vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My accounts was 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 to be removed/updated.

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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 to be removed/updated.

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.

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have several specialty credit card accounts through Synchrony Bank. These cards have promotional ( promo ) payback plans which have defered interest. The problem is in how payments are allocated to these promotional plans. All of the offered allocation methods seem designed to not make sufficient payment to the promo plans. Of the XXXX options all seem to apply any payment that is more than the minimum payment to non-promo purchases. So if you use the card for " regular '' purchases most of your payment will not be applied to the promo plans except in the last XXXX months of the promo period. This seems to make it more likely you would end up paying the total deferred interest accumulated on those plans.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My accounts was 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 to be removed/updated.

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 XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I went into the bank to apply for a loan. I was denied because when they pulled my credit profile the information that was showing belonged to my brother XXXX XXXX XXXX which included his SSN and DOB. Then I spoke with someone at Equifax consumer credit report and was informed that my Date of birth was incorrect. The incorrect date of birth reported was XX/XX/XXXX. They also told me I had a XXXX XXXX account in my name for {$240.00}. I paid that bill on XX/XX/XXXX. My correct Date of birth is XX/XX/XXXX. I have sent in the following documation to all 3 credit companies Equifax, XXXX and XXXX my Birth certificate, Social Security card, Identification card, along with Bank statement with proof of address. On XX/XX/XXXX I sent certified mail to all three Credit companies and still have not received no information. I have a tracking number for the mail I sent and the documents have not been signed for. 
they have been sitting at the postal office since XX/XX/XXXX. They are required to provide a signature when they are picked up. No one has picked up these documents from the postal office as of today. When I call the numbers to speak to someone I get a foreign who can barely speak proper english and continue to tell me to call back they have not received the documents. When I go on annual credit report and put in my information my brother credit profile comes up instead of mines. I do not have any credit in my name but I can not apply for anything because his information is on my profile. Attached to this complainant is proof showing when I pulled my credit report. This should not be happening Track Number for all credit companies : XXXX XXXX XXXX XXXX : XXXX XXXX Equifax : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous letter dated [ XX/XX/2024 ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on, auto loan, account [ XXXX XXXX XXXX account number XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. I am writing to file a formal complaint against XXXX XXXX XXXX due to the lack of response to a credit dispute letter I sent on [ XX/XX/2024 ]. Where XXXX XXXX XXXX violated my rights by law, that it did not respond to me in more than 30 days as stipulated by law, where I requested that it provide me, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that it has adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have 2 Master Card credit cards with the bank RBFCU, the personal one and the business one since XXXX and to make the payment of the credit cards I have always done it online by logging into my account with my password and I make the payment on the balance shown by the system in the home page until then there was no problem, because the balance shown on my credit card was true, as was the availability of credit. 
I always made my payments on the balance that the bank 's system showed when entering my accounts and I never had a problem with that before, the value it showed was the value I really owed. No hidden values. 

On XX/XX/XXXX, according to the balance shown by the bank system, I had to pay {$4400.00} to the personal credit card and so I did. But the bank says that I made a mistake in the payment ( which is false because that's how the system showed it and that's what I did ) and they are charging me that same value to my business credit card with interest accumulated from XX/XX/XXXX to date. In addition, this payment generates an overpayment on the personal credit card that the bank should transfer to my business credit card balance. 

Also starting in XX/XX/XXXX, when the bank changed credit card provider, the balance of my credit card that the system shows on the home page is not the real one, it shows a false current balance and credit availability, which led me to accumulate a balance of {$12000.00} which I was not aware of, because according to the bank it says that I must go to another page ( XXXX XXXX ) to see the true balance, which is somewhat illogical because the bank must present the same balance value at any time. place in the system where the client requests the information. 
According to the system balance as of XXXX XX/XX/XXXX, my business credit card debt is {$170.00} with a credit availability of {$14000.00}. 

The bank disputes that it sent me statements but I always paid according to the balance of the system and there were no such problems and now due to their information error in the system I must assume the consequences by paying a large sum of money. So now I am requesting that the bank give me a solution to this since because of them I have accumulated a debt value with interest that I will not be able to pay. 

I attach evidence of : payment made of {$4400.00}, wrong system balances to date that do not match the true balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I sent Hancock Whitney my durable power of attorney which they denied and would not explain the reason. From my understanding, my notification was just for recording purposes and for permission. I have notified Hancock Whitney of the agreement that I have with my trust with a commercial security agreement and trespass and cure. Whitney then notified me that they were closing my account after almost XXXX years without explanation. As hurtful as this is, I wrote them back conditionally accepting the offer to which they double down on closing my account. After I had my XXXX payments sent to that account that they returned after processing my credits as debits. Hancock Whitney has failed to provide me with my interest and proceeds to them utilizing my deposits. I requested to see both sides of the ledger which was refused. In addition to I wrote a letter to XXXX of the Board of Directors. I am not sure of what may be the issue. I am sure that there is some misunderstanding. In addition to many of my payments were reject, which then caused me to fail to perform my obligations. UCC 3-305 says I have a right to payment whether the bank has an issue with processing or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I had auto pay set up for my car payment, I guess it did not go through and I did not realize at first. Once I realized I called in and they could not figure out why it did not work, and could not figure out how I could set up a payment as my bank account that was already added was not showing up and would not let me add it. They then set up an ACH payment and promised it would not be reported to my credit. The XXXX went through, and then a day later came back out and they said it was XXXX days late. I called and they said XXXX denied the payment, I do not have XXXX and I never said I did. I provided my bank accounts account number and routing number. They said it was just a typo but I do not know how that would be a typo, I think they made a mistake. I then made a payment over the phone with my debit card ( which includes a fee which is why I did not do that previously ). When I checked my credit, it is down XXXX points. I asked to speak to someone and they said actually the report it after XXXX days ( they previously told me XXXX days and said they would not put it on my credit since I was trying to make the payment ). They said there is nothing they can do and when I got their XXXX their XXXX said they are submitting a request. They also said they sent me a text letting me know the payment failed, which they did not. They said they sent out a letter though, which take at least a week to get to me so it wouldve been way to late either way. They then said my bank should have let me know the payments were being denied and that I did not have sufficient funds, my bank does not have anything showing that. My bank also has overdraft protection and pulls directly out of my savings if I go over my limit on my checking account. I also have had sufficient funds the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

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. 

Account Name : XXXX  : Account Number : XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account is overdrafted due to denied disputes however the charges that were denied were not me as my entire vehicle was stolen with my belongings which caused these charges

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 2024-08-07 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: CT

Complaint narrative:
Please remove fraudulent and hard inquiries off my credit file from XXXX, XXXX XXXX and Equifax immediately. 

XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-08-07 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: WV

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : 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 XXXXXX/XX/year>

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