vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
Alliant Credit Union is engaging in consumer-exploitive practices to increase their interest profits by placing excessive holds on deposits. They have a pattern of abusing exceptions to the XXXX  XXXX act to increase hold times. I have used Alliant solely to wire my rent monthly since XXXX as the wire process can be completed by docusign rather than wet signature. This is important for timely payment of rent as I travel frequently in my job which can delay providing a wet signature for a wire. On XX/XX/XXXX I deposited a check for {$600.00} with Alliant which was to be a portion of funds to pay my rent. On XX/XX/XXXX I could see that the funds had cleared the bank of origin- my XXXX daughters account. On XX/XX/XXXX I proceeded to initiate the wire transfer of {$4800.00} for my rent, but after completing wire security was informed that funds could not be sent because a hold had been placed on the {$600.00} deposit until XX/XX/XXXX. They transferred me to the hold department and would not release the hold. This hold is excessive and not compliant with XXXX  XXXX XXXX. No funds have been made available. They did not make {$200.00} available on the first business day and {$600.00} by the second business day. As far as I can ascertain, this check and my account meet none of the criteria that would allow an exception to XXXX  XXXX to place a longer hold. The reason given by the bank is that names dont match. My name as written by my daughter on the check matches my signature on the bank and the name of my Alliant account. They have not been able to justify the hold further or explain what discrepancy in names exists. We know they have had confirmed funds since XX/XX/XXXX. This is a pattern with Alliant. Over the last 4 years, I have noticed longer holds being arbitrarily applied, even to ACHs not just checks. Sometimes they lift them with pushback. This time they didnt. When credit unions exploit and misapply exceptions to XXXX  XXXX funds availability, it has tangible financial consequences for consumers. Consumers may incur additional interest on other obligations that they would have paid sooner if funds were available, may incur late fees on other obligations due to arbitrarily long holds on funds availability, may incur overdraft fees, or in my case may have their housing endangered due to inability to make timely rent or mortgage payments solely due to illegal or illegitimate holds on funds availability. I am a single mom with XXXX kids, XXXX XXXX XXXX XXXX XXXXXXXX. Despite having a high paying job, my rent is late solely due to Alliants consumer-exploitive practices and violations of XXXX  XXXX in pursuit of higher interest profits from preventing deposited funds from being spent or withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland credit bought a debt. They are telling me I was served XX/XX/XXXX. They served my exhusband. I was never notified about the collection until they started gernishing my paycheck in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX  bought a debt. They are telling me I was served XX/XX/XXXX. They served my exhusband. I was never notified about the collection until they started gernishing my paycheck in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
At roughly XXXX XXXX  on XX/XX/2022 my phone was stolen out of my hand while I was using it in public. As a result, the burglar was able to get into my password protected phone, and sent/spent over {$15000.00} using XXXX PayPal and XXXX linked to credit cards and checking accounts with XXXX XXXX XXXX XXXX, XXXX, PayPal and XXXX  of XXXX XXXX I notified all of my banks ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, PayPal ) of this situation the following day. XXXX XXXX, XXXX and XXXX reversed the transactions. PayPal, however, did not. PayPal did not reverse {$2000.00} in charges from PayPal sent to two individuals, and stated over the phone that it was my fault that this occurred. Despite successfully reversing the payment from XXXX, the source bank, they stated that if I did not pay this balance that it would be sent to collections, in my state of immense distress I paid the balance. 

After initiating the second complaint, PayPal responded that the unauthorized transaction was not unauthorized because " your login activity remained consistent before, at the time, and after the payments were initiated. '' Since this person *stole my phone* like I explained and was using my phone to perform these transactions, they of course would have the exact same login activity since they were clearly able to get into my phone and continue to make the transactions. PayPal for whatever reason is not able to grasp the fact that this person STOLE MY PHONE AND WAS USING IT. A phone is not a person and being able to get into a phone does not mean that the person using the phone is the owner of the account.

Since this is the third complaint that I have filed and PayPal has not paid me the money back, this will be the final complaint that I will file before initiating a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been battling with the 3 credit bureaus, Experian, XXXX, and XXXX since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. Also most of these accounts are showing differently in each bureau credit report which makes no sense since all 3 bureaus have to report the same information. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.

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 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: IN

Complaint narrative:
on XXXX at approx. XXXX I reached out to chime about items on my statement that was not mine. i informed the rep that after I notified chime back in XX/XX/2023 and filed the dispute and that dispute was approved. and approx. 7 weeks later the company started charging my card again as soon as I noticed the charges I informed chime at XXXX and the 4 hours later chime denies my claim and does not investigate any claim. 
how can a bank not investigate a claim at all. I have had over XXXX go though this account and I don't feel like im protected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been battling with Equifax, since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. Also most of these accounts are showing differently in each bureau credit report which makes no sense since all 3 bureaus have to report the same information. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been battling with TransUnion since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. Also most of these accounts are showing differently in each bureau credit report which makes no sense since all 3 bureaus have to report the same information. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have a child support order against with covid it got behind {$3500.00} something to MO Family support division. It has been paid in full monthly and is now paid off my payment history was never on there or the balance decreasing on all XXXX, Transunion, and XXXX and even says unable to locate me on the debt?? Thats not possible as my address are all on file with mo family support. I disputed the no payments showing and it still having a XXXX dollar balance.I sent in the payments receipts and showing its now paid in full yet when the results came back it updated the history but the balance still shows {$3500.00}?! Its paid {$0.00} owed all current and support once paid isnt credit or installment contract and shouldnt be reported once paid. That XXXX was roughly 30 % of my debt and my score hasnt changed to reflect the on time payments or boosted it ... ..again i paid and proved i paid off 30 % of my total collection debt but dont get any points or a correction where it reported no payments when infact theres been almost 3 years of paymentsade to it?

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2023 {$3500.00} I need help undoing all of my name accounts, suspended credentials, or any errors. I want to remove everything that hurts my name XXXX is asking me to pay {$3500.00}, but I didn't know how to remove it from my name. It's been a year and a half, and I couldn't remove it. My name is damaged because of them. I want help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2023 {$3500.00} I need help undoing all of my name accounts, suspended credentials, or any errors. I want to remove everything that hurts my name XXXX is asking me to pay {$3500.00}, but I didn't know how to remove it from my name. It's been a year and a half, and I couldn't remove it. My name is damaged because of them. I want help.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
On XX/XX/2023 I legally requested ( via certified mail ) for this creditors to verify that this account is 100 % accurate as i have proof that there are several inaccuracies. The credit bureau ( Transunion ) will remove these items and they have " NOT '' been verified as 100 % accurate as i have requested now several times and i will pay immediately. There have been repeated noted inaccuracies and the bureau ( Transunion ) continues to disregard my investigation request within a legal allowable timeframe ( 30 days ) or remove these items. This Bureau ( Transunion ) have repeatedly violated my legal rights by ignoring my requests to remove these accounts. I am willing to contact my attorney at this point as i am not getting any resolutions through CFPB, the Bureaus or the creditors directly. Below is a list for the following inaccurate accounts that are being disputed : Transunion 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  SD XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Made a one time mortgage payment toward the principal of {$5000.00} on XX/XX/XXXX to Wells Fargo Mortgage company. I made sure to tell the agent to apply the amount to the principal payment 3x prior to ending the call. Checked back couple days later, amount was not applied to the principal instead it was applied as a regular payment with interests taken out. I called back and had the transaction reversed on XX/XX/XXXX. Again, made another principal payment of {$20000.00} on XX/XX/XXXX. This time I also made sure to tell the agent the issue last time and wanted to make sure that this will not happen again like the last time. Today, XXXX, I checked the account and again, that {$20000.00} was applied to the monthly payments instead of toward the principal amount. I begin to think now that all these transactions are intentional. Again, I will call on Monday to have it reversed.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2023 {$3500.00} I need help undoing all of my name accounts, suspended credentials, or any errors. I want to remove everything that hurts my name XXXX is asking me to pay {$3500.00}, but I didn't know how to remove it from my name. It's been a year and a half, and I couldn't remove it. My name is damaged because of them. I want help.

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