vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the attached documents. I want the bureau to initiate an investigation into these accounts. Although I am never late, they are reporting me as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/23, I made attempted to make an ATM deposit at the Bank of America branch at XXXX XXXX  XXXX # XXXX. The ATM took my two checks and failed to give any receipt for my deposit. I immediately requested assistance at the branch and was told to call XXXX which resulted in the filing of a claim with Bank of America. As today, my account has not been credited and I have been told it will not be credited until the 10 day hold period expires ; furthermore, the claims department has NO availability escalate my credit to my account in less than 10 days. I have spent at least 90 minutes to speak with a decision maker about this bank ATM malfunction which causing a financial hardship.

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 monetary relief
Consumer complaint received 2023-12-04 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:
A discharge of indebtedness because of a decisi or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy.

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 2023-12-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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 2023-12-04 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I contacted the mortgage company when I noticed on my statement that my additional principle payments were being held in a suspense account instead of being posted on the day it is received. I make all of my payments through my banking bill pay. I make my regular payment on the XXXX of the month and then an additional payment to principle on the XXXX and XXXX. They are holding additional payments and posting them on the last day of the month. The loan interest is calculated on a daily basis, therefore they are charging me interest on the balance excluding my payment being held through the end of the month. Then they add these additional interests to my balance before posting my payment. They should be posting my additional payments to the principle on the day it is received. I called them to ask why this was happening and they told me this is their policy and if I make additional payments, I have to call them directly, mail it directly to them, or to do it on their website only. They said they would NOT post additional payments coming from my bank on the day it is received to my principle balance. I then tried to make additional principle payments directly to their website but it will not accept any, the website will only be accept it with an additional monthly payment. Please help! 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 2023-12-04 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: TX

Complaint narrative:
These Accounts have violated my rights According to FCRA. 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTHIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A charge of {$63.00} posted to the credit card on XX/XX/23. It was for a purchase on XXXX XXXX for a car part. The order was cancelled before it was delivered and it was stated on XXXX 's site that a full refund was to be issued, I contacted both XXXX and the 3rd-party vendor several times over a week but no refund was issued. So I filed a billing dispute letter on XX/XX/23 with BMO Bank regarding the problem. BMO confirmed by telephone on XX/XX/23 that they had the dispute letter. However BMO has done nothing since then required by Reg Z such as acknowledging the dispute in writing or issuing a temporary credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: AZ

Complaint narrative:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

CXXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have been rebuilding my credit and I had 1 payment scheduled to a credit card company and I believe I was XXXX XXXX but had a spot me for XXXX needless to say the payment went back to the credit card company so again I had a scheduled payment to go out to so said credit card XXXX XXXX something else hit my account for a XXXX XXXX XXXX again the spot me didnt cover the charge and Now the credit card company has closed my card, that reflects very bad on me and my credit So now I have a card I have to pay and no card to use. This Banking institution advertises up too XXXX overdraft with qualifying deposit. My overdraft has never gone over XXXX. I believe that a XXXX deposit would cover me. But I have to push there products in order to receive what they offer.I have filed so many complaints because I have to fight for every dollar I get. This does show negative on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
I've spent days on hold with MOHELA with absolutely no way to speak to a human being for assistance. I've literally spent hours on hold listening to the same circular hold music and " guidance. '' I applied for the REPAYE plan well within the required timeline and have not yet seen any response. I applied for REPAYE in XXXX and again in XXXX because MOHELA showed no previous application. Now it shows two applications, both pending for between two and three months now. I've recently been sent a letter stating that my payments will begin on XX/XX/2023 at a rate that's three times what I was told my payments would be under REPAYE. My REPAYE amount should be {$170.00} but I'm being told I'll be auto-debited the amount of {$460.00} which is absolutely not affordable for my family. MOHELA will not respond to any of my queries and there's now no way to chat with support personnel or connect with a person on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Take a look at the attached documents. I request the bureau to commence an investigation into these accounts, as they are reporting me as late despite my punctuality.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NC

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, yet they are reporting me as such.

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 2023-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Partners LLC
State: IN

Complaint narrative:
I got call at XXXX. The Individual did not say first who or what company he was calling me about. He immediately started with my son 's first name ( XXXX ), asked if I am XXXX. I refused to answer. I asked what the " small debt '' was for, refused to get me the detail information. I asked to have a letter send to address on file, individual said " letter was already sent '', thanked me for the call, hung up. I called back at XXXX to verify phone number, individual answer no name or company name. I requested to have the name of the company that called me for a debt collection, Individual refused. After disputing with XXXX telling him by law he is required to give me the name of the company Receivable Recovery Partners. He said you will do nothing XXXX XXXX. Phone number is ( XXXX ) XXXX FYI NO Caller ID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I recently requested my credit report from all three credit bureaus. I noticed that credit acceptance has repeatedly accessed my credit report without my consent once again the company name is Credit acceptance I am including a screenshot of my XXXX credit report which shows Credit acceptance use deceptive business practice I have never heard of this company nor have I ever did business with this company other than looking at my credit report and seeing the numerous hard inquiries I am including a screenshot showing the illegal access to my credit report which is harming my personal life and putting me in hardships as I am being turned down for new credit opportunities. I'm including a screenshot of my credit report showing these illegal tactics used by this company credit acceptance

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 2023-12-04 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:
On XX/XX/XXXX I Received a Correspondence From XXXX XXXX XXXX XXXX. That I Cant Limit Sharing of my Non public Information which is Private. They Have Furnished Inaccurate and unreliable information. I am Opting Out of Sharing of all my Information Under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my credit report, I have not received an opt-out notice as required by law. I request that you investigate and rectify this matter promptly. 

Furthermore, I would like to emphasize that Experian, XXXX, and XXXX are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. 

I am committed to safeguarding my financial privacy, and I trust that [ Experian, XXXX XXXX XXXX ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Exhibit A 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 explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I received a bill from Mohela on XX/XX/XXXX at XXXX XXXX. for around five times more than what my loan payment is supposed to be under my income-based plan ( SAVE ). The due date was XX/XX/XXXX -- less than a month from the date of the bill. I am XXXX and have no income, so the payment is based on my husband 's, the XXXX XXXX XXXX XXXX XXXX. But it is currently at nearly 25 % of his pay, even though I am enrolled in the SAVE plan. I had enrolled in the SAVE plan the first day it became available and received confirmation the application had been received XX/XX/XXXX. I have had two concussions and have auditory processing issues and must use the secure messaging system to contact Mohela since I can't use the phone. Starting XX/XX/XXXX, I have sent five messages to Mohela asking them to correct the billing error. The website indicates there will be a response from them within three business days after sending a message. None of my messages have received any kind of response. I filed a complaint with Mohela on XX/XX/XXXX and with the XXXX on XX/XX/XXXX and have not yet received any response except a request through the XXXX to fill out a privacy release, which I did. My payment is now past due because I could not pay the erroneously high amount, which was due only because of the loan provider 's error. Mohela 's refusal to provide accessibility in communication is discriminatory and ableist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation