vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OLD NATIONAL BANCORP
State: ME

Complaint narrative:
Hi I had my identity stolen somehow with a tax preparation program. Somehow someone got my information and opened a credit line in my name. Also now I cant file taxes using my doc sec number. I have to use a number sent by the irs every year. The credit card is from Old National Bank. I have never heard of, Applied to, Or even heard of this bank in my life. I have reported this to all three credit report companies and it appeared it had been removed But now I tried to get my credit score from XXXX and it said my balance increased again on this card? I need help to prove this is not mine somehow. I have tried every way I could look up and think of. It is hurting my credit badly. And I feel I should be able to prove it is not mine and have it deleted from all credit reports as soon as possible. I have a hard time getting loans for anything. Any help is very appreciated. Please help me. I dont know what else to do. 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 explanation
Consumer complaint received 2024-04-21 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: NY

Complaint narrative:
I sent out dispute letter to all XXXX credit bureaus on XX/XX/2024. These original creditors have inaccurate information on my credit report and have failed to respond within the XXXX day requirement.

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 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I need someone at Chase to look into my payments. Its currently displaying a returned payment yet my bank displays it as completed on XX/XX/2024. Ive gone back and forth repeatedly, calling multiple times and emailing multiple times and just keep being told that they dont see what I see which is exactly the problem Im raising. Ive waited 2 months to ensure its not simply the way the charge posted and would be corrected. Ive spent significant time trying to have this fixed and yet there payments support has been non existent. They also keep asking me to include attachments and its not possible to do so ( Ive tried both the app and on their browser version ). 

The payment in question is for {$4900.00} I really need some help to get someone from Chase to actually look into my account. 

I did have one of the payments return as I did not realize I had auto pay on and so I actually had made payments of double the amount ( auto pay and manual for the same amount ). But one of them did post and Chase is not showing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have XXXX credit cards with XXXX  XXXX. During the beginning of the Covid 19 pandemic, I lost both sources of income. I was working as a XXXX XXXX XXXX XXXX and an XXXX XXXX at XXXX XXXX over Georgia. I was unable to make the credit card payments in XXXX and XX/XX/XXXX and it was reported on my report as late payments. I contacted XXXX XXXX and was informed that the late payments were valid and could not be updated. I inquired about the CARES Act regarding late payments due to being impacted by job/income loss. 

I recently spoke with a representative at XXXX  XXXX on XX/XX/XXXX regarding the possibility of having the late payments removed due being impacted by COVID 19 pandemic and my request was declined.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have XXXX credit cards with XXXX XXXX  During the beginning of the Covid 19 pandemic, I lost both sources of income. I was working as a XXXX XXXX XXXX XXXX and an XXXX XXXX at XXXX XXXX over Georgia. I was unable to make the credit card payments in XXXX and XX/XX/XXXX and it was reported on my report as late payments. I contacted XXXX XXXX and was informed that the late payments were valid and could not be updated. I inquired about the CARES Act regarding late payments due to being impacted by job/income loss. 

I recently spoke with a representative at XXXX XXXXXXXX on XX/XX/XXXX regarding the possibility of having the late payments removed due being impacted by COVID 19 pandemic and my request was declined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have XXXX credit cards with XXXX XXXXXXXX. During the beginning of the Covid 19 pandemic, I lost both sources of income. I was working as a XXXX XXXX XXXX XXXX and an XXXX XXXX at XXXX XXXX over Georgia. I was unable to make the credit card payments in XXXX and XX/XX/XXXX and it was reported on my report as late payments. I contacted XXXX XXXX and was informed that the late payments were valid and could not be updated. I inquired about the CARES Act regarding late payments due to being impacted by job/income loss. 

I recently spoke with a representative at XXXX XXXXXXXX on XX/XX/XXXX regarding the possibility of having the late payments removed due being impacted by COVID 19 pandemic and my request was declined.

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 2024-04-21 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: FL

Complaint narrative:
I have been a victim of identity theft i would like for all inaccuracy reported on my report to be investigated, each account and inquires were not made by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NORTHWEST BANCSHARES INC
State: VA

Complaint narrative:
I opened this " My Northwest Checking '' account back in XXXX or XXXX when I lived in XXXX, which did not have any monthly maintenance fees or paper statement fees. I since moved a few times, including to XXXX and then XXXX, and forgot about this account. I had a balance of {$500.00} in my account. 

I was checking up on old accounts last month and found that this account was still open but is now an " XXXX XXXX '' and I have been charged a {$3.00} paper statement fee every month since XX/XX/XXXX, for a total of over {$150.00} over XXXX years. I was never notified of this change - otherwise I would've opted for XXXXstatements or closed my account. I also would've expected the account to have gone dormant and the balance handed over to the state 's treasury where I could receive it from the XXXX Treasury 's XXXX XXXX Department - but instead of closing my account for inactivity, Northwest continued to empty out my account month after month for years. 

I reached out to Northwest last month, who informed me that because I moved, their notification of account change over did not get delivered. I requested for a courtesy waiver of fees and refund and also to close my account and my request was denied. They also did not allow me to close my account over the phone or email and insisted I go into branch or mail a paper request to close the account. I no longer live in XXXX and the snail mail option also made it very burdensome. 

I am very disappointed in the way I have been treated by Northwest and would have expected better - either refund a customer or stop charging the fees after a certain period of dormancy on an account. The resolution I seek is the refund of all the excessive fees and the closure of 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 explanation
Consumer complaint received 2024-04-21 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: ME

Complaint narrative:
Hi I had my identity stolen somehow with a tax preparation program. Somehow someone got my information and opened a credit line in my name. Also now I cant file taxes using my doc sec number. I have to use a number sent by the irs every year. The credit card is from XXXX XXXX XXXX. I have never heard of, Applied to, Or even heard of this bank in my life. I have reported this to all three credit report companies and it appeared it had been removed But now I tried to get my credit score from XXXX and it said my balance increased again on this card? I need help to prove this is not mine somehow. I have tried every way I could look up and think of. It is hurting my credit badly. And I feel I should be able to prove it is not mine and have it deleted from all credit reports as soon as possible. I have a hard time getting loans for anything. Any help is very appreciated. Please help me. I dont know what else to do. 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
Consumer complaint received 2024-04-21 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: PA

Complaint narrative:
I have been trying to remove a charge off account XXXX from XXXX XXXX that has multiple inconsistencies and is not my account. It is ruining any chance of me getting credit of any kind. I have asked for validation of debt numerous times and have never received anything.

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 2024-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been trying to remove a charge off account XXXX from Capital One that has multiple inconsistencies and is not my account. It is ruining any chance of me getting credit of any kind. I have asked for validation of debt numerous times and have never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I applied for and was approved for a credit card thru Bank of America. received card and a separate letter stating fraud with the card the same day. Tried to activate card and would not let me.. Called the number on the fraud letter and they told me i have to go into a physical branch with XXXX forms of ID to activate.. I told the rep I live in XXXX  and we have no branches. The closest is nearly XXXX miles away in XXXX He basically said tough luck. I tried calling every number i could find to either activate the card or have it and the hard inquiries removed from all credit reports. it has already dropped my XXXX XXXX by XXXX XXXX for a card that i can not activate to use. One rep told me to dispute with the credit reporting agencies to remove it and they will. that was a lie. I tried and they would not remove it. Now I either need this card activated or completely removed from reports and BOA offers no help whatsoever. thanks

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 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/year> I initiated a payment of {$250.00} to XXXX XXXX through my XXXX XXXX XXXX XXXX 
The pay from account was selected to US Bank. 
On XX/XX/year> US Bank deducted {$250.00} ( Transfer to XXXX XXXX XXXX ) and Overdraft Fee of {$36.00}. I transferred {$300.00} from XXXX XXXX XXXX to cover the payment. I get the XXXX XXXX XXXX. 
On XX/XX/year> US Bank deducted {$250.00} ( Transfer to XXXX XXXX XXXX ) and Overdraft Fee of {$36.00}. Again I transferred {$300.00} from XXXX XXXX XXXX to cover the missing amount. 

I initiated a complaint of missing {$250.00} from my US Bank account. US Bank initiated an investigation and refunded my {$250.00} but my payment XXXX XXXX XXXX was rescinded and XXXX XXXX XXXX notified me of payment declined. 

My problem now is my account has been reduced by {$500.00} ( {$250.00} XXXX ) and refunded {$250.00} and my XXXX XXXX account payment reversed. I am missing {$250.00}. 

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 2024-04-21 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: AL

Complaint narrative:
According to FCRA Section 605b it is illegal t report information on my credit report without my permission, Thank you. Please remove this collection from my Transunion and XXXX Report. Account name XXXX XXXX with the Account number of XXXX for a balance of {$220.00}. 

On XX/XX/XXXX, I reached out to XXXX about the FCRA Sections 605B and they removed the collection from my XXXX account on XX/XX/XXXX. However, this collection is still appearing on my Transunion and XXXX Report. 

Please remove this collection from my Transunion and XXXX report with the account number XXXX and the Account name XXXX XXXX  Thanks, 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 2024-04-21 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-21 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: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, after constantly getting calls from JD Byrider I went in to purchase a car. The sales person reassured me that they could get me in a vehicle even with me not having a high down payment. I was upfront about only having a certain amount. When I got there. We went through the basics, I provided everything requiredat least thats was I thought. I was coerced into signing with a signature that isnt mine and all of the paperwork signed was not correct to the paperwork that was on the computer. Before getting to the paperwork at the end of the end of the sale. I was forced to pay first then fill out paperwork which is absolutely backwards making everything I signed after closing invalid. I paid, which is, the end of any transaction yet was coerced and forced to sign paperwork after I had already closed deal ( paid ). I was then held up for about 2 hrs to close out with paperwork that was not disclosed before paying. After asking questions about what Im being force to sign ( I was not giving what I paid for after paying until signed ) one of their employees racially discriminated against me and stepped out of bounds to rules, regulations and standards of the XXXX. I was then told, a manager would contact me regarding the matter. Its been a week and I havent heard yet from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
This debt collection company have been calling me Numerous time through out the day I have sent letters asking to stop, telling them that I dont owe the debt and the just keep harrasing me and its really hurting my credit and stoping me from living my life! Its my right under the fair credit act that they remove this from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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:
My physical address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove my business virtual : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address from my EXPERIAN report. This address belongs to my business and According the FCRA, I have a right to the fair and accurate reporting of my credit information. I am entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit data. Please remove my virtual address from my personal Experian credit report.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 explanation
Consumer complaint received 2024-04-21 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: SC

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

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, XXXX, and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with explanation