vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: CA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: EdFinancial Services
State: NY

Complaint narrative:
It is impossible to get a hold of any customer service agents from this loan servicer. They placed my loans in administrative forbearance without any reason or documentation. They did this without notifying me or explaining why they did this. I applied for the SAVE IBR plan back in XXXX and have not heard anything back about this process or any updates about the status of my application. My loan continues to accrue interest while they ignore my phone calls and leave me in the dark about the status of my loans. this is absolutely unfair and ridiculous. Had they took action to approve my SAVE plan when i initially applied my loan would not be accruing interest for 3 months. Again, it is impossible to get a hold of a representative for EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been requesting the removal of errors on my credit report for approximately a year. The reporting companies are refusing to honor my request and delete the information. This is a violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Its like with Transunion I cant access my credit report or score online. Every time I try to log in I have to call and reset password. When I finally login I cant see report or score so I have to get them to mail it. But with XXXX and XXXX I have no issues. Then why I try to apply for credit with lenders they say they unable to verify my identity like a credit monitoring service has my credit lock or frozen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. EXETER FINANCE LLC account # XXXX 15 U.S.C 1681 section 602 states : I have right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions Of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. also when receiving a XXXX the account must be removed or the balance must state XXXX because the debt is paid and satisfied. I want the account to be removed from my credit report. Here is a copy of proof of my claim. It was approved by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
During the month of XXXX 2023, my Line of Credit account was stolen. Looks like it may have been used by another party to launder money. I was also pressured by them to send wires, with the promise that it will be reimbursed. ( There 'reimbursements ' were eventually returned ) My original balance was about {$40000.00}, Credit limit was {$150000.00}. The account shot up to over {$290000.00}. We have been trying to pay it down since. I had NO notice from the bank, Huntington National, that my account was going way past the $ XXXX limit. No alerts, email. Account was not frozen for further activity, on hold, or closed, The activity continued. The only way I found out was when my account was denied web access. I called customer service, but no reason given, only with instructions to go to bank branch, Only there I found out about the fraud and that the account was 'Stolen ' and I'm responsbile for amount of fraud. Does the bank have fiduciary responsibility to inform the customer and protect the account when it goes this far above the limit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XXXX XXXX i purchased a XXXX XXXX XXXX XXXX from the US Auto Sales dealership in XXXX, XXXX My down payment was {$1300.00}. I was informed that my license plates and tags will come in the mail within 45 days. On day XXXX XX/XX/XXXX the vehicle would not come out of park. I contacted US Auto Sales and was transferred to XXXX XXXX and was told that my warranty was voided out. I reached out again to US Auto Sales to find out that they were closed and Westlake Portfolio has taken over my account. I have made numerous calls regarding my not receiving my license plates and tags. I was given the run around. My apartment complex that's to have the car towed if i could not move it. I reached out again to Westlake after speaking with a lawyer name XXXX XXXX XXXX to request my money back and have the car repossessed. They refuse to give me my money back but said they would come get the car. The car say in the same spot for more than XXXX weeks and they never came to get the car. I had to pay {$120.00} for a movie mechanic to come fix the car so it could be moved. I continued to email and call Westlake Portfolio to get a resolution for my plates and tags with no luck. Ive down with supervisors, title department and multiple agents with no paperwork. I went to the tag office with the pairs i had from the dealership and was told they wouldn't work the company has to send in paperwork for me to get my plates ; however they would give me XXXX more temporary tag for XXXX weeks. The temporary tag expired on XX/XX/XXXX. Upon speaking with them and the lawyers the still never came to get the car or provide any paperwork for the XXXX. XXXX XXXX found an email address for me to contact them about my issue again. Upon the correspondence the person working for Westlake Portfolio said they did not have any title information and they we're sending my account to collections. I have reached out to the state with no help. It's been six months and they have yet to provide any paperwork for me to register my car. Now they are in my credit report for the full balance of the car but can not hold up their end of the deal when it comes to me being able XXXXo drive my car legally. I have the email correspondence between me, US Auto Sales, Westlake Portfolio and the lawyer. Now US Auto Sales is out of business, they closed all their dealerships and filled bankruptcy. What am i to do with a car that i can not get registered and the finance company can't produce and paperwork or try to resolve an issue I've been having for six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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 submitted a dispute with Experian, because they were still showing a balance on my XXXX loans that were XXXX earlier this year. I submitted the letter, dated XX/XX/2023, from XXXX that confirmed that my loans were at a XXXX balance and I had satisfied my obligation on the loans. Instead of removing the loans, Experian updated my balance from {$65000.00} ( my balance prior to discharge ) to {$110000.00} ( an amount far greater than I ever owed ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: TN

Complaint narrative:
Got a letter saying I owed {$740.00} for a medical service I do not remember receiving. They can not tell me what it was for other than " office visit ''. Birth date on file did not match mine nor did the insurance. I never received any bill prior to being sent to ARStrat collection agency. 

Called to resolve XX/XX/XXXX They refuse to do anything to sort out the errors in billing and sent us on a runaround where 5 different people could not help us identify what we were being billed for. 

The agency can not provide a phone number to call to get information on alleged service received. The number they provided to me for XXXX XXXX  was their California office who has no record of me. I have never received medical care in California nor was I there in in XXXX. 

XXXX XXXX transferred me 5 times including to the XXXX XXXX XXXX near my address at the time in XXXX XXXX and nobody can provide details on the account both using my birthdate and the birthdate they had on file with the collection agency. 

After a 6th phone call using the Creditor Account Number from the attached document XXXX XXXX confirmed that the person attached to this bill is not me and that ARstrat has made an error. 

I also have XXXXXXXX XXXX  with my family and text messages records with a car salesman that confirm I was working on XX/XX/XXXX and left work early to go car shopping for my daughters that I can provide if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unauthorized charges were made to my checking account by 4 vendors at XXXX XXXX in XXXX on XX/XX/23 and XX/XX/23 : XX/XX/23 XXXX. {$1300.00} XX/XX/23. XXXX. {$3100.00} XX/XX/23. XXXX XXXX XXXX. {$700.00} XX/XX/23. XXXX XXXX XXXX. {$700.00} XX/XX/23. XXXX XXXX. {$1400.00} XX/XX/23. XXXX XXXX {$26.00} XX/XX/23. XXXX XXXX. {$400.00} XX/XX/23. XXXX XXXX. {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my recent dispute with an ID XXXX regarding unauthorized and inaccurate inquiries on my credit report that was submitted last XX/XX/2023 that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: DE

Complaint narrative:
Company place fraudulent debt on my credit report from a gym located in Georgia Im a XXXX  of XXXX  I put in a ftc report and locked my credit also company called and threatened told me my credit would be affected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Made an American Express purchase XX/XX/XXXX one day before statement closed XX/XX/XXXX. Charged full month of interest before given the opportunity to pay the XX/XX/XXXX bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: EdFinancial Services
State: AR

Complaint narrative:
I XXXX XXXX attempted to pay my student loan on XXXX XXXX for XXXX which would have paid off one of my student loans. I waited for the money to be taken out of my account, and it even said processing, but then the payment said payment reversal, and the money was never taken out of my account. After this, I sent EDfinancial an email explaining the situation and letting them know I would try again and wait for the response and if I did not hear back from them or if my payment got reversed again, I would be reaching out to you guys. I attempted to pay my student loan again on XX/XX/XXXX for the same amount. This time the payment went all the way through and said received however, I looked at my account, and the money had not been removed and then upon looking at my student loan account today the loan is back on my account and says I still owe money and the money is still in my bank account. The minimum balance was e accepted on one of my loans, so only part of what I submitted was received, but the rest of my payment was reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681e ( b ) the information being reported on my credit report isnt accurate. 
My name should show as : XXXX XXXX XXXX, XXXX My address should show as : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX 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 2023-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Upon consulting with the US Dept. of Education in reference to the student loans. The Dept. of Education told me on the phone ( and it reflected on their website ) that my loans are not presently in default though the XXXX company insists that they are. A dispute was filed with the credit bureau Trans Union and Trans Union told me that they sided with XXXX. XXXX has an unfortunate and known history of not being trustworthy and Trans Union has a bad habit of believing them over the consumer. XXXX needs to stop insisting that they " are the Federal Government. '' The US Dept. of Education is the authority on the case AND is the Federal Government. XXXX has demonstrated that they do have a credibility problem and can not be trusted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We believe in the importance of transparency and fair treatment for all clients. However, our recent experiences have raised questions about the intentions behind certain practices and whether they are inadvertently causing harm to homeowners like ourselves. 

We kindly request a thorough investigation into these matters to ensure that your company upholds the highest standards of integrity according to RESPA, XXXX, XXXX, and beyond Additionally, we seek clarity on the specific reasons behind our recent rejection as we seek Mortgage Relief and attempts to pursue legal remedy or allow weaponization of the law according to the information provided seems inconsistent with our understanding of the situation and this could affect the relationship over years, equity, the effectiveness of the original contracts, transparency in real estate market in general and specifically and current issues, and the accounting issues adding onto the hardship for which occurred and being ignored. We continue offer the opportunity and seeking the kind respect to similar to ensure no damage or loss would overcome the truth and reality or giving the advantage to certain practice contracting with what the law provide to protect.

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