vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : Dispute of Collection Account by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Dear Equifax Dispute Department, I am writing to dispute the collection account associated with my name and Social Security Number, which is currently being reported on my credit file by XXXX XXXX XXXX. It has come to my attention that XXXX XXXX XXXX has engaged in unlawful practices in violation of the Illinois Collection Agency Act ( IL CAA XXXX and the licensing requirements of the Illinois Department of Financial and Professional Regulation ( IDFPR ). By allowing the reporting of this account, Equifax is effectively facilitating the reporting fraud committed by an unlicensed agency. 

As a responsible consumer, I request that Equifax thoroughly investigate this matter and address the following concerns : 1. Licensing Violation : XXXX XXXX XXXX was not duly licensed by the IDFPR when they attempted to collect on the alleged debt. Their failure to secure the necessary licensing constitutes a violation of the IL CAA, which mandates that all collection agencies operating in Illinois be appropriately licensed. This violation nullifies their legal right to collect the debt and voids any associated reporting. 

2. Reporting Fraud : Considering the aforementioned licensing violation, any credit reporting associated with this account, even if accurate, must be considered illegitimate. Consequently, I demand that Equifax immediately remove any adverse information related to this account from my credit report. 

3. Investigation and Confirmation : I request that Equifax conduct a comprehensive investigation into this matter and provide me with written confirmation of the actions taken in response to this dispute, including the removal of the collection account from my credit report. 

Please be advised that if Equifax fails to comply with my requests and continues to facilitate the reporting fraud committed by XXXX XXXX XXXX, I will not hesitate to take further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I expect a prompt response and resolution of this matter. All correspondence should be sent to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
when i check my credit report you guys are saying my monthly payments are {$370.00} but then you are making me pay {$390.00} please update my payments to the right amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: USForex Inc.
State: WI

Complaint narrative:
Dear Sir/Madam, I am writing to express my concern and dissatisfaction regarding a recent money transfer I made to XXXX, which has taken over three weeks to process, and I still have no information about the status or whereabouts of the funds. This delay has caused me significant financial hardship and distress, and I believe that it is in violation of my rights as a consumer. 

On XX/XX/, I initiated a transfer of {$6700.00} to my personal account in XXXX using the services of OFX. The transaction reference number is XXXX. An automated email from OFX informed me that the transfer would be completed within 5 business days. However, after more than three weeks, the recipient has still not received the funds, and I have been unable to obtain any clear information about the current status of the transaction. 

I would like to highlight that I have made transfers using the same information to the same recipient in XXXX before, and they went smoothly within the promised 5 business days. In fact, I initiated another transfer after this delayed transaction, and it has already been successfully paid out to the recipient. This further adds to my confusion and concern regarding the current delayed transfer. 

The funds from the delayed transfer were supposed to be used for a government payment in XXXX. The extended delay has not only jeopardized this payment but has also caused additional financial strain and anxiety. 

I have contacted OFX multiple times to inquire about the delay and request assistance in resolving this matter. Unfortunately, their customer service has been unhelpful and unable to provide any concrete information about the whereabouts of my funds. This lack of transparency and communication has caused me immense frustration, and I am now concerned about the safety and security of my money. 

As a consumer, I believe that I have a right to expect prompt and efficient service when conducting financial transactions, especially when it comes to money transfers. The extended delay in processing my transfer and the lack of information about the status of the funds is not only disappointing but also damaging to my financial situation and my trust in the financial system. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against OFX if they are found to be in violation of any consumer protection laws. I would also appreciate your assistance in securing the safe and timely transfer of my funds to the intended recipient in XXXX. 

Please find enclosed copies of the transaction receipt, email correspondence, and other relevant documentation to support my complaint. 

Thank you for your attention to this matter, and I look forward to a prompt and just resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX there were several accounts opened in my name and I contacted all five of the creditors. Three of them closed the accounts immediately and removed them from the XXXX XXXXXXXX credit report. 2 of them both XXXX XXXX refused and they still show charged off accounts I did not open. On XXXX XXXX XXXX  I was falsely XXXX on XXXXXXXX XXXX XXXX which was dismissed in XXXX. However, I was under the order of the court not to go back to my home until the case was settled. From XX/XX/XXXX to XX/XX/XXXX I was living in XXXXXXXX AL  and various hotels throughout my of XXXX  and XXXX In XXXX of XXXX an account was opened with XXXX XXXX in my name. I was not allowed to go to my home but an account was opened in my name. I have all the court documentation. This year on XX/XX/XXXX an account was opened in my name with XXXX XXXXXXXX XXXX  which I had no idea of until XXXX of this year. This account was paid by someone 3 times and then went delinquent. 

I disputed all of these accounts with XXXX and but a consumer statement on my account in XXXX to contact me before extending credit and only one car loan company has followed my request. Now my credit score is drastically lower than the XXXX in the summer when this card was opened. That is not right or fair. The creditors were notified that these are not my accounts but continue to list them on my report. Please Help!

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received a 30 day late on my credit report for my HELOC loan so I called in spoke to XXXX on XX/XX/XXXX and asked had any payments been made to my account that was reported she said there had not been any payment received since XXXX. I asked her to remove the late since I would be closing out the loan XX/XX/XXXX by selling my home. She lied and said we would lose our licensing if we did that and that she could not change the reporting. XXXX offered to send a letter stating the payment was made 1 day after the XXXX day. Then retracted and said she would send me a statement when I asked her to email the letter. XXXX advised she would send the statement which I never received. After checking my account there were 2 payments made on XX/XX/XXXX & XX/XX/XXXX that were transferred due to it being late. I never received any correspondence in regard to account being late. XXXX  XXXX  updated on XX/XX/XXXX and I made the payment XX/XX/XXXX. I then reached out to XXXX on XXXX and asked the same on XX/XX/XXXX he said he would check with the collections department and get back to me. XXXX me XX/XX/XXXX to say that she had advised XXXX that she already had a conversation with me and she already told me that she was not doing to do it. XXXX proceeded tTo lie again and say we would lose our ability to pull credit and I said XXXX you and I both know this is not true. I advised her that the lender XXXX XXXX XXXX XXXXXXXX ) advised me to call and see if XXXX  would do a courtesy removal since the loan is closing and I am in the process of getting a new mortgage. I asked XXXX would another financial institution advise this if they would lose their license. I told her that she knew she made that up and that she could if she wanted to. XXXX stated that other financial institution will advise clients to see if a removal can happen and she agreed that they do happen sometimes. I asked for her senior manager after that. The fact that XXXX is lying to not work with me is gross and unacceptable. If the answer was no then it was no need to lie. The fact that payments had been made however not the whole payment but I was not contacted at any point to be reminded. I still have not received my statement in regard to this 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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. The fraudulent accounts are XXXXXXXX XXXX {$14000.00}, XXXX XXXX {$1100.00}, XXXXXXXX XXXX  {$440.00}, Midland Credit {$1300.00}, XXXX  account XXXX, XXXX XXXXXXXX, XXXX XXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. Fraudulent Inquiries : XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
This credit card was cancelled last year as I entered into a debt consolidation program. I paid off this credit card on XX/XX/2023, completely. I recently received a bill stating that I owed interest and fees. I have tried to explain the above to this company until my face has turned blue. Please tell them to reverse and cancel all fees and charges, the card had already been cancelled, I have NO CREDIT LIMIT and it was paid off by me in XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
No result. They told me this was done online and there was no way to track the people who made these inquiries. I explained that did not authorize anyone to apply for anything under my social security number. I wasnt could press charges due to not having proof of the person who did this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX continues to put negative information on my credit report for a property on a mortgage that was foreclose in 2011, this has come to light now that I am trying to purchase a new home in my credit report, further more they have sent me a 1099 - C that now is causing me a big financial deficit making me pay in taxes over XXXX dollars

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 2023-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: VA

Complaint narrative:
LoanMe is deducting twice out my checking account under the LoanMe name and XXXX XXXXXXXX XXXX. I was behind and had no alternative but to take out a loan in XXXX but the rate was 165 %. That rate should not have been charged in XXXX. I am Constantly being called by collections to make XXXX month payment arrangements for large amounts I can not afford. I have already paid over {$3000.00} that they say is only interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I have made several attempts to get the information corrected. I was on income driven repayment and forbearance with my loans but they are still reporting delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am requesting a proper re-investigation of the following accounts that have been reported back to my credit profile as verified. XXXX XXXX, XXXX, and XXXX. There are STILL accounts that are closed but open on another reporting agency. There are STILL accounts with 100 % payment history that have been confirmed to be true in favor of the collection company. My FCRA rights as a U.S citizen are STILL being blatantly violated and I am requesting that you do due diligence this time around. There was NO real investigation done, only a half-done one in which the reporting agency sided with the collector because of their business transactions I am assuming. Attached to my documents are excerpts from the FCRA bill that explains how and why I am entitled to a fair investigation and why items should be removed if they are not properly investigated and found to be 100 % accurate. 


[ 15 U.S.C. 1681 ] states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; [ 15 U.S.C. 1681 ] states Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian will not allow me to file a new dispute on my XXXX  XXXX bankruptcy. My last dispute was one year ago. I would like the item removed as it has been 7 years since discharge. XXXX has deleted the item and I think all three bureaus should be on the same page. 7 years is standard. I am trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Fraudulent accounts and inquiries appearing on credit report. 

1. XXXX {$1300.00} 2. Pa Child Support Enforcement {$16.00} 3. XXXX {$0.00} Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXXXXXX XXXX 9. XXXX XXXX 10.XXXX 11 . 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 non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, 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:
Fraudulent accounts and inquiries appearing on credit report. 

1. XXXX {$1300.00} 2. Pa Child Support Enforcement {$16.00} 3. XXXX {$0.00} Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXXXXXX XXXX 9. XXXX XXXX 10.XXXX 11 . XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I Have Few A Few Inquiries That I Dont Recognize And I Need Help Taking Them Off My Credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX & XXXX & XX/XX/XXXX. 
Bank of AMERICA IS MY COMPLAINT IS ABOUT. THEM HOLDING OF COMPANYS CHECK DEPOSITS TO PLACE THEM ON HOLDS & BLAME THE FDIC SAYING THAT THE FDIC HAS NOT released CLEARING THE CHECKS.THIS HAS BE GOING ON FOR 6 MONTHS. At CERTAIN PERIODS OF TIMES NOT EVERY TIME. OUR CUSTOMERS THE CHECKS ARE FROM ARE LONGTIME CUSTOMERS WHO PAY LIKE CLOCKWORK BY CHECKS.PLUS WE KEEP ENOUGH MONEY OR OTHER TYPE FUNDS TO COVER OUR CHECKS.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have an estate account for my grandmother at WSFS Bank. The estate settled but the account is still pending federal tax payments. As a result, I have not had any activity. However, I visited the Wilmington branch and they said if I left {$500.00} in the account I would not be charged fees. I left {$600.00}. I was then charged inactivity fees so called and was told they would refund the fee and it was a mistake. 

But, I started to be charged fees again. I called and was told again that the fee was a mistake, they would waive the fees and I didn't need to do anything else. 

I started to be charged fees again. I called and spoke to several people, including a Wilmington branch manager ( which by the way she called me honey which was inappropriate and degrading ), she said theres nothing they could do I needed to make a deposit to stop the fees. And would only waive a portion of the fees. However, this is an estate account and I thought legally I was not allowed to make transactions unrelated to the estate. 

I am asking for all of my fees to be returned which is totals around {$80.00}.

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 2023-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Ive tried to resolve this issue with Wells Fargo Bank NA in regards to a FHA mortgage that it isaid they were the holder in due course of the note and mortgage. I've was able to do a loan audit and found said loan in a XXXX XXXX XXXX called 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