vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: AZ

Complaint narrative:
Department of EDU, account number XXXX 15 u.s.c. 1681section 602 A. States I have the right to privacy.

15 u.s.c. 1682 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 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 crime 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 2024-03-28 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: TN

Complaint narrative:
On the morning of XX/XX/2024 ; I woke up to 4 different charges posted to my Wells Fargo Everyday Checking account from XXXX XXXX in the grand total of {$850.00}. I immediately reported my debit card as compromised on the Wells Fargo app. I set up a replacement card via XXXX XXXX and within that 5 minute span, the 4th and final charge was made. I called Wells Fargo and explained to them that these charges were not made by me and there is something wrong with both my Wells Fargo account as well as my XXXX XXXX  system, my claim was denied by Wells Fargo. I called in attempt to escalate the situation and was told You can always file a lawsuit against us by the representative

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 2024-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CHERRY TECHNOLOGIES INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I received financing for a surgical procedure in the amount of {$10000.00}. The receipt I received via email stated your " XXXX XXXX XXXX XXXX XXXX XXXX is confirmed '' Your contract reference is XXXX. Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Loan Servicer : Cherry Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX. I made my first payment of {$260.00} on XX/XX/24 before I saw the surgeon. Once I saw the surgeon he declined to do the procedure. The surgeon is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : XXXX. The procedure did not take place and I notified the servicing company in writing that I would not need the loan and to please cancel it. I did this immediately, the very next day. They responded to me in writing via email and stated " to request a refund, please contact the practice where you used Cherry to make a purchase. We defer to the refund policies put in place by our partner practices and can not initiate a refund without their approval ''. This is insane to me because I didn't have the surgery. The practice didn't take out the loan, I did. I feel as if they should have verified that the procedure was cancelled and then cancel the loan asap. The next payment is due to come out of my account on XX/XX/XXXX. This means I will be paying for a loan on a surgery that I never had. I want this loan canceled immediately and my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: FL

Complaint narrative:
These inquiries were conducted without my approval, and I lack the relevant information. Please remove them promptly.

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 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX they refused to send statements. XX/XX/XXXX mortgage doubled w/o notice they refused to tell me why. Attorney said not legal. They then I became successor. XX/XX/XXXX and XXXX they did not send statements. Emailed XXXX on XXXX. Rcvd Mailed copy XXXX XXXX .March they informed me I was no longer successor XXXX refused to take Ap pymnt. XXXX the man said we can take your payment but can not communicate abt anything. I have over XXXX in escrow as well as when escrow changes ( due to real estate fraud ) now I dont know where all my money will go. I have been paying since XXXX. Husband passed XXXX father in law XX/XX/XXXX. By XX/XX/XXXX it has been a nightmare game with them. Including they claim to have rcvd assumptions packet then weeks later closed saying I never emailed it in. Making me guess what the new payment is no one ever tells you the same or correct info. No one. This is in my father in laws name. I am the only one making payments. They send surplus to est of father in law. Late XXXX they put surplus into escrow. Now where does my money go? Why do I have to fight to make a payment or get 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 2024-03-28 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: FL

Complaint narrative:
I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act, Public law91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I believe the account with CREDIT COLLECTION SERVICES might be questionable. CREDIT COLLECTION SERVICES must verify through a legally binding statement that the claim is valid and devoid of any breaches of agreement, lack of consideration, or significant alterations, ensuring that the original lender received fair value. Additionally, they must confirm that the transfer of the alleged account was conducted in good faith with the consent of all parties involved. If XXXX XXXX XXXX can not furnish this sworn statement, I insist on the removal of the account from both my credit record and their records. CREDIT COLL XXXX

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 2024-03-28 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: PA

Complaint narrative:
I did not initiate this account, and I strongly suspect it to be fraudulent. I have previously contacted the collection agency regarding this matter, but the issue remains unresolved.

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 2024-03-28 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: CO

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
XXXX fraudulent checks were paid by TRUIST against our account in XXXX, XXXX and XXXX, XXXX, totaling {$140.00}. This is the second time this has occurred. The first time was in XXXX, XXXX. In both cases, I communicated with TRUIST and submitted Affidavits of Fraud as requested. After the first case, the bank reversed the charges to the account. For the most recent charges, the bank informed me today ( XX/XX/XXXX ) that we should have closed the account and opened a new one as the account had been compromised. They never communicated this to me after the first problems we had with these fraudulent charges. The bank denied the reversal of the charges. 

The account belongs to a non-profit that provides transitional housing in XXXX  XXXX DC. Though the amount is very small, I am following-up on this matter due to the principle at stake here. We never wrote these checks, and the bank should have taken responsibility for their being charged against our account.

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 2024-03-28 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: OH

Complaint narrative:
I wan to file for an immediate removal of a hard inquiry listed on my credit report that I believe to be unauthorized. Upon reviewing my credit report, I noticed an inquiry listed that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TN

Complaint narrative:
On XX/XX/2024 I submitted a notarized letter to Equifax directing them to remove all old address, incorrect name, and outdated telephone numbers from my credit file. I included with the letter, documentation to prove my identity as well as to coincide with the request in question. I contacted the XXXX Police Department on XX/XX/2024 about a case of identity theft at the address listed on my request to Equifax and a report was created for identity theft. I followed all proper procedures and policies to get Equifax to remove the old ( outdated ), inaccurrate, incorrect, and fraudalent information from my credit profile ; but to no avail. The fraudalent information is still listed on my credit file and is causing me undue harm and financial hardship. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). My identity was compromised in the Equifax data breach, and its the ( CRAs ) responsibility to correct erroneous errors which cause harm to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NC

Complaint narrative:
I have a short-term installment loan with Klarna. I had a payment due on XX/XX/XXXX for {$87.00}, which was missed. Today, XX/XX/XXXX, I received an email stating that this missed payment would be added to my installment due on XX/XX/XXXX. I accessed the Klarna app to make the past-due payment, however, there is no option to pay this past-due installment now. 

I chatted with a Klarna agent named XXXX who stated that Klarna 's system limitations do not allow for " partial payments ''. The total now due on XX/XX/XXXX is {$180.00}, with no ability to pay the past-due amount before then. 

Refusing to accept the payment adds considerable interest charges to the total balance of the loan. I believe that this is predatory behavior on Klarna 's part, and a system limitation should be no excuse for predatory lending practices such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: FL

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly review the paperwork? Several of the mentioned accounts exhibit inaccuracies in terms of reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Following company reported charge fake and fraud. the charge reported XXXX It's identity theft and wrong some amount charge which has no relation with my any service. 
I've found SUNRISE CREDIT SERVICES GROUP has did my identity thrift and harassments my credit report. 

SUNRISE CREDIT SERVICES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY 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 explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding the inadequate billing information and limited payment options provided by XXXX XXXX XXXX. Despite repeated requests, essential details such as " bill due '' and " amount due '' are absent from the banking dashboard, leaving me uninformed about my financial obligations. 

Furthermore, upon relocating from XXXX to the XXXX XXXX, I found no online payment options available, leading to a missed payment and subsequent negative impact on my credit score. This lack of transparency and flexibility is unacceptable. 

I urge you to address these issues promptly to prevent similar inconveniences for other customers in the future. 

Sincerely, [ Your Name ]

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 2024-03-28 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: KY

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: APPLE FINANCIAL HOLDINGS, INC.
State: TX

Complaint narrative:
I am a checking account holder with Apple Bank for Savings for over 20 years and the Social Security Administration uses to deposit my Social Security Income every month. The bank is aware of my ATM card being damaged for over a year and I sent a copy of lease and state identification card to their Center location. They never sent me a new ATM card and I needed money for food and diapers. So, I wrote a check payable to my daughter who lives with me and taking care of my expenses on XX/XX/XXXX. After the check was cleared on XX/XX/XXXX, and got to her account that is located in another bank XXXX XXXX  XXXX XXXX ). Apple Bank back charged against her account that is now - {$240.00}. I called them and spoke with an employee and his manager and she replied we aren't serving customers outside the state and we can not fix a thing in the past ( referred to the check ).

Company response to consumer: Closed with explanation