vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: CA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I applied for a milestonecard and starting using it around XX/XX/XXXX. I setup auto online, on the milestonecardXXXX platform, and clicked the button. 

After we were hit the federal declared disaster in XX/XX/XXXX, I audited my credit cards and found that mielstonecard was charging late fees and interest on this card since XX/XX/XXXX, for an entire year. Around XXXXXXXX XXXX everyone month for a year. 

I called the company and explained their error. The manager only provided two options that did not correct the error and made me pay for the late fees or charge off the account. Then they hung up on me after being on the phone for an hour. 

On top of this, I explained I was never in possession of the card because they failed to send one to my address. 

I believe this card is issued by XXXX XXXX XXXX XXXX, pursuant to license by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Money Network is the service provider for the checking account where my XXXX pay is deposited, and they have made it impossible for me to access my funds for XXXX, which is due tomorrow. Their mobile app is broken and doesn't allow anyone to sign in ( see Money Network app reviews in the XXXXXXXX XXXX XXXX and the XXXX XXXX ), and there's no work-around for that. Their website is broken and gives an XXXX XXXXXXXX every time you try to sign in, and there's currently no work-around or fix for that. And when I try to withdraw my funds from a different bank, the withdrawal is blocked because I don't know the exact amount in the account, and a XXXX hold is placed on my account. Money Network doesn't deserve to exist as an organization. How is this not actionable? They have my money and won't give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: MO

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.

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 informationisinaccurate.

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 2024-06-29 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:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Financial Credit Network Inc. for Violations of FDCPA Dear Sir/Madam, I am writing to formally complain to Financial Credit Network Inc. , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. Recently, I discovered that Financial Credit Network Inc. has placed me in collections for an amount of {$180.00}, which I have no knowledge of and never authorized. 

I have never conducted any business with Financial Credit Network Inc. nor given them any permission to act on my behalf in any financial matters. Therefore, I believe this action is a violation of my consumer rights as outlined under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, Financial Credit Network Inc. has violated the following sections of the FDCPA : 15 U.S. Code 1692f ( 8 ) : Prohibits using unfair or unconscionable means to collect or attempt to collect any debt. The unauthorized and erroneous reporting of a debt falls under this violation. 
15 U.S. Code 1692d ( 1 ) : Prohibits the use of any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The false reporting of this debt has caused me undue XXXX and XXXX. 
15 U.S. Code 1692d ( 2 ) : Prohibits the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The intimidating and threatening nature of an unwarranted collection notice is abusive and unacceptable. 
This erroneous entry has negatively impacted my credit score and caused me significant XXXX Therefore, I am requesting the following actions to rectify this situation : An immediate investigation into this matter by Financial Credit Network Inc. 
Immediate removal of this erroneous collection account from my credit report.

A written confirmation from Financial Credit Network Inc. and the credit reporting agencies that this collection account has been removed. 
I have already disputed this issue with the major credit reporting agencies and I am seeking the CFPB 's assistance in resolving this matter promptly and effectively. Also have contacted XXXX to help with this matter. 

I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and ensure that Financial Credit Network Inc. corrects this mistake immediately. Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
Pennymac mortgage increased my payments in a letter on XX/XX/2024 from {$1200.00} to {$2300.00} due XX/XX/2024. 

XXXX things happened, First, unbeknownst to me my XXXX XXXX  XXXX XXXX application was incomplete and beginning XX/XX/2024, I began working with the XXXX XXXX XXXX XXXX to correct this issue. It is resolved as of XX/XX/2024 but not yet reflected in my escrow. 

Second, Pennymac paid XXXX insurance companies when I had changed policies. 

XXXX XXXX XXXX XXXX raised my premium from {$920.00} on XX/XX/XXXX, XXXX to {$3100.00} for XX/XX/XXXX, XXXX causing me to obtain a cheaper policy at XXXX. 

Because Pennymac paid both policies, my escrow was at {$0.00} I was told I needed to contact XXXX XXXX XXXX XXXX To recover the overpayment! As I have been trying to do this, I have received an email that XXXX has bought XXXX XXXX XXXX XXXX, but have not responded my request. This was a Pennymac over payment and I dont understand why it is my responsibility to recover the premium? 

I have spent literally hours on the phone and Pennymac message center and email for the last month with Pennymac, the XXXX XXXX XXXX XXXX and the insurance company. 

Additionally, because these issues were in flux, I mailed my old mortgage payment amount and it was received XX/XX/XXXX. However, instead of making my mortgage payment, Pennymac has applied the payment to the reduction of principal! 

Please advise of any action I can take to resolve both the payment amount and application of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
Every Inquiry in my Credit Report has violated my rights. 15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedes 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Every Inquiry in my Credit Report has violated my rights. 15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedes 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 other consumer reporting agency if the person 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 explanation
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, I transferred {$1500.00} from my account to another account via XXXX in my banking app for a golf cart and camper that had been listed on a friend 's profile. Within an hour, I was informed that the individual to whom I had transferred money was just pretending to be my friend scamming people ( having hacked my friend 's account - note : I have purchased from that friend before ). Thus, I was scammed by someone pretending to be my friend. I immediately called the bank on XX/XX/XXXX at XXXXXXXX XXXX  and asked them stop the payment, however, they informed me that there was nothing they could do. I had to wait until the payment moved into " processed '' from " pending. '' I also submitted an email to XXXXXXXX XXXX XXXXXXXX XXXX email address right after and got absolutely no response. On XX/XX/XXXX, as soon as the payment said it was " processed, '' I called the bank and opened a dispute case. Having heard nothing, I called the bank - again- for an update on XX/XX/XXXX. I received a letter in the mail on XX/XX/XXXX stating that my dispute had been denied - never once was I asked for any information to give my evidence- I have MANY screenshots of the conversation with the scammer indicating that I knew they had scammed me. They eventually confessed to it, essentially making fun of me. On XX/XX/XXXX after receiving the dispute letter, I called into the bank again asking to understand why they hadn't asked me for any documentation- I spoke with two individuals, whose names I have, both told me there wasn't anything they could do and refused to give me the name of the recipient 's bank so I could contact them directly. I then called XXXX, who informed me that the bank has all of the transaction information and there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To whom it may concern, I hope this letter finds you well. I am writing to report an unfortunate experience with the XXXX XXXXXXXX XXXX formally ( address XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, telephone XXXX XXXX XXXX ), which has led to significant inconvenience and financial detriment. 

Two weeks after the purchase, I received a call from XXXX XXXX, a dealership representative, informing me that the monthly credit payment would increase by {$50.00}. This unexpected increase was troubling, but what followed was even more XXXX 

XXXX XXXX proceeded to make persistent and excessive phone calls, amounting to more than XXXX calls per day, pressuring me to go to the dealer and sign a new document agreeing to the increased payment terms without any justification. I asked XXXX XXXX and XXXX, the sales representative, to write a letter explaining the reason, but they refused to write a justification. Instead, they were aggressive over the phone, using treats, and this behavior caused me considerable XXXX and XXXX 

Furthermore, yesterday, I received a call from TD Bank Auto notifying me that the XXXX XXXX dealer had failed to pay off the loan on the vehicle I traded in as part of the purchase agreement. This oversight has resulted in adverse consequences for me, including damage to my XXXX XXXX and reputation due to a delay in paying off the previous vehicle loan, which I had traded in XXXX weeks ago. 

Such actions by XXXX XXXXXXXX XXXX are highly unprofessional and unethical, and they have caused me significant financial and XXXX XXXX. I believe these practices warrant investigation and appropriate action to prevent similar occurrences from happening to other consumers. 

Therefore, I formally request that your organization investigate these matters and take appropriate actions against XXXX XXXXXXXX XXXX to rectify the situation and ensure that they adhere to fair and lawful business practices. Enclosed are copies of relevant documents such as the purchase agreement, communication records, and other pertinent information that may assist your investigation. 

I appreciate your prompt attention to this matter and look forward to your response as soon as possible. Please feel free to contact me at XXXX XXXX XXXX or XXXX if you require further information. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc.
State: GA

Complaint narrative:
This is a private student loan that was refinanced from a high interested, flex rate loan to a fixed rate loan, and is now serviced through Earnest. This loan is associated with the time I attended the XXXX XXXX XXXX. I requested the XXXX XXXX XXXX and Earnest is refusing to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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:
I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2024, Bank of America informed me by mail that someone is trying to open an account in my name for a XXXX XXXX XXXX XXXX XXXX. I never submitted a request for this card. We have had at least 4 phone conversations regarding this matter and They informed me they were investigating the application and I would be hearing from Merrill Lynch to resolve the issue... .still have not heard from Merrill Lynch . I in turn contacted XXXX to put a fraud alert on the Bank of AMerica application, I received an alert the fraud alert would not be honored because the Grantor said the information was correct. No explanation how to dispute this finding. Are there any other ways I might be able to solve the Bank of America or the XXXX issues????

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 2024-06-29 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: TX

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation