vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Beginning around about XXXX or XXXX of XXXX, out of nowhere a bank finance company called ALLY BANK that I used to deal with paying my XXXX XXXX XXXX ( that has been totaled since XX/XX/XXXX ) has been trying to reach out to me claiming that I still owe on this loan. However, since 4 years have now gone by, I was not sure why they were asking about payments all of a sudden. As stated this car has been totaled out since XX/XX/XXXX, my insurance through XXXX at the time. XXXX covered the expenses, and my gap insurance that I paid for as well covered the remaining balance. So its odd to me that 4 years later this company is demanding a payment. Since I refuse to pay, it has been effecting my credit score very negatively. I have tried reaching out to corporate of Ally, and no one can give me an explanation. I have also tried reaching out to the gap insurance company to pull the information of proof that they covered the remaining costs and they have also been no help, as this was 4 years ago and they said they can not pull records from that long ago. As frustrating as this is, I have no idea what to do at this point. My credit is being effected and this is not at all fair. If I had the means and opportunity I would be suing Ally bank. In the mean time I would really like for this to be resolved in any way as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 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: AZ

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.The account listed are not transactions done by myself.

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 2024-08-30 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/year> I received notification from Barlcays Bank NA that the terms of my credit card were being changed and my interest rate was being increased to my credit worthiness. I challenged the increase and was advised that bank could received approval from the Federal Reserve to increase the interest rate on MY account. Now I know this is false, as I'm pretty sure that the Federal Reserve does not review individual citizen 's credit history or account history.

Barclay 's Bank is basically lying to me and should be penalized for using the Federal Reserve as a scapegoat for their corporate greed.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-30 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
After purchasing a car and obtaining financing from Truist ( through the dealership ) in early XXXX, the dealership failed to file registration and title paperwork for the car, resulting in not being able to legally drive the car after the temporary tags expired 30 days later. While attempting to get the dealership to file the required paperwork, Truist made an automated phone call to me on XX/XX/XXXX asking if Id like to move the payment due date to XX/XX/XXXX, which I accepted. Subsequently, they reported that my account was over 30 days late based on the original due date of XX/XX/XXXX having not actually changed the due date in their system to XX/XX/XXXX. The bank is taking the position that the due date was never moved and that this was a payment arrangement. Based on the communication they made to me, I believe this was misleading and unclear that a payment arrangement does not move the due date and may impact your credit report. 

Its worth noting that I operated under the assumption that my due date was in fact moved and made a payment prior to being 30 days late, while I worked in good faith with the dealership to try to get them to file the paperwork. If they had made it clear that the payment date had not been moved, I would have sought to void the contract which I believe would have been my right due to the dealership not delivering the paperwork within the legally required 30 days.

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 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
SLS Mortgage Servicing had the mortgage on my home. In XX/XX/year>, Shellpoint Mortgage took over my mortgage. Shellpoint stated they mailed a notification letter in XX/XX/year>, but I did not receive that letter. I made my XXXX, 2024 mortgage payment to SLS on XX/XX/year> in the amount of {$850.00}. I contacted Shellpoint by phone in XX/XX/year>, spoke to a customer service representative and explained what happened, and was assured my payment would be credited. I have filed a formal complaint with Shellpoint every moth regarding this issue. Shellpoint sent me a letter in XX/XX/year> requesting a copy of the ACH withdrawal, and I sent them a copy of my XX/XX/year> bank statement. I just made my XX/XX/year> mortgage payment and Shellpoint has still not credited my account and they are showing me delinquent. This not only reflects poorly on my payment history, but on my credit report also. I want Shellpoint Mortgage to credit my account {$850.00} paid to SLS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I received XXXX XXXX XXXX from XXXX  XXXX XXXX XXXX in XXXX NJ from XXXX through XX/XX/XXXX. 

I was subsequently bill {$2100.00} for costs not covered by XXXX and/or XXXX XXXX NJ. 

In XX/XX/XXXX, I requested to apply for financial hardship and was sent the application which I completed and submitted with all requested documentation of financial hardship. 

In late XX/XX/XXXX, I received notification from Savit Collection Agemcu om XXXX XXXX NJ that they were attempting to collect {$2100.00} on behalf of XXXX. 

I notified Savit by letter dated XXXX XXXX that was disputing the debt as I was in contact with XXXX re : financial hardship and had not heard anything back. 

I subsequestly received voice mail messages from Savit representative and returned their call, advising again that the debt was in dispute and I was awaiting response from XXXX. 

On XX/XX/XXXX, I received written response from Savit regarding my dispute. In that letter, they advised that they had marked the file as in dispute and had communicated that to XXXX. In that same letter, they informed me that XXXX had informed them that my financial hardship application had been denied and that XXXX had left voice mail messages to that effect on two separate dates. 

I have not received any notification -- written or verbal -- from XXXX regarding my hardship application and am still awaiting their determination. 

In XX/XX/XXXX, I received notification from the three credit bureaus ( XXXX, XXXX, and XXXX ) that Savit had submitted the bill as unpaid. This lowered by credit rating by approximately XXXX points. 

I would like this debt removed from my credit reports immediately and to be assured that it will not be placed on my credit report until my financial hardship has been determined -- with adequate documentation -- and I have had sufficient opportunity to review and respond to that determination.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> my identity was stolen and was used to try to get loans from different banks to purchase vehicles in the State of Ohio. The thieves have all my information and tried to do everything online. I was notified by XXXXXXXX XXXX on XX/XX/year> if I was trying to request {$7500.00} for a car loan in Ohio. The reason they called me was because I live in Illinois and things did not add up and make sense that I would be in Ohio trying to do this so they called me to verify if that was me or not which I told them that it was not me. That is how I found out my identity was stolen. I immediately froze all my credit lines and put a fraud alert on. On Equifax, I disputed XXXX inquires shown below which they did not remove : >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX EQUIFAX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX EQUIFAX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX ID Type : Driver 's License ID Number : XXXX I am a victim of identity theft, and I did not make this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Bank Name 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i find it extremely unfair that I am being subjected to such actions without any prior warning or opportunity to address any potential misunderstandings. 

This situation is not only distressing but also damaging to my reputation. I kindly request an immediate review of my account and a prompt rectification of this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: CL Holdings LLC
State: LA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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:
These companies pulled my inquiries without my permission and it has negatively affected my credit scores and my chances of getting approved for loans.

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 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.The account listed are not transactions done by myself.

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 2024-08-30 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: CA

Complaint narrative:
My whole life was stolen this year. My social security number, my car, my house, everything I owned. I had 3 phones in my car when stolen, linked to my cash app account. My phone was got into, and money was sent and spent that was not me. That was fraud and I should not have been charged for being a victim of theft. My balance then went negative yet I had money ( {$200.00} ) in my savings account. Cash app will not let me get my balance, because they want me to pay that {$280.00} Im negative from when my stuff got stolen. They will not help me with disputing any of these transactions and have failed as a business. I have already paid multiple fees and things on my cash app that I unfortunately had to take the loss for, resulting in my missing out on money before the other {$280.00} was taken out and Im still going through hardships due to losing everything. Sorry I can not pay cash app because my money was fraudulently spent. Cash app has poor security services and is absolutely no help when In a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: AZ

Complaint narrative:
They said that I did not upload the correct documents for them to continue investigating my identity theft dispute for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I have attached the ftc report that they are now requesting.

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 2024-08-30 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
Rocket Mortgage bought my mortgage from another lender. In the process the information on paying the hazard insurance did not get transferred over and the insurance lapsed. I provided Rocket Mortgage Insurance carrier information every time they ask. XX/XX/XXXX, Rocket Mortgage informed me that there was no insurance, and I took steps to get new coverage within two days. Because of inaction on their part coverage did not get paid and insurance lapsed. Full Coverage presently exists on the property. 
The laps of insurance went undiscovered by me and Rocket Mortgage for over a year until XX/XX/XXXX. Insurance was immediately ordered and placed on the property. 
Rocket Mortgage now attempting to buy XXXX insurance for the lapsed period of XX/XX/XXXX - XX/XX/XXXX. The insurance would cover nothing and would be only unfair profit in their pockets, essentially a junk fee. Loan # XXXX. They tried to collect for a different time period ( see complaint # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation