vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: NM

Complaint narrative:
On XX/XX/XXXX they responded to my original complaint and they sent a letter to my credit reporting agency to have the inaccurate information they originally reported to be removed then I got a alert that in fact they did do that my score went up XXXX points! Now this morning I get another alert from experian that they went and re-reported the false information and again my score went down by over XXXX points I have all proof of every payment being made and they are showing as if my credit report is showing late payments for XXXX and XXXX and its just not true they have affected my ability to buy a vehicle and Im super upset they are predatory lending without question and they are false reporting information! They acted in front of you guys that they were doing the right thing then turned around a week later and re reported the false information and then my score just took another big dip I want this removed from all XXXX credit reports and I want this company penalized as they are purposely trying to destroy my credit as if this is a game to them Please help me get this fixed and fixed as soon as possible please!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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:
My previous CFPB complaints have been neglected in providing the evidence required by consumer law from TransUnion and XXXX XXXX Ive filed multiple CFBP complaints requesting that the TRANS UNION force the company XXXX XXXX to comply with my request to provide specific information pertaining to the account that they have accumulated numerous questionable and unethical fees violating my rights as a consumer. I was never issued a transaction statement for the account with XXXX XXXX. Theyve mailed me interest statements and not transaction statements clarifying evidence as proof of balance at account closing. I requested a statement of all transactions specific to where and when all purchases with amounts that locations from the card that was only active for XXXX  days according to my credit report. Theyve ignored my request by way of a letter response and CFPB complaint. They only providing statements of interest rates and no transaction or usage of card. The reopening of the account with no proof of transactions was active for XXXX  days with the sole purpose of conducting unethical, consumer violating behaviors by stacking fees without proof of purchases and month end balance. They failed to provide proof of the source of purchases or statement, outlining the usage. Ive attached a document sent to me in a CFPB response without them providing the information I specifically requested.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-23 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: TN

Complaint narrative:
At the beginning of XX/XX/year>, I contacted TransUnion regarding a case of ID Theft on my TransUnion credit report. The ID Theft account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX ). The evidence of this ID Theft I provided to TransUnion was in the form of an Notarized ID Theft Affidavit, a XXXX, TN Sheriff 's police report on the ID Theft and an FTC ID Theft report ( the first two of these items are attached as well as the original letter to TransUnion ). This information was sent to TransUnion via certified mail ( # XXXX ) and was confirmed received by USPS and by a call I made to TransUnion. I was informed by the TransUnion representative at that time that the account would be immediately removed based upon the information that they received. When this didn't happen after two weeks, I recontacted TransUnion and was told by the representative that while they received the information she had " no idea what was being done with it nor would the account be removed regardless of what you ( I ) sent ''. This non-action by TransUnion on a proven ID theft account has severely damaged my credit and has prevented me from getting both an auto loan and a credit card.

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 2024-05-23 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: LA

Complaint narrative:
I've identified fraudulent inquiries 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 2024-05-23 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: LA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following 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 2024-05-23 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate information that has been reported on my credit report by XXXX XXXX. Despite my efforts to resolve this issue directly with the credit bureau ( s ) and XXXX XXXX, the inaccuracies remain uncorrected and are adversely affecting my credit standing. 

The inaccuracy on my credit report is as follows : 1. An account from XXXX XXXX, account number XXXX, is incorrectly reported as delinquent for XX/XX/year>. 

I have contacted Experian and XXXX XXXX XXXX XXXX, providing them with documentation that clearly supports my claim that the information is incorrect. Despite this, the disputed information remains unchanged on my credit report. The steps I have taken to resolve this issue include : - I have submitted documentation every month since XX/XX/year> to both the credit bureau and XXXX XXXX to correct this error. 

Enclosed with this complaint are copies of my correspondence with the credit bureau and XXXX XXXX, as well as copies of the documentation that I provided to support my dispute. 

The continued presence of this inaccurate information on my credit report is causing significant harm to my credit rating and financial wellbeing. I respectfully request that the CFPB intervene in this matter to ensure that the erroneous information is corrected promptly. 

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.

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 2024-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
I walked into the XXXX years ago without medical insurance I was having some weird thing happening with my XXXX. It XXXX me a lot. I waited in the waiting room and was called into the XXXX XXXX I stood there waiting and soon they put me in a chair in the hallway. Has I been sitting there I had many other people some with XXXX XXXX XXXX XXXX others with XXXX and XXXX XXXX so on a so forth. Well, the person that was sitting closest to me Happened to have a very highly XXXX XXXX XXXXXXXX called XXXX. I know this information due to the XXXX telling him out loud next to me your XXXX XXXX XXXX XXXX XXXXXXXX. well with that being said IO requested to be moved I personally had that one time, and it went into my XXXX  which almost XXXX me. Not to mention I have an XXXX XXXX and it causes my XXXX XXXX to be weaker. Anyway, I asked to be moved I was told NO. I never seen a XXXX I see a XXXX who stopped me on my way out of the XXXX because I left and said Oh your XXXX looks like a XXXX XXXX. I still walked out of the XXXX I got a call later from someone asking me why I left I explained why they then told me I have a balance which I explained I never got seen how you are sending me XXXX bill for sitting in the building I did not get treated I didn't even have my XXXX checked. I literally walked n sat in a chair in wait room moved to the back sat in another chair I didn't even use the bathroom why would I have to pay a bill i did not rightfully owe? I had the debit company contact me telling me I'm being with sued for this. I once again explain this entire story. I then explained I can not afford to pay this I work ft, but I also XXXX a XXXX  of XXXX XXXX. I do not have it. They sent me another court paper saying they will take my money from my company before I get paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I attend XXXX  XXXX XXXX of XXXX from XXXX to XXXX. I left for a brief period and joined the military. Upon my honorable discharge I returned to XXXX XXXX XXXX in XXXX. I received a federal loan discharge via the recent borrower defense discharge available to certain XXXX XXXX XXXX. During my first term at the XXXX XXXX, I acquired XXXX XXXX private student loans.

On XX/XX/XXXX I called Navient for information on school misconduct discharge of private loans and was told to follow up in XX/XX/XXXX. I am filing my complaint to establish a record and my inform of my relationship with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Comerica
State: VA

Complaint narrative:
Attempted to make a purchase for {$39.00} and was charged {$260.00}. Immediately called canceled the card and initiated dispute. Was given provisional credit that was taken days later without explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Activehours
State: IL

Complaint narrative:
I have been given continuous misinformation by managers over hours and hours of ridiculous chat conversations. I was clearly told by a manager in XXXX that I needed one direct deposit of a certain amount for the team to verbally confirm my details and activate my account. I told them I would not receive this until XXXX. Fast forward to XXXX, I am now being told this is not enough, per chat XXXX, and that I need a pay stub, of which my employer is taking time to provide. EarnIn, simply verify my account, honor what I was told multiple times including on XX/XX/XXXX, and simply activate my account. You verbally confirm paycheck details all the time. Treat customers consistently and please properly train nearly every member of your team. 

Per your latest message to which I have not received a response, please see the below specifics : 1. As mentioned, I have asked specifically where these requirements are mentioned in your policies. 2. I'm aware of what a previous " community advocate '' stated, which is what caused this complaint. You had multiple supervisors directly and confidently state multiple times ( even when I directly asked that they fully confirm ) that I needed to meet certain terms. It took time to meet these terms, and that is why I spent nearly 6 hours on
chat with your team fully confirming the terms before I met them. Once these terms were met, your team then does a rug pull, refuses to honor terms clearly mentioned by multiple agents at the highest level, and then clearly does not take concerns with misinformation, mishandling of extensive chats, etc. seriously via this complaint. EarnIn is brushing over my concerns, not taking responsibility, and not pointing out where these terms are mentioned. Clearly this is causing not only confusion for me, but for your own poorly trained team.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DISCOVER BANK
State: RI

Complaint narrative:
I am writing to lodge a formal complaint against Discover Home Loans regarding their misleading practices and lack of transparency during my recent home equity loan application process. 

On XX/XX/scrub>XXXX XXXX XXXX I contacted Discover Home Loans to inquire about obtaining a home equity loan to fund a down payment for an investment property. As the sole owner of my primary residence, I specifically asked if my partner could be included in the loan application without being a co-owner of the property. Loan officer XXXX XXXX assured us that my partners ownership was not required for loan eligibility. 

Relying on this information, we proceeded with the application, diligently submitting all required documents. However, on XX/XX/scrub>XXXX XXXX XXXX, loan processor XXXXXXXX XXXX XXXX XXXXXXXX informed us that my partner would need to be added as a co-owner through a claim deed to qualify for the loan. This new requirement, which had a three-day compliance deadline, was never mentioned at the beginning of the process. 

We explicitly stated from the start that adding my partner as a co-owner was not an option. Our goal was to secure a loan based solely on my ownership. The sudden imposition of this condition, after nearly a month of processing, not only contradicted the initial assurances but also jeopardized our investment plans, as we had already submitted an offer to purchase a property. 

As a result of this last-minute change, our loan application was denied because we did not comply with the unexpected requirement. This led to a considerable waste of time, effort, and the loss of a valuable investment opportunity. 

I find Discover Home Loans ' handling of our application to be unethical and lacking in transparency. Their actions caused unnecessary stress and financial harm. I request that your agency investigate this matter and take appropriate action to ensure that such deceptive practices are addressed and rectified. 

Thank you for your attention to this serious issue. I look forward to your response and any assistance you can provide in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

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 2024-05-23 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: KY

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental  distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX XXXX XXXX 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

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