vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: ZWICKER & ASSOCIATES
State: KY

Complaint narrative:
Zwicker and Associates filed a lawsuit on behalf of XXXX XXXX back in XXXX. Zwicker than failed to prosecute the lawsuit for 15 months, until they realized my address had changed. Zwicker 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. Zwicker 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 Zwicker unethically obtained and secretly sat on, I could have filed for bankruptcy protection over 4 years ago. Please hold Zwicker 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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XX/XX/year>, I was in XXXX XXXX, XXXX on vacation. I ate at a restaurant where two men approached me, claiming to be employees. I asked for a menu, but they said there wasn't one and asked what I wanted. I ordered shrimp with rice and a passionfruit juice. When I tried to pay with my US Bank XXXX credit card, they said their system was down and we needed to go to a nearby merchant to process the payment. 

On XX/XX/year>, I discovered they had charged me {$300.00} for the meal. Assuming it was an overcharge, I submitted a dispute to US Bank. They categorized it as a mistaken overcharge and sent paperwork for me to complete. After filing the dispute, I researched and found this was a common scam at that beach. 

I collected news articles and trip reviews about similar scams and submitted this information to US Bank on XX/XX/year> ( file attached ). 

On XX/XX/XXXX, the charges reappeared on my account, so I called US Bank. The representative asked if I had received a resolution letter, which I had not. She said the charge would be credited back, but it never was. 

On XX/XX/year>, I received a letter stating my dispute was denied due to insufficient information ( file attached ). I called US Bank again and was told they would request to reopen the case and recategorize it from incorrect amount to fraud. However, nothing happened, and the charge remained, accruing interest. 

I followed up on XX/XX/year>, and was told the case had not been reopened or refiled correctly, but another request would be made. 

On XX/XX/year>, I called again and found the case still hadn't been properly handled and was still not reopened/recategorized. I spoke to a customer service supervisor who explained : 1. Dispute representatives can not remove charges or reopen cases ; they can only request case managers to do so. This had not been explained to me, so I thought my case was being processed.

2. Case managers can't receive inbound calls, even from dispute representatives ; requests are submitted electronically and no follow up information is available to the dispute representatives.

3.I would have 
to wait for a call back from a case manager supervisor. Previous call attempts were made when I couldn't answer, and no messages were left. I explained that as a full-time worker and student, I can't always answer calls. The representative told me to prioritize the call but could only give a window, not an exact time.

I am stuck in a loop of inaccurate information, dead ends, red tape, and dysfunctional processes. I feel US Bank allowed me to be scammed, and I plan to end my business with them. I recommend the CFPB investigate this and advise consumers to avoid their financial products.

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a business card with JP Morgan Chase 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 Chase 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 Chase so I assumed that it was resolved. On XXXX XXXX I saw that my 'personal " credit score was reduced by XXXX points and that Chase Business had reported this delinquency on my personal credit report. I called Chase 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 XXXX 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 XXXX and Chase 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 Chase for this error and it does not seem fair to hit the credit score by XXXX points for just a {$150.00} error with no history of any delinquent payments. 

I would like Chase to delete this entry so XXXX can update the score. Chase is telling me that they have no authority to do it and it is up to XXXX and XXXX is telling me that Chase 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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 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 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: PA

Complaint narrative:
( XXXX ) I closed on my house on XX/XX/year>. 
( XXXX ) Selene Finance is the Mortgage Company. They owe me in excess of $ XXXX in escrow. 
( XXXX ) After I emailed them asking about the whereabouts of the money, they told me that they mailed it XX/XX/year>. They mailed it to the wrong address : XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( there is no such address ). They told me to contact them so that they could void the check and reissue it if I had not received it. 
( XXXX ) I called them multiple times in early XXXX. There is nothing but a XXXX number and because I no longer have an active account with them, I can not enter the old account and I get sent nowhere ( essentially, I spin and spin ). I responded to the email, have also faxed a complaint across early XXXX XXXX ; and most recently, a week ago ( XX/XX/year> ), I sent an overnight mail letter to their headquarters in XXXX, TX. No one has responded to me by email, fax, or phone. 
( XXXX ) I have also filed a complaint with the Attorney General XXXX XXXX 
( XXXX ) I have publicly posted a complaint on XXXX against Selene Finance.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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 — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The Creditor agreed to remove collection and identified inaccurate information.They removed from XXXX  but I need the collection to be removed from XXXX immediately as well.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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: 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: GA

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 2024-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I am writing to formally dispute the garnishment of my wages by XXXX XXXX XXXX XXXX, which I believe to be a violation of my consumer rights. I request that this garnishment be investigated and if found to be in violation of the law, that it be lifted immediately. 
Under federal law, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Credit Protection Act ( CCPA ), regulations protect consumers from unfair and illegal garnishment practices. I believe that Credit Acceptance has violated one or more of these regulations in their efforts to garnish my wages. 
The following are the specific concerns that I would like to bring to your attention : XXXX. Improper notice : The FDCPA requires that a creditor provide written notice to the debtor before initiating a garnishment action. I have not received any such notice from Credit Acceptance, informing me of the intent to garnish my wages. 
XXXX. Excessive garnishment : The CCPA limits the amount that can be garnished from an individual 's wages. In my case, Credit Acceptance has garnished more than the maximum percentage allowed by law, causing me and my family undue financial hardship. 
XXXX. Invalid debt : I dispute the validity of the debt that Credit Acceptance claims I owe. I have requested validation of this debt on multiple occasions, as is my right under the FDCPA, but have yet to receive any evidence to substantiate their claim. 

XXXX. Violation of state laws : I believe that Credit Acceptance may have also violated state laws governing garnishment actions. I kindly request that you investigate these potential violations as well. 
In light of these concerns, I respectfully request that the court review

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : 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 Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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. 

This company 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 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 information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed some inaccurate, inconsistent information. I reached out to all three major credit bureaus and asked them to provide debt validation used to validate accuracy. XXXX investigated and noticed the inaccuracies and remove the account experience and XXXX has yet to Remove the account. Under the federal credit reporting act all credit bureau must be reported the same Information. If one bureau finds an account to be in accurate, incomplete or unverifiable they are to share that information with the other major credit. Bureau provided XXXX and XXXX a copy of the deletion results and they still have not removed the account below are the accounts in question and I have attached a copy of the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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