vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc.
State: FL

Complaint narrative:
American First Finance have not sent me the necessary information I need to validate the alleged debt. There is a closed account with American First Finance reporting as {$720.00} delinquent which is inaccurate. The debt was charged off and still reporting actively every month on my consumer report. With the account being charged off. I have submitted a 4506-T form to the IRS to get clarification of who received the 1099 form for that account being discharged. The {$720.00} was deemed as uncollectible by American First Finance. There was a write off received by the company. Which make it extremely deceptive for them to try to collect on a debt that is not owed. They have also violated my privacy by furnishing information the consumer did not get to dispute or opt out. They are continuously furnishing information to coerce me into debt that is already paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to my records, I have paid in full along with on time payments. I would like for you all to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
on XX/XX/22 while i was at work there was to withdrawals from my account for {$200.00} totaling {$410.00} @ XXXX, my card was with me at the time so im not sure how this happened i called in to chime customer service and was told i have to wait until the transaction settle yesterday i call back into chime to dispute the charges and they closed my case this morning saying there was no error occurred i provide them with my time card as well as a police report but there desi cons still remains the same

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I had a written agreement with XXXX XXXX XXXX in XXXX, TX to pay a re-letting fee once COVID was over. The agreement was initiated in XXXX of 2020, and the agreement was for us to " touch base '' after the pandemic ended. I never received anything else from the in regards to the debt. No one ever " touched base '' with me, or tried to reach out to me for the debt before just sending it to collections. I never had a problem repaying the debt. The apartment manager told me to " not worry at all about the payments right now '', due to the pandemic. I have attached supporting documentation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried numerous times to get these negative items that are inaccurate off of my credit report. I have received no requested responses from XXXX, Transunion, or XXXX! 

Transunion XXXX XXXX XX/XX/2022 Re : Account # XXXX # XXXX # XXXX XXXX XXXX Address is NOT my address ; please remove immediately Dear Transunion Representative : This is a formal complaint about a duplicate collection account appearing on my credit report. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit. 

Delete the account stated above immediately. It does not belong on my credit report as it is ( 1 ) inaccurate, ( 2 ) duplicate, and ( 3 ) outdated.

I look forward to a swift and amicable resolution to this matter. 


Sincerely,

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have written XXXX on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have written XXXX on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 ( a ) states I have the right to privacy.

15 U.S.C 1681 Section 604 ( a.2 ) also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Invasion of privacy publishing my consumer information without consent.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriCollect
State: GA

Complaint narrative:
I have written Americollect on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
My loan servicer, AES, failed to notify me that I could consolidate my FFEL loans and be eligible for the CARES ACT interest and payment pause. It was not until recently, towards the end of the pause period that I learned, through my own research, that I could benefit from this. 

I feel like AES had a duty to make a glaringly obvious notification to inform their clients about possible benefits of Direct consolidation during the pandemic. Instead, they were shady and withheld this information for their own gain. 

I continued making my full monthly payments, throughout the pandemic, while a struggling new mom working as an essential worker with a reduced paycheck. 

Had I been properly informed of my ability to consolidate and pause my payments and pause my interest, I would be in a much better situation financially. My student loan obligation during the pandemic caused undue financial burden for my family and contributed to severe stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I made a payment of {$600.00} to ULTA Comenity Mastercard card Comenity, see statement. I inadvertently had not changed the account number to the new number. However, it WAS processed by Comenity and the payment was applied to the my NEW account number. The next two payments were not applied to my account, XX/XX/XXXX and XX/XX/2022. First payment for {$100.00} and second for {$1000.00}. XXXX told me they could not locate the payments and I was told to contact my bank which I did. My bank reversed the payments and shortly after Comenity applied a {$1100.00} to my new account. How can they apply an adjustment when the funds never made it to my new account My statement should be less {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
They block messages comunication way This messages communication way is totally ok wayto contact them. This is in the agreement Apple card is working in a very suspicious way when i reported I lost my card they requested full payment and block my card then they sent me a message telling they cancel my card and still charging me for unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Invasion of privacy publishing my consumer information without consent.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Invasion of privacy publishing my consumer information without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
some how since XXXX of 2022 trans union erased my credit score i contact them many times they claim that they never had any score or credit history on my name i told them before XXXX every month my mortgage and credit cards and car leasing was reported ther so they told i need to call the banks to tell them that they need to retort it so i called them and they told me that they doing it every month for the last 20 plus years on my name. i will send you my also credit report that trans union have my score and all my loans, please help me here cause im getting denied on loans. 
thanks

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
My unemployment was stolen from a US bank relia Card. The amount was {$18000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/2020 I contacted Navient about my consolidated FFELP student loans. I inquired about the zero percent interest rate reduction due to the pandemic. I received a response that I did not quality. I was not informed that I needed to transfer my loans to the direct consolidation loan program to quality. As a result they have collected interest on loans and I have incurred additional debt that could have been avoided had I been informed of my loan options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried numerous times to get these negative items that are inaccurate off of my credit report. I have received no requested responses from Equifax, XXXX, or XXXX! 

XXXX Equifax XXXX XX/XX/2022 Re : Account # XXXX # XXXX # XXXX XXXX XXXX Address is NOT my address ; please remove immediately Dear XXXX Representative : This is a formal complaint about a duplicate collection account appearing on my credit report. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit. 

Delete the account stated above immediately. It does not belong on my credit report as it is ( 1 ) inaccurate, ( 2 ) duplicate, and ( 3 ) outdated. 

I look forward to a swift and amicable resolution to this matter. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried numerous times to get these negative items that are inaccurate off of my credit report. I have received no requested responses from XXXX, XXXX, or Experian! 

XXXX XXXX Experian XX/XX/2022 Re : Account # XXXX # XXXX # XXXX XXXX XXXX Address is NOT my address ; please remove immediately Dear XXXX Representative : This is a formal complaint about a duplicate collection account appearing on my credit report. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit. 

Delete the account stated above immediately. It does not belong on my credit report as it is ( 1 ) inaccurate, ( 2 ) duplicate, and ( 3 ) outdated. 

I look forward to a swift and amicable resolution to this matter. 


Sincerely,

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 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Security National Financial Corp
State: TX

Complaint narrative:
I'm writing to have two late payments that were reported to the credit bureaus removed from my credit report. The two late payments of over 30 days occurred in XX/XX/XXXX and XX/XX/XXXX. 

I've had on time payment history since I bought my home in XXXX of XXXX, and when I was notified of the payments for these two dates not processing I immediately paid the full balance and have made on time payments ever since. I'm requesting these be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Shellpoint Mortgage aka Newrez received my mortgage on XX/XX/22. I received a letter from my original lender XXXX XXXX  stating that the effective date of transfer is XX/XX/22. The letter stated that according to federal law I have 60 days grace period before the new company can take any action against me for late payment. I set up auto-pay through the web portal but it did not go through somehow. After seeing that no withdrawal was made from my bank account I made my 1st and 2nd payment to Newrez XX/XX/22 after talking to a rep. The next credit refresh showed that they filed a claim against me stating that my payment was late. I called Newrez and on a recorded line the employee told me it was an error on their side and it should reflect as fixed on my next credit refresh. I waited till the next credit refresh and the late payment was still there. I spoke to a new employee on the phone and they stated that the late payment was correct but they would pull the recording and get back to me, which they did not. I have now emailed the company with the letter I received from my original mortgage company and my current credit report reflecting the XXXX pt drop in my credit score from this error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
This is in regards to XXXX, they are reporting an error on my credit report. I sent them proof the other bureaus deleted this Creditors Bureau Associates, account for {$120.00}. They are refusing to delete this account after I let them know they are in HIPPA violation. It doesnt exist with the other bureaus. This is inaccurate false information being reported on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: SC

Complaint narrative:
I graduated in XXXX. They gave 12 months after graduation before repayment began. Before the 1st payment was due I contacted Sallie Mae to see if I could receive forbearance or deferment due to not working and not being able to afford tye current monthly payment of {$570.00} Which was due XX/XX/XXXX. I was informed nothing could be done except to apply for my payment to be lowered based off of my income in which I did on XX/XX/XXXX. My payments were lowered to {$350.00} of which I could not afford so I asked if any other options were available. I was informed that I can find a company willing to purchase or consolidate my loan, go back to school, borrow from friends and family or ask my cosigner to cover the amount until I am able to cover it and pay my cosigner back. Due to the pandemic my cosigner is unable to help. I am currently past due {$1300.00} since the 1st payment due date in XXXX. Although I'm currently searching for employment since graduation I have no relief from my loan servicer. I call weekly to keep them updated with my financial status, and I always ask is there anything else to be done that can help refrain from default but unfortunately there is no relief and every call made I am told to borrow more money from family and cosigner. With the pandemic still in effect I Dont understand why there is no other relief available to borrowers. The payment amounts are easy to cause default especially to someone like myself who in unwillingly unemployed for the time being. I tried to navigate the site for help with difficulty making payments but was directed to calling my servicer for help which was already done atleast once weekly/biweekly, and information on filing chapter XX/XX/XXXX & XX/XX/XXXX bankruptcy and what will happen if your account becomes delinquent or defaults.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U. S. C section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our written instructions.

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