vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
One Main Financial sales practices, I was informed that I could not get a loan unless I signed up for option products. I have been paying interest on loan for a significant amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PACE Funding Group, LLC
State: CA

Complaint narrative:
In XXXX of 2023 I took out a loan with Pace Funding formerly XXXX XXXX for {$6700.00} to pay a contractor to install artificial turf in my backyard located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2023 I withdrew {$6700.00} from my XXXX XXXX  account as a cashier 's check made out to pace funding to pay off the loan in full. Just recently they illegally withdrew over {$2300.00} from my XXXX XXXX  escrow account. I have contacted them several times along with sending them a copy of my bank statement showing the {$6700.00} withdrawal. They continue to refuse to accept this information. Due to their illegal actions, I had to make a payment over {$3200.00} to my Mortgage escrow account so my monthly mortgage payment wouldn't increase to over {$3200.00} from the current {$2800.00}. This is an extremely serious illegal action because I am a XXXX XXXX XXXX XXXX who is receiving 100 percent XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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 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 data breach 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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ensuring timely payments has always been my priority for this account, ensuring they're never overdue. I'm puzzled by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.

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 2024-04-04 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: CA

Complaint narrative:
I contacted XXXX, XXXX and TransUnion on XX/XX/XXXX and XX/XX/XXXX regarding late payments noted for two accounts ( XXXX and XXXX XXXX XXXXXXXX ) as they were reported in error and I have not received written notice back from any of these credit bureaus. 

XXXX late payments reported : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX late reported : XX/XX/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 2024-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX, Equifax and XXXX on XX/XX/XXXX and XX/XX/XXXX regarding late payments noted for two accounts ( XXXX and XXXXXXXX XXXX XXXXXXXX ) as they were reported in error and I have not received written notice back from any of these credit bureaus. 

XXXX late payments reported : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX late reported : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: IL

Complaint narrative:
Kindly eliminate these inquiries ; I lack any information on them, and the company proceeded without my authorization.

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 2024-04-04 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: IL

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous entries from my credit history. Can you verify the paperwork? Certain listed entries exhibit inaccuracies in reporting, including incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: OneMain Finance Corporation
State: NV

Complaint narrative:
A few inquiries placed on my credit report, was directed to deal with it directly with the credit bureau. I've filed police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
I applied for a new loan with Mohela on XX/XX/2024. I wanted to change from a PSLF loan to a graduated loan because I could not afford the payments under the PSLF. When I applied I was told a decision would be received in less than 2 weeks. I just received the decision today. 
I received a denial letter for an extended loan which is not what I requested back on XX/XX/2024. I requested a graduated loan. 
I have placed this loan into forbearance twice now because it takes Mohela so long to respond and now they processed the wrong loan request. 
I can not continue to place this large loan into forbearance while I wait for Mohela to get things correct. I need to know if I can change my loan to a graduated plan as applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TN

Complaint narrative:
In XX/XX/2024, TRANSUNION removed a collection account associated with XXXX XXXX XXXX account number : XXXX. This account was disputed and removed. They then reinserted this account into my consumer report a few days later. I was not notified regarding the reinsertion of the account per 15 USC 1681i ( a ) ( 5 ) ( B ). TRANSUNION is in clear violation of the Fair Credit Reporting Act. This behavior has further damaged my credit score and reputation.

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning matter regarding an unauthorized membership and checking account that has been opened in my name with Navy Federal Credit Union. I am seeking your assistance in resolving this issue promptly and ensuring that my personal information is protected from further misuse.

Recently, I discovered that a membership and checking account were opened with Navy Federal Credit Union in my name without my knowledge or consent. I have no affiliation with Navy Federal Credit Union, nor have I ever initiated any account opening process with them. It has come to my attention that my personal information may have been compromised or misused to fraudulently establish this account. 

The unauthorized opening of this account not only poses a serious threat to my financial security but also raises concerns about potential identity theft or fraud. I am deeply troubled by this situation and wish to take immediate action to rectify it. 

I hereby request that the Consumer Financial Protection Bureau intervene on my behalf to investigate this matter thoroughly. Specifically, I am seeking assistance in : Verifying the authenticity of the membership and checking account opened with Navy Federal Credit Union in my name. 
Taking necessary steps to delete and close this unauthorized profile and account associated with Navy Federal Credit Union. 
Ensuring that my personal information is removed from Navy Federal Credit Union 's records and that no further unauthorized accounts are opened in my name. 
Providing guidance and support on how to safeguard my personal information and prevent future instances of identity theft or fraud. 
I am prepared to cooperate fully with any investigation and provide any additional information or documentation required to resolve this matter expeditiously. It is imperative that swift action is taken to protect my financial interests and prevent any further harm resulting from this unauthorized account. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost urgency and professionalism. I appreciate your attention to this issue and look forward to a prompt resolution. 

Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX amount of {$11000.00} was charged on my credit card. My Bank failed to stop all transactions and notified me. It went over my credit limit. 
I had several fraudulent from a company called whatnot. I never nor did my husband approve for any of these transactions. The bank stated the package were sent to my address. What packages? I do not have any package whatsoever. I even submitted supporting documentation to help with my claims. I am always calling every week to get update. The bank is working on the case no changes. As of today BOA closed my claim stating I asked for it to be closed. I never spoke to anyone about closing my claim, I never gave anyone authorization to close it. I repeat why would I want to close a {$11000.00} claim! Im getting the runaround with BOA. 
Im sorry BOA has failed me, I been with them since XXXX, I never had this happen to me especially a huge fraudulent transaction!

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 2024-04-04 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 urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I did NOT authorize the {$80.00} charge, nor did I give permission for anyone to authorize this transaction. Additionally I filed a police report as well since my device was in fact stolen and other cards were also used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Incorrect name. 
Correct name is : XXXX XXXX XXXX I would just like XXXX, Equifax and XXXX to correct it. 
I have submitted my drivers license and they wont correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Incorrect name. 
Correct name is : XXXX XXXX XXXX I would just like XXXX, XXXX and Experian to correct it. 
I have submitted my drivers license and they wont correct 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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I just received a letter in the mail that my credit limit has been decreased from {$2600.00} to {$250.00}, this is really surprising. 

I have used your card so many times and have always paid on time, why you decreased my credit limit by {$2200.00}. 

This doesnt make no sense. 

All the reasons you have provided in your letter are baseless and doesn't make any sense. 

All my credit cards are paid off and my credit score is good right now.

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 2024-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Dear Sir or Madam : 1 received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : XXXX & XXXX XXXX XXXX Derogatory marks XXXX XXXX Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$4000.00} to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. {$1600.00} et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also pursuant to 15 U.S.C. Section 1681d of the Act, -rsuant to 15 U.S.C . Section 1681d of the Act, You may send an updated copy of my credit report to the below address 2017 E court according to the provision of Section 168lj, there should no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My mortgage company sold my loan several times, this time they sold it the payments made during the process was not sent over in a timely manner causing a minimum due that every time I sent payments they were not applying to the account but holding in a separate account. These payments were deducted from my bank account and the mortgage company were not applying. Now they sent all my checks back to me which were made out in their name so I can not do anything with them and they placed my home in foreclosure and want me to pay legal fees and will not accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Sigue Corp.
State: TX

Complaint narrative:
I Placed money order/check ( {$900.00} ) to pay mortgage for property that I'm buying. The company I got this check from is called Sigue. The person I'm purchasing the property from tried to deposit money order/check but it was denied. I tried to get my money back but the company said they couldn't return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NC

Complaint narrative:
On XX/XX/year> I requested that all 3 bureaus sent me validation of the accounts that they stated was verfied and mines. I wanted to know the method they used to verify it because they did not belong to me. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # 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 FIN SVC XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.

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 2024-04-04 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: FL

Complaint narrative:
I am refilling this complaint to EQUIFAX with confirmation number XXXX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report unauthorized inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with non-monetary relief