vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
To Whom It May Concern : Ive reviewed my credit report and noticed the following inaccurate item : Synchrony Lowes account ending in XXXX This account is listed as 30 days late for the month of XXXX, bu

t I have never been late on this account. I request that you VERIFY this information and provide me with copies of any documentation associated with the investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing illegally changed/increased the amount of my Previous Balance and is charging interest on that inflated amount, when the servicing of my HELOC was transferred to them. 

XXXX, XXXX, XXXX statement indicates Previous Balance amount of {$280000.00}. This is INCORRECT. On the Deed Of Trust, the original commitment amount is {$150000.00}. The statement indicates that Shellpoint is basing the interest only payment on the {$280000.00} amount. This is an illegal fabrication of my loan amount. 

The current draw amount is {$140000.00}. 
Shellpoint has a copy of the Deed of Trust and the Note. 

Interest is currently 4.25 %, interest only payment. 

The statement is completely inaccurate. I made the XXXX, XXXX payment of {$880.00} UNDER DURESS. 
I have called numerous times, beginning in XXXX, XXXX, e-mailed on XXXX site which they acknowledged receipt on XXXX/XXXX/XXXX, XX/XX/XXXX, XXXX, and XXXX and and sent a complaint by certified mail. 

Just today, XXXX, their site indicates a payment of {$900.00} due for XX/XX/XXXX. Shellpoint states this is a P & I payment, but doesn't break it down. The term expiration is XXXX/XXXX. Even if the payment is XXXX & I on the balance of {$140000.00} it only equals roughly {$680.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Lost my card and someone used it to deposit a check and then withdrew the funds. Filed a claim that was denied even though I was not the one who made the transactions. The claim for the check deposit was deemed fraudulent but the corresponding atm withdrawals were deemed legitimate. Now my account is overdrawn {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased a USED XXXX XXXX from XXXX XXXX in 2023. They told me they were adding gap coverage due to the high amount might loan was as well as a warranty into my total price. They charged me almost XXXX XXXX for a car that was worth XXXXXXXX XXXX at the time. I was completely taken advantage of as he knew I was new to the car process. After a few months an issue came up with my vehicle that required work that should have been covered by my warranty, I called XXXX XXXX  to find out that they had closed. I had to XXXX who had my loan and what was happening, they sold my loan to WESTLAKE PORTFOLIO MANAGEMENT and I needed to get ahold of them. Upon getting ahold of them they informed me that Westlake was NOT honoring any of the warrantys that we paid XXXX XXXX for and if we wanted the refund we had to deal with XXXX XXXX. Fast forward after dealing with that issue myself my car was totaled in a hit and run. I called Westlake and they informed me they were not honoring any gap coverage that we may have paid the company for. I was paying XXXX XXXX a month for over a year on this vehicle, after it was totaled Westlake was telling me I still after a year of paying owed almost XXXX XXXX on the car. They also informed me that due to them not being able to honor my GAP coverage that XXXX XXXX took money from me for I had to pay back this XXXX . My insurance paid out XXXX to Westlake leaving me with XXXX & to pay. I dont know what happened to my payments made to XXXX XXXX before they went out of business ; I dont have any money from any warrantys or gap coverage back and now this company wants XXXX XXXX for a totaled car while they RUIN my credit. I need some help with where to turn next. Westlake will not help me. They have since written off the XXXX XXXX  they are still saying I owed as a bad debt on my credit. So now my credit is suffering tremendously. This company has taken so many peoples money, I dont believe I owed them that.. and I would like it taken off my report and labeled as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to follow up on our recent communication regarding unauthorized accounts on my consumer report linked to identity theft. I formally demand the immediate blocking and removal of these accounts from my report, as I never provided written authorization or a wet signature for their inclusion. 

These fraudulent entries have caused me significant distress, both emotionally and financially, by misrepresenting my credit history and obligations. They have impeded my ability to achieve crucial financial goals, including purchasing a home and providing for my family 's needs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credt report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reported In my creds report is the one mentioned stated below. 
*My first name is : XXXX XXXX Middle Name : XXXX XXXX FIRST LAST NAME : XXXX XXXX SECOND LAST NAME : XXXX XXXX : XXXX MY DATE OF BIRTH IS XX/XX/year> MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX, XXXX, FL ZIP CODE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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:
The accuracy of information associated with my credit report. The account in question is listed below, and despite a previous investigation, it continues to appear on my report with inaccuracies that are significantly damaging my credit score. I request that this item be re-investigated immediately. 

**Account Name : ** XXXX XXXX XXXX  XXXX Number : ** XXXX **Dates of Alleged Late Payments : ** XX/XX/year> It is reported that this account is 60 days past due, which is inaccurate as I have consistently made my payments on time. The persistence of such inaccuracies is concerning and must be corrected.

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, I request the names and business addresses of each individual with whom you verified the information regarding this account. This will allow me to follow up on this matter directly.

Additionally, please send me an updated copy of my credit report once your re-investigation is complete.

I have attached a screenshot to support my claim. Thank you for your prompt attention to this matter. I look forward to your swift response. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report accurate and complete information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I ordered a XXXX  electric power tool. I was charged XXXX. The shop, XXXXXXXX XXXX XXXXe at XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) was unable to assemble the product. XXXX XXXX, shop owner was irate and nasty. He later asked me to give him my gas powered machine for free so he could resell it used. he blamed the problem on me. I feel that I can not return to the shop. I called XXXX  three times. ( customer service ). They never contacted me as promised. Today I called them on a XXXX way call with my credit card, Barclays U promise. XXXX customer service number is XXXX XXXX XXXX. We spoke to XXXX and he said he would try to resolve the problem but my XXXX chharge gas not been resolved from my XXXX XXXX promise charge. their number is XXXX XXXX XXXX. 

Never received any product and the charge is on my card. Please help me resolve this. 

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 2024-08-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to express my concerns and dissatisfaction regarding the recent issues I have encountered with the XXXX ( Saving on a Valuable Education ) plan. 

I applied for loan forgiveness before the Supreme Court 's decision, and I made the decision to switch from the Income-Based Repayment ( IBR ) XXXX to the XXXX plan. However, I am now being penalized for this switch, despite being on the XXXX plan for XXXX  years. It seems that my years of responsible repayment under the XXXX plan are not being recognized, and I am effectively being asked to start over in terms of my progress toward loan forgiveness. 

It is disheartening to see that some individuals have received funds to pay off their loans, while I, who submitted my application in a timely manner, am now facing setbacks due to this change. I believed that transitioning to the XXXX plan, part of XXXX XXXX initiative, would be beneficial, but instead, it has resulted in an unexpected and unfair consequence. 

I would like to request that my previous XXXX  years of payments under the XXXX plan be honored and that I receive the same consideration as those who have had their loans forgiven. I respectfully ask for a review of my case and a prompt resolution to this issue. 

Thank you for your attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms Enhance economic stabilization I want to dispute and delete this off my credit report. 



Delete these accounts 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms Enhance economic stabilization I want to dispute and delete this off my credit report.

Delete these accounts 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
XXXX XXXX XXXX {$3800.00} unauthorized account reporting to my credit report XXXX XXXX {$3400.00} unauthorized account reporting to my credit report XXXX XXXX XXXX {$530.00} unauthorized account reporting to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
XXXX XXXX XXXX {$3800.00} unauthorized account reporting to my credit report XXXX XXXX {$3400.00} unauthorized account reporting to my credit report XXXX XXXX XXXX {$530.00} unauthorized account reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: GA

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. 

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 BANKRUPTCY XXXX XXXX BANKRUPTCY XXXX XXXX BANKRUPTCY XXXX 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 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