vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX around XXXX I brought in a check from the IRS thaXXXX was for {$4700.00}. When I made the deposit, the clerk who is also a personal banker informed me that there may be a 10 day hold because of the dollar amount. I then went to work but before I clocked in, logged online through my personal banking phone app and seen that it was pending. When I got off I traveled on the bus and realized I was somehow locked out of my account. I called and was transferred to the fraud department who told me that they were closing my account immediately for fraud, they were not willing to verify the check with the IRS, and they would not give my check back. I got off the bus and took an uber to the bank and called the police. The police arrived and they said they will try and validate the check and of they cant in 7 days they will release the check or create a new one. However they changed their mind again and demanded a XXXX form from the IRS. I retrieved the form and submitted it to the banking center and the XXXX department said they will not accept it from the IRS. The personal banker said the fraud dept is breaking the law because they can not withhold government funds. The fraud dept said they will not give me he check back or cash it. They will report it as unclaimed and use deception by reporting that I never claimed the money. Now I am stuck without the check and the IRS said they can easily verify it. They have a normal process they can follow that they are choosing to not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2024-08-29 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
How can you guys stopped on my forbearance without informing me? 

I am impacted by Covid, and last year I evicted two tenants, I am facing Covid financial hardship. 

I see that you guys stopped by Forbearance and put my loan in default without informing me in anyway. 

On top of that you have put a legal fee of {$6900.00}, plus an inspection fee of {$30.00}, plus late fee of {$120.00}, how can you do that, when I am facing financial hardship. ( please see XXXX statement attached which I was just able to download ). 

I was not even able to login and see any of the paperwork from a long period time, it was just day before yesterday, I was able to login and see my statements and letters. 

You guys blocked me from accessing anything online. 

I also received this Loss Mitigation in the mail. 

I have a Covid Hardship going on. so please apply forbearance retroactively, waive all the late fees, inspection fee and legal fees. 

Please waive all this fee and continue with the forbearance. 

This is harassment and nothing else I called the customer service yesterday and today but there is no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: LA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
This company keeps calling and texting me saying I owe a debt that I do not and that was the result of identity theft. I have ask this company to stop contacting me I dont Know how they got my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: LA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-08-29 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: OH

Complaint narrative:
I have recently tried to put freezes on my credit at the 3 credit reporting agencies. I had no problem with 2 of them but TransUnion is very problematic. I can't sign in online due to the site crashing constantly while trying to set up an account. Calling them doesn't work either, the call always drops out after part of the required information is entered. I haven't even come close to talking to a live person. A XXXX revealed that it's a very common problem with TransUnion and has been going on for years. Who has oversight of them and why is nothing being done?

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 2024-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I've contacted Shellpoint mid XX/XX/year> since they acquired XXXX after I sent in an XXXX  payment using XXXX for {$1800.00} on XX/XX/year> to make a monthly payment. I spoke with agent XXXX Shellpoint employee number XXXX who assured me the SLS account payment would be sent over to Shellpoint within XXXX business days. I asked if I needed to report this incident to the police authorities and she again said that this happens all the time and give it until the XXXX of XXXX to be completed. She said I would not be charged for LATE FEES due to the payment. When I called again she was hesitant to give the receive code for Shellpoint so I could check with XXXX and said she has no idea where the payment is and ended the conversation. Shellpoint over the past months wrote letters saying the conversion would be seamless. This is a lie. This is but a cleaver scam for wire fraud. Because they have now sent a foreclosure notice with added late fees and CORPORATE ADVANCE BALANCE FEES {$120.00} AND AN UNAPPLIED BALANCE {$460.00} THAT THEY WONT SEND BACK TO ME. Who buys a company and has no idea about a wire transfer is. This is a scam to rack up excess fees in an economy with high inflation and have clients unable to make successful payments on time and eat up fees. all disguised as a legitimate business but running a scam and essentially wire fraud claiming to not have received money and not blocking the old method of sending it. When I initially tried sending the money to Shellpoint XXXX said it was the wrong number or not active

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to file a complaint regarding the inaccurate reporting of bankruptcy information on my credit report. The issue pertains to a bankruptcy entry listed under reference number XXXX, which was reported by Equifax. 

I have disputed the accuracy of this bankruptcy entry with Equifax and requested detailed documentation on how the information was verified. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], credit reporting agencies are required to investigate and provide verification of disputed information. However, the U.S. Bankruptcy Court in XXXX, which is the original source for bankruptcy data, does not provide such data to third parties, as confirmed by the attached letter from the court. 

Under Section 605 ( b ) of the FCRA [ 15 U.S.C. 1681c ( b ) ], bankruptcy information must be verified through the original source, which in this case is the court or an authorized entity related to the court. If Equifax did not obtain verification directly from the court, the information should be considered inaccurate and removed from my credit report. Furthermore, Section 611 ( a ) ( 5 ) ( A ) of the FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] mandates that unverifiable information must be deleted from the consumers credit report.

Despite my efforts to resolve this issue directly with Equifax, I have not received satisfactory documentation or confirmation that the bankruptcy information was verified through the proper channels. I am seeking your assistance to ensure this matter is addressed and that my credit report is corrected in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: MA

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 2024-08-30 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 name is XXXX XXXX, and I am directly submitting this complaint without any third-party intervention. Attached are letters providing detailed information about the discrepancies in my credit report. The credit bureaus Transunion, XXXX, and XXXX have reported erroneous information with inconsistent and outdated dates.

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 2024-08-30 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 name is XXXX XXXX, and I am directly submitting this complaint without any third-party intervention. Attached are letters providing detailed information about the discrepancies in my credit report. The credit bureaus XXXX, Experian, and XXXX have reported erroneous information with inconsistent and outdated dates.

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 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I want to start by reporting that I noticed a significant pattern of increased interest on my account. I called Synchrony because I noticed this pattern. I was told that my interest rate increased from XXXX % to XXXX %, unbeknownst to me. I did not receive any correspondence from XXXX about an increase in interest but I did receive a letter about a reduction in my credit line- go figure. I was told by XXXX and XXXX ( account XXXX ) that my account accrued over {$4900.00} in interest fees due to an expired promotion that ended in XX/XX/XXXX. In XX/XX/XXXX, I paid over {$1100.00} due to an expired promotion, and over {$600.00} in interest was reduced. I asked the account XXXX how Synchrony could accommodate their loyal customers. I was offered a " customer assistance plan '' which required the closure of my account ; and a " settlement offer plan '' which also resulted in the closure of my account. This is not the initial reason for calling in ( closure of my account ) ; yet, I was immediately offered this service and was belittled. The issue is not a repayment issue but the price gouging and insane interest on my account. The XXXX was very condescending. I am appalled by Synchrony 's inability to resolve this issue, even though I have been with them since XXXX. My goal is not to close my account ; rather, to reduce my interest fees. Deferred interest is a debt builder, and has always been an issue for consumers. The Consumer Financial Protection Bureau ( CFPB ) talks extensively about deferred interest on medical expenses and the amount of misleading information and burden to the consumer is astounding. Synchrony 's mission is to, and I quote from their website : " Creating financial and technology solutions to move our customers and partners toward their goals, on their terms. '' Their mission is dubious at best and seems to apply more towards their partners versus their customers. 

A complaint was filed with the XXXX  in XX/XX/XXXX with no resolution.

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 2024-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
In XXXX of XXXX, I received a bill from the United States Postal Service. It was around {$800.00} for XXXX that was given to me when I was XXXX XXXX XXXX 

In XXXX of XXXX, I paid that bill and it was a total of {$1000.00}. I submitted this for payment on XX/XX/XXXX. 

In XXXX of XXXX, I got noticed that I had a collections due to the Department of Treasury and it showed up on my credit report but I did not receive any information regarding that bill. 
In XXXX of XXXX, My credit report reported that I opened an account with the Department of Treasury and closed it within 1 month for {$280.00}. I was still unsure of what this collection was for. 

In XXXX of XXXX, I got notice that I owed XXXX and I called the XXXX XXXX services to see if this was why and they said that I owed {$280.00} because I did not pay my bill of {$1000.00} before the end of the year. 

I have proof that the bill of {$1000.00} was paid on XX/XX/XXXX of XXXX and that I should have never received a Debt Collection notice on my credit report to begin with because the debt was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

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 2024-08-30 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: FL

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries 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 explanation
Consumer complaint received 2024-08-29 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 explanation