vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: MI

Complaint narrative:
IT APPEARS THAT THIS ITEM XXXX HAS TURNED INTO A CHARGE OFFXXXX 
XXXX XXXX XXXX BUT I NOTICE YOU NEVER SENT ME A 1099C FOR CANCELLATION OF DEBT OF THIS ITEM, DUE TO MY FINANCIAL HARDSHIP. 

If the file isnt removed you will be sued for {$1000.00} per item.15 USC 1681n ( Civil Liability )

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 2024-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
On XX/XX/2024, I contacted Halsted Financial Services in reference to account # XXXX, asking for a cease and desist of electronic communication, providing communication only through mail. In this, I also asked for the validity of the debt and its ownership. To no avail, the company did not respond to either request, as I have yet to receive validation of the debt, and I am also continuing to receive email communications about the debt that come almost daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Details of the Complaint : XXXX. Summary of the Issue : I am writing to file a formal complaint against Credit Acceptance for their improper credit reporting practices during the COVID-19 pandemic. Despite entering into a payment accommodation agreement with them due to the financial impacts of COVID-19, they have reported my account as delinquent, which is in direct violation of the CARES Act provisions.

2. Background : - Pre-COVID-19 Account Status : My account was current before the COVID-19 pandemic. 
The attached transaction history will show that we made our monthly payments between the months of XXXX and XX/XX/XXXX - Accommodation Agreement : During the pandemic, I received email communication from Credit Acceptance indicating they were providing relief options. I contacted them and agreed to make half of my monthly payments as a temporary accommodation. ( Email is attached ) - Issues with Reporting : Despite this agreement, Credit Acceptance began reporting my payments late, starting in XX/XX/XXXX ( I believe this is contrary to the requirements of the Cares Act ). In my XXXX report, as of XX/XX/XXXX, they reported me as 150 days late which shows an outside reviewer that we were delinquent from XX/XX/XXXX during the accommodation period of the Cares Act. To date, my credit report still reflects that I am 180 days late, despite having adhered to the payment arrangement. ( See the credit report attached that reflects this ). 

XXXX. CARES Act Provisions : The CARES Act stipulates the following protections : - If an account was current at the time of an accommodation, the creditor must report it as current to credit bureaus. 
- If an account was delinquent, the creditor should maintain the delinquent status but not report further delinquency during the accommodation period. 
- Once the account is brought current, it must be reported as current. 

XXXX. Request for Resolution : We request that the CFPB investigate this matter and ensure that Credit Acceptance corrects my credit reports to reflect that my account was current during the accommodation period, per the CARES Act requirements. The incorrect reporting has severely impacted my credit score and financial standing.

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 2024-06-19 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:
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 2024-06-19 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: CA

Complaint narrative:
My accounts 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/updated.

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.

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!

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 2024-06-19 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: CA

Complaint narrative:
My accounts 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/updated.

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.

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!

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 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am unaware of this alleged debt that was placed on my XXXX and XXXX consumer report ( See XXXX XXXX XXXX XXXX A ) ( See XXXX ) ( XXXX KB ) Remove and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See Exhibit B ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See Exhibit C ) If you, JEFFERSON CAPITAL SYST believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. I want this alleged debt removed from all my consumer reports effective Immediately. 

This is really disheartening to know that JEFFERSON CAPITAL SYST can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See Exhibit D ) I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. (

See Exhibit E ) To validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. JEFFERSON CAPITAL SYST license and documentation proving your authority to collect this debt from me. Additionally, I request my written consent for JEFFERSON CAPITAL SYST to have my NPI ( Non-Public Personal Information ) social security number, date of birth, address, and the contract that I agreed to publish the alleged debt to JEFFERSON CAPITAL SYST. Please be advised that this request is not an admission on my part, but rather a request for validation of
the alleged debt. Upon receipt of the requested information and verification of its accuracy, I will then be in a position to discuss resolution. Please provide the requested documentation within the timeframe specified by the FDCPA. No validation of the alleged debt may result in taking further action to protect my rights. 

Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-06-19 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:
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 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 2024-06-19 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: IN

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 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 2024-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OK

Complaint narrative:
I paid my {$3000.00} to my student loan on XX/XX/XXXX. XXXX transferred my loan on XX/XX/XXXX. 

Once my loan was transferred I logged in to pay more and noticed my {$3000.00} payment had not posted and I was still occurring interest. I called and they said they lost my payment even though I provided them with the confirmation number of the payment. 

They said it would take 60-90 days to before they would find my payment and I would continue accruing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their 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 explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-19 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:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
I am an XXXX lady, and two years ago I bought an RV. Recently, my husband passed away and I fell behind on the payments. For the past four months, I have been sending checks on a weekly basis to make it easier for me to catch up. I had noticed but when I received this month 's statement, I noticed that all the payments I have been sending to them, I would get an extra charge for the same amount ( I have attached a copy of the statement ). For that reason now I have like {$3000.00} in pending balance. To me, this is abuse of an elderly person that is trying is harder to bring my account to good standing. Bank of America wants to penalize me somehow by robbing the payments that I have made for the past 4 months. This is fraud. Please 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 2024-06-19 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: AZ

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This company never complied with the law. They never sent an initial notice that they were collecting and purchased the debt. This account is passed the statute of limitations for collection. THIS IS AN OFFICIAL CEASE AND DESIST!!!! THIS IS AN ORDER. Cease any and all forms of communication and collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: TN

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: NY

Complaint narrative:
I have a Capital One credit card. I was charged a late fee and interest on my account twice. 

On XX/XX/2023, I was charged a late fee of {$29.00} and interest charge of {$27.00}. 
On XX/XX/2023, I was charged a late fee of {$29.00} and interest charge of {$2.00}. I made both payments on the dates they were due. 

For the XX/XX/2023 payment, the due date was XX/XX/2023. I made the payment on that due date at XXXX XXXX. 
For the XX/XX/2023 payment, the due date was XX/XX/2023. I made the payment on that due date at XXXX XXXX. 
The statements and email confirmation showing the exact times I made the payment are attached. 

I spoke to XXXX at the customer service department of Capital One ( she provided me a reference number XXXX ). She said there is a cutoff time of XXXX XXXX XXXX  on the due date for those payments. I was not aware of this cutoff time. I do have other credit cards from other banks, and they would accept an online payment on due date and not charge a late fee no matter what time I make the payment. XXXX refused to refund the fees, arguing that they are valid fees. Other credit companies do refund late fees as a courtesy. XXXX said the XXXX XXXX  deadline is stated in the statements, but I had not noticed that small text in the statement, since I usually make the payment online.

In these two cases, I made the payments on the stated due dates. I was not aware of the cut off times. I was charged large fees for being a few hours late in my payment. The company did not refund the fees. The company 's rules are different than other credit companies and they are set up to maximize the fees they can charge to customers. What is the difference between making a payment at XXXX XXXX  vs XXXX XXXX on a due date. The company does not show the courtesy that other credit companies show when you ask for a refund of their large fees. Out of frustration, I cancelled my card.

Company response to consumer: Closed with explanation