vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 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: MO

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

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

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: MO

Complaint narrative:
As per FCRA 605B, any misreported accounts must be removed from my credit report. Can you look into the documents? The reporting, amounts, and dates for some accounts are incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bank with Chase and use their app. I tried to transfer {$1000.00} to my son XXXX XXXX, on XX/XX/XXXX Sunday ( I think ) using XXXX app provided through Chase portal. By mistake I send the money to his work cell # XXXX XXXX XXXX, instead of the personal number XXXX I immediately realized this ( less than XXXX minutes ) and called Chase to stop it and revert the money After few weeks of investigation they orally told me ( never got a written response ) that the transaction went to someone and they can not return money. XXXX says that i need to speak to Chase and not to them My point is whoever got money does not have the XXXX XXXX XXXX phone ( its my sons work # ). In my view Chase or XXXX is responsible for ensuring numbers are linked to right accounts. In my view even though i transferred money to an unintended #, it was still my sons number not hooked to a bank #. 

A consumer can not verify whether the right number is linked to the right person, which should be bank/Zelle job XXXX 

Please help to get money back thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: VA

Complaint narrative:
I am not sure what bill is this, why this bill is not submitted to my insurance provider. For all the emergency services provided on XX/XX/2024, I already paid the deductible to my insurance company. I need an answer for this XXXX. I am attaching the debt collection notice. Did the company who sent for collection tried to collect that bill from my insurance of not I am not liable to pay this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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:
FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you examine the documents? There are discrepancies in the reporting, amounts, and dates for some of the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: MO

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

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

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
This collection is being reported on my credit in violation of the FDCPA. For that reason I am disputing it, until the investigation is finished I ask you to stop reporting the account on my credit report, otherwise I will file a small claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I wanted to buy tickets to the XXXX XXXX  show in XXXX. I placed a tickets wanted ad on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Almost impossible to find. I was emailed then called by a man who said he had the tickets I needed. We spoke at length. He then emailed me a photo of the tickets. After emailing, texting and speaking with him, I felt comfortable paying him for the tickets. He asked that I send the payment under the friends and family listing. I've done that before with no problems. He said I'd get the tickets in about XXXX minutes. They never arrived. I spoke with him repeatedly but still no tickets. I immediately called Venmo, explained what happened and provided all his contact information. They assured me that they would help me. They also said my case would be expedited. I was contacted by Venmo the next day and they said they'd had problems with this person before. But that didn't matter. I would receive no refund. They knew this man was a criminal and did not care. Venmo aided and abetted a thief. This is a perfect example that once Venmo takes its profit from the transaction, they do not care about scammers using their company. It's dishonest and despicable that Venmo would act in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX ( Comenity Capital Bank ) I received my credit card statement due on XX/XX/2024, with a balance of {$500.00}. I paid it in full ( {$500.00} ) and they received the payment on XX/XX/2024. I made no other purchases. I get another bill now in XXXX due XX/XX/2024, charging me interest of {$8.00}. 
I called them on the phone on XX/XX/2024 ( XXXX ) at XXXXXXXX XXXX. the woman told me that was interest on the {$500.00}. I explained that was not on my statement and they should not have charged me. I ask her how this is legal. She said I should have called someone if I was paying the total amount so I could get a pay off amount. I have never had to deal with something like this before. I feel they were hoping I thought my card was paid off so now they could get a late charge of {$41.00} also. I went to the XXXXXXXX XXXX XXXX XXXX at the XXXX XXXX on XX/XX/2024. I went to customer service, and they said they do not deal with any credit card problems. So I paid the {$8.00} in cash and got my receipt. I just wanted tom make sure they got this payment before they m could charge me a late charge. I will not longer use my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: LendingPoint Holdings LLC
State: AR

Complaint narrative:
XXXX ( XXXX ) XXXX, transferred my credit dept to XXXX XXXX XXXXXXXX XXXX XXXX, since then we have not received any statements indicating what the principle amount applied to the dept. The credit is also no reporting the dept. We have asked for statements since we received a Generic letter stating that we would not make the payment to them. For XXXX months I have made a payment and been given different balance amounts ranging from {$2800.00} to over {$3000.00} to {$2900.00}. XXXX customer service agent explained as its was variable rate and then another that we pay a fixed rate. There is no online portal to view my dept or to see what the amount is. I feel this is fraudulent and need XXXX want to make the total payment but am afraid that the company will not provide proof that the dept is paid. At XXXX point within the last XXXX moths I was also advised I missed a payment which I did not. I paid XXXX payment XX/XX/year> and and the second payment XXXX weeks later to cover the XXXX payment. Every time I ask for a statement or online access they say they submitted a ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: GA

Complaint narrative:
On XX/XX/year> XXXX ran a hard inquiry on my credit. I never authorized such an inquiry, nor did I apply for any loan or credit card from XXXX. I called XXXX and after XXXX attempts to speak with someone, I finally was able to plead my case. The agent assured me that no credit account has been open under my name. I asked why XXXX ran my credit report and he could not answer that. I want that inquiry removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FactorTrust, Inc.
State: NY

Complaint narrative:
I submitted to have adviser items blocked The Regulations dictate specific time frames within which consumer reporting agencies must respond after receiving a request for blocking 4 business days Block the reporting of any adverse item of information identified by the consumer 5 business days Notify a consumer if additional information is necessary for the purpose of completing the submission and attempt to resolve any deficiency in the consumer 's submission I have not receive anything and the items are not blocked. This is in violation section 605C of the Fair Credit Reporting Act for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
Every Inquiry in my Credit Report has violated my rights. 15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedes the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I was inappropriately charged interest on my account while in administrative forbearance. When I initially started in the save plan with Aidvantage on XX/XX/XXXX I had total interest of XXXX. by XX/XX/XXXX I was up to XXXX of interest which was likely miscalculated given the total interest starting from XX/XX/XXXX set at interest rate of XXXX XXXX would have been around XXXX. During administrative forbearance from XXXX until XXXX I was charged another XXXX XXXX in interest. My total interest on XX/XX/XXXX was XXXX. Then on XX/XX/XXXX was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I am a resident of Colorado. I previously had the leased car registered in Florida. I need to re-register the car in Colorado. The car may be totaled so it's urgent that I register it immediately to prevent increased losses.

KIA says they sent the title for my car to me by US mail months ago and they keep claiming they've re-mailed it multiple times. Now they won't even pick up the phone to me. The car is not registered and I'm paying for a car I can not drive. 

I requested the title of KIA by phone initially in XXXX. See attached KIA shows they claim they processed it. This notice has been on my account for four ( 4 ) months now.

I have re-requested the title ( both sides ) and limited PoA at least a dozen times, by email and phone - see attached evidence of the emailed submission showing a request that they email it directly to my DMV and copy me so I know it is there. My State DMV denies receiving it and claims they have no way to receive it by XXXX mail- which is what KIA keeps claiming they've done. 

On XX/XX/24 my XXXX neighborhood received a severe hail storm. My KIA car sustained major damage. It may be totaled. I submitted a claim to my insurer. But the repair shop responsible for the repair or totaling it will not allow vehicles in their shop that aren't registered here.

I reported the loss to KIA. I've experienced other significant losses on this car due to attempts to steal the KIA and extreme vandalism which also needs to be completely repaired before I return the car to KIA. The lease is over soon.

I am paying for a car that I can not drive and how do I return it to KIA without being repaired? KIA will destroy my credit if I do that or if I stop paying for a car I can not drive. 

AN IMMEDIATE FAMILY MEMBER HAS XXXX. She lives out of state and I need to go take care of her. I need this sorted out quickly. By copy to KIA I had wanted to stay their customer and get another KIA when this lease is over - but I need them to help me. This is my 2nd KIA. 


Thank you for your help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I notice that there are late payments being displayed on my credit report on XXXX, XXXX, and XXXX. According to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dispute Letter Aggressive XXXX XXXX XXXX XXXX XXXX letter FULL NAME XXXX XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX CREDIT BUREAU NAME XXXX Credit bureau ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. 
XXXX, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXX XXXX XXXX and/or TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-29 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: MD

Complaint narrative:
Dispute Letter Aggressive XXXX XXXX XXXX XXXX XXXX letter FULL NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX CREDIT BUREAU NAME XXXX Credit bureau ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 
XXXX, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXXEquifax XXXX XXXX and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation