vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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: TX

Complaint narrative:
My Account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Auto Pay. This late payment that is reporting is a resort of systematic error on their end processing my payment. There was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC code 1681 EB. This area has caused severe hard to my reputation, my character, my mode of living into my family! I demand the late payment reported in XX/XX/year> to be removed. They are not in compliance with the following law 15 USC 1666B requirements set the standards and the guidance for a credit to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 US 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open and customer credit plan as late for any purpose, unless the credit 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 XXXX never sent the periodic statement along with the disclosures from section 1637b.

I have requested proof that this information was mailed or delivers 21 days before the payment due date and this information was requested in good faith pursuant rule one 1002 and it was never provided. This is unfair, illegal, fraudulent, and equitable to me as a consumer! 

Delete the payments from my consumer reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.

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 2024-07-20 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: FL

Complaint narrative:
I have no contract agreement with XXXX XXXX XXXX and did not authorize anyone to share my information. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. '' I have written several communications to the company regarding this issue.

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 2024-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Carvana Group, LLC
State: MD

Complaint narrative:
On XX/XX/year>, I received a email from Carvanas dispute team stating that they wont allow me to apply for a car loan due to them saying they discovered that information or documents I provided were potentially false, misleading or otherwise could not be verified. I explained to them that I never tried to apply for a loan and that my account was compromised. They said they made a secondary review and still prevented me from applying for a loan. They are assuming that the documents they received for a car loan was from me, but it was not. I should not have my account closed just because someone hacked my account. They did not fully verify all information given to them. They are only going off of what they received and not who actually submitted the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: IA

Complaint narrative:
This is my XXXX time experiencing this issue with Cash reloads regarding Netspend. Made a cash reload @ XXXXXXXX XXXX  XX/XX/2024, XXXX and still no funds in my account I went to deposit {$500.00} into my account using the barcode feature they have in the app and the cashier at XXXX scanned everything and gave me a receipt so im thinking it worked fine. well i was wrong, i still have not had the money come through to my account and this is not my first time having this exact same issue with the exact same bank, i dont know if the feature just doesnt work properly or what but im out of {$500.00} and i made sure to save my receipt as well as the barcode i used for the add cash. Calling XXXX for help leads me nowhere and calling Netspend just tells me to visit the location again. 

Ill be stopping any business i have moving forward with this Banking Company because having to wait weeks to get my money thats lost in limbo is not exactly user friendly. I been loving this bank besides the fact i can not deposit cash into my account because its never processed by Netspend correctly and it never reaches my account. I hope nobody else has to go through this issue honestly

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 2024-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
At the beginning of the year, my loans were being service by XXXX. I was told repeatedly I had to recertify by mid XXXX or my payments would increase. I submitted an application to change to the XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, It was announced that income recertification for XXXX would be pushed back until XX/XX/XXXX. I called XXXX on XX/XX/XXXX at XXXX to cancel my application to switch my plan. I was told the application would not be processed. On XX/XX/XXXX, I received notification that my application was processed and accepted despite being previously told it was cancelled. My payment went from {$99.00} up to {$2100.00}. I sent a notification to XXXX on XX/XX/XXXX ( attached ) stating that this was done inappropriately and I would like to be reverted back. I never received any reply regarding this specifically only an auto generated response stating my account was deliquent by 2 days ( which it was not as I was on auto pay at the time- a screenshot of this is also attached ). I followed up by called XXXX on XX/XX/XXXX at XXXX and spoke with XXXX XXXX She stated my account would be placed into forebearance and she had filed an internal XXXX  to have my plan reverted back. I called to check in this on XX/XX/XXXX and XX/XX/XXXX and both times I was told it was still in process. I had administrative forebearance extended until XX/XX/XXXX. I received notification that my loans would the transition to Ed Financial beginning in XXXX. I attempted to reach XXXX regarding this issue again prior to transfer without success. Once my account was fully transferred I spoke to a representative at Ed Financial on XX/XX/XXXX regarding this matter. She stated that she would have to escalate this and a supervisor would be calling me within XXXX hours. I never received a call back. I called again on XX/XX/XXXX at XXXX and their dedicated loan XXXX team would be looking further into this and I would have information within XXXX business days and they would call me directly. This never occurred. My most recent conversation occurred on XXXX. I let them know I never received information or a call back from either encounter. I was told XXXX still has not sent them detailed information from my transferred account so they are still unable to assist. They also stated they are unable to place me on administrative forebearance at this time. XXXX has not supplied them with the information to rectify this situation and Ed Financial is unwilling to place an administrative forebearance on my account while this is investigated resulting in my current balance ballooning every month. I have made my previous payment amounts from my original payment plan out of good faith. I am unsure where else to turn to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: CA

Complaint narrative:
I 'am requesting that this items be removed from my credit report immediately. Transunion is still reporting misinformation on my credit report, and its really hurting my credit score and chances of ever owning a home for my family. 

*Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ( DELETED ) *Account # XXXX- XXXX XXXX XXXX XXXX XXXX XXXX ( REMOVED ) *Account # XXXX- XXXX XXXX XXXX XXXX  XXXX ( REMOVED ) Please see uploaded pictures and or documents, of accounts mentioned above. send me an updated credit report with new changes made.

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 2024-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX I leased a new XXXX XXXX XXXX  from XXXX XXXX in XXXX, TX. The lease was financed through Honda Financial Services. At the time of leasing the vehicle the finance person representing HFS, offered me two warranties that were added to the contract totaling an extra {$2800.00}. On XX/XX/XXXX I called the warranty companies and canceled both warranties. I was told by the warranty companies the refund would go to HFS and could not be released to me. After receiving the full refunds on XX/XX/XXXX HFS then applied both refunds to a security deposit and refused to apply the refund to the balance of what was owed on the lease or return it to me. After being put on hold for an average of 45- an hour each call and after over 6 attempts to get HFS to apply this refund as it stipulated in the contract, I sent them a certified demand letter on XX/XX/XXXX. This month I was sent a message on the HFS website stating my account was paid till XX/XX/XXXX. They have begun applying some of the refund as the monthly payment but still refuse to apply the full amount to the account. I am requesting the full amount be applied to the balance of the lease now or be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX of XXXX I sold my company XXXX XXXX XXXX XXXX a Stock Sale to another company who used XXXX financing XXXX help finance the purchase of our company. At the time of sale, my company had a Chase Corporate Credit Card which was secured by my company and me personally. In XXXX of XXXX the new owner and I went to the Chase Bank Branch located at XXXX XXXX XXXX XXXX in XXXX to discuss with the Business Banker how to transfer the corporate credit card to the new owner/business and remove my own personal liability from the account. The Business Banker told us to complete a Change of Authorizing Officer Request Form which would add the new owner as the authorizing officer and would remove me from the account and all personal liability. The new owner and I completed this form in person along with the help of the Business Banker and left the form with the Business Banker to process the transfer. The new owner and I together completed a similar process for all financial accounts at various institutions right after the sale of the business was finalized. 

Fast forward to XX/XX/XXXX ( 21 months later ), I received an email form Chase Bank regarding the old corporate credit card stating that Chase was making some changes to their credit card policies. I wondered why I received this email as I was no longer associated with the Chase Business Credit Card since XXXX of XXXX ( 21 months earlier ). 
After several calls to Chase 's customer support, I was told that I am still the Authorizing Officer on the corporate credit card account and that I am still personally liable for the charges on the account. The new owner of the company agrees that all the charges are his companys charges and that he and his company are liable for all charges following the date of the sale of the business. However, Chase continues to state that the new owner is not the Authorizing Officer on record and that I am the one responsible for his and his businesss charges. 

Instead of providing us the original Change of Authorizing Officer form that we filled out in XXXX of XXXX, Chase had the new owner and I fill out a new Change of Authorizing Officer form which we submitted on XX/XX/XXXX. On XX/XX/XXXX, I was told by Chase that the Change of Authorizing Officer request was denied and that I am still liable for all the charges on the credit card, even though I sold the company over two years ago and the new owner of the company says all the charges on the credit card are company charges that I should not be liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
HP SEARS COMAPNY XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX I am writing to formally dispute the collection accounts reported on my credit report. These accounts was added without my consent, and I believe they are inaccurate. 

Please provide validation and documentation proving that this debt is mine and that I authorized its reporting. In the absence of such proof, I request that you remove this account from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I find myself a survivor of XXXX XXXX, a distressing form of XXXX XXXX that coerced me into accumulating debts. This dire situation has left my credit report tarnished with derogatory marks. Presently, I am under the guidance of a representative from the XXXX XXXX, an organization dedicated to supporting survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of adverse information related to trafficking upon filing an official claim.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
I find myself a survivor of XXXX XXXX a distressing form of XXXX XXXX that coerced me into accumulating debts. This dire situation has left my credit report tarnished with derogatory marks. Presently, I am under the guidance of a representative from the XXXX XXXX, an organization dedicated to supporting survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of adverse information related to trafficking upon filing an official claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My loan information has not been updated with the XXXX credit bureaus since XX/XX/year>. The reporting across all three bureaus state that I have XXXX loans ( I do not ). The balance of the loans ( again a duplicate loan ) is incorrect as well as the payment amount. I have talked with the servicer directly, tried to dispute the information with the credit bureaus, and nothing is being changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: CA

Complaint narrative:
XXXX XXXX Account # XXXX Theres inaccurate information on my credit Report by this account. The Dates are inaccurate with all 3 bureaus Last Verified Last Activity According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 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 agencyshall ( 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.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Delete this Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

Im not liable for this debt with SN Bernadino .I dont have a contract with SN Bernadino they did not provide me with original contract as I requested.

Correction to my credit report, I demand this account to be removed from 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 2024-07-20 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: CA

Complaint narrative:
XXXX XXXX Account # XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 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 agencyshall ( 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.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Delete this Closed Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

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