vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Transworld Systems filed a collection on XX/XX/2023 in the amount of {$360.00} with the credit reporting agencies without providing any notice or communication whatsoever to me regarding the debt violating the Fair Credit Reporting Act. 

As soon as I received an alert from XXXX, I immediately contacted TransWorld Systems to dispute the debt and followed up with that dispute in writing. I have also reached out the agencies to dispute the debt as well. 

That said, I am in the process of buying a business and this clearly will pose significant negative financial impact to me. Please assist in resolving this, as this agency has operated unlawfully.

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 2023-12-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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 strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification.

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 2023-12-05 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: KY

Complaint narrative:
I have been trying to get a correct payment amount for my student loans on the XXXX plan. I have submitted XXXX Income Driven Repayment ( XXXX ) plan requests to MOHELA, none of which have been processed/calculated correctly. I login to see the payment amount is {$370.00} a month when every estimate I've received from StudentAid.gov and from MOHELA themselves estimates me at about $ XXXX a month. I call to ask why this continues to be an issue and the front-line customer service representatives have no clue and just submit a new XXXX application for me which continues to be incorrectly processed/calculated. Below are the dates of XXXX applications I've submitted, and their outcomes according to MOHELAs website, all of which have not been calculated incorrectly. 

XXXX XX/XX/2023 Cancelled XXXX XX/XX/2023 Approved ( Provided more in-depth income info from tax returns and amount still incorrect ) XXXX XX/XX/2023 Canceled XXXX XX/XX/2023 Denied XXXX XX/XX/2023 Canceled XXXX XX/XX/2023 Approved ( switched from XXXX plan XXXX SAVE plan, but amount incorrect ) XXXX XX/XX/2023 Denied I have submitted these applications a variety of ways. I have submitted them via XXXX, via self-service portal on MOHELAs website, and over the phone with a customer service XXXX None of these methods produced different results which leads me to believe that the teams that process these applications are doing them incorrectly. 

My issue is threefold - XXXX ) I need a payment I can afford and I can not spend the HOURS it takes to wait on the phone for MOHELA because assumingly thousands of others are experiencing similar issues XXXX ) When I do get someone on the phone they are untrained, unaware, and unhelpful. Most are totally unaware of the different provisions of the program I am applying to ( SAVE program allows for married couples filing separately to NOT include their spouse 's income, which most reps were surprised by or flat out told me I was wrong ) XXXX ) StudentAid.gov and MOHELAS OWN CALCUALTOR ON THEIR WEBSITE say I should be paying a MUCH smaller amount than I am, yet every time it is processed the amount is VASTLY incorrect. Are the estimates provided by XXXX ( operated by XXXX of XXXX who own my debt ) and MOHELAs incorrect? That is a major issue if so. If they are correct, what calculations are being done behind the scenes to lead to such discrepancies? I could understand if my estimate was {$20.00} a month and it ended up being {$50.00} that is reasonable. {$370.00} a month isn't a rounding error, that is a fundamental miscalculation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: FL

Complaint narrative:
On my XXXX credit report I reported an account that is being reported as mine which is not mine. 
Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
This account below is not mine and should not be on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account status Unpaid On my Transunion Credit Report the account below is being reported on my credit file. I have never had an account with any of the companies listed. 
I also reached out to the companies for validation of debt asserting FCRA rights under Section 609 and they have refused to provide me with this information. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law 15 use 1681 I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

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 2023-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-12-05 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: MD

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-12-05 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$38.00} Amount {$38.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never have contract agreement with them, or I don't recognize this account.and i need to delete immediately. 
thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/2023, I used XXXX XXXX to receive payment for service rendered to a customer. Upon successfully charging customer 's card using XXXX XXXX, XXXX locked my ability to withdraw funds as they used to randomly, and requested I verify some information with them. Upon verifying the requested information, they went ahed to terminate my account, and threatened to hold my funds for XXXX which in return would cause unspeakable setback, hunger and possible eviction. I intend using the said funds to add up with the cash on me to pay my rent that same day I completed the services and got paid, but XXXX ruined it all and still refuse to let me access to my funds. Even though, ever since I started using their services for processing card payments, there has never ben a chargeback or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have disputed these late payments 3 different times with XXXX XXXX XXXX XXXX is the only one reporting it correctly. XXXX and XXXX just keep verifying the information without sending me any method of procedures. I disputed on XXXX XXXX XXXX XXXX. They havent even investigated. They just sent something back saying they werent going to investigate. I sent a 3 XXXX report in each letter- SHOWING THE ERRORS DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I wrote previously Fay Servicing BLOCKED my online access to make payments, XXXX responded with everything I did wrong or I did not do. XXXX XXXX to accept, listen to or own any of their own issues. A consumer can not access the company live agent without a XXXX minute process or making numerous calls as the phone tree requires a dozen questions then ends with " would you be willing to answer XXXX survey questions, press XXXX '' and that is XXXX. There is NO option to NO answer the questions. If you do not hit XXXX and answer questions BEFORE you are even serviced the system hangs up. If you answer the questions, it then hangs up on you. There is truly no rhyme or reason to defeat this process. The last time - month ago - I could not make a payment I opted to send via my XXXX XXXX XXXX. XXXX would issue an physical check and mail it. When I kept trying to reach a human and finally did, I told the agent I did bill pay. I was instantly scolded that XXXX did NOT accept bill pay!! WHAT??! I said but it is a check. I was told it would be rejected and I would be in default. Suddenly my online access was fixed and I could pay online and I did. Then again this month, SAME THING! I was able to finally pay last week, and my bank showed a pending payment and then it never cleared. XXXX called me last week to ask about a payment and I told them it was paid, the agent agreed she saw it and thanked me for paying. Now today, XX/XX/XXXX I see it is not yet posted. I tried to pay online and again XXXX BLOCKED BOX! I spent XXXX attempts and ALOT of button pushing to finally get through. XXXX in XXXX told me I now owe {$450.00} in DEFAULT INTEREST!!! THIS IS UNACCEPTABLE! I have been trying to pay this. XXXX XXXX puts customers in default to reap additional monies. PLEASE INVESTIGATE THIS! Per my call last week, the agent told me if payment not received by XXXX I would be in default. So how or WHY should I have DEFAULT interest ALL THE WAY BACK to XX/XX/XXXX?? I have interest due by loan itself for the month of XXXX. I should not also pay a default interest for all the same month as well, ESPECIALLY since I am trying to pay and the system is not allowing it. There is ZERO way of escalating anything with this company. I need a negotiated settlement on this interest. While I do NOT agree that I am in default, for the sake to settle this ROBBERY I will agree to 50 % of the {$450.00} and I want HALF of the late fees reversed. I want my escrow account UPDATED AND REMOVED upon payment of escrow arrears when paid tomorrow XXXX - because apparently your system REFUSES to take more than XXXX payment. Seriously, what bank does not want money?? Again, I am TRYING TO PAY and I am being REFUSED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX reported a 30 day rating under XXXX XXXX on my credit report. This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. I should not be penalized for this company 's error. 

This is the only delinquency reported on my credit report and it has been detrimental to my future endeavors, including buying a home. I should not have to suffer from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
We received notification of an escrow analysis that was completed several months ( XX/XX/2023 ) before the property tax bill was even available. Truist then updated our mortgage payment to {$600.00} a month more on a faulty analysis. We have called 3 times to get this resolved. The rep at truist even admitted their mistake and the increase based on the CORRECT tax bill should only be {$67.00} a month. This is the second major escrow issue we have had with this company in the last 4 months. We now have an overage of almost {$1200.00} in our escrow account which makes XXXX sense. Increase our payments almost {$600.00} a month on faulty information is reckless.

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 2023-12-05 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: CA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX XXXX XXXX exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-12-05 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: EdFinancial Services
State: LA

Complaint narrative:
I hold XXXX federal loans that are serviced through edFinancial services. The total amount of these loans came to {$15000.00}. 

On XX/XX/2023, I payed the full amount of these loans to edFinancial services. I used their auto-allocation option, which automatically allocates money to each loan depending on certain factors. This option allocated the money disproportionately, giving the XXXX highest interest rate loans a negative balance of $ XXXX and $ XXXX and not affecting the other XXXX loans significantly. Because of this, my account still shows a balance of {$9200.00} and interest continues to grow on it. 

On XX/XX/2023 I called edFinancial and the representative I spoke with told me that the funds could be reapplied in order to make the balance on my account {$0.00}, and that the interest would be rolled back to the date I paid and effectively removed. I have not been given any update from them and have seen no movement on my account since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: LA

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Name, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Account number : Address, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX XXXX XXXX XXXX  XXXX : Account number : Address, Unverifiable. Fix, update or delete the information for date open. 

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 2023-12-05 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 respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are 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 non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Please complete the form below. Your message is limited to XXXX characters or less. When you are finished, click Send Message. Your inquiry will be sent directly to Customer Service. 

Inquiry # XXXX Status : New Category : Other Priority : Urgent Date of Inquiry : XX/XX/2023 Date Submitted : XX/XX/2023 XXXX XXXX Your Message : XXXX is not posting the payments timely and this caused XXXX XXXX to add a {$29.00} late fee on my account. This is predatory practices. I have exported the transaction history from my bank to show the payments made to XXXX exceeding the minimum payment required ( {$50.00} every XXXX weeks ) and XXXX financing 's delay in posting the payments and then charging me for a late fee due to XXXX financing predatory billing practices. I will be filing a complaint against XXXX financing with FDIC and Consumer Protection Agency if this is not removed from my account. 
From Date Message XXXX  XX/XX/2023 XXXX XXXX I have messaged customer service at XXXX on XXXX XX/XX/2023 XXXX XXXX and have not received a response. Transactions were exported from my bank to show the regular payments sent and the purposeful and predatory delay of posting payments late on my account as payments by mail instead of in house payments.

Company response to consumer: Closed with monetary relief