vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
On XX/XX/year>, Mohela sent a confirmation about autopay on my loans in the monthly amount of {$510.00}. This email was to confirm my monthly statement would be paid. 
On XX/XX/year> I was notified by Mohela that my account would transition to a new platform and that I should confirm auto payments. I did so and the account information was correct. 

XX/XX/year> I received an email from Mohela that my payment was not received. However, I have a bank statement showing the amount of {$510.00} withdrawn by the Dept of Ed on XX/XX/XXXX. 

I issued a digital communication to Mohela and did not hear back. 

The same thing happened again the following month. I again have a bank statement showing the next {$510.00} going out on XX/XX/XXXX. 

I called Mohela after this, and spent an hour on hold. The representative I eventually spoke with told me she could not actually see any past history or any of these payments on my account, or help to correct the problem over the phone. She said she would escalate my concerns to a supervisor if I could upload my bank statements into my Mohela account, which I did. She told me there was no date estimate on when the issue would be corrected and that I would not hear back from Mohela. Eventually, she said, I would just see the past due amounts drop off. 

Mohela claims that I am now delinquent on my account in the amount {$1000.00}. 

Today ( XX/XX/XXXX ), my autopay again posted the amount of {$510.00}. I received confirmation over the phone that this is processing, but not the email communication the representative said I should have received. I have requested a paper copy of this payment to be sent to me. 

The representative I spoke with today spoke to a supervisor and reported to me that Mohela 's accounting department is still looking into the lost funds on my account. 
She said there is a high volume of similar cases occurring since the change to the new platform, and that the accounting department is very busy. There is still no timeline available for when this error will be fixed. I agreed to a temporary forbearance today to prevent my account being sent to collections. I will owe interest on my full account balance - including the funds already paid. 

I am concerned that this money has been mishandled, lost or that there is some other reason Mohela can't provide me with a receipt that matches their autopay confirmation emails or my own bank statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I cancelled a payment at a XXXX XXXX on XX/XX/XXXX. The pending charge was officially let go back into my account on the first business day of XX/XX/XXXX. The XXXX has shown me proof of the cancelled transaction and proof of money being sent back to the bank on XX/XX/XXXX. When I contacted SoFi they told me there would be a hold on the pending transaction for at least 30 days with no reason at all on why there is a hold form my account except to blame the merchant, being XXXX. XXXX has proven several times that the pending transaction is back in the hands of my bank. At this point SoFi bank is holding {$650.00} with no explanation or reasoning in sight on when I will get it back. It has officially been 17 days of this pending charge not back in out checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: NY

Complaint narrative:
In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Account in question : XXXX XXXX XXXX This account also has inconsistencies in the balance due. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate. 
I am not liable and refuse to pay this debt with XXXX XXXX. I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I received a letter from Goldman Sachs Bank USA, confirming my savings account closure. I did not open an account with them. Only the last 4 digits of the account was provided on the letter, along with my name and address. When I called the number provided on the letter, they asked me to verify the last 4 digits of MY social security number, my name, and my date of birth. I asked for additional information, which included the amount of withdrawal and when the account was opened and closed, but they couldn't give me that information. They did, however, give me information of what I needed to do to report this as fraud. They gave me the phone number for the FTC ( federal trade commission ) XXXX, but instead of calling, I came to the website, which redirected me to this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: PA

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I was called at XXXX XXXX  on XX/XX/year>. I did not answer and a voicemail was left. They called back at XXXX and I answered the call. I identified myself as a previous debt collector and told her that her collection practices were illegal and excessive. Especially since my payment, as she stated just came due over the weekend. She said that they can call from 3 to 7 times a day and that was legal. The company is One Main Financial in XXXX, IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have noticed some inquiries on my credit report that do not belong to me. I would like to report and dispute these inquiries. Could you please assist me in resolving this matter? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: IL

Complaint narrative:
These late payments are inconsistent with my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Midland Credit Management IncXXXX XXXX XXXX for Violation of FDCPA and FCRA To whom it may concern, I am writing to file a complaint against Midland Credit Management, Inc and XXXX XXXX XXXX for violations of the Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) Details of the issue : On XX/XX/XXXX I sent a certified debt verification letter as per FDCPA Section 809 ( b ) to Midland Credit Management, Inc to verify a debt they claimed I owed. I also exercised my right under the FDCPA to request that they cease all collection activities, including reporting the debt to credit reporting agencies until they provided me with proper verification of the debt. In response to my letter I was only provided with a few statements ( large gaps in statements ) by mail on XX/XX/XXXX, without additional documentation to verify the validity of the debt. 
This response is inadequate and does not constitute proper debt verification under the FDCPA. Proper. At minimum proper verification should include : Proof of original debt ( copy of original contract and statement of account ) Proof of debt ownership- Chain of title/custody Itemized account statement ( Breakdown of the amount owed and payment history ) Information of the original creditor ( name of original creditor and date of the original debt ) Account number Status of debt ( Charge off or open ) Despite the letter sent and request to verify the debt Midland Credit Management IncXXXX XXXX XXXX XXXX has failed to verify the debt. Furthermore, they have continued to report on this debt to credit reporting agencies even during the dispute period. This has caused damage to my credit report and violated my consumer protection rights and also FDCPA and FCRA Laws Violations 1. Violation of FDCPA Section 809 ( b ) : XXXX XXXX XXXX continued to report the debt to credit reporting agencies without first providing me with the verification of the debt as required by law. 
XXXX. Violation of FCRA Section 623 ( a ) ( 3 ) : By continuing to report the debt without verifying it, XXXX and Midland have provided inaccurate information to the credit reporting agencies XXXX. Violation of FCRA Section 611 : These companies have failed to properly investigate the disputed debt, leading to further reporting of inaccurate information Impact Due to XXXX XXXX XXXX Midland Credit Management XXXX Inc actions in misreporting ( reported on XX/XX/XXXX, and updated report on XX/XX/XXXX, by increasing the amount and also reported again on XXXX XXXX, & XX/XX/XXXX ) my credit score has been negatively impacted and I have experienced unnecessary stress and anxiety. I believe this a clear violation of my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
a company stole my identity and got a loan under my name directly into their bank account with the amount of {$110000.00}, they did not provide me the services and the company ran away and abandoned the promise and breached their contract with me. 

I have contacted these two loan companies numerous time to report this fraudulent and identity theft but loan companies are siding with the fraudulent XXXX  company. 

Please help me I am in a desperate situation facing sever hardship. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
a company stole my identity and got a loan under my name directly into their bank account with the amount of {$110000.00}, they did not provide me the services and the company ran away and abandoned the promise and breached their contract with me. 

I have contacted these two loan companies numerous time to report this fraudulent and identity theft but loan companies are siding with the fraudulent XXXX company. 

Please help me I am in a desperate situation facing sever hardship. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
a company stole my identity and got a loan under my name directly into their bank account with the amount of {$110000.00}, they did not provide me the services and the company ran away and abandoned the promise and breached their contract with me. 

I have contacted these two loan companies numerous time to report this fraudulent and identity theft but loan companies are siding with the fraudulent XXXX company. 

Please help me I am in a desperate situation facing sever hardship. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX DATE : XXXX XXXX ACCOUNT NUMBER : XXXX THE ACCOUNT STATUS AND PAYMENT HISTORY IS INCORRECT. PURSUANT TO THE FCRA I HAVE A RIGHT TO DISPUTE. PLEASE TO CONDUCT A REINVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: CO

Complaint narrative:
On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it.

Company response to consumer: Closed with explanation