vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My HELOC was sold by Figure to Specialized Loan Servicing ( SLS ) in XXXX of 2023. Ever since then, SLS has been abhorrent to work with. 
I wasn't able to access my account online for a couple of months, once I was able to access it, I was unable to make an electronic payment ( as promised ). 
I asked both a customer service representative and the website to send me email, text, and phone call notices, but I have NOT RECEIVED ANY EMAILS NOR CALLS FROM SLS. 
I set up XXXX  through XXXXXXXX XXXX, and SLS didn't even credit my last payment to my account, NOR did they contact me regarding how the payment should be applied. 
Most egregiously, when my payment was late THEY NEVER CONTACTED ME before reporting a late payment to the credit reporting agencies which had a disastrous effect on my credit score! 
I'm currently on hold with a customer service representative and just reached 44 minutes since she's said a word!?! 
What recourse do I have against Specialized Loan Servicing???

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

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 2024-04-11 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: GA

Complaint narrative:
INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts and paid, never late.

15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During Covid-19 ( Instructions Please Update to Never Late ) XXXX XXXX XXXX XXXX XXXX XXXX  Dates that need to be updated to paid, never late. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: NJ

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-04-11 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: NJ

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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, Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: NY

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, Experian, and 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 2024-04-11 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ELAN, FINANCIAL : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances.

surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I sent a letter to Navient explaining the reason that my Private student loans should be discharged and it was received on XX/XX/2024. They have not taken this matter seriously. They still keep harassing me and my wife and they will not address the issue. I know that there is an application for school misconduct discharge but they won't send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

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
Consumer complaint received 2024-04-11 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: LA

Complaint narrative:
on XXXX, i sent Transunion. XXXX, and XXXX letters disputting the inaccurate and incomplete items they are reporting on my credit report. violating 15 usc 1681e ( b ). it states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

the items that are inaccurate are the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE COPIES BELOW FOR YOUR REFERENCE

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

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 2024-04-11 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have informed XXXX XXXX XXXX. The {$3400.00} account is not mine. I have informed portfolio recovery the {$460.00} account is not mine. The account with XXXX XXXX XXXX  is not mine. I have informed them multiple times a family member used my information to open multiple accounts. I did not find out they used my information until they were no longer living in my home and I have not been able to locate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: OneMain Finance Corporation
State: FL

Complaint narrative:
A company named XXXX XXXX XXXX send me an offer letter for a loan, I called them XXXX and spoke to a gentlemen who asked me for some information and said there would be a soft inquiry on my credit report, he ready me my options I declined, When we hung up I started getting notifications that I had an inquiry a hard inquiry on my XXXX and that I had applied for a loan with One Main.

One Main called me and I told them that I had not authorized a hard credit pull so I reported to their theft and fraud department, I have sent them the letter they requested but i am requesting that the bureau oversees that this happens quickly ( the removal of the hard inquiry on my account ) as oi plan to apply for a mortgage loan soon. I would also request that the business practices of XXXX XXXX XXXX be looked into. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
To whom it may concern, I am writing to express my extreme disappointment and frustration with Sofi regarding the denial of my chargeback disputes related to unauthorized transactions on my account. 

My card was stolen and used without my authorization to make purchases totaling over {$3800.00} at stores such as XXXX  XXXX, XXXX, and XXXX. These charges were made multiple times at the same locations for large dollar amounts that are not typical of my spending habits. 

Despite my immediate action to report the stolen card and the unauthorized charges to Sofi, my chargeback disputes were denied. This is unacceptable, as I did not authorize these charges, and my bank did not alert me of these transactions or take action to stop them, even though they were clearly suspicious. 

I urge Sofi to reconsider their decision and refund the unauthorized charges to my account immediately. I also request a thorough investigation into why these charges were not flagged as fraudulent and why my chargeback disputes were denied. 

I expect a prompt response and resolution to this matter. Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: MI

Complaint narrative:
Ive told them to stop calling 2+ yrs ago. They haven't stopped. This debt collector uses a deceitful tactic, calling from a different number every time they call, changing the last two digits of their number. Although they do this, my scam protection allows me to still see their name ( Ars ). Over the last 2 yrs, they have called 97 times. 
Subject : I rented a storage unit, signing a contract. After three years of renting, the company sold to someone else. The new owner called and told me I would have to come in and sign a new contract with them. Since the price increased, I decided I would take my property elsewhere. I never signed anything, moved my things, and they are still trying to charge me for renting the unit. I did not agree to anything sign anything and owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
THIS CREDITOR I HAVE REQUESTED VALIDATION OF THIS DEBT AND THIS DEBT HAS BEEN SOLD TO ANOTHER COLLECTION AGENCY WHICH IS ALSO ON MY CREDIT REPORT TWICE. 

THE DEBT HAS NEVER BEEN VALIDATE EVEN AFTER 1 YEAR OF REQUEST FOR VALIDATION. 

REQUEST REMOVAL SINCE NO VALIDATION HAVE BEEN PROVIDED LENDING POINT LLC - score impact : low Summary Details Transactions Source : Credit Report As of XXXX XXXX, XXXX Account # XXXX Account Status CLOSED_CHARGE_OFF Payment Status Current Balance Owed {$0.00} Payment Amount {$0.00} Credit Limit -- Recent Payment History - - - - - - - - - - - - Days Late - 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX Creditor Remarks Purchased by another lender Account Type Unsecured Last Payment XX/XX/XXXX Account Verified XXXX XXXX, XXXX Date Opened XX/XX/XXXX High Balance {$15000.00} Term Length 36 Month ( s ) Payment Frequency Monthly Account Rating Payment after charge off/collection Account Description Individual account, Installment account, Unsecured

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I sent a certified letter to XXXX requesting to validate the reported bankruptcy. I also contacted the bankruptcy court and received a written response that they do not report to the credit bureaus, this letter was also sent to XXXX. XXXX continues to ignore my request and the bankruptcy must be removed, having the inaccuracy report is negatively affecting my life and a direct violation of federal laws.

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 2024-04-11 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: GA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I sent a certified letter to XXXX requesting to validate the reported bankruptcy. I also contacted the bankruptcy court and received a written response that they do not report to the credit bureaus, this letter was also sent to XXXX. XXXX continues to ignore my request and the bankruptcy must be removed, having the inaccuracy report is negatively affecting my life and a direct violation of federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bass & Associates, P.C., Attorneys at Law
State: NY

Complaint narrative:
On XX/XX/year> I sent a letter by mail asking XXXX XXXX with XXXX XXXX XXXX of XXXX XXXX to send validation of the debt they claim I owe within 30 days because according to ( FDCPA ) if the request has been received within 30 days from the date of your receipt and they don't respond, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I listed my correct address at the bottom of letter sent and signed. I then contacted XXXX XXXX by phone which she stated she received my request but instead delivered it to a totally different address even seeing my correct address listed at the bottom of the letter well after the 30 days. I believe because of this all all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately according to FDCPA. 
I have proof of all the letters sent to XXXX XXXX and the recording of the phone conversation is proof she admitted she received my letter and sees I listed my correct address and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian put Potentially Negative on my Bankruptcy from the court and this is not a bill bankruptcy shows XXXX balance it is showing on my credit report Potentially Negative and I wants to know why? and was this reported from the court

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 2024-04-11 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I sent out my personal information to be disputed/ corrected via certified mail. I have not received any signed returned correspondence that my information was properly received by the company and no other person or entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Numerous times I have contacted Navient about my school being fraudulent and about the fact that they keep raising the interest rates even though I always make on time monthly payments. I have recently found out that people are being sent forms to fill out to have their loans removed due to scam schools. I should be receiving one of these also. Not only was my school a scam school it also has lawsuits against it. I also should not be paying these high interest rates. I am furious

Company response to consumer: Closed with explanation