vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
SANTANDER CONSUMER USA. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Goodwill Request for Removal of Late Payment I am writing to you regarding my auto loan account number number XXXX, I want to express my sincere gratitude for the services I have received from SANTANDER CONSUMER USA and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: MoneyLion Inc.
State: DE

Complaint narrative:
They reported that this account was Paid, Closed {$520.00} written off. I asked that they send a 1099-c so I can report to the IRS. They said they cant because it was paid from reserves. So I again asked for a 1099 if its reporting as a charge off or to remove the reporting on the credit bureaus and they again said they can not!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: BANNER CORPORATION
State: OR

Complaint narrative:
My partner and I took out a loan for a new roof at Banner Bank in XX/XX/XXXX at its XXXX, Oregon branch. The loan amount was {$15000.00} and it was unsecured. They required us to open a checking account at their bank in order to get a better interest rate on the loan -- which we subsequently learned, was 6.99 %, much higher than the going rate at that time. We were told payments would begin in XX/XX/XXXX. I started the process of having XXXX XXXX send {$170.00} to Banner Bank via Bill Pay in XX/XX/XXXX. The Bill Pay for XX/XX/XXXX went through, and no payment was made in XX/XX/XXXX, as I thought the XXXX payment would cover it. It apparently did, as no late fee was assessed on my Banner Bank statements at that time. In XXXX, XXXX, XXXX XXXX dropped the ball and did not send the {$170.00} check to Banner Bank. I did not know this until XX/XX/XXXX. I then decided to set up an ACH instead of relying on the US Postal Service to get the physical check to Banner on a timely basis. While usually a late fee is {$15.00}, they assessed a {$30.00} late fee for XXXX for {$200.00} -- {$30.00} more than the regular {$170.00} payment. On XX/XX/XXXX, I dutifully paid {$200.00} to Banner Bank via Bill Pay which posted to our XXXX XXXX account on XX/XX/XXXX and to Banner Bank on XX/XX/XXXX. I discovered in XX/XX/XXXX, that Bill Pay had never been turned off, so Banner Bank received double payments of {$170.00} for XXXX, XXXX and XX/XX/XXXX -- one from Bill Pay and a second ACH payment. Upon learning that they had not received the XXXX Bill Pay from XXXX XXXX, I agreed that they were owed the second payment in XXXX for the missed payment in XXXX, but wanted a refund of the two {$170.00} payments made via Bill Pay in XXXX and XXXX. I went down to the Bank and was told by a very rude banker, in the presence of her manager, that they could not write me a refund check for the overpayments. I subsequently transferred {$360.00} from Banner Bank to reimburse our XXXX XXXX joint account for the double payments. I thought that we were finally done with our problems with this Bank and their shady practices and record-keeping until I got my account statement from Banner Bank yesterday , XX/XX/XXXX, which stated an interest payment of {$30.00}, with another interest payment of {$6.00} and a principal payment of {$160.00}. If you add the latter two numbers, you come up with {$170.00}, the correct payment. In the lower right- hand corner, however, you see a late charge of {$30.00} -- the late charge that had already been paid way back on XX/XX/XXXX. I want the {$30.00} so-called late payment dropped.

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 monetary relief
Consumer complaint received 2024-10-11 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:
Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX  for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX  XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXXXXXX XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXXXXXX XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
There are inquiries on my credit reports from companies that I did not authorize. I do not have an account with these companies and did not authorize them to obtain my credit credit report for any use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: GA

Complaint narrative:
I am a victim Please block and remove all items in question items : XXXX XXXX XXXX {$6700.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: CA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> I applied for and received a credit card balance transfer from XXXX XXXX XXXX XXXX ( XXXX  ) to my Wells Fargo Visa Credit Card ( WFVCC ). 
The Balance Transfer transaction was approved and I was told to allow 5 to 10 business days for the transaction to be sent to Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I received a letter from XXXX stating the payments were sent as of XX/XX/year>. 

Payment was not reflected on my WFCC on line balance sheet. When Wells Fargo was contacted, they stated that the payment had to go to Wells Fargo Credit Card, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Wells Fargo Bank also expressed that XXXX should be notified to stop payment on the checks to WFCC in XXXX XXXX, IA. XXXX was notified and they issued a stop payment ; then re-issued two checks to the WFCC Office. 

On XX/XX/XXXX, the Wells Fargo on line statement reflected a deposit placed into my checking account, with only a small portion open to pay on my XXXX account on the XXXX of XXXX. The balance would be available on XX/XX/XXXX. On XX/XX/XXXX at XXXX, I payed on my WFCC Visa Account. account. On XX/XX/XXXX at XXXX, WF Bank had declined the XXXX Payment, and placed my WF Bank account in overdraft, thus depleting it's balance. 

On contacting XXXX, they showed no problems with the transactions. In contacting Wells Fargo, they had not expressed any reason for rescinding the payments that placed my checking account into an overdraft.

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 2024-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Confirmation of Removal of Fraudulent Account Dear Midland Credit Management, I am writing to formally acknowledge and confirm that this account is not accurate, and I want the fraudulent account in the amount of {$1200.00} associated with my name and Social Security number. This account was disputed under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681, and I appreciate your cooperation in resolving this matter. 
I understand that this account is fraudulent and needs to be removed from my credit report. I would like to request confirmation in writing that this account has been deleted from all credit reporting agencies and that it will not be reported in the future. 
Please consider this matter resolved, and do not hesitate to contact me if you require any further information or documentation regarding this issue. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I submitted a compliant to CFPB regarding Invitation Homes and XXXX ( in XXXX XXXX  XXXX ) complaint number XXXX. CFPB completed their investigation and found that XXXX  XXXX  and XXXX had reported in correct information on our rental tenant screening history. It was requested that they update and remove from credit reports. We assumed that it had been done since, they were advise and we also received communication that we had been added to the class action lawsuit for fraudulent rental fees, rent and wrongful eviction. We went to apply for a new apartment and were advise that it is in fact still showing on our credit and we will need re dispute provide previous dispute. I need this resolved as it has caused an unwarranted amount stress and anxiety. We can not afford to pay high security deposits for something that is not our mistake, along with having the fear of being homeless. Any help once again would be appreciated

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 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank denied my fraud claim on spurious grounds. They did so based on the existence of " Chip '' technology in a card. Coincidentally, this was when closing the account, or trying to, an moving to my credit union. I asked for how they make their findings that the fraud I asserted was, as they claim, not fraud, and they again claim it was because of Chip Technology.

It is my belief that Capital One was and is using this rejection of a fraud claim to disallow account closure. It is worth noting that this fraud claim situation is unusual for me. Which is to say, Im not a habitual claimant. I have maintained a positive business relationship with Capital One over 5 years, a term which included satisfying auto loans, credit cards, and savings accounts held in good standing. I have had minimal history of disputes, which really shouldn't matter as they are outside my control, and this is the only time a fraud claim has been denied.

The denial of this claim also coincidentally occurred after I closed my account while transitioning to my company 's credit union. This timing raises further questions about how my case has been handled, and whether sufficient attention has been given to the actual circumstances of the transaction. Why this claim? 

I believe that Capital One should honor its commitment to {$0.00} fraud liability and remove the disputed charge from my account. The use of a chip does not prove, even to a meager standard, that I authorized any transaction, especially under the heightened risks of fraud I experienced during the disaster evacuation period of XXXX XXXX. 

Enough time has gone by. I do not employ staff nor have a referral division to deal with matters like this. It is painstakingly frustrating to deal with this process knowing the denial is incorrect, poorly supported, and clearly abrupt. 

I will not ever make payment for these unauthorized charges, regardless of any finding you make because sufficed to say its not the right thing to do. I will, however, absolutely defend the merits of my position against any further attempts to cause burden or recovery these unauthorized charges from me. Even while its not a significant sum to Capital One ( ~ {$1500.00} ), its a principled issue and for these same reasons. I hope the matter may be resolved given the sum of circumstances because Capital One clearly is not reading my messages sent and our multiple conversations yield zero forward momentum.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15

U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX # XXXX {$1000.00}, XXXX XXXX XXXX {$14000.00}. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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