vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I originally reached out to the creditors on XX/XX/2024 asking to remove these inquiries that I did not authorize, as well as sent a FTC report. I did not receive any correspondence nor were the inquiries removed. 

Pursiant to 15 USC 1681b ( c ) ( 3 ) : a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
To Whom It XXXX Concern I was marked as 30 days late for the month of XXXX, XXXX by Fay Servicing. I believe this was done in error as Fay Servicing was experiencing a glitch in their online portal. I initially submitted a payment on XX/XX/XXXX, and yet on XX/XX/XXXX I realized that the funds were not withdrawn. I had to click several times for the payment to be submitted as there seemed to be a delay between clicking on the button and the processing of the payment. I believe the payment on XX/XX/XXXX wasn't submitted due to the fact that I had to click several times for it to go through. I am asking for a courtesy correction of the XXXX late reporting as it occurred due to a technical glitch, and I shouldnt be held liable for this technical issue In addition, Fay Servicing is a commercial loan, and shouldn't be reporting on my personal credit report! 


Please correct the above error or stop reporting this account on my personal CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On Tuesday, XX/XX/2024, I made a payment to my Apple credit card. Later that morning, I decided to send my neice {$50.00} and went into my Apple wallet instead of Apple Cash. Somehow, I mistakenly made a payment to my Apple card again. Within 10-15 minutes I looked up how to cancel a payment and received the following texts ... " Thanks. Just a moment while Goldman Sachs reviews your request. '' and We're experiencing longer wait times. An Apple ayment and did that through my Apple wallet. I received a message from Apple stating, " We're experiencing longer wait times. FAn Apple Card Specialist will be with you in about 1 hour 20 minutes. If you aren't able to wait, type Exit and tap send. I did not wait. I immediately called Apple/ Goldman Sachs representative and was told that the payment could not be seen, therefore there was no way to check it, but that could mean that it would not go through. 
The payment did go through and now my bank account is- {$1400.00} and I am being told that there was no error on the part of Apple therefore they will not reverse the payment. This is wrong and I need my 2nd payment reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: NE

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of stress and 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 2024-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Canceled XXXX XXXX account in XX/XX/XXXX ( don't recall the exact date ). On the call, I was told that XXXX would send a box to my home if they wanted return of the equipment. Box never arrived at my home. XXXX  charged my account for non-return of equipment, and sold the debt to TransWorld Systems -- who dinged my credit on XX/XX/XXXX. I contacted XXXXXXXX XXXX  on XX/XX/XXXX to point out the error. Once they told me the address they sent the box, I confirmed that they sent it to my son ( at a vacant house ). I did find the box, and have a picture of the box with the wrong address on it. BTW, I have never lived at that address, nor was it listed on my account. XXXX  sent another box. I sent back the equipment, and that box was confirmed received by them on XX/XX/XXXX. I called XXXX on XX/XX/XXXX to confirm that the account charges would be cleared, and was given assurances. On XX/XX/XXXX I called again and was told that the credit had not yet been posted to my account, but it would be in a few days - and then XXXX will notify the debt collector TransWorld Systems to remove the debt from my credit report. Same story, different verse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
In accordance with the the FCRA XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer report in agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may NOT treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2024-05-06 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: MS

Complaint narrative:
I originally reached out to the creditors on XX/XX/2024 asking to remove these inquiries that I did not authorize, as well as sent a FTC report. I did not receive any correspondence nor were the inquiries removed. 

Pursiant to 15 USC 1681b ( c ) ( 3 ) : a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-05-06 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: MS

Complaint narrative:
I originally reached out to the creditors on XX/XX/year> asking to remove these inquiries that I did not authorize, as well as sent a FTC report. I did not receive any correspondence nor were the inquiries removed. 

Pursiant to 15 USC 1681b ( c ) ( 3 ) : a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lefkoff, Rubin, Gleason, Russo & Williams, P.C.
State: GA

Complaint narrative:
XXXX XXXX  garnished my XXXX XXXX bank account for XXXX they received a little over XXXX from a XXXX XXXX XXXX XXXX that was repossessed in XXXX and sold. I never received the court date even though they claimed someone was served at an address I stayed at and signed for the court date. I believe it is still illegal they were able to garnish my account for such a high amount when the car was repossess and was nearly paid off when reposed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had multiple health bills last year and got behind on my Bank of America Credit card. So, I set up monthly payments on the due date. When the first payment did not go through, I assumed it had something to do with my banking institution and not the credit card company. I called back in XX/XX/2024 to set up payments to get back on track and make sure my banking information was correct for monthly payments. I was able to use the monthly payment once and XXXX of XXXX I was able to manually pay the past due amount of the card and was current. I made sure to ask the representative that took the payment in XXXX if I would remain on the monthly payment plan. I was assured that on the due date each month, they would deduct {$180.00} from my banking account. 
Today, XX/XX/XXXX, I received a message my account was a month passed due and when I went online to view my account my XXXX payment failed. I called my banking institution, and they informed me twice that there were no transactions made from Bank of America since XX/XX/2024. So, I proceeded to call Bank of America and after talking to XXXX different departments and getting no explanation to why my payment failed, they hung up on me. I called back and spoke to collections and all they said was it failed, and they did not know why. I spoke to the Collection supervisor that waived the past due amount and we changed the banking information and set up the payment plan to deduct XXXX 's amount on this Thursday XX/XX/XXXX and then set up monthly payments for a third time to deduct {$180.00} on the XXXX of every month. He again informed me that in their computer system the only information they have is the payment failed. There is nothing to help me with the reasons behind the fail. 
I need to let you know that my account is closed at Bank of America but after speaking with other coworkers, I'm not the first to have issues with Bank of America. Right now, I don't have a good credit score to move my balance to another card and I'm a little afraid that my payments are not going to my credit card balance. I need to know what to do next with my balance and where to go with Bank of America

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 2024-05-06 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: CA

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the predatory lending practices and inaccurate reporting of information by XXXX, a creditor with whom I have a loan agreement. It comes as no surprise to me that XXXX ranks among the top 100 companies with complaints to the CFPB, given my firsthand experiences with their unethical conduct. 

XXXX has consistently reported inaccurate information to all three major credit bureausTransUnion, XXXX, and Experianregarding late payments on my account. These late payments have been reported inconsistently, with varying information provided to each credit bureau. Despite my repeated attempts to rectify this situation and request validation of the data reported to the credit bureaus, XXXX has failed to provide satisfactory documentation or proof of the reported late payments. 

Moreover, XXXX employees have resorted to harassing tactics, repeatedly calling me after I escalated my concerns to the CEO via email. Despite my legitimate requests for documentation and proof of the reported late payments, these employees have dismissed my inquiries and even claimed that such documentation does not exist. 

For over two years, I have diligently made payments on my loan, yet due to XXXXXXXX XXXX predatory lending practices, the balance has decreased by less than 15 percent of the original finance amount, despite paying {$650.00} per montha significant financial burden for me. Adding insult to injury, XXXX has failed to send regular statements regarding my account, further complicating matters. 

The inaccurate late payments reported by XXXX have severely damaged my credit and financial reputation, making it challenging for me to access credit and financial services. Despite my efforts to resolve this matter with XXXX, they have shown no willingness to rectify the situation or provide me with the necessary documentation. 

Therefore, I implore the Consumer Financial Protection Bureau to intervene and conduct a thorough investigation into XXXX 's predatory lending practices and inaccurate reporting to the credit bureaus. I ask that XXXX be held accountable for their actions and that they are required to provide me with the documentation and proof of the reported late payments as requested. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these issues and protect consumers like myself from predatory lending practices and inaccurate credit reporting. 

Sincerely, 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want the fraud alert remove from my Experian profile. 
Its hindering me from getting mortgage loans and credit cards. 
I will send attached a letter along with a copy of my drivers license and social security card proving its 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 explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: Nelnet, Inc.
State: MN

Complaint narrative:
I was assigned NelNet after Great Lakes Borrowers was absorbed. In XXXX of XXXX I applied for an IDR plan. It is now XXXX of XXXX and it has STILL not been processed. In this excessive wait, I have accrued almost {$400.00} in interest. I have called ( multiple times ), Emailed ( multiple times ) to no avail. Just this morning I got an email with all of my personal information including my full SSN, and a note saying they can't locate my account - even though I've contacted them from their online portal. 

I am at my wits end. They are doing nothing to resolve this, and I have gotten no communication other than. " We are working on it. '' Or the newest " We can't find your loan. '' I am livid with this useless loan company and feel I am being taken advantage of. I literally can't do anything other than wait for them to process my application all while my interest grows on a matter which should have been resolved within a month to two months, tops.

Come on Nelnet.

Company response to consumer: Closed with explanation