vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was {$100.00} shy of paying off my XXXX XXXX on the last month of promo and got charged {$2200.00} in interest. I explained to them how I thought it was taken care of because I had it on autopay and admitted it was my fault for being {$100.00} short ( I would have paid it off obviously ; it was an honest mistake ). They do not care. They all said they couldn't help me. I'm very devastated as I don't know how to pay this off now. How do you pay {$200.00} every month for 2 years and have a balance of {$100.00} go to {$2200.00} overnight. Very bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX GA XXXX was under a tax appeal and all real estate tax due were paid as per XXXX XXXX XXXX XXXX timely. Quicken Loans AKA Rocket Mortgage loan # XXXX, with monthly payment of {$920.00} monthly, the mortgage company made a tax payment from a non-existent escrow account. I reached out to the mortgage company to give them the details of Tax Appeal and that all tax due was paid. I demanded they remove the escrow account they created erroneously. I then made contact with XXXX XXXX XXXX XXXX office and was informed that they have returned the funds {$860.00} they received from the mortgage company. XXXX XXXX XXXX XXXX office have provided me with a copy of the canceled check # XXXX for {$860.00} ( Attached here in ) that was deposited on XX/XX/XXXX by the mortgage company. This is a complete restitution of all payments they made on my behalf. Yet they are still making collection efforts on the amount of {$1600.00} that has already been paid XXXX + XXXX {$1700.00}. Ive made many attempts to resolve this with the mortgage company and they still refuse to recognize the funds received. They are threatening to charge a late payment penalty and mar my credit rating. 
On XX/XX/XXXX Rocket said the following via an email. 
Rocket Mortgage reserves the right as the loan servicer to pay at any stage of delinquency. 
The problem with the statement is that there was never a delinquency of any kind, and they knew it at the time. It is the reason XXXX XXXX XXXX XXXX returned the funds. 

Rocket Mortgage has published false financial information on their website. 

This mortgage has been paid timely since loan origination XX/XX/XXXX. XXXX XXXX history in attachments with all the other documents I provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I noticed that my credit card statements were incorrect giving the fact I have never been able to access my credits but on my credit card billing statement its showing that I have been accessing my credits which i false statement chime has been sending XXXX XXXX XXXX  false statements i the consumer has never authorized anyone to access my credits without my authorization but the credits are still being processed. Every time I ask chime to investigate they come back with no error found I also have ask them to send proof of the signature card information which they have yet to send those documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX, Experian, and XXXX have multiple names reporting on my credit report that are inaccurate. I have requested these names be removed and they are still reporting. Also, they have inaccurate addresses in which I provided statements about already.

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 2024-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
RE : Comenity - Bealls Outlet First call I received from Comenity today telling me I was past due. I informed them that they were taking auto payments each month. They told me that started in XXXX and stopped in XXXX. I would have to go into my on-line account and set up further auto payments. I was never advised of this change and I did not request it. I feel they are simply trying to earn late fees! She advised she would mark my record that I had been advised of the delinquent account. I insisted that she also mark the account that I strongly disagreed. 

I made a second call to Comenity when I had my file available. XXXX, Employee # XXXX, advised my auto payments started in XXXX. She said there was no record of calls prior to today. However, it was by phone that I originally set up auto pay with Comenity. 

Comenity made auto payments of {$87.00} XXXX, XXXX, XXXX, XXXX, XXXX ; but in XXXX when the remaining balance was only {$87.00} they only auto paid {$59.00}??? If they had made scheduled {$87.00} payment in XXXX. towards final balance of {$87.00}, the balance would basically be paid. I feel they shorted the payment on purpose. Then when I received a bill for XXXXfor {$29.00}, I naturally assumed they would auto pay since I had never been told they cancelled auto pay. Again, trying to earn late fees! 

I paid the {$29.00} balance over the phone with XXXX. I told here I expected my balance to be cleared. She said she could only offer me {$15.00} off late fees. I told her expected the balance cleared, so she said if I didn't want {$15.00} credit she wouldn't issue. I told her to give me the {$15.00} plus clear my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
Ive reported multiple times that theses accounts doesnt belong to me and please remove them please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
Ive reported multiple times that theses accounts doesnt belong to me and please remove them please

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 2024-04-18 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: CA

Complaint narrative:
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX, at which time had family contact and request my account be frozen. As I was released from jail I became aware that my account had not been frozen and had a total of XXXX unauthorized transactions occur while I had been incarcerated. I repeatedly called customer cervice requesting an investigation and would not hear anything from them until much later as they only sent a message to a " secure inbox '' in the app, a feature I had no familiarity with. Once I was aware iof this I reached out and followed the instructions provided to initiate a proper claim and dispute the XXXX unauthorized transactions. After waiting for their investigation to complete I was informed they had denied my claim, only to see within the denial letter that they had " investigated '' the wrong dates, almost an entire year later than the claim was addressing. I have made it abundantly clear that they erroneously processed the investigation for the wrong dates, their own correspondace recognizes and makes this clear, however they are claiming that the claim has been closed and refusing to reopen it and properly investiagte the dates for which I have claimed. the date sof my claim correspond with the dates of my incarceration, yet they have for some reason unbeknownst to me chosen to investigate dates from XX/XX/XXXX to XX/XX/XXXX, these dates are completely irrelevant to the claim and never have i made any such reference to them, yet they based their investigation on those dates erroneously and the call center has refused to help rectify the situation, causing a massive hardship on my family and I.

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 2024-04-18 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: MD

Complaint narrative:
I believe FCRA 605B says we need to delete wrong accounts from my credit report. Could you please look at the papers? Some of the accounts listed are wrong in terms of reporting, with wrong amounts and dates being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: AR

Complaint narrative:
On XX/XX/2024, I reported credit report errors. It's been over XXXX days with no response. I demand action or will pursue legal steps, especially given the Equifax breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: CO

Complaint narrative:
ARS National Services has contacted me at my professional consulting line refusing to share any information unless I admit ownership of a debt that is not on any credit report. 

I was the victim of several identity thefts over XXXX years ago from XXXX and XXXX XXXX having dealt with each individually and years later I am now barraged by phone calls from this organization in excess- sometimes XXXX calls a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc.
State: NY

Complaint narrative:
After reviewing my consumer report FactorTrust has been reporting inaccurate data on my report such as inaccurate addresses and an inaccurate phone number. The inaccurate addresses FactorTrust is reporting is not deliverable to me by the XXXX XXXX XXXX and its not reported as per FCRA section 623 as its inaccurate. Also the home phone number that is being reported is inaccurate as well and needs to be removed off my consumer report immediately. Attached will be a copy of my State issued ID together with my recent bank statement to proof of my accurate address that needs to be updated on my factor trust consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/year> : XXXX - XX/XX/year> : XXXX  - XX/XX/year> :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
XX/XX/XXXX i call to get my balance will taking to XXXX of their employees she mentioned that quality for increase but thought the XXXX of XXXX was my date for increase so I applied got denied I would have asked for this increase if I thought they going to denied me it looks bad on your credit reports so basically they didn't up hold my increase

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 2024-04-18 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: NY

Complaint narrative:
Subject : TransUnion for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against TransUnion for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 
On XX/XX/2024, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX and XXXX XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 
Despite my explicit request to opt-out, I have recently discovered that TransUnion continues to furnish information related to my account with XXXX Card and XXXX XXXX XXXXn my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by TransUnion is a clear violation of my consumer rights and undermines the integrity of my credit profile. 
I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, TransUnion has not only violated my consumer rights but has also compromised my privacy and financial security. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that TransUnion ceases the unauthorized reporting of my non-public personal information on my credit report. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 
Sincerely, 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/2023 : XXXX - XX/XX/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