vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 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: FL

Complaint narrative:
XXXX XXXX My name is XXXX XXXX owner of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Florida Im reporting Exquifax commercial Solutions XXXX XXXX XXXX, XXXX GA XXXX for inaccurate information on my commercial credit file Equifax claims my company under name XXXX XXXX XXXX XXXX as per Equifax letter XXXX XXXX XXXX and Equifax Commercial Credit Report my company name under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX My company name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax inaccurate information and Equifax reporting account number XXXX ending in XXXX, not from my Company XXXX XXXX XXXXXXXX XXXX XXXX XXXX and also inaccurate company name Attached herewith Equifax letter dated XXXX XXXX, Equifax Commercial credit report Equifax account number XXXX I want inform that I never received any information for account number XXXX Account dates XXXX is XXXX 10 years lapse in which I never was informed by Equifax or credit card company about it, being contradictory also during the last 10 years I never received any collections Im requesting Equifax to delete account number XXXX ending in XXXX, not from my Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX and to send me a confirmation letter of account deleted within XXXX business days. 

This is harming my company profile. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I am having issues with getting straight answers out of MOHELA. They change their story every time I call them ( which takes multiple hours each attempt ). 

- In XXXX and XXXX I requested a bill ate change, in accordance with the process on their website. My loans were placed in a three month forbearance, and when they went into repayment the due date change STILL wasn't applied. They have no responded to my requests to change the upcoming XXXX due date. 

- My loans were placed into a forbearance without my knowledge, causing my XXXX payment to be unnecessary, and a duplicate that wouldn't count towards PSLF. When I asked for it to be refunded, they accepted the request, but I never received the refund. It's been over 30 days, which I was quoted as the outside range, and they have no answer as to where my refund is. 

They are dismissive, evasive, and are impossible to get ahold of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX 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 XXXXXX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VT

Complaint narrative:
Firstly, this is late Friday on a holiday weekend, so all that was left to me to " work things out '' was to use the message portal, which will not be seen until probably, Wednesday, XX/XX/XXXX at the earliest. ( Email stated two business days to reply, ) A vague message was on my account in XXXX, possibly earlier, about escrow review. The first indication of my having an overage was by US mail. I used the message portal to inquire if " the check went out the door '' then heard nothing for two weeks. In the meanwhile, I received a paper check for the overage and a new monthly payment amount. After receiving the check, I figured I had already received my answer, it did go out the door, and then made plans for depositing. I have no car, so I use bank by mail with XXXXXXXX XXXX. I promptly mailed them the check, which has yet to be credited, and with the holiday coming up, used my money to effectuate a prompt principal payment, and wait on the check to reimburse myself. 

Without consulting me, I learned late on Friday of a holiday weekend, they voided the check without consideration of sticking me with a potential bank fee or that I needed the funds to cover other bills for the month. They also failed to check to see if the escrow funds, via a self-loan, had been used to apply to the principal. It was so late, they had closed.

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 2023-12-23 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX 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 explanation
Consumer complaint received 2023-12-23 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: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
On the date of XX/XX/23 I enter into a consumer transaction with Huntington Bank. since then i discovered that the automobile contract miss-represented the transaction as a loan, which violated the Truth In Lending Act. 

The company charged me for interest without providing any benefit. Additional insurance charged were not included in the finance charge as required by the Truth In Lending Act. The act clearly states that the finance charge should include the sum of all charges, including interest, premium or other charges for any insurance protecting the creditor against the obligors default or other credit loss. However, as i look at my contract there is no mention of my insurance being included in the finance charge. Huntington bank failed to include an inform me the insurance cost were part of the finance charge, which must be explained conspicuously and clearly, but it wasn't which violates my federally protected rights. 
I sent a notice of dispute on the date of XX/XX/23 and the received and signed for on the date of XX/XX/23 USPS certified tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 




See attached XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
To whom it may concern : My XXXX and I moved to XXXXXXXX XXXX XXXX XXXX we took up part time residency here while we familiarized ourselves with this town and looked at places to live long term. 
While living at this residence, I found a XXXX XXXX  directly underneath our residence and both of us decided to join- with the understanding it would not be long term- same as our residency. I had been to a XXXX XXXX in California during my many years living there and was not happy with it, so I trained at other XXXX 

Fast forward, to late XXXX after I had several visits and she had been twice. We both requested terms as to the manner in which to cancel the membership ( s ) and we complied. Approximately four months later, I am reviewing a credit card statement on a XXXX XXXX XXXX I use very infrequently and noticed XXXX XXXX charges ( some charges were different that others- and no, it had nothing to do with the variance in the number of days in a month ) and then there's the simple fact that we cancelled ( independently of another ) and even though I am no longer a member, they are ( typically ) debiting my card at {$48.00} per month. 

I spoke to the manager of the specific gym in downtown XXXX XXXX XXXX XXXX, and explained the situation and he indicated there was " nothing he could do '' In the meantime I called XXXX XXXX and requested that XXXX  no longer can charge my card- and they agreed ... also wondering why " the charged amount varied ''? 

Within a few days I began to receive emails and phone calls from a collection agency by the name of Aldous and Associates demanding I pay them XXXX XXXX which I declined and re-affirmed that I cancelled in the proper manner as converted to me by an associate at the front desk. 

My credit is not flawless, but I have worked hard to pay all my obligations timely and am even making serious progress on mitigating my outstanding balances. The threat of a collection account appearing on my credit profile is very disturbing, especially when I cancelled as agreed, and then there is the ethical/moral aspect as to why would a fitness facility want to extract monies from a former customer who hasn't set foot in ANY of their facilities since XXXX XXXX XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX. I made 2 payments towards the loan. I started to receive phone calls telling me I was late for XXXX payment. After checking the transactions on their website it showed I didn't have a payment due until XX/XX/XXXX. After receiving the 1st phone call I checked the website again and found the 2 payments had been returned. At this point I was late. I called my bank XXXX XXXX and asked why the payments were stopped and was told that both should have gone through and there was no flags at all on this account. I spoke with XXXX from XXXX and he said they didn't have the ability to return a payment and that XXXX XXXX had stopped both payments. After reviewing the transactions since this loan was first started I saw strange principal/interest payments one month very low then the next month extremely high. Now that these 2 payments were returned I have to pay by debit card and pay transaction fees. This is not the first time I have issues with this company as you can see in my account history. I blame myself for getting involved with them again. But there's something very wrong and under handed with these people. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Concord Servicing Corporation
State: NC

Complaint narrative:
This 3rd party company keeps reporting and accessing private information. I do not authorize them to report anything about me to any of the credit bureaus. 

I have emailed and called them. I sent emails on XX/XX/23 and XX/XX/23. 

I hope this letter finds you well. I am writing to formally request to opt out of receiving monthly reports as per the provisions outlined in the Graham-Leach-Bliley Act ( GLBA ). 

My account information is as follows : Account Number # XXXX I understand that under the GLBA, consumers have the right to opt out of the disclosure of their nonpublic personal information to non-affiliated third parties. In accordance with this regulation, I hereby exercise my right to opt out. 

Please ensure that my decision to opt out is promptly processed, and that my nonpublic personal information is not shared with any non-affiliated third parties for marketing or other purposes. I appreciate your attention to this matter and kindly request written confirmation of my opt-out status. 

Furthermore, I must emphasize that I take the protection of my financial reputation very seriously. Any attempt to harm my financial reputation by disclosing my nonpublic personal information without my consent will be viewed as a breach of the law and a violation of my rights. I want to make it clear that I am prepared to take legal action to protect my rights and financial reputation if necessary. 

In addition to opting out of sharing my information with non-affiliated third parties, I also request that my information not be shared with any credit reporting bureaus. I want to ensure that my credit report remains unaffected by any disclosure of my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
onXXXX  XXXX 2023 XXXX credit report service stopped working and has not worked since. I pay monthly for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: VA

Complaint narrative:
On XX/XX/2023 I disputed the medical debt collections. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I did not explicitly state this was the reason I was disputing the account. Confirmation number : XXXX. On XX/XX/2023 I disputed the medical debt collections again. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. These articles I have attached to the 2nd dispute. I called and spoke to one representative who did not know about Equifax 's removal of medical debt, sent to collections, and paid in full. I was transferred to a supervisor XXXX, who only verified my information and concern then dropped the call and did not call me back. I then called another time and was told to attach a cover letter outlining my request in addition to the articles I already attached as supporting documents. Confirmation number : XXXX On XX/XX/2023, I disputed the medical debt collections again, for the third time. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I attached a cover letter explaining the removal of medical debt, paid in full, and in collections. I attached articles both to the cover letter and the dispute itself. Confirmation number : XXXX I called on XX/XX/2023 and spoke to XXXX XXXX I am at a loss and have no idea why these articles, published by Equifax aren't made aware to the dispute investigators, why the documents aren't being read, and how many more disputes until the new policy is taught to individuals. 

On XXXX XX/XX/2023 I applied for a XXXX XXXX XXXX card. I was told I was declined because of the EQUIFAX Credit report showing a Major Delinquency, the Medical Debt that is continuously ignored as medical debt in collections. The account, which should not be in my history has prevented me from attaining a financial product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX a purchase was made on my Aspire MasterCard for {$860.00} from XXXX. 

I reported the unauthorized purchase on XX/XX/XXXX. They cancelled the account and sent me a new card and emailed me a fraudulent charge affidavit on XX/XX/XXXX. 

I returned the completed affidavit on XX/XX/XXXX with all information including that I was still in possession of my card and that I had had it throughout the month. 

On XX/XX/XXXX they let me know they had reversed the charge and were continuing with the investigation. 

In XXXX the charge was put back on my account. I called on XX/XX/XXXX and was told that XXXX supplied information saying the charge was made by me. I asked if the company could send me the information that supposedly came from me and reiterated that it wasn't me. The service rep told me they'd resubmit the claim for evaluation. She asked if I had any other information I could send and I answered " I don't have any other information since I had nothing to do with the charge or knowledge of the company. '' In XXXX, I realized the charge was still showing on my account. After a little phone tag, on XX/XX/XXXX I reached a rep who ( I think ) then transfered me to the XXXX department. She said the merchant form shows they had my name, email, ID and phone number which is why they overturned the case. I asked to be sent the merchant information. She told me I had to call the office that actually does the investigations and gave me a number. 

I called the number several times and always got a voicemail asking me to leave anumber and they'd call back the next day. I left a few messages and received no call back. 

On XX/XX/XXXX I left a message and someone called back on XX/XX/XXXX. But then they said they couldn't see the full information so I should call directly to investigation ( where I though I had left the message on XX/XX/XXXX ). After hanging up, I realized the number I had just been given was the same number I had called multiple times before. I went ahead and called it again and left a message but have not heard back. 

So I've seemingly never been able to reach the people actually in charge of the investigation and have not received any documentation from Aspire or XXXX of how the charge was received and why it was approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I have no business or knowledge to this company and therefore Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41

Company response to consumer: Closed with explanation