vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-27 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-27 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP

Complaint narrative:
Hi i am from XXXX an i did a work and travel to XXXX XXXX XXXX in XXXX, i open an account in XXXX XXXX and deposit mi money there, when i came back to XXXX i leave money there so i can transfer if i need it. In XXXX they close mi account with XXXX us dolars saying some movements were fraud but its isnt. They never ask to me if i notice something strange in mi account and they close mi account without consulting me.Now they have mi money and they dont do anything to give me mi money, i ask to open a new account but they say no. The only way they say can help me its with a check but i dont have nobody in the us XXXX I ask if they can deposit mi money in a friend account and they say no. I dont know what to do, since 1 year i have this problem and i need a solution, please help me to bring mi money back, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: GA

Complaint narrative:
I did a balance transfer to my card. They report the date of last payment to Equifax as XX/XX/24 when I got my equifax report. The Equifax confirmation # is : XXXX However I have made payments in excess of {$3000.00} since that date. See below : Auto pay to XXXX XX/XX/24 {$500.00} XX/XX/24 {$4.00} XX/XX/24 {$11.00} XX/XX/24 {$40.00} XX/XX/24 {$250.00} XX/XX/24 {$510.00} XX/XX/24 {$500.00} XX/XX/24 {$300.00} XX/XX/24 {$500.00} XX/XX/24 {$490.00} {$3100.00} Additionally they are not reporting any of these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
This company seems to have the innate ability whereby some months, payments are never applied correctly. Case in point : XX/XX/XXXX Statement from XX/XX/XXXX shows an amount of {$480.00} which includes the XXXX due for the month plus {$85.00} in fees which this institution give absolutely no way of paying them without the added inconvience of calling their offshore very rude disrespectful customer service ( or lack there of ) and having a form filed to re-allocate in XXXX business days. 
But i digress .... On XX/XX/XXXX a payment in the amount of {$120.00} was made towards the balance of {$480.00} which after it took XXXX business days to process ( which most banks process transactions in a single day ) should've left my balance at XXXX ( meaning {$270.00} due for XXXX 's payment plus the fees ) ; However, it shows i owe my normal amount of XXXX even though the payment was applied toward principal and interest. So, how is it your organization can update all facets yet not show a correct amount due for the month? 
This is starting to become concerning as it feels I am being misled, which i don't think any organization wants its members to feel as if they constantly have to monitor their account to make sure nothing unethical is going on. 
Oh, and on a separate note, Supervisor XXXX I spoke with started the call acting like her namesake until i cordially reminded her that i had all my facts and this was not the first time i had to complain about the misallocation of my payments ( XX/XX/XXXX i had to complain thru this medium about the same issue ) that XXXX lost her entitledness toward me ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to formally request a copy of the 1099-C form for the charged-off debt associated with my account, as required by the Internal Revenue Service ( IRS ) regulations. Despite multiple previous requests, I have yet to receive this crucial documentation from your agency.

Additionally, I am deeply concerned about the continuous communication I receive from your agency regarding the settlement of this debt, despite it being charged off and reflected as such on my credit report. These persistent calls, which occur multiple times a week, not only cause undue stress but also seem to contradict the status of the debt as reported on my credit report.

It is important to note that I have requested the 1099-C form on numerous occasions, and each time I have been informed that it will only be provided upon payment of the outstanding debt. However, it is my understanding that the debt has been charged off, indicating that the creditor has deemed it uncollectible. As such, I am puzzled by your agency 's insistence on payment before providing the required IRS documentation. 

Per IRS regulations, creditors are obligated to provide debtors with a 1099-C form when a debt has been canceled, discharged, or forgiven, and the amount forgiven exceeds {$600.00} in a calendar year. This form is crucial for accurately reporting income to the IRS and fulfilling tax obligations. 

Therefore, I request that your agency promptly provide me with a copy of the 1099-C form detailing the canceled debt, as required by law.

Furthermore, I reiterate my request for your agency to cease all communication regarding the settlement of this debt, as it is charged off and reflected as such on my credit report. Continuing to contact me to settle a debt that has been charged off may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Failure to provide the requested documentation and comply with the cease communication request may result in legal action to enforce my rights under the FDCPA and other applicable laws. 

I expect your prompt attention to this matter and request that you provide me with the 1099-C form within [ specify a reasonable timeframe, such as 30 days ] from the date of this letter. Please acknowledge receipt of this request and provide confirmation once the requested documentation has been provided. 

Thank you for your cooperation. 

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 2024-05-27 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: MD

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 non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Inc.
State: CA

Complaint narrative:
I have transferred money from Chime Debit Card using sendwave app, for multiple times and some of transactions has not settled but again earlier XX/XX/year> at XXXX I transferred XXXX $ but it's been cancelled and the money not refunded yet. And it taking so long I really need the money right away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX, I submitted multiple forms requesting payment options and filed complaints about threatening to repossess my vehicle. 

I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-05-27 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: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
I knew I would have problems paying my mortgage but I kept up for XXXX months what I was told I needed to get my interest rate lowered. Then I was told that could not happen because of inflation and the percentages being so high that they could not lower it. I told them that is not what was discussed XXXX months ago and now I am looking at losing my house .I requested help they did a modification and the payment went UP. I am beside myself and am disgusted with the lies and deceit mixed with this mess. I did not lie but have been lied to and feel like I have been tricked. My mortgage holder is Planet home lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have submitted requests for removal of all incorrect and unverifiable information however there has been no change in my credit report regarding removal of the incorrect information contained

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have submitted requests for removal of all incorrect and unverifiable information however there has been no change in my credit report regarding removal of the incorrect information contained

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 2024-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Purchase date- XXXX ARP- XXXX Finance chargeXXXX Total of payments- XXXX Amount of Payments- XXXX I absolutely believe I was definitely overcharged for a XXXX XXXX XXXXXXXX that I can not drive at the moment because of the transmission need to be replaced I am having a hard time trying to get repairs on the car because the job will cost me another XXXX to replace the transmission on top of continuing to make payments of a non working vehicle. Credit Acceptance employees will harass you after you set up a payment plan they will still report to the credit bureau as missing payments which put my credit in complete jeopardy.

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 2024-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: OR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
I lived at XXXX XXXX XXXX XXXX in XXXX, GA from XXXX - XXXX. I signed a XXXX lease. Unfortunately, out of the blue my mother passed away. Then, a month later my father passed away. As a result, I inquired with the leasing office about subletting or subleasing my unit. I had to pay for XXXX unexpected funerals ( out of pocket ) around XX/XX/XXXX and XX/XX/XXXX. I knew I couldn't afford the rent and burial arrangements for both parents. Through numerous conversations with the leasing office, we couldn't come to an agreement. So, I moved out at the end of XX/XX/XXXX. As a result, I received an astronomically high invoice of $ XXXX. In the midst of me moving, the apartments locked my smart lock where I couldn't enter the unit and charged me for cleanup. Mind you, I tried to enter the unit on the last day to clean up myself but couldn't get in due to an illegal lock out. This resulted in the staff taking hundreds of dollars in food and a few personal items I left to take at the last minute. A few months later, I received an invoice for {$5700.00}, which is now $ XXXX with additional fees. I sought legal advice for a settlement. Hunter Warfield XXXX XXXX XXXX legal company ) placed the debt on my credit and now I can't rent an apartment, nor buy a house. This debt has done major harm to my credit and my personal life.

Company response to consumer: Closed with explanation