vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 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: The CBE Group, Inc.
State: IN

Complaint narrative:
I went through XXXX with company info on this issue. As stated, I have asked Charter Communications directly ( as told to so do ) as they reported this account as " verified '' when in fact they have not. For if they had investigated this matter thoroughly, they would have noticed that the address used for this account was not factual and that, as I explained to both sides of this matter, I have NEVER had Charter Communications for any service at all. This issue involves some $ XXXX in services which is extrodinary as I can't see any company allowing a bill this large for so long. In fact, we've had XXXX since moving to the city weve been in for these 26+ years. My ENTIRE family uses and has had XXXX for all our services. The nearly 26+ years we lived at the address we resided, we never had outside service from any company outside of the XXXX XXXX. NOBODY has contacted me directly through email as requested, showing the information noted above, and I expect these individuals to do so as requested via email. They have my email so why not send me a copy of their billing, again, as requested. If this bill is ( was ) mine ... and it is NOT ... if it shows my name/address/city or state, then there should be no legal reason why this matter should continue to drag on and my dispute won't have to go through the courts as is my next move! XXXX XXXX have their issues, but they work with ANY customer they serve and give out the correct information providing your information given can be verified ... NOT CHARTER COMMUNICATIONS as everybody must all be giving out wrong info and if you have a bill/debt with them, they do NOT want you to be able justify their means for reporting very wrong and degrading information that effects everything an individual is attempting to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/2023, I was a victim of a XXXX  where I was forced by two XXXX  to purchase jewelry at XXXX XXXX and XXXX, XXXX XXXX XXXX XXXXy in XXXX and XXXX, Washington, respectively. 

The total was {$14000.00} At XXXX XXXX, {$13000.00} of jewelry was purchased using my Juniper/Barclays Bank credit card. 

At XXXX, XXXX XXXX XXXX XXXX XXXX$1100.00} of jewelry was purchased using my Juniper/Barclays Bank credit card. 

On XX/XX/2023, I called the XXXX financial institutions involved to inform them that the purchases were under duress. 

Barclays Bank reversed the charges and began an investigation. 
XX/XX/2023 : I faxed my notarized statement with the XXXX, XXXX XXXX report number XXXX, signed Barclays Statement of Fraud , and signed Barclays Affidavit of Fraud to the Barclays Fraud Department . 

XX/XX/2023 : I received a letter dated XX/XX/2023, saying that the charges were deemed valid and that I would be responsible for them. 

XX/XX/2023 : I called Barclays, and they confirmed my investigation was still ongoing, but they wanted me to pay the balance. 

XX/XX/2023 : A representative who identified themselves as XXXX, operator identification XXXX, called me and informed me after further review that I was responsible for the charges and that Barclays does not consider duress when reviewing fraud claims. 

XX/XX/2023 : I received a letter dated XX/XX/2023, from Barclays again informing me I was responsible for the charges. The letter was identical to the one I received on XX/XX/2023.

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 2023-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TN

Complaint narrative:
originally got loan through fasfa now they sold my loan to nelnet who will not give me any information about a repayment plan to start paying it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Since XXXX a hacker entered my account in Bank of America and stole my identity and cloned my debit card the hacker made various purchases through a company named XXXX with XXXX and I explained to the bank that my account got hacked and they sent me a new debit card and I didn't authorize any purchases and the bank argue that I authorized 2 transactions for on XX/XX/XXXX but I wasn't me also my phone got hacked as well. We made 1 claim with the bank, and they refused to settle the claim and refused a reconsideration. Also, we sent an email of the evidence and mailed the pictures of everything that Bank of America sent to my phone. They closed the claim and refused to pay us the amount of {$7600.00}. They haven't sent proof of the transaction that I supposedly approved. I told them that it was the hacker who authorized the transaction and not me. The bank also told us that it was 26 transactions made from XXXX and I didn't authorize any of them. I never received any notification of any fraudulent activity and I felt unhappy with how the bank escalated this matter. Also, I don't feel secure using them in the future. They didn't protect me as a customer.

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 2023-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
I was going over my consumer report and this collection is there. Im not aware of this account and never received anything correspondence in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: CT

Complaint narrative:
Dear Trans Union : I had attempted to contact your agency by phone in regard to my XXXX XXXX XXXX XXXX services account number ending in XXXX. I contacted XXXX XXXX XXXX XXXX  in reference to the balance reported on my XXXX Credit report which was incorrect. XXXX sent the credit bureau dispute to Trans Union. My account now reads " Account in dispute '' and a remark has been added to the account. This was done in error by XXXX the dispute was for XXXX and not Trans Union. Please remove the account in dispute remark on my account because it caused my Vantage score to reduce by XXXX points as a result of the miscommunication. 

Also, the address reported as XXXX XXXX is mispelled. The correct spelling is XXXX XXXX. Please delete the mispelled address. 

Thank You for your prompt attention.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
They have an inquiry from 2022 from Kia and I dont owe a Kia at all. Never have. They have it confused with my older  brother since our social security numbers are close together and only different my the last number.

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 2023-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OK

Complaint narrative:
After multiple calls over several months where no messages were left, I finally answered a call from XXXX. A man with a heavy accent said he was a collection agent from company called ERC. He said I owed over {$700.00} to XXXX for unpaid balances in 2019. Wanted me to pay it immediately over the phone. At some point he mentioned an email address he has on file for me- which was not right. So I told him he was calling the wrong person. Then he proceeded to recite the last four digits of my SSN and my home address - which were not wrong! I ended the call quickly at that point. 

I checked my credit reports and found that ERC had filed on two of the three agencies. I have disputed the claim and locked my credit. I called XXXX to ensure my husband 's account is in good-standing- it is! And I also confirmed that my name and credit were not on that account- it's not!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
someone took a credit card out in my name ( FRAUD ) and i didnt no about it was took late they filed a judgment aginst me in XXXX well in XXXX they open the case agian and filed another judgment aginst me witch i never recived anything the second time i didnt they could only go back 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 seven 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 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 non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
During the buying process I was encouraged to use a lender provided by my real estate agent. I was put in contact with Fulton Bank. I was very clear that my current loan approval did not have any PMI associated. I was verbally promised that if I used Fulton I would get the same deal with a lower APR for the mortgage. At the last minute, right before closing, my disclosures all had PMI. I was way too far into the process at that point to switch back to the original lender that I wanted to use in the first place.

I am now over 3 years into repayment and Fulton continues to refuse to remove PMI even with an appraisal showing loan to value of 60 %. This is unfair, deceptive and causing me to waste over a XXXX dollars every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: MI

Complaint narrative:
The interest rate is more than what is allowed the maximum is 16 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My new balance with XXXX student loans is {$4400.00}. All other student loan debt was forgiven via the XXXX student loan, I have called Transunion and XXXX to have this corrrected and its stil on my report. I even provided the XXXX account statment, its attached again.

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 2023-09-23 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: FL

Complaint narrative:
My new balance with XXXX student loans is {$4400.00}. All other student loan debt was forgiven via the XXXX student loan, I have called XXXX and Equifax to have this corrrected and its stil on my report. I even provided the XXXX account statment, its attached again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: TN

Complaint narrative:
I have sent disputes for the last 3 months but have not received any updates or an investigation.

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 2023-09-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent disputes for the last 3 months but have not received any updates or an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: PA

Complaint narrative:
I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from XXXX XXXX holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: PA

Complaint narrative:
I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from XXXX XXXX holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into 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 explanation
Consumer complaint received 2023-09-23 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 seven 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 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 2023-09-23 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: PA

Complaint narrative:
I sent over my dispute for all of the impermissible information on my credit report that have been collected and resent inaccurate. There are many violations that have been placed in my first dispute and my response to the investigation. I did file a fraud report being as though I had been robbed 4 times of a huge total, but separate times from my accounts. 

My advisors suggest that I Iock my accounts with the credit unions while the investigations are being looked over. Which I locked by phone or on-line. I have been going through all my information provided in the investigation and my concern is the report was not addressed in the beginning. I was a sent an investigation report from a third party of TransUnion that reported more items than I received when I pulled my report. Multiple claims after my filing was on my report from years of inaccurate information, such as collections, addresses, phone numbers, employment history, both review and regular inquiries, etc, things not associated with me. There are accounts I've never seen before and I see multiples access to my account from the same credit department without my consent which is a violation to the FCRA, 609 stipulations, and several 15 USC Laws. These impermissible violations has made the fraud situation more stressful than I anticipated it to be. I feel extremely XXXX in more was then one with this credit union.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to 15 USC 1681A ( 2 ) Exclusions, -Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; These Accounts have violated my rights According to 15 USC 1681A : ( 1 ) .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  LATE PAYMENTS, are considered transactions. 
Therefore, all late payments should not show on my consumer 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