vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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: FL

Complaint narrative:
Hi this is really a minor issue. My credit report is blank, its not showing my accounts below. Perhaps its due to the info you have. I applied for credit and they cant see anything. Please update records to reflect address and the accounts listed below. 

ADDRESS ON FILE SHOULD BE XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX  XXXX ACCT # XXXX {$230.00} XXXXXXXX XXXX # XXXX {$210.00} XXXX {$130.00} 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 non-monetary relief
Consumer complaint received 2024-06-12 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: MS

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 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 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 2024-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: RI

Complaint narrative:
My mortgage was switched from XXXX XXXX to XXXXt Mortgage. In the month of XX/XX/XXXX, Shellpoint debited my checking account in the amount of {$XXXX} first on XX/XX/XXXX then again on XX/XX/XXXX. After discovering the issue, I called on XX/XX/XXXX to let them know they debited my account twice for my XXXX mortgage payment. They said it was a known issue and that they were fixing it and I should see the money back in my account by the end of the day. XXXX XX/XX/XXXX, the money was still not back in my account. I called again and they told me they were looking into it and working on it. I called again XXXX XX/XX/XXXX, and they told me to wait until the end of the week. I am extremely frustrated by this as I have other bills to pay and expenses. Almost {$XXXX} has been taken from me and I am not confident I am getting it back. The switch to this mortgage company has been a nightmare and not of my choosing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
WE HAVE REQUESTED A COPY OF THE ORIGINAL SALES CONTRACT CONTAINING MY WET SIGNATURE AND A COPY OF THE EXTENDED WARRANTY FOR SANTANDER XXXX XXXX XXXX. WE HAVE REQUESTED IT TWICW AND HEVE NOT RECEIVE ANY INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have the XXXX credit card from Synchrony Bank. When I used it I earned points.I switched cell phone carriers from XXXX to XXXX but I continue to have the XXXX Credit card. I tried to redeem the points I earned, but they are gone. These are points I earned from using the credit card while I was a XXXX phone customer and credit card holder. They said once I switch carriers for my cell phone, they take away all the points I earned by using the credit card. First of all this doesn't make sense because I earned the points from using their credit card not from using their phone service. Second, They never told me this before taking my points. They never told me this when I signed up for their credit card. Third, they took points that belonged to me. It was my possession they were holding. It is like you earn interest from a savings account at a bank, and then when you change banks, they take away the interest. That's illegal. The interest belongs to you. The points belong to me. What XXXX is doing is illegal.

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 2024-06-12 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:
XXXX XXXX XXXX XXXX XXXX, 2022 I did not request this Card Please Remove 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 2024-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: NexGen Proceed, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I was desperate for medical help and ended up going to XXXX XXXX 's XXXX XXXX. From the get-go they demand you take an upfront loan of ridiculous proportions without promise of an end result ( XXXX XXXX upfront ), and I fell into the trap as I was desperate for relief. They signed me up for a 5 year loan to pay off my 6 month " treatment '' where I would go into their office twice a week to sit in a dark back room where I sat on a grounding pad, put my feet in water and electric pulse devices stuck to me for XXXX minutes. They have you pay for XXXX to XXXX supplements at a time from them only and and you have to pay for your own bloodwork too ( {$400.00} extra every 3 months ). By the final month when nothing had improved, suddenly I was berated for not taking the supplements as necessary because I couldn't AFFORD buying more and more because they already had me strapped from the loan and bloodwork and transport to/from their facility! 

I felt bitter and scammed by the end in XX/XX/XXXX. 6 months and no way to take it back at any given point because it was an upfront predatory loan that I couldn't escape at an earlier point so I just grinned and bared it. I'm stuck paying {$360.00} a month on a scam that did nothing for me as someone with a chronic disability. I'm a singular person barely making ends meet and had to open a gofundme at one point so I could pay my bills. Most of the other patients I was there with also complained about the same issues I was experiencing of nothing working out for them. 
The loan itself is with Proceed Finance that they signed me up for from the 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 2024-06-12 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: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account XXXX : CAPITAL 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 non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
SEE ATTACHED!! CapitalOne notoriously reporting high balance on cards I pay off every month also the programs I am in I supposed to get credit increases CapitaOne and my situation I had to open three lines of credit to get to the threshHold I need to be in {$3000.00} Capital has extended three lines of credit to me knowing the way the credit world math to monopolize the industry and me I have talked till I am blue in the face with them and my hands are tied not only as you see make plenty of money I retired Vet and think and hart wrenching that they treat a third XXXX or a middle XXXX more respectiviley and grant these individuals more lines of credit then a person AMERICAN that sweated his ass off and put my life on the line for a safer Country WHATS WRONG WITH MY PAYMENTS THERE ON TIME AND BALLANCE PAID EVERY MONTH CONSISTASNTLY May I Please Receive My XXXX  XXXX And Take Them High Carryovers to be incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: MN

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
My employer paid XXXX checks towards my student loan ( {$520.00} and {$5200.00} ) as part of an awards program for which I committed to remain at this employer for XXXX more years, on XX/XX/XXXX, when my account was serviced by XXXX. My loan is now serviced by Mohela. I opened a case with the XXXX XXXX XXXX office and they told me I need to handle this with Mohela, not them. I requested copies of the checks from my employer ( which took a a very long time to obtain ). The checks were cashed but the account listed on the endoresement is not my account number. My account number was listed on the pay to the order of line. I have sent them to Mohela and requested a credit on XX/XX/XXXX. The amount has still not been credited to my account and this is going on too long, and I am being charged interest on this amount that is not properly credited to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TX

Complaint narrative:
Request for Validation and Verification of Accounts To Whom It May Concern, I am writing to request validation and verification of several accounts listed on my credit report to ensure the information is accurate. The accounts in question are as follows : XXXX XXXX : Account Number XXXXXXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX Please provide verification of the accuracy of the information reported for these accounts, including the account status, balance, dates of activity, and any payment history. If you are unable to verify the accuracy of the information for the mentioned accounts, I request that they be removed from my credit report. 

Enclosed are copies of my credit report highlighting the accounts in question. Please investigate these accounts and provide me with a detailed response regarding the results of your verification process.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I work XXXX XXXX  and been there 14 years on duty. While I was gone fulfilling my contract somebody has stole my identity none of the accounts on all three bureaus that earned in the negative not paid or really hurting my score they're not mine I wasn't even in the United States. I discussed with legal assistance and they have told me to disclose this is the last time I asked personally to please remove the stuff on all three of my bureaus that are negative. I've had no negative payments no loans that went bad no repossessions or problems with a rental property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I work XXXX XXXX  and been there 14 years XXXX XXXX. While I was gone fulfilling my contract somebody has stole my identity none of the accounts on all three bureaus that earned in the negative not paid or really hurting my score they're not mine I wasn't even in the United States. I discussed with legal assistance and they have told me to disclose this is the last time I asked personally to please remove the stuff on all three of my bureaus that are negative. I've had no negative payments no loans that went bad no repossessions or problems with a rental property.

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 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I obtained a HELOC from my XXXX for just under XXXX XXXX to pay off some larger debts. All were credited properly from various companies except the ones through Sychrony bank. I've list below the companies the CC is from along with the payment amounts, and receipt dates posted by them. None of the funds have been released as of this date XX/XX/year>. 

XXXX 's XXXX  - PD {$7700.00} - XXXX  by them on XX/XX/year> XXXX  - PD {$4600.00} - XXXX  by them on XX/XX/year> XXXX - PD {$10000.00} - Rcvd by them on XXXX XXXX 's XXXX has XXXX XXXX that its in my terms and conditions of my account that I agreed to. I can't understand why they would need to hold my funds for verification for this length of time when they came from a known financial organization in this age of electronic banking!

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 2024-06-12 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: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX and XXXX AND XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code s 1681a- Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term " consumer report " does not include - does not include any report containing information solely as to transaction or experiences between the consumer and the person making the report 15 USC1666B ; A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for the 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 non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, in accordance with 12 CFR Part XXXX Regulation Z Notice Rights of Recission/Adverse Action was given to companies : CHASE AUTO FINANCE and XXXX XXXX XXXX 

On XX/XX/year>, a Notice of De-Fault Opportunity to Cure was given to companies : CHASE AUTO FINANCE and XXXX XXXX. 

On XX/XX/year> a Notice of De-Fault Judgement/Non-Response/Non Performance was given to companies : CHASE AUTO FINANCE and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: GA

Complaint narrative:
My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE 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.

This company 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 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 2024-06-12 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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