cost me a lot of time and money for only having gone on since Friday XX/XX/XXXX. 

I have multiple bills that can not accept credit cards and require my debit card ( ie : My car note I pay Weekly every Tuesday on ). I also had a Monthly bill for the IRS to pay on my taxes, that I now can not pay and will have to find time to call them since there's been an hour hold time/callback when I tried calling them today ( Monday ). As well as my child support payments. 

If this company can not help me, please direct me to somebody who can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My husband and I took out a XXXX HELOC with BMO Harris in XXXX of 2013. It had a 10-year draw-down period. I don't recall how much we drew down, but we paid off everything within just a few years. We were still getting billed {$50.00} annually, and we kept paying it. In XXXX of XXXX ( not sure exactly ), I was informed that for some reason unknown to me, they had to close our HELOC account and reopen it under a different account number. I bank online, and after they made this switch, I could see the new account number. We took this opportunity to go in to the Bank and have the account closed. We signed a bunch of papers and I thought that that was it. I still saw this account listed when I checked accounts online, but it always had a XXXX balance due. I thought it had to stay that way for the full 10 years. 

On XX/XX/XXXX, we went in to the bank once again to close the account, and not have it roll over for another 10 years ( we didn't owe anything, but I don't want open credit lines out there. ) I wanted it CLOSED closed. I was told that we owe {$150.00} -- three annual {$50.00} payments for the last three years. How can that be if we closed it in 2021? The lien on my house will not be released unless I pay them {$150.00} for an account I haven't used in seven years, and closed two years ago. How does that make sense? 

I thought that because BMO is a XXXX bank, it wouldn't engage in some of the shadier business practices that many American banks do. That's why we have three savings and one credit card account with them, in addition to the HELOC. We've been good customers of theirs for almost 12 years. Sadly our good will isn't being reciprocated. If we can not come to a resolution in this matter, BMO can take their {$150.00} off the top when we close all five of our accounts.

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 monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and I noticed numerous inaccurate information on my credit report I noticed inaccurate unauthorized inquires and inaccurate accounts please see the attachments listed in this complaint

Company response to consumer: Closed with non-monetary relief