vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. LVNV Funding LLC acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Ky XXXX Last XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: KY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX account number XXXX balance {$5000.00} XXXX XXXX account number XXXX balance {$7000.00} XXXX XXXX XXXX account numberXXXX Balance {$3000.00} XXXX XXXX XXXX account number XXXX balance {$2500.00} XXXX XXXX account number XXXX balance {$1000.00} XXXX XXXXXXXX XXXX XXXX account number XXXX balance {$600.00} XXXX XXXX XXXXXXXX XXXX account number XXXX balance {$750.00} XXXXXXXX XXXX XXXXXXXX account number XXXX balance {$750.00} XXXX XXXX XXXX account number XXXX balance {$1000.00}

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 2024-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I am having problems with contacting Fay servicing loan number ( XXXX ) in regards to pay back amount that was owed to get to current date of payment. In XXXX of XXXX  i was needed to pay around XXXX and I had XXXX to pay down the loan but I was told that i needed to get the new payout so I had to wait till the end of the month. I did not get that packet until the beginning of of th next month usually around the the 3 or 4 of the months. By that time there were new charges. I mentioned numerous time to email what is owed to become current so I do not keep being in default On XX/XX/XXXX of contacted Fay servicing and was in direct contact with XXXX XXXX XXXX } XXXX he was supposed to get in contact with me so I can pay off the charge off. At that time he gave me the routing number and the account to wire the money to. I did not hear back from him so I sent a wire transfer to the routing and acct. number so on XX/XX/year> i wired the amount of {$16000.00} to XXXX Fay servicing XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Routing # XXXX Act number XXXX. As of today there was no adjustment to my payoff of XXXX which should of been in full. No as of today XX/XX/year> they do not know where my money is and the reflections of what is charge off owed is not {$20000.00} with no reflection of what i paid. $ XXXX plus {$16.00} plus k is not $ XXXX On the phone with XXXX in XXXX I had mentioned to XXXX my point of contact contact me by email which they have on file. There is idea of where my money is to this date to amount owed. I also mentioned to XXXX that my account on their website is not working is not working XXXX Mentioned it was still active on his end. to this day I still can not log into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of XXXX  my identity was stolen and all accounts from different companies started appearing in my credit report. I am unaware of all of these accounts. There are closed accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and many more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW 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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: InDebted Corporation
State: CO

Complaint narrative:
I received a notice of a debt for money owed to XXXX XXXX XXXX. I do not recognize this company- if it was originally my debt it has been cleared and must be over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with those crediotrswas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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. 


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 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with those crediotrswas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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.

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 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have requested proof that I were late on the accounts reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a saving account with Marcus by Goldman Sachs on XX/XX/XXXX. I deposited money in it and the account had {$30000.00} on XX/XX/XXXX. I transferred these funds to an external account and then wanted to close the Marcus account. I got an email the transfer of {$30000.00} to an external institution was complete on XX/XX/XXXX. However, today I got an email stating the transfer was canceled by Marcus by Goldman Sachs. I have called multiple times and they state they can not state why the transfer was canceled. They will not let me access my money. I spent over an hour on the phone with them and they can not give me access or a timeline for when I can access this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
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:
On XX/XX/year> our mortgage loan with XXXX XXXX XXXX XXXX  was transferred to Shellpoint Mortgage Servicing. I was not aware of the transfer until after it occurred. I had called XXXX on XXXX to change my auto draft date from the XXXX to the XXXX of each month. The rep I spoke to referred me to the Shellpoint Customer Service number and I called soon after. The Rep at Shellpoint asked me to go online and register our mortage loan with them as it was new in the system. I did that and then tried to set up auto draft for the XXXX of each month. The amount due was {$3800.00}. When I tried to set up the payment, I mistakenly sent it same day as a one time payment. I had expected to get a date to select and send during this process. I called Shellpoint again to cancel the payment but they responded saying it could not be canelled due to the online system. I then asked if the previous auto draft date with XXXX had transferred with the loan. They said it had and a payment was sheduled for the XXXX. This alarmed me as it appeared I would be making a second payment in the same month. On the day I made the payment error there were not funds to cover the paymet amount of {$3800.00}. Shellpoint did suspend the auto draft scheduled for the XXXX until I wanted to restart it in XXXX. On XXXX I called shellpoint again to make the payment over the phone. This was done and shellpoint confirmed the XXXX as the payment date. On XXXX I went online again to reset the auto draft date for the XXXX of each month. I was denied that option and informed it was due to two retruned mortgage payment checks in the same month. I did not see any returned checks but did see a pending withdrawal on XXXX for the {$3800.00} from my XXXX XXXX  account ending in XXXX. The payment actually posted on XXXX with no late fees or overdraft charges being assessed. There were suffiicent funds to clear the mortgage payment on the XXXX when it was made. I believe there were errors or misinformation provided by Shellpoint Mortgage Servcing that led to my failed attempts to set up auto draft and the returned checks I had sent.

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 2024-09-05 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: IL

Complaint narrative:
Under the FCRA I have the right to a accurate a correct credit report I have no knowledge of any of the opened accounts listed below nor did I authorize anyone to open any of the accounts in my name mail and info of mine has been stolen and used by others for monetary gain I have notified and filed police report and FTC IDENTITY THEFT REPORT also obtained a Lawyer PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt for the amount of {$1600.00} related to XXXX XXXX. 

I do not recognize this debt and request that you provide complete validation of the account. Specifically, I am requesting : Documentation of my liability for this debt, including the original signed contract. 
A full breakdown of all charges, fees, and interest. 
Proof that this debt is valid under California law, where I reside, including any notices or communications sent to me. 
Documentation of any previous attempts to notify me of this debt and evidence that I received them. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing this debt, and I request that you cease all collection activities until the debt is validated. Additionally, please mark this debt as " disputed '' on my credit report while the validation process is ongoing. 

Please respond to this request in writing and provide the requested documentation. I also reserve the right to seek legal counsel if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
I receive unemployment benefits from Nevada. My initial benefit was {$3600.00} followed by {$600.00} weekly after that initial payment. The state goes through Way2Go Card, a debit card service aka Go Program or Conduent Business Services. I set up for direct deposit through Way2Go which allows them to transfer my deposits to my checking account with my own bank. My 2 subsequent payments of XXXX were properly deposited, however, in spite of several attempts to get the {$3600.00} transferred and receiving confirmations from Way2Go that the " transfer was successful '' the {$3600.00} has not been deposited to my checking account, has not even been " attempted '' as confirmed by my bank. I have called 5 different numbers countless times for " customer service '' but only get to the same menu from all 5. There is no option to speak to anyone. No one ever answers! Their website, which is rarely working, offers no options other than calling. I have tried everything I can think of to no avail and can't get to my {$3600.00}! The attempts to transfer and confirmed by Way2Go via email happened on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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