vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I dont recognize a charge of XXXX dollars made in XX/XX/XXXX from a place in XXXX XXXX XXXX '', I was here in Texas that day so I couldn't have paid that. My bank account went below XXXX. 
I've disputed this twice with Wells Fargo and they dont see an issue, theres no explanation why and I still have no idea who charged me. 

This same company also charged me on XX/XX/XXXX for XXXX, the method on that one says " card inserted ''. 
But the XXXX transaction didn't have the same method, and I don't recognize any of these two payments.

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 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I received a mortgage statement due XX/XX/XXXX on XX/XX/XXXX and sent it back XX/XX/XXXX. I then got a threatening phone call on XX/XX/XXXX saying they would take legal action against me to collect. 

This follows the treating letters I received in XXXX. 

There excuse is they took over the loan in the new year, but I do not think that gives them the right to use stressful harassing tactics on me when they can not get the statements out in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent a letter XX/XX/2024 to Experian. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. However the credit bureaus completed the investigation and stated everything was 100 % accurate. 

Legally, credit bureaus must complete an investigation within XXXX  days of receiving a XXXX demand letter. According to the LAW, unverifiable inaccurate accounts must be removed and if they are unable to provide me with a copy of verifiable proof within XXXX  days after the investigation, they must remove the accounts and/or the information listed below. Experian failed to do so.

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 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
SANTANDER COMPLAINT ON XX/XX/XXXX, THE VEHICLE WAS REPOSSED. XXXX MONTHS LATER I CALLED SANTANDER TO DISPUTE THE CHARGES AND REQUEST A COPY OF THE ORIGINAL LOAN AGREEMENT WHICH I NEVER RECEIVED. I DID RECEIVE A COPY OF DEBT COLLECTION LETTER WITH A LISTING OF PAYMENTS FROM THE XXXX  PAYMENT ON XX/XX/XXXX THRU THE LAST PAYMENT RECEIVED ON XX/XX/XXXX. THE INITIAL PRICE OF THE VEHICLE WAS {$20000.00}, HOWEVER AFTER XXXX OF PAYMENTS TO A TOTAL VALUE OF {$22000.00} WERE PAID AND AT THE TIME OF REPOSSESSION THE BALANCE DUE WAS STILL {$15000.00}. AS I LOOK AT THE STATEMENT I FOUND THAT MOST OF MOST OF MY PRINCIPAL PAYMENTS WERE APPLIED TO THE INTEREST KEEPING THE NOTE AND PRINCIPAL BALANCE HIGH. ON SEVERAL MONTHS I MADE MORE THAN XXXX PAYMENT IN AN EFFORT TO REDUCE THE PRINCIPAL BALANCE AND INSTEAD OF APPLYING THAT XXXX  PAYMENT TO THE PRINCIPAL BALANCE THE MAJORITY AMOUNTS WERE APPLIED TO THE INTEREST. 
THIS IS A DISGUSTING PRACTICE AND IT IS EVEN MORE AGREGIOUS WHEN THIS IS A COMMON PRACTICE BY A COMPANY TO INDIVIDUALS WHO ARE ALREADY BEING FINANCED AT A HIGH INTEREST RATE AND ATTEMPTING TO TRY TO REPAIR OR ESTABLISH A GOOD CREDIT HISTORY/RATING.

THIS PRACTICE IS IN EFFECT CONSPIRATORIAL, FRAUDULOUS, AND IN VIOLATION OF THE TRUTH IN LENDING ACT.

I INTEND TO PROCEED WITH LEGAL FILINGS IF I AM NOT PUNITIVELY REWARDED AS WELL AT THE REMOVAL OF THESE UNMATCHING VALUES OF THE AMOUNTS REPORTED THAT I OWE. THIS ACCOUNT HAS BEEN DISCRIMINATORY FROM ITS INCEPTION. THROUGH THE UNAVAILABILITY OF BETTER FUNDING I TOOK THIS CONTRACT IN GOOD FAITH, BUT WAS INTRODUCED TO THE FACT THAT THERE WAS NO GOOD FAITH IN THIS LENDING.

ALSO THERE WAS NO ACCOUNTING GIVEN TO ME OF THE {$4000.00} DOWN PAYMENT AT THE TIME OF PURCHASE, WHICH AGAIN IS WHY I REQUESTED THE ORIGINAL LOAN AGREEMENT BECAUSE I HAVE NO WAS TO COMPLETE MY ACCOUNTING ON THIS ACCOUNT TO VERIFY THE TRUE VALUE DUE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This account has been disputed 3 times. Twice with XXXX and once with XXXX. Each time it was concluded that I do not owe XXXX. I gave them notification that I want to close my account and they continue to charge me after I have transferred to a different company and my phone numbers were ported. I highly recommend credit collection companies should go and find a better job to do instead of buying debt at a lower rate and coersing people to pay without having any background knowledge of what transpired between the company and the individual. Also, government need to institute a stricter rule against credit collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Im lots of calls and way of talking threatening me and filling lawsuits on me and main my I.d stolen my credit score and profile all mass up. Im having all the proofs also all paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-13 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: IN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address the urgent matter of fraudulent accounts on my credit report. Upon reviewing my report, I discovered unauthorized accounts under my name, opened without my consent or knowledge. This breach of my financial security demands immediate action XXXX XXXXXXXX.

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 2024-02-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the issue of late payments on my account. It has come to my attention that there have been instances of payment delays, and I want to express my sincere apologies for any inconvenience this may have caused 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 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
My student loans are through MOHELA, I am in the XXXX program. Back in XXXX I received a letter from MOHELA stating that I needed to recertify my income or else my monthly payment would increase. According to the CARES Act ( XXXX XXXX XXXXXXXX ) if my recertifacation date is before XX/XX/year> then it will be pushed out 1 year. MOHELA says that is not the case and that my payment will increase to over {$2000.00} per month unless I recertify before XXXX. I have called several times and no one will assist me or show me that actual law where this is being stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BAL.OWNED : {$2000.00}, XXXX XXXX XXXX BAL. OWNED : {$5600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX BAL.OWNED : {$2000.00}, XXXX XXXX XXXX BAL. OWNED : {$5600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NV

Complaint narrative:
XXXX  , Tranunions, XXXX  didnt remove late payments

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 2024-02-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX  , XXXX, Equifax didnt remove late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
On XX/XX/2023, I sent a letter to CKS Prime Investment asking for verification of the debt. The letter was sent by certified mail. I received the signed card back, but NO proof of the debt is owed by me. They continue to report on my credit. I have never had an account with this company. 

Under the Fair Debt Collection Praction Acrt 15 USC 1692g Sec. 809 ( a ) and ( b ). They had 30 days to supply the information and have not.

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 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I received a letter from Resurgent capital services stating that I owe them {$910.00}. I disputed this with them twice. I don't have a account with them. I as the consumer deserve a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have been battling an a previous apartment collection from over 3+ years ago. I am here because I don't know what else to do. I have family whose primary source of income is working on peoples credit for them take look into this issue for me. After multiple rounds of Disputes it was removed and I have the points boost to photo to prove it. Lo and Behold I am in the process of moving and had someone look at my credit report and sure enough this account is not closed. Also the Debt collection company updated the account stating that I lived there in XXXX which is absolutely not true and can be proven. I have lived in my current apt XXXX XXXX XXXX XXXX XXXX XXXX for two years and the previous apartment which was called ( XXXX XXXX ). I know for a a fact when this was because I was laid off from my XXXX around this time due to the closing of a lot of businesses over XXXX procedure so this was no later than XXXX making there timeline incorrect again. I have photos of them emailing me so many years ago and then ceasing to do so because the account was disputed and supposed to be removed... the large gap in between emails serves as irrefutable proof that it Indeed was charged off and here we are again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has not send any information on why this account keep reapaering on my credit report once it has been removed. Equifax reinserted XXXX XXXX XXXX acct. XXXX which is a voilation of the FCRA. Under policy U.S.C 1861i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IN

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$27000.00} Needs Attention This account is showing on XXXX. Incorrect payment history and balance etc. On Equifax there is no account like this on my report. I have reported this to them multiple times and they still refuse to remove it. Information is supposed to be accurate. The information is not accurate or complete because there is different information on all three bureaus and no information at all on some. this is completely against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation