vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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:
PLEASE, I'M BEGGING YOU TO SETTLE THE REMAINING BALANCE FOR MY REPOSSESSION, PLEASE UPDATE THE INFORMATION LATES ON 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 2024-05-15 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: IL

Complaint narrative:
PLEASE, I'M BEGGING YOU TO SETTLE THE REMAINING BALANCE FOR MY REPOSSESSION, PLEASE UPDATE THE INFORMATION LATES ON MY CREDIT REPORT,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Nelnet, Inc.
State: MO

Complaint narrative:
accessed all XXXX reports from XXXX, XXXX AND XXXX -- XXXX AND XXXX ARE USIND DIFFERENT VARIATIONS OF MY NAME -USE ONLY THIS VARIATION XXXX XXXX XXXX XXXX REMOVE MY DATE OF BIRTH AND SOCIAL SECURITY NUMBER. REMOVE DELET CHARGES OFFS FROM ALL 3 REPORTS, DELETE STUDENT LOANS FROM ALL 3 REPORTS. I DID NOT GIVE ANY WRIITEN/NONVERBAL CONSENT FOR XXXX, XXXX, XXXX, TO REPORT ANY HARMFUL INFORMATION THAT MAY REFLECT NEGATIVLEY PER 15 USC 6802 THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHOIZATION I THE CONSUMER XXXX HAVE GIVEN WRITTEN/UNWRITTEN VERBAL/NONVERBAL FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO REPORT im now opting out from you reporting on my consumer credit report IMMEDIATLELY. Every company me a privacy notice before they furnish ANY information to MY consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Foursight Holding LLC
State: MO

Complaint narrative:
accessed all XXXX reports from XXXX, XXXX AND XXXX -- XXXX AND XXXX ARE USIND DIFFERENT VARIATIONS OF MY NAME -USE ONLY THIS VARIATION XXXX XXXX XXXX XXXX REMOVE MY DATE OF BIRTH AND SOCIAL SECURITY NUMBER. REMOVE DELET CHARGES OFFS FROM ALL 3 REPORTS, DELETE STUDENT LOANS FROM ALL 3 REPORTS. I DID NOT GIVE ANY WRIITEN/NONVERBAL CONSENT FOR XXXX, XXXX, XXXX, XXXX REPORT ANY HARMFUL INFORMATION THAT MAY REFLECT NEGATIVLEY PER 15 USC 6802 THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHOIZATION I THE CONSUMER MAY HAVE GIVEN WRITTEN/UNWRITTEN VERBAL/NONVERBAL XXXX XXXXL, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  TO REPORT im now opting out from you reporting on my consumer credit report IMMEDIATLELY. Every company me a privacy notice before they furnish ANY information to MY consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
When I tried transferring my rewards to XXXX in XXXX of this year, I was told I could not do it because my name did not match the name on my XXXX XXXX  account. 

My legal name ( XXXX XXXX XXXX XXXX XXXX ) exceeds the character limit that Chase has and the company kept cutting my name off for their record keeping ( XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ). I submitted all the documents necessary starting on XX/XX/XXXX and filed a complaint with the OCC on that same date.

I continued calling several times. I called on XX/XX/XXXX again and was told that my name had been changed but the name on the rewards account had not. I was not given a timeline on when this would be changing. No other communication was provided. 

I asked if the transfer could be overridden and approved on their end so that this would not happen again, and that request was denied. I was only told they would send me a letter with a response and was not given a timeline for that either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2024-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchronicity Bank who is doing business as XXXX XXXX tools credit has lowered my credit limit even though I have never missed a payment. What they are saying is my credit score is not high enough. My credit score is not good but it is the same credit score I have had since I got the card. My credit limit has nothing to do with my history with the company and as far as I can determine their lowering my credit has had a detrimental effect on my credit worthiness even though I have been loyal and made my payments

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 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I called Shellpoint Mortgage at XX/XX/XXXX to get payoff quote. My payment also due, I dont want to pay high interest and I am ready to payoff as soon as possible. 
Shellpoint will be charge for late fee after XX/XX/XXXX. 
Today XX/XX/XXXX I called again, they will ask XX/XX/XXXX days and still want to charge all the late fee. 
I request to email me payoff quote and they said I can not modify my request now. 
I am having so much neglected behavior from them to communicate. 
I ask there email address and they refuse to provide that too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CT

Complaint narrative:
Primary Residential Mortgage Inc. has a policy if for some reason a payment does not go through as was in my case where there is an automatic payment setup and sometimes the check can bounce even for {$1.00} for which I take a full responsibility for. However, in this case they have a policy when that happens, I have to go on 6 months certified payment method, where I have to physically get a certified check pay a fee for and then mail it which is usually certified mail and adds upwards to {$25.00} in fee per check per month for the duration of 6 months. Now the understanding and communication I received at the time was you need to send us 6 certified check for 6 months starting in XXXX as they wouldn't take a regular bank check. I sent them total of 6 certified checks since XXXX however when I called today and asked if I can pay over the phone for XXXX mortgage, thinking that I complied with their policy by sending 6 certified checks for 6 months I was notified that the lock was in place until XXXX, which means that I have to send additional 2 months of certified checks. I found that misleading and manipulative, as the XXXX of the month is the cutoff for late fees, but the fact that I have to go physically in a branch pay the fee get the check and then go to the post office pay another fee in order to mail the check. I did my repentance and for them to extended as they see it fit is not fair, it feels like the goal post moves constantly and communication is not clear. They can have all the policies they want under thXXXX XXXX XXXX if they ask for 6 months 6 certified checks, that should put me back in black, I really don't understand why are they making things so difficult when it comes to payment, if a consumer wants to pay, take the money stop finding ways and excuses which makes things more complicated than they should be, especially when we live in a world of digital instant money transfers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-05-15 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-05-15 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: FL

Complaint narrative:
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 XXXX XXXX XXXX  XXXX XXXX XXXX violated my rights 15 USC 1692c ( c ) and 15 USC 1692g

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 2024-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
AMSHER IS A THIRD PARTY COLLECTION AGENCY THAT HAS violated my privacy rights and they also violated rights under federal protection under the FCRA 15 U.S.C 1681. By reporting my information to the credit bureau company contact which is unlawful in resulowering my score and hindering me from getting new loans and credit cards. I also have audio recording of the company 's reps being very disrespectful. Third party reporting is unlawful and illegal ( especiallywithout consent ), this will result in legal matters. 
I do not consent to any companies collecting my information and selling it for their own use. Nor did the company 's notify me about reporting which is also unlawful and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I advised the company that they have reported my account a charge off effective XX/XX/XXXX when in fact I have a bankruptcy discharge effective XX/XX/XXXX. The company said they never received the notification of bankruptcy and asked me to email them proof of bankruptcy discharge and documents proving they are including in the bankruptcy discharge, and I immediately sent over the documents to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I discovered that my Chase checking account was fraudulently charged twice on XX/XX/XXXX for {$110.00} each. I filed a claim with Chase Bank on XX/XX/XXXX. On XX/XX/XXXX, Chase rejected my claim, stating that I could not prove the charges were fraudulent. These charges were made in XXXX, and I have not left the United States during this period. I believe the Chase staff handled this matter very unprofessionally, which resulted in my financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
On XX/XX/year>, I sent a cease and desist letter to XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX, regarding an alleged debt of {$2100.00} under account number XXXX and court case number XXXX. In this letter, I invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g, 15 USC 1692e ( 1 ), and 15 USC 1692c, to demand the following actions : Immediate cessation of all communications with me regarding this alleged debt, except to confirm cessation of communication or to notify of intended legal actions. 
Deletion of all tradelines associated with this account from my credit records. 
Dismissal of all ongoing legal actions related to this debt. 
Provision of a full validation of the alleged debt. 
Provision of an XXXX XXXX for the account detailing all transactions and notations. 
Despite my clear and lawful requests, Absolute Resolutions Investments LLC and XXXX XXXX XXXX XXXX. have failed to comply. They have neither ceased communication nor removed the tradelines from my credit records. Additionally, they have not dismissed the legal proceedings or provided the requested validation and XXXX XXXX. This non-compliance constitutes a violation of the FDCPA and has caused me significant stress and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Un- authorized Inquiries and accounts XXXX XXXX XX/XX/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 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 Account : XXXX REMOVE THIS IMMEDIATELY!!!! 

XXXX XXXX XXXX XXXX  Account : XXXX REMOVE THIS IMMEDIATELY!!!! 

XXXX XXXX Account : XXXX REMOVE THIS IMMEDIATELY!!!! 

XXXX Account : XXXX REMOVE THIS IMMEDIATELY!!!! 

XXXX XXXX XXXX Account : XXXX REMOVE THIS IMMEDIATELY!!!!

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 2024-05-15 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
I been trying to get them to remove this all year

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My debit card dispute claims were ignored for almost two months, then filed on my behalf with the help of a Bank of America resolution specialist for the WRONG REASON. 

My claim letter explicitly states that I am disputing charges with XXXX " because the services or goods I purchased were never delivered to me. '' I uploaded a copy of this claim letter to my original CFPB complaint ( CFPB COMPLAINT ID : XXXX ) After CFPB complaint XXXX I spoke with a resolution specialist assigned to me named XXXX XXXX, and she confirmed that she had the letter and would file the charges on my behalf. Yet, she filed the charges as " fraud '' and therefore the merchant provided basic account information and states that my deposits and withdrawals are " practically balanced '' and wants the charges dismissed. Bank of America ruled in favor of the merchant and denied all of my claims on XX/XX/year>. 

I can not defend myself against this because I never said these charges were fraudulent in the first place. They clearly were disputed under the reasoning that I didn't receive the services I paid for. Furthermore, the merchant 's evidence does not demonstrate without reasonable doubt that they provided the services. 

It is beyond infuriating that I have had to wait three months for a resolution to my claims only to find they were not submitted fairly or accurately. 

I will once again attach the original dispute letter to this complaint. I will also attach my original CFPB complaint regarding this issue which references my original dispute letter that clearly states I am disputing for services/goods not received and contains a copy of my XXXX complaint which states the same thing. I will also provide the tracking number which shows the original letter was delivered to Bank of America on XX/XX/year>.

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 2024-05-15 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation