vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My moorage company BSI Financial claims I'm behind on my moorage payments I have sent a check in the amount of {$1900.00} on the 3rd of each month so my payment is in before the XXXX of each month they are after me to make up late fee because they have cashed 4 checks after the XXXX making my payments late they are wanting XXXX dollars now it was XXXX I can't pay them that even if I tried they are telling me if I don't make it up it will go in to foreclosure they have posted it showing I'm late on the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: I.C. System, Inc.
State: MO

Complaint narrative:
Subject : Cease and Desist - Unauthorized Credit Reporting and Violation of XXXX and XXXX XXXX XXXX Dear I.C. SYSTEM, INC, I am reaching out to address a serious matter concerning the unauthorized reporting of information to my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX XXXX identity theft fraud laws. 

It has come to my attention that I.C. SYSTEM, INC has been engaging in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA unequivocally mandates that consumer consent is a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

Moreover, XXXX XXXX identity theft fraud laws reinforce the gravity of unauthorized access and misuse of personal information, further emphasizing the severity of the situation. 

I want to make it unequivocally clear that I have not granted consent for I.C. SYSTEM, INC to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights, potentially damaging my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, without hesitation, that I.C. SYSTEM, INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX identity theft fraud laws. Failure to comply within the specified 30-day timeframe will be interpreted as willful noncompliance, subject to penalties under applicable laws. 

I want to stress that obtaining consent is not optional but a legal obligation under the FCRA and XXXX XXXX laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting practices. 

I expect your prompt attention to this matter and anticipate that I.C. SYSTEM, INC will promptly rectify these violations, respecting my rights under federal and XXXX XXXX laws. 

Sincerely, 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 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citi Simplicity Card.carrying a balance composed of : Balance transfer ( about $ XXXX 1.99 % ) XXXX  ( $ XXXX 7.99 % ) The 1.99 % Balance Transfer promotional rate expired on XXXX XX/XX/year>. 
With the purpose of avoiding the 21.24 % rate that would now be applied to said balance, and based on what it says on their statement ( " As required by law, payments above your Minimum Payment Due generally go toward balances with higher APRs first. " ), and also based on previous experience ( with XXXX  XXXX XXXX ), on XXXX, -when the APR already went to 21.24 %, I decided to make a {$2000.00} payment to the credit cards. That would cover the the minimum due ( {$180.00} ) leaving about {$1800.00} to be applied to the {$1800.00} ). 

To my susprise, the statement came in showing the applied the excess ( almost all of those {$2000.00} ), to the XXXX XXXX, leaving me with a $ XXXX balance subject to a 21.24 % I called them, and after a convoluted explanation about how their system works, they pretty much told me that's how it is. They offered no alternative at all.

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 2024-05-24 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: VA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-24 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: SC

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
I request a thorough investigation into all inaccuracies present on my credit report. These inaccuracies include erroneous account information, inaccurate payment histories, and incorrect personal details. Furthermore, I ask that you take appropriate action to delete or correct these inaccuracies promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: KY

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXXXX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: OH

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I requested that companies remove unauthorized inquiries and they refused. 
XXXX XXXX XXXX XXXX XXXX XXXX American credit acce, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: Westlake Services, LLC
State: FL

Complaint narrative:
I requested that companies remove unauthorized inquiries and they refused. 
XXXX XXXX XXXX, XX/XX/year>XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> 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 2024-05-24 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: CO

Complaint narrative:
I emailed XXXX XXXX XXXX XXXXXXXX XXXX about the account and I got a call from one of the representatives ( XXXX id # XXXX ) who in the department and they said they dont have the account information in there system. I asked for a letter over the phone and they said I couldnt get a letter and to dispute it with the credit bureau. I tried to but they keep updating it with inaccurate information and I want the account deleted.

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 2024-05-24 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: CO

Complaint narrative:
I emailed XXXX XXXX XXXX XXXXXXXX XXXX about the account and I got a call from one of the representatives ( XXXX id # XXXX ) who in the department and they said they dont have the account information in there system. I asked for a letter over the phone and they said I couldnt get a letter and to dispute it with the credit bureau. I tried to but they keep updating it with inaccurate information and I want the account deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I emailed XXXX XXXX XXXX XXXXXXXX XXXX about the account and I got a call from one of the representatives ( XXXX id # XXXX ) who in the department and they said they dont have the account information in there system. I asked for a letter over the phone and they said I couldnt get a letter and to dispute it with the credit bureau. I tried to but they keep updating it with inaccurate information and I want the account deleted.

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 2024-05-24 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: IL

Complaint narrative:
I reviewed my consumer reports and I noticed that I had 4 late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint on dates of ( XXXX, XXXX and XXXX, XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached

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 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
- I opened this card in XXXX, I had to pay {$500.00} to open it as a secured credit card and my limit was {$500.00}. My limit has never gone up because it's a secured card. 

- I have called suncoast repeatedly, about every two years, to confirm this information is correct and I will get my deposit back, because financially, I need it back. They have ALWAYS confirmed it. 

- Sometime in XXXX my card expired and SC sent me a new one. I remember because I got multiple closed cards added to my account because SC kept sending cards to the wrong address, which still impacts my credit score to this day. This new card was a starter card - Suncoast switched my secured card out for a starter card. I called to confirm I would still get the deposit back, and on the phone they told me that I would still get my deposit back. 

- XX/XX/XXXX, I sit patiently on phone for the SC employee to tell me that I don't have a secured card I have a starter card. He goes through everything and says actually I see it here, you did have a secured card, we're processing the change now, ( I have to shift to a normal credit card to get my deposit back which was fine cause that's what I was told ) he says the {$500.00} will be in my account monday. 

- XX/XX/XXXX, I call again because the money is not there. I sit patiently on phone for the SC employee to tell me that I don't have a secured card, I have a starter card. She goes through everything and transfers me to lending. The woman at lending says actually I see it here, you did have a secured card, we're processing the change now, she says the {$500.00} will be in my account in about a week, her reasoning was that he just gave me a bad estimate. She even mentioned that she can see the {$500.00} processing into my account, so just give it a few more days. 

- XX/XX/XXXX, this is now the exact excuse they're using, that I never had a secured card, only a starter card. Even though as early as XXXX that wasn't the story, and I was getting my money back. The woman on the phone even claimed that I can go find this information, even though I have screenshots proving that I can't see past XXXX anywhere. She told me that was fine because they were sending me my documents, they didn't. I just checked my mailbox. 

It is clear that I have worked patiently for suncoast to get this money, or even my credit card records back, They have refused me about 4-5 times - as reflected in my call logs with Suncoast.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I was shopping using the TARGET app and had a screen that said " save 5 % instantly, instore and online. '' Find the right credit for you, Credit, debit or reloadable. There is a XXXX footnote after the 5 % which says restrictions apply see Target.com/XXXX  for details. 

I filled out the online application and got a XXXX digit code texted to me, but no instructions for what to do with it and no notification that I was accepted. I called their XXXX number and they said there is no instant account because they have to do identity verification. It will be days and I will be notified in the mail. 

I went and looked through the footnote details mentioned above and it does say that it takes days to approve. 

SO why are they saying INSTANT? I was going to make a large purchase and thought it would be a good time to start getting the 5 %. Since I have never been turned down for credit, and have been given instant credit from other companies, I thought instant meant right away, not in days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: OH

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SELF/LEADB - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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 am writing in response to a recent collection notice discovered within my credit file attributed to your agency. Regrettably, I have not received any prior notification regarding this collection, and I hold reservations regarding the accuracy of the debt in question. 

Under the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive validation of any alleged debt. Consequently, I kindly request your assistance in providing the following documents to facilitate the verification process :

Company response to consumer: Closed with explanation