vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: DE

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : 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 2024-04-12 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: CA

Complaint narrative:
recently i had looked at my credit report and noticed several innaccurate information is reported on my account.this acccount is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy .here is the item .i an asking you to verify as accurate : XXXX XXXX XXXX Acct # 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 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
When reviewing my checking acc. statement, I saw a withdrawal from Synchrony bank for XXXX XXXX purchase for XXXX, XX/XX/24. So I called the Synchrony Bank and told them what I observed in my personal acct. They said I made the payment on their website, but I went to their website because I received a bill and it didn't indicate that the auto pay was set up. When I went to the website I wanted to make sure it was set up and there were not overdrafts or extra fees charged as I set that up at the furniture store. So, I asked for a refund and they told me they could not reimburse the funds back into my acct., but would send a check which I would receive in 8-15 days. After one month, I called and said I never received the check. They said that they would send the check and I would receive it in 8-15 days. I still have not received the funds. 
I have tried to photo the bank statement and also scanned it into my computer but the file is empty. If I could send it to an email address for proof of this statement, that would be very helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I was searching for a couch to purchase on XXXX XXXX, where I was moving to on Saturday XXXX. I messaged a seller name " XXXX '' about purchasing a couch and asked if it could be held until I moved in to my apartment on XXXX. She agreed to hold it until that date for a {$100.00} of the total {$350.00} price, then an additional {$50.00} for the delivery fee the day of. I paid through PayPal {$100.00} for the hold on XX/XX/24. The recipient was " XXXX XXXX '' with email XXXX for the PayPal account. The seller was responsive after that. I messaged on XX/XX/24 about delivery location loading zone, to which the seller responded and say they would see me there and that the delivery fee of {$50.00} can be sent over. I completed that payment on PayPal on XX/XX/24 to " XXXX XXXX '' with email XXXX. After the seller confirmed my payment, they left the conversation on the XXXX XXXX messaging app and I never received the couch or a way to contact them to get the money back. I took screenshots of all of the conversations and transactions that were made to dispute this. The seller required me to send the payments through PayPal as " Friends and Family, '' and after calling PayPal to cancel the payments, I was told I could not get it refunded from PayPal as it had been completed as " Friends and Family. '' After checking the conversation again today on XX/XX/24, the seller " XXXX '' is now " XXXX XXXX  '' and all of the messages that were previously sent by them are unavailable to be seen. I have reported this as a scam to XXXX the day this occurred, but want to get this money I was scammed out of back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently reviewed a copy of my credit report in experian. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that were not open by me. Please remove the fraudulent account from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/20XXXX 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 2024-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
The creditor called me XX/XX/XXXX and I talked to them. I have been XXXX and unable to work for over a year. I do have insurance through this loan ( same company ) and it has been making the payments. When I talked to the women on the XXXX she explained that I needed to fill out a claims paper and have XXXX XXXX XXXX it out again. I did this earlier in XXXX also. I filled the paper out and drove to my XXXX XXXX  and dropped it off for them to fill out again and fax again. My last appointment was XX/XX/XXXX and my next follow up is XX/XX/XXXX with a no work status. After I talked to the lady at OneMain and telling her Id send the paperwork I was called by them ten more times between XX/XX/XXXX & XX/XX/XXXX. I answered the call today and explained to the man that I talked to somebody the XXXX and I dont know why they keep calling me? He continued to ask when I was sending the paper, how long am I going to be off? I told him that they are not permitted to call someone more than 7 times in 7 days and tat they called me 11 times in 4 days. He basically said that he can call as many times as he wants with a collection account? I responded again that I talked to them the XXXX and it will be taken care of. He continued badgering me so I hung up. I do have screenshots of all the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I received a Payment Offer letter in the mail from AMSHER COLLECTION SERVICES INC with payment plan options for an alleged balance that is not mine and that I do not recognize. There is no information on this flyer that states how to dispute the alleged debt. This is the only mailing I ever received from AMSHER COLLECTION SERVICES INC. 

On XX/XX/2024, I requested verification of the alleged debt from AMSHER COLLECTION SERVICES INC. Specifically, I requested a copy of the final bill for the amount AMSHER COLLECTION SERVICES INC alleges I owe. AMSHER COLLECTION SERVICES INC never responded to my request, nor did AMSHER COLLECTION SERVICES INC provide verification of the debt or the alleged owed balance.

AMSHER COLLECTION SERVICES INC reported this alleged debt to the credit bureaus and it has negatively impacted my score by nearly XXXX XXXX. AMSHER COLLECTION SERVICES INC never provided me with information on how to dispute this alleged debt and never verified I owed the debt, which is against the law. 

Thank you for your help. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-04-12 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Auto Finance has been calling my friend, XXXX XXXX XXXX XXXX times a day for my debt. At no point did she consent to this harassment, and calling my friend for my debt is crossing the line. 

Also, they have still been calling me XXXX times daily after the last complaint. They have added a disclaimer on the payment page that supposedly allows them to resume their harassment. So just by making a payment, this allows them to resume the harassment? I never gave consent to that, I was just trying to make a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
To whom it may concern, Im reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. * Toyota Financial Services is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX, the financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX never informed me of my right to exercise my non-disclosure. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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:
This is my notice of dispute to the credit bureaus equifax, XXXX XXXX XXXX  Neither three Cras have given me notice of my dispute recorded in XXXX XXXX 15 USC 1681i : Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

Which was not done at all this illegal treatment by CRAs wont go unnoticed I am Disputing the following XXXX XXXX account which reporting as a open account when it has been charged off this account needs to be removed for illegally reporting and information disclosed is not public information as I have opted out of 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to me opting out of my information being disclosed Also XXXX XXXXXXXX XXXX Equifax deleted XXXX XXXX XXXX needs to provide proof of full debt validation no just statement if not proven then remove account I want all accounts deleted or I will be reporting CRAs with the Secretary of State for not giving me a notice of dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
I got this home loan XX/XX/XXXX through XXXX XXXX, 1 month later my loan was sold to Nationstar DBA Mr. Cooper and our payment was {$1200.00}. The 1st escrow analysis was done a year later as it should be in XX/XX/XXXX, Mr. Cooper claimed an escrow shotage of {$240.00} and my payment changed to {$1500.00}, a {$240.00} increase. That shortage amount should have been spread out over the next 12 months not the full amount added monthly, that totals {$2800.00} a year. Property taxes in my area did increase that year but not enough to justify {$240.00} extra per month increase .The second escrow analysis was sent to me just 7 months later XX/XX/XXXX, this time it was claiming to be over by {$65.00} and my payment dropped to {$1400.00}. This lasted for 5 months and I received yet another escrow analysis XX/XX/XXXX this time claiming to be short {$90.00} changing my payment now to {$1500.00}, a {$90.00} per month increase again instead of spreading the shortage over 12 months. Escrow analysis are to be done on an annual basis adjusting the mortgage payment accordingly whether is a shortage or overage that amount is spread over 12 months. My insurance is paid on an annual basis never fluctuating month to month, my taxes are the same only changing yearly, PMI should also not change month to month and interest stays the same so how in the world is this possible? According to my adding, my insurance is {$2700.00} a year ( {$230.00} per month ) Interest is {$9600.00} a year ( {$800.00} per month ) PMI is {$1300.00} a year ( {$100.00} per month ) and property taxes are currently roughly {$3200.00} a year ( {$260.00} per month ) Add this up and it comes to {$1400.00} require per month to pay the yearly amounts listed above not {$1500.00}. Where is that number coming from? I have tried so many times I've lost count to contact Mr. Cooper and only get an automated recording that never allows you to contact customer service. One time last week I pushed the number the automation gave to obtain a loan and actually was connected to a human. I explained my problem, he pulled up my account and he completely agreed with me that this was not correct and promised to have a supervisor call me the following day to help me with this issue, no one ever called. I tried to call again but this time when I was able to speak with a human they hung up on me. I dont know what is happening at Mr. Cooper but it is very obvious that someone is not doing their job. I know for a fact that we are not the only customers this is happening to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early Warning Services violated my rights multiple times according to The Fair Credit Reporting Act and I am entitled to up to {$1000.00} violation. On XX/XX/XXXX I was denied the ability to open a bank account at XXXXXXXX XXXX due to Early Warning Services reporting information that was not accurate. On XX/XX/XXXX I received my consumer report from Early warning services. I filed a CFPB complaint and on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 8 accounts in all were deleted. Attached to this complaint is proof that there were at least 8 transactions/accounts that were incorrect, or incomplete and I need compensation for these violations. Also I was humiliated due to me being denied at XXXX XXXX  and stressed out from the damage that my Early Warning Services consumer report caused.

Company response to consumer: Closed with explanation