vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to dispute the collection efforts regarding accounts of the alleged debt below that you claim I owe. I am aware that under the Fair Debt Collection Practices Act, you are prohibited from using any false or misleading representations in your attempts to collect a debt.Specifically, You are in violation of 15 U.S. Code 1692e ( 10 ) False or misleading representations, which prohibits the use of false or misleading representations in connection with the collection of a debt. Also I believe that the inaccuracies present in my credit report violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which stipulates the responsibilities of credit reporting agencies regarding the accuracy of the information they report. Your attempts to collect the alleged debt have been misleading and deceptive, as you have failed to provide me with sufficient documentation and proof of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Debt Collector Communications Concerning Identity Theft Section 615 ( g ) ; 15 U.S.C. 1681m ( g ) Section 615 ( g ) has specific requirements for persons, such as financial institutions, that act as debt collectors, whereby they collect debts on behalf of a third party that is a creditor or other user of a consumer report. The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
My loan was transferred from XXXX XXXX  to Flag Star Bank in XXXX of XXXX. The communication from Flag Star has been appalling. In XX/XX/2023 when they attempted to take money out of my account there was a transfer issue and right away I went to try and pay it online. I thought I had pressed pay through my checking account for a one time pay and when I went to check a few days later it said I had only paid a {$30.00} late fee. When I called to ask why it didnt do a XXXX time payment of the mortgage amount they came up with something that their system wont allow that and I should have called. Fast forward to XXXX, my mortgage payment was reversed and again instead of making it easy to pay online I had to call. I thought everything was fine as my XX/XX/XXXX payment came out automatically with no issues. XX/XX/XXXX comes around and when I looked at my XXXX XXXX account and the money was still there I figured because it was the weekend it would be taken out on Monday. On Tuesday I checked again and it was still there and I thought maybe because of XXXX of XXXX it hadnt been taken out yet. Finally on XX/XX/XXXX I call to inquire why it hasnt been taken out and they inform me that because of 2 reverse payments on my account I can no longer use automatic payments and that I would have to go to a XXXX XXXX with cash to pay my mortgage. I asked why they had not sent a letter or called to explain this and that I had to call and ask, which they claimed they did sent a letter. I can assure you no letter was sent and when I told them that they told me I was basically out of luck and they could email a letter for instructions on how to pay. They still have not emailed me this so called letter, I had to take out close to {$4000.00} cash and attempt to find a XXXX XXXX that would take that amount and just hope I was doing it correctly. Thursday, XX/XX/XXXX after attempting to make this transaction at XXXX different businesses and paying an extra {$22.00} for urgent service I thought the money was sent immediately. Today I go look on my Flag Star loan account and it still says, Next Payment Due XX/XX/XXXX. On the payments page it doesnt show my payment applied to any of my loan but shows Funds Held in Suspense. So I called to find out what was going on and the operator couldnt explain it and had to put me on hold. When she came back she said it would be posted on Monday. I paid it on Thursday before the end of the business day and paid extra for the rush service. If I hadnt called today who knows what would have happened with this payment. This should not be that hard to make a mortgage payment. I spent over XXXX hours on Friday just trying to give a company my mortgage. Their lack of communication, inconsistency, and agents who have no knowledge is outrageous.

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 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: LA

Complaint narrative:
I was informed of a collection account with ERC through credit karma after it was reported to the credit bureaus. I received no phone call, no email, nor did I receive a letter in an attempt to notify me of this account before reporting to the credit bureaus. The account itself was wrongfully opened by a telecom company who did in fact receive their returned equipment. In my attempt to reconcile, their agents were aggressive and condescending and lied about tactics used to establish contact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts and delete from report : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Dept of Education XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. Even after uploading proof from the following creditors that they accounts were not mines and should be deleted, they still remain on the bureau illegally. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I have also attached a copy of a recent letter for proof.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My credit report has a late payments for apple credit card and its affecting my credit score I wanted to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX I had two transactions come through my account that required my overdraft protection to be used. The money was transferred and items were paid. The next day I got an email that I would be getting two overdraft fees for these items despite the fact that they were paid.

Their overdraft protection policy is that no fee is assessed when it is used to cover transactions as you will be charged interest for the amount used.

I was assessed 2 fees and reached out for an explanation which did not make sense. I asked for further explanation and continue to wait. I do believe that this bank is charging consumers unnecessary fees to inflate their revenue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account { XXXX } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
Harvard Collections, reported a negative trade line on my credit report as of XX/XX/XXXX. This is the second time this company has reported this same debt on my report, I had it removed back in XXXX as this isn't a debt I'm aware of, and the company states the original was over 30 years it supposedly be owed. I wasn't even aware that you could collect on a debt over 10 years, but moving forward... The company never sent out debt notice just updated on my credit report as a new collections debt in both incidence. 
The company removed the debt, and now 2 years later it's on my file again as a new paid charge off.as of XX/XX/XXXX in the amount of {$2900.00}. 

I have never made a payment nor been contacted for a payment on this debt. This is impacting my credit which dropped my score due to their negligence, falsifying attempted collections on a debt over 30 years and updating as though this was a new debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts and delete from report : 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 XXXXXXXX However, they stated everything was complete and accurate. Even after uploading proof from the following creditors that they accounts were not mines and should be deleted, they still remain on the bureau illegally. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. I have also attached a copy of a recent letter for proof.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts and delete from report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Education XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof from the following creditors that they accounts were not mines and should be deleted, they still remain on the bureau illegally. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I have also attached a copy of a recent letter for proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have reviewed my Consumer Reports and noticed there are Fraudulent accounts on my credit report : * XXXX Account # XXXX Validate Account * XXXX  XXXX XXXX Account XXXX # XXXXValidate account Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy.

I contacted " TransUnion '' asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

In accordance with Fair Credit Act 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. 


Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have noticed multiple accounts on my report that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Debt Collector Communications Concerning Identity Theft Section 615 ( g ) ; 15 U.S.C. 1681m ( g ) Section 615 ( g ) has specific requirements for persons, such as financial institutions, that act as debt collectors, whereby they collect debts on behalf of a third party that is a creditor or other user of a consumer report. The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have noticed multiple accounts on my report that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
It all started in XX/XX/2023 where I had fraudulent activity on my account from Arkansas that got resolved and I received my funds back from the bank. However, I was waiting for my new card. And I noticed that it had been a little too long of a time and I called my bank and I said I had some questioning phone calls from Wells Fargo and it turned out that it wasnt Wells Fargo and they had gotten into my account on XX/XX/XXXX they took out {$2000.00} and then on XX/XX/XXXX they took out {$1900.00} From the bank is not returning my money even though those were from an ATM in Florida and I am located in Georgia and I they are claiming that I either knew the person or I gave somebody my ATM card however, I did not have an ATM card because I was trying to get my new one in the mail Now Ive re-opened up my claim and I filed a police report and I am not happy that its taking this long to try and get money back from something that I did not cause

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 2023-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I had submitted a payment via my banks bill pay system on XX/XX/XXXX. I called on XXXX XXXX regarding the payment not being posted on the account. The representative I spoke with suggested to dispute it via my bank if it had not posted, which I did. I filed the dispute but they denied the claim because I authorized the payment the payment they sent back was not the payment made on XX/XX/XXXX, instead it was made on XX/XX/XXXX!! They have no idea where the {$350.00} payment is or but will not return my funds!!

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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