vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a letter dated XX/XX/year> - Payment Change Notice - Changes to your Mortgage Interest Rate and Payments Due on XX/XX/year> My loan is a Bi-Weekly ARM, Interest Rate changes every XXXX weeks and the payment gives me XXXX options. My minimum payment adjusts every 12 months. 

My current loan balance is just under XXXX. New Interest rate is 7.30 %, I do not disagree with this interest rate. My maturity date of the loan is XXXX/2034 and Wells Fargo is saying that I have XXXX payments remaining. Remember this is a Bi-weekly loan payments, I have a little of 10 years left on my loan. 

Now here is the problem- They are trying to tell me that my Principal Bi-Weekly payment starting XX/XX/year> will double to {$1100.00} plus interest. How does this even make any sense? {$1100.00} principal X XXXX payments = {$310000.00}. My loan balance is under {$120000.00}. Their payment calculation is more like a Monthly principal payment which is still $ XXXX. 

I am NOT going to start to make this payment on XX/XX/year>! This is NOT affordable since they are increasing my payment from {$800.00} to {$1500.00} including interest. My payment of {$800.00} included both Principal and Interest, I was NOT in a negative amortization situation! I was expecting my payment to increase since interest rates have gone up but not anywhere close to what they are saying since again my loan balance is under {$120000.00} and I have XXXX payments remaining! 

I called Wells Fargo and spoke to XXXX on XX/XX/year> who couldn't figure this out at all. She transferred me to XXXX who also greed with me. She was contacting the Wells Fargo XXXX department who couldn't give her an answer so she was supposed to call me back. I waited but no call. 
I called Wells Fargo again on XX/XX/year> and spoke to XXXX, he said that XXXX was supposed to call me back on XX/XX/year>. XXXX nor anyone called me back. 
I called Wells Fargo again on XX/XX/year> and spoke to XXXX. He also agreed with me that something was not calculating correctly. He tried to get XXXX on the phone back she was not in. 
XXXX now filed a dispute and issued me a XXXX # XXXX. Someone from the Executive offices should be calling me back no later than XX/XX/year> because XXXX is getting the same nonsense answer from the Adjustable department.

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 2024-06-06 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: IL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.

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 2024-06-06 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.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-06-06 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: VA

Complaint narrative:
Unauthorized inquiries appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I reached out to Navient to request an application for their School Misconduct Discharge Application for Private Loans. In a few days I received a response that I am not eligible to receive this application due to repaying these loans, but I have seen that others have received reimbursement for money paid towards those loans due to the nature of the misconduct. 

I am part of the XXXX XXXX XXXX XXXX  with a pending discharge for my federal loans through an approved Borrowers Defense application in the XXXX XXXX which is expected to receive disbursement this year. I have also had several private loans through Navient, and I would like to be able to apply for this discharge/reimbursement as my diligent repayment over nearly two decades should not disqualify me from being part of this application. These loans were taken out XXXX while attending XXXX XXXX XXXX a school with recorded misconduct charges. My Borrowers Defense was applied for in XXXX and resulted in the XXXX XXXX XXXX settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX payment was made XX/XX/XXXX instead of due date XX/XX/XXXX. 
Amex late fee {$29.00} Interest of XXXX purchases of {$2700.00} - {$44.00}. 
I use a bank bill payment by mistake I entered XX/XX/XXXX instead of XX/XX/XXXX. 
typically I pay by the XXXX of he month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: WI

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-06-06 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.

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 2024-06-06 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am rewriting the complaint to CAPITAL ONE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: IL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 non-monetary relief
Consumer complaint received 2024-06-06 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: NJ

Complaint narrative:
These accounts was never late, please ensure that all information are correct.

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 2024-06-06 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: LA

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Upon purchasing my vehicle, I was told that my payment amount was different from what the actual payment really was. I started off paying what I was told my car note was, and when I paid it, the dealership or finance company kept telling me it was a different amount. Once I would pay the amount, I was told that I was still not paying the correct amount. I would then either pay the amount that was verbalized to me or I would pay 2 payments sometimes in one month.

Nevertheless I was being marked 30 days late on my credit report multiple times when I was never 30 days late paying this account. The late payments that are reporting on my credit report are errors and need to be corrected as this is destroying my credit rating. This problem was not my fault but the fault of the finance company or dealership that gave me incorrect information.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX- {$400.00} I recieved a paid in full receipt but the account was never reported on credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> - {$450.00} This account was paid in full but doesnt reflect positively, the account was charged off. 
XXXX XXXX XX/XX/year> - {$890.00} This account is a collections which was paid in full but never reported postive on my credit. 

XXXX XXXX ( {$1200.00} ) XXXX XXXX XXXX XXXX ( {$2000.00} ) - These account are XXXXne loan, both bills now reflect on my credit but it should just be one the collections or the loan which take a major impact on my credit! Im also paying payment that arent reflecting on my credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX- {$400.00} I recieved a paid in full receipt but the account was never reported on credit report. 

XXXX XXXX XXXX XXXX  XX/XX/year> - {$450.00} This account was paid in full but doesnt reflect positively, the account was charged off. 
XXXX XXXX XX/XX/year> - {$890.00} This account is a collections which was paid in full but never reported postive on my credit. 

XXXX XXXX ( {$1200.00} ) XXXX XXXX XXXX XXXX ( {$2000.00} ) - These account are one loan, both bills now reflect on my credit but it should just be one the collections or the loan which take a major impact on my credit! Im also paying payment that arent reflecting on my credit!

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 2024-06-06 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: NV

Complaint narrative:
I received an email from Equifax and they provided the following results : 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/scrub>XXXX XXXX XXXX XXXX XXXX XXXX I contacted the creditors myself ( XXXX XXXX XXXX XXXX  ) and they stated that the company does not have my information in their system. With this information, I came to a conclusion that Equifax did not conduct a thorough investigation etc. I am frustrated that this inquiry still remains open and on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
In XXXX, I. XXXX got back, I realized my auto payments had not been being paid. I called Santander consumer and the said it was charged off. However they said I could get caught up and start making payments again and then it would be ok. So I paid my back owed and have been paying off the car for last four years. I finally paid car off and received my title. However on checking my credit report I saw that it still was showing as a charge off and a balance still owed. I disputed it through XXXX and just saw that my dispute was done so looked at the changes. The only thing that changed was the balance and that is still wrong there is no balance due but it says there. And it still shows charge of for last 4 years. Nothing reflects the fact that I got caught up with the months I was behind and paid my payments for last four years and that I have title and full ownership of this vehicle now. This is not fair credit reporting. In other words even though it was brought up to them the mistake they still refused to properly fix it and intentionally reported false info saying I still owed on it as of XX/XX/XXXX. The car was payed of last year in full. I hope I've worded this in a way that fully explains how wrong this was of them. If you need anything else please let me know if I missed anything. I need this to reflect the fact that even though I did miss those payments ( not intentionally ) I did make good on them and then continued on to pay the car off. That's what any future creditors should see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: WI

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-06-06 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: MD

Complaint narrative:
In accordance with 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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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