vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received from Synchrony Bank an email that my payment for an account I have with them for the purchase of a XXXX XXXX bed was not received on XX/XX/2023. The payment had been made through my XXXXXXXX XXXX account for {$200.00} on XX/XX/2023. The same way all of my previous payments were made. They claimed to not have received it. They wanted me to send copies from my bank statement as proof & to talk to XXXXXXXX XXXX  I visited XXXXXXXX XXXX  on XX/XX/2023 and they confirmed that the payment was made and received by Synchrony Bank. I mailed to Synchrony Bank copies from my XXXXXXXX XXXX  Checking account showing the payment was processed on XX/XX/2023, a portion on my XXXX XXXX Statement showing the {$200.00} payment and a copy of all payments going back to XXXXXXXX XXXX being made the same way through XXXXXXXX XXXX along with a letter outlining the issue including the name of the contact person at XXXXXXXX XXXX that I spoke to & their business card. I received no response. Last night I received another email from Synchrony Bank saying they have not received my XXXX payment which I made through XXXXXXXX XXXX  on XX/XX/2023 for {$200.00}. When I called them today, I was told they have no record of either payment. They dont know where my {$400.00} went, that they did receive my mailed in information but that it takes 90 days for them to look at 4 pieces of paper & if they cant find what they did with my {$400.00} that I am responsible to send them another {$400.00}. They claim the only way they can track payments is if I make them through their website which is utter nonsense because they have received all of the other payments I made. I believe there is some type of fraudulent activity within their system. Where did my {$400.00} go?

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 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was a victim of the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I put my credit on freeze and realize it never was on freeze I was getting alerts asking did I apply with this creditor

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 2023-11-29 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I '' am writing you this letter regarding payments that were marked late by XXXX  for the following accounts on the following dates.. XXXX XXXX XXXX XXXX.. It is my understanding that per 15 u.s.c 1681 ( A ) ( 2 ) ( A ) ( 1 ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report payment history and late payments associated with payment history negatively impact, my consumer report and are considered as part of my transactions and experiences between me and your company.. 
Furthermore, I '' am requesting that you provide me with in writing the reasonable procedures { according to 15 u.s.c. 1666 ( B ) } That you have adopted to ensure that each period statement is mailed to me ( the consumer ) no later than 21 days before the payment due date, include all the information required by section 1637 ( B ) of title 15... 
You have 30 day from the date that you receive this latter, to provide me with this information in the allotted time given.. That i will assume that you can not verify the late payment on that date spacifled above.. 
Lacking reasonable to ensure this accuracy of my account and i would therefore request consumer reporting agency ( XXXX, TransUnion & XXXX ) or all that apply and updated the account to positives and remove the late payment from my account..

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 2023-11-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I '' am writing you this letter regarding payments that were marked late by XXXX  for the following accounts on the following dates.. XXXX XXXX XXXX XXXX.. It is my understanding that p

er 15 u.s.c 1681 ( A ) ( 2 ) ( A ) ( 1 ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report payment history and late payments associated with payment history negatively impact, my consumer report and are considered as part of my transactions and experiences between me and your company.. Furthermore, I '' am requesting that you provide me with in writing the reasonable procedures { according to 15 u.s.c. 1666 ( B ) } That you have adopted to ensure that each period statement is mailed to me ( the consumer ) no later than 21 days before the payment due date, include all the information required by section 1637 ( B ) of title 15... You have 30 day from the date that you receive this latter, to provide me with this information in the allotted time given.. That i will assume that you can not ve
rify the late payment on that date spacifled above.. 
Lacking reasonable to ensure this accuracy of my account and i would therefore request consumer reporting agency ( Equifax, XXXX & XXXX ) or all that apply and updated the account to positives and remove the late payment from my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I '' am writing you this letter regarding payments that were marked late by XXXX for the following accounts on the following dates.. XXXX XXXX XXXX XXXX... It is my understanding that per 15 u.s.c 1681 ( A ) ( 2 ) ( A ) ( 1 ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report payment history and late payments associated with payment history negatively impact, my consumer report and are considered as part of my transactions and experiences between me and your company..

Furthermore, I '' am requesting that you provide me with in writing the reasonable procedures { according to 15 u.s.c. 1666 ( B ) } That you have adopted to ensure that each period statement is mailed to me ( the consumer ) no later than 21 days before the payment due date, include all the information required by section 1637 ( B ) of title 15...

You have 30 day from the date that you receive this latter, to provide me with this information in the allotted time given.. That i will assume that you can not verify the late payment on that date spacifled above..

Lacking reasonable to ensure this accuracy of my account and i would therefore request consumer reporting agency ( XXXX, XXXX & Experian ) or all that apply and updated the account to positives and remove the late payment from my account..

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 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use.

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 2023-11-29 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: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I used my Capital One Pottery Barn card for a {$4500.00} furniture purchase and availed myself of the card 's 12 month interest free payment option. If the amount is paid off in 12 months, no interest or fees are charged, or so I was lead to believe. What they don't say is if you make any other purchases with the card during this period they will incur a 1 % fee on each purchase. Even if you pay the balance due each month. There is no way to avoid this fee, making the 12 month interest free option essentially worthless in my estimation. I feel this is deceptive even if it is disclosed in there multi-page terms of service that no one is expected to read when agreeing to apply for the card. This fee should at least be disclosed on every purchase if the 12 month interest free option is taken so that the customer has to option to use another credit card or pay cash to avoid the fee. That's what I'm doing. I won't use the card again until the {$4500.00} purchase is paid off in 12 months. They do not disclose this in the monthly statement and it took me 30 minutes on the phone with them for them to explain how their " minimum interest free payment '' was calculated, which was obviously not interest free.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In XXXX I fell behind 1 payment on my mortgage and quickly reached out to SECU to know what options I had as far as repayment plans or extensions. SECU advised after I make 6 continuous payments I would qualify for an extension. I was told to call back after I made the final 6th payment in XXXX so they could process the extension timely. I did just that by calling multiple times and messaging near the end of XXXX and again in the beginning of XXXX. Even with my communication and prompts to process the extension SECU did not process the extension timely causing an additional late charge of over {$47.00}. I had already paid approximately ( 8 ) prior late charges during the required repayment period to qualify for the extension. I even made sure to return the esigned document immediately upon receipt. The first document did not instruct for 1 of the 3 check boxes to be checked, so it had to be resent which the 2nd document did include the required check boxes so I executed properly. This all taking place after SECU paid the incorrect property tax on the lot next to mine, causing me to pay interest, fees and being in danger of county tax levy. SECU 's failure to correctly apply my escrow funds towards the correct property tax caused my escrow shortage which increased my monthly mortgage. SECU needs to improve their extension process and listen to their members when they make efforts to handle this process timely but still are charged a late fee due to SECU dropping the call. The disputed late fee is the XX/XX/XXXX late charge due to SECU not processing the extension timely. Additionally, SECU does does not consistenly provide dual party consent or mini-miranda on their collection calls. I have also experienced SECU not fully authenticating me prior to releasing account specific information. I love my membership with SECU but there needs to be sustainable change in the risk, compliance and governance of SECU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, and my Social Security number was compromised. My information was used to try to open several credit card accounts. I would like to dispute these hard inquiries and have them removed immediately please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
lam a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Affidavit. Please delete the items as soon as possible.

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 2023-11-29 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: Nelnet, Inc.
State: NY

Complaint narrative:
My student loan servicer Nelnet has inaccurately reported a missed payment in the amount of {$45.00}, which could result in financial harm to me including impacting my interest repayments and credit score. For the time being, I have paid the inaccurate balance to avoid further issues, however this mistake must be addressed and resolved immediately upon receiving this complaint. 

Additionally, an amount due of {$130.00} for XX/XX/23 is currently being shown on my dashboard, which is an inaccurate figure. 

The accurate amount I should be paying each month is the following, which I have paid each month in full ( proof is attached to this complaint ) : {$390.00} Asking me to pay any other amount, and punishing me for failing to do so, is fraudulent and abusive. 

Since reaching out to Nelnet directly means a 2+ hour wait on the phone for customer service, I'm forced to pursue other avenues like submitting this complaint. 

This is the second complaint I've been forced to submit. I will be reaching out to my congressperson about the atrocious treatment Nelnet has subjected me to. It is unconscionable to treat people in this way. 

If necessary, I am also prepared to contact a lawyer if this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, obtained a personal loan from XXXX XXXX XXXX services in XX/XX/XXXX in the amount of {$10000.00} to cover wedding cost and expenses. Per the contract/agreement The monthly installments amounts of {$430.00}, with a maturity date of of XX/XX/XXXX. 

My final two payments were made in XX/XX/XXXX. A payment in the amount of XX/XX/XXXX a payment in the amount of {$1000.00} was paid to the account. Another payment in the amount of {$900.00} on XX/XX/XXXX was also paid leaving a balance, per XXXX XXXX XX/XX/XXXX account statement, of {$8.00}. 

Recently I received an alert to my credit profile that XXXX XXXX is reporting me as delinquent. I feel that this action has caused me credit denials, decreased my fico score, and overall credit score preventing my likelihood of purchasing a home in the next two months.

Furthermore, XXXX XXXX, has violated the Fair Credit Reporting Act. More specifically the following : Section 611 - Procedure in Case of Disputed Accuracy : This section outlines the rights of consumers to dispute inaccurate information in their credit reports and the responsibilities of CRAs to investigate disputes. It requires CRAs to conduct a reasonable investigation, notify the furnisher of the information, and correct or delete any inaccurate or unverifiable information. 

Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section places specific duties on those who furnish information to CRAs. Furnishers are required to provide accurate information and to investigate disputes regarding the accuracy of information they have provided. It also mandates that furnishers update and correct information that is found to be 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 2023-11-29 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: EQUIFAX, INC.
State: GA

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 2023-11-29 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: TX

Complaint narrative:
My information with equifax has been breached. Here is the proof and they refuse to delete these accounts. 
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 XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So please delete these from my credit reports immediately as I was a victim of this data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
On XX/XX/23, I sent a certified letter of validation of debt ( I can provide reciepts and tracking number as needed for proof ). The contents of the letter is stated below : To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

Furthermore, I am requesting you to provide the following items as follows : Send me a detailed list of the history of payments made by me on this account Show me the signature that I put on the contract that states I agreed to pay you Show me any and all insurance claims filed on this debt Provide me with the chain of title that authorizes you to collect on this debt I will await your reply with the above requested proof. Upon receiving it, I will correspond back with you. 

They have negatively reported a false balance on my XXXX credit report for an account I have no knowledge of. I attempted several times to dispute this collection with the credit bureau to no avail. This company has refused to respond to my letter of validation of debt and is continuing to falsely report a collection that I do not own. 

I am sending a second certified letter today demanding they remove this false collection from my report immediately for failure to respond to my original correspondence sent XX/XX/23.

Company response to consumer: Closed with explanation