vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
RE : New Criminal Banking Business Practice & Complaint beside others : I am reporting New Huntington National Banks serious criminal banking business practice! 
I have already paid off the entire loan payment to the Huntington National Bank on XXXX and verified and confirmed by three local bank office managers, bankers, tellers, and Senior Vice President XXXX XXXX of Huntington National Bank Corporation, Foreclosure Department Manager XXXX XXXX, XXXX XXXX ; Assistant Vice President, Customer Advocate Team Lead Huntington National Bank Corporation, and many other lawyers hired by Huntington Bank. 
The collection Lawyers have confirmed that I have paid the payments and they all resigned from representing the Huntington National Bank. 
The paid amount record is shown on the Bank XXXX XXXX, {$9900.00} ; payment was confirmed and verified by all the above people. However, Huntington Bank has tried to foreclose on my home for more than 2.5 years. Huntington Bank must immediately stop the foreclosure, which I have lived in for over 30 years. I paid off all the payments and have never missed any payments to Huntington Bank. 

The Bank has attempted repeated collections through the Legal Department, Collection Lawyers, and many other people I have already paid through the Federal Bankruptcy Court : {$410000.00}, {$180000.00}, and many others! 

Huntington Bank : Criminal Banking, discrimination, stealing money, corruption, and against already paid Personal Home Line of Credit of {$30000.00}, financial exploitation, threat, fraud, discrimination, criminal abuses of senior citizens, committed various crimes, and repeated wrongful malicious foreclosures. Deceiving, threatening, falsifying, victimizing customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Today is the day before my due date on my credit card for Capital One. I mailed a payment via USPS out on XX/XX/2024 to the Capital one address in North Carolina. They still have not applied my payment to the account, now I will incur a late fee, I mailed out a payment the same day to XXXX and they applied it to my account two weeks ago. I know USPS isn't letting my payment sot in limbo. Now I will have my first late payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was overcharged on my bank account from cash app in it put my Bank of America in the negative

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 2024-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
I was evicted from my property in XXXX of XXXX. The company breached contract by not adhering to the mandatory arbitration agreement that was within my contract. The company used deceptive practices prior to the eviction. The company also went on to sell the alleged debt to a third party debt collection company that is actively seeking to extort money from me that was never owed to them. The company along with the third party debt collector is in violation of the Fair Debt Collection Practices Act and the XXXX XXXX XXXX XXXX by purchasing my non public information and causing damages to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Nelnet, Inc.
State: MO

Complaint narrative:
My Daughter asked me to co-sign for a loan for her XXXX program and is still currently in college. 

Firstmark Services has started sending me statements for payments that only have MY name and address as if I am the primary borrower on billing statements. 

My Daughters name is NO WHERE found on this statement... 

They acknowledge the student loan is currently deferred while she is still in school and are telling me they sent her the statement as well.. 

I asked why didn't you include her name on the statement sent to me?, and they say that is their protocol. 

So they are basically sending payments to parents like this as an intimidation tactic to start collecting when they know the loan is deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
The accounts listed on my credit report are incorrect and should not be combined. You have included accounts that do not belong to me, which is not only unfair but also alarming, as I have never been involved in the activities you are accusing me of. If you fail to investigate these discrepancies, I will pursue legal action.

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 2024-12-16 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed inquiries from your company that I dont recall authorizing. These inquiries are having a negative impact on my credit score, and I find this extremely upsetting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: SC

Complaint narrative:
The accounts linked to identity theft on my consumer report were added without my written authorization. These fraudulent items have caused significant emotional and financial distress, hindering critical financial goals like home purchasing. I demand the immediate blocking and removal of these inaccurate accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning, and I have no idea why theyre there. I routinely check my report, but this time I noticed unexplained discrepancies. Even after refreshing my browser, the issue didnt resolve, and the inquiries remained. I am extremely frustrated and urgently request that the documents Ive provided be reviewed carefully to ensure this never happens 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 non-monetary relief
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On Friday XX/XX/year>, my online banking was locked due to transfers I made. Rather than call to confirm, US Bank locked the account. I called and spoke with a representative who could only apologize ( despite me saying not to ) and say wait 48 hours. We are beyond 48 hours and I can not access my account. Emails to corporate on Friday and Monday were met with generic emails that passed the buck. I can not view any of my accounts with US Bank, including my two credit cards that had nothing to do with my checking account. Everyone just hides behind policy and email.

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 2024-12-16 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: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I purchased a Lexus XXXX XXXX in XX/XX/XXXX. I financed through XXXX, and purchased GAP insurance provided by Lexus. In XX/XX/XXXX, my car was flooded and declared a total loss. The insurance paid off a portion of the loan - XX/XX/XXXX and a small balance of {$5500.00} remained. In XX/XX/XXXX I contacted the GAP department and was instructed to cancel the additional services I purchased of tire and wheel, coverage provided by Lexus. Lexus issued the refund check for this service and mistakenly sent it to Lexus ( dealer ) instead of XXXX, the actual lien holder. I contacted on numerous occasions the Lexus of XXXX XXXX and was repeatedly told the manager would look into the matter, the check was never found. It took an additional 6 months for Lexus to issue a second check which should've been mailed to XXXX but was once again it was sent to Lexus ( dealer ). Lexus Financial Services continuously misfiled the paperwork, listing themselves as the lien holder. This error lead to further complications. In XX/XX/XXXX, Lexus launched an investigation into the correct lien holder, which required I submit documents to verify XXXX 's loan. 
Upon verification, Lexus sent out another check in XX/XX/XXXX but this time they forgot to include the account and VIN details, delaying the posting of the payment. By the time the payment was finally processed XXXX had sent my account into collections. This has greatly impacted and damaged my credit score. I have been unable to obtain a copy of the check or any useful information from XXXX which the collection agency now requires to resolve and clear the issue., XXXX XXXX either can not or refuses to provide the information needed to address the balance and resolve the situation. Lexus Financial has caused great and severe damage to my credit thus affecting my finances and overall life. It has been over a year and the balance is now in collections. The copy of the check is needed in order for the GAP insurance to pay out a check covering the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I contacted Experian via email to notify them I could not log into my Experian account because the identity thief changed my phone number and email address associated with my account, I was advised to fax a cover letter explaining the situation along with a request to close my experian account ( and I did so on XX/XX/year> ). To date my experian account is still open with the incorrect information and I am unable to call in because I do not have access to the phone number or email, so I will not receive any verification codes they send.

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 2024-12-16 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
regarding concerns about my credit report. I recently discovered that my personal information was compromised in a data breach, which I believe has resulted in unauthorized and inaccurate entries on my credit file. 
I'm requesting that all negative and derogatory marks, including late payments, collections, and unauthorized hard inquiries, be thoroughly reviewed and removed immediately. These items are not accurate and are a direct result of fraudulent activity due to the breach. 
I would appreciate it if you could prioritize this matter and ensure these entries are resolved within four business days. Please let me know the steps required on my end to assist in expediting this process.

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 2024-12-16 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: DE

Complaint narrative:
Subject : Complaint Against Equifax for Non-Compliance in Removing Bankruptcy Information To Whom It May Concern, I, XXXX XXXX, am filing this complaint against Equifax for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) in accurately reporting information on my credit report. This is my second formal attempt to resolve this matter, as Equifax continues to report a bankruptcy despite being provided with certified documentation proving that the U.S. Bankruptcy Court in XXXX does not share such information with third-party agencies. 

The details of this issue are as follows : Reference Number : XXXX, US BANKRUPTCY COURT-XXXX, Case Number XXXX. 
I sent certified proof from the court verifying that it does not disseminate bankruptcy information to credit reporting agencies. This documentation was sent via certified mail to Equifax and was confirmed as received. 
Despite receiving this evidence, Equifax has failed to take the appropriate corrective action to remove the inaccurate bankruptcy information from my credit report. 
This ongoing inaccuracy has caused unnecessary harm to my credit profile, leading to financial and personal consequences, including denials of credit and increased costs of borrowing. I refuse to let Equifax to continue to hinder me Additionally, XXXX failure to address this matter despite having clear evidence of the error shows a disregard for its obligations under the FCRA to maintain accurate and complete information on consumer credit reports. 

Given that this is my second attempt to resolve this matter, I am seeking the following : Immediate removal of the inaccurate bankruptcy information from my credit report.

Monetary relief to compensate for the damages I have incurred due to this negligence.

To support my complaint, I will attach the following documents : A copy of the court 's documentation proving they do not provide information to credit agencies.

Any additional evidence as required. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and hold Equifax accountable for its non-compliance. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
I discovered this morning that there are incorrect accounts on my credit report, and Im completely baffled as to how this happened. I check my credit report regularly, and this time, there were errors that seemed to appear out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The inaccuracies remained, and now Im desperate for someone to thoroughly review the documents Ive provided so I can finally stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: IL

Complaint narrative:
I sent out the same request on five separate dates ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ) asking how this was filed and explaining that this is not mine. I have never filed bankruptcy and do not understand how this is being reported on my credit report. I have not received any response to the multiple requests. This is causing several issues for me and needs to be resolved as soon as possible.

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