vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: NJ

Complaint narrative:
My account with XXXX 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 in 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX 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 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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I have no knowledge of this company or contractual agreement with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  I purchased a XXXX XXXX XXXX XXXX  at the end of XXXX in XXXX. I was charged almost {$8000.00} for a warranty I never wanted or received. When I called and copained they removed this charge on my account. However they changed the terms of my agreement and have harmed me and I want the orignal terms i signed up for. 

I signed up {$540.00} payments@ 1.9 % APR for 72 months. When they credited me back the {$8000.00} they never changed my payment from {$650.00} a month to the {$540.00} it should be at. I will then pay off the car almost 10 months earlier and I can't afford the {$110.00} more per month. 

XXXX XXXX XXXX XXXX XXXX  sold me this truck and GMXXXX Financiaal wont help me out either. 
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
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

I have sent multiples letters regarding this account with the most recent letter being XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

I have sent multiples letters regarding this account with the most recent letter being XX/XX/year>.

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 2024-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Received Phone Call on XX/XX/2024. Identified himself as an employee XXXX XXXX of Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX He said someone was trying to wire {$9000.00} dollars to someone in Florida. Her name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He said the wire started in XXXX XXXX XXXX. I told him I did not authorize any such transaction. He then asked to have control of my screen so we could verify the transactions. I questioned him about this but I allowed it. I know that was my mistake. Then we supposedly backed out that transaction. He then said they were trying to steal my identity and I needed to move the money I had in savings to a different account so they couldn't get it. I followed his instructions by going to the bank and getting the rest out and then depositing the amount into a different account. He told me I would have all my money back in XXXX hours. The account that was supposedly the one that my money is in XXXX, Routing Number and then XXXX Account Number. I never received any money and the bank says this is my fault because I authorized the transactions. Yes I did but was told by someone claiming to be them from their phone number that I was being scammed.

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 2024-06-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a business card with XXXX XXXX XXXX and left the company on XX/XX/XXXX. There was a payment due of {$150.00} on the card that I had set-up to pay prior to leaving the company. I had cancelled the card on XX/XX/XXXX prior to leaving the company. 

For some reason the {$150.00} payment did not go through and I ( or the company ) was not notified by mail/email of such delinquency. As my company XXXX was closed, not sure if they sent any notifications bu obviously I did not receive it. Somebody from XXXX called me in XXXX saying that the payment is due. I asked them to call the company/CEO to make the payment as I have no access or authority to pay and that they would take care of it as there was no intention of not paying it. 

I did not hear anything back from XXXX so I assumed that it was resolved. On XXXX XXXX I saw that my 'personal " credit score was reduced by XXXX points and that XXXX XXXX XXXX reported this delinquency on my personal credit report. I called XXXX to find out what is going on and they informed me that the amount was not paid. I immediately asked the company to pay the amount ( which was now {$270.00} including late fees )- it was paid on XX/XX/XXXX. I opened a dispute with Experian to remove this entry from my credit report so my score can be adjusted back to Excellent ( XXXX ) as it was only a one time issue and I have never had a late payment. The account is already closed and there is no risk of any future late payments. 

For the past few days I have been going back and forth with Experian and XXXX to resolve this issue and they keep pointing the finger at each other as they will not remove this entry from my credit report. I am not disputing that it was late as it somehow feel through the cracks but now that it is resolved, it should be removed. 

Note that I never received any mail/email notification from XXXX for this error and it does not seem fair to hit the XXXXredit score by XXXX points for just a {$150.00} error with no history of any delinquent payments. 

I would like XXXX to delete this entry so Experian can update the score. XXXX is telling me that they have no authority to do it and it is up to Experian and Experian is telling me that XXXX has to delte/remove it so that they can update the score, so I am not sure as a consumer how to resolve this issue. 

Thanks 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 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: KY

Complaint narrative:
XXXX XXXX XXXX filed a lawsuit on behalf of Discover Bank back in XXXX. XXXX than failed to prosecute the lawsuit for 15 months, until they realized my address had changed. XXXX deliberately sent court notices for a summary judgement hearing to an address they knew was no longer a good address for me. They were able to get a summary judgment because I was not at the hearing. The deliberately tried to " back door '' a summary judgment by unethically, and in violation of due process, giving notice to an address they knew was no longer a good address. The court issued a judgement after the hearing back in XXXX. Four years later I became aware of the judgment. XXXX sat on the judgment, without my knowledge there was a judgment, for four years ; in hopes of someday being able to garnishes wages of accounts. Once I found out about the judgment I filed a motion to void that judgment for due process violations, etc. The court voided the judgement. However, the damages is done. Had I been aware of the judgment that XXXX unethically obtained and secretly sat on, I could have filed for bankruptcy protection over 4 years ago. Please hold XXXX responsible for the abusive and unethical collections practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-27 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: OH

Complaint narrative:
On XX/XX/year>, I received an alert through XXXXXXXX XXXX and Experian that my credit was ran for a credit card application through XXXXXXXX XXXX. I went through the process of reporting this as fraud as I did NOT apply for a credit card. XXXX was able to connect me with XXXX where they closed the application and marked it as fraud. XXXX also put a hold on my credit report for 1 year so anytime I ( or someone ) attempted to open any line of credit or take out a loan, the bank would have to notify me to confirm this. 

On XX/XX/year>, I received another alert through XXXX XXXX and Experian that my credit was ran again for another credit card application through XXXXXXXX XXXX. Once again, I ran through the steps to mark that application as fraud and this time I placed a freeze on my credit report through Experian. I worked with XXXX to close the application at XXXX and they marked it as 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 2024-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased an item with a discount price {$14.00} at Victoria 's Secret and applied for a store credit card, which I never received by mail. On XX/XX/XXXX, much earlier than the due date, I made a {$14.00} payment over the phone and received confirmation that the payment had been processed. Today, XX/XX/XXXX, I received a call from a private number claiming I owe around {$68.00} ( approximate amount ) due to a bank rejection. During the call, the person insisted they had all my information and offered to reduce the amount to around {$38.00} if I agreed immediately. However, I grew suspicious, so I contacted customer service again. They mentioned a different amount owed, around {$71.00}, and asked me to check my bank statement for any record of payment rejection. Yes, I found no record of the {$14.00} payment or any related transactions. But shouldn't I have received any information about this rejection or subsequent charges earlier, not until today? I firmly believe I should only owe the initial {$14.00}. Therefore, I've requested the account be closed to avoid any further interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wallet was stolen XXXX my bank cards and credit cards were stolen and whoever stole it went inside the XXXX store and charged my debit {$2200.00} worth of items. I called my bank Wells Fargo and told them and they told me theres nothing they can do about it, I repeatedly called and they told me they will not pay me my money back. I dont understand this I need your help 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 explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The economy is bad but so is my credit report and scores which are much way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-06-27 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: NY

Complaint narrative:
The economy is bad but so is my credit report and scores which are much way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-06-27 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: IL

Complaint narrative:
My account with ( XXXX  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 in ( MONTHS REPORTING LATE ) 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX 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 2024-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I requested a modification back on XX/XX/XXXX of 2024. I still havent received the modification letters. They keep telling me that everything is complete. They dont need anything that worked on the modification then they come back and say well we still need this to finish up the application and is information that I have already sent them that they already have, or is information that they have and they didnt even take time to look at it and previously asked for that weeks ago had you asked for this whole process is horrible. They just been going back-and-forth back-and-forth with me since XXXX XXXX nothing has been resolved resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation