vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I have been paying my loan every single month since XXXX. I pay the amount dictated by the terms of my SAVE plan ( {$33.00} ). However, the balance has never once gone down, and the interest continues to accrue steeply. The interest has swelled over {$1000.00} despite my never missing payments and this month it capitalized making my balance grow even higher despite making all payments. 

I was able to get a representative for Mohela on the phone several months ago. After a nearly 2 hour conversation ( where I was mostly left on hold ), the representative said that she wasn't sure why this was happening, even after consulting with supervisors. The phone call ended up being disconnected on their end and they did not call me back or ever respond to my email about this issue. Taking 2 hours to talk with Mohela in the middle of the workday is completely unreasonable. Especially when it ends up being deflected through numerous holds and being hung up on without any resolution of follow-up. I have also sent them written messages to which they have never responded. 

I'm unbelievably frustrated. I am holding up my end of the bargain, but they continue to be negligent and uninterested in helping the people they are servicing. It's like they hope I'll just give up on resolving this if they put me off for long enough. These are not ethical business practices. 

Any help you can provide would be greatly appreciated. I have screenshots of all of my monthly payments as well as the month-to-month loan overview. 

Please let me know if I can provide any more info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed my address and personal information on all 3 credit reporting agencies. They have all failed to correct the address. My address is XXXX XXXX XXXX XXXX, FL XXXX. The has always been my address. No other addresses should be reporting on my credit report. It has also been the only address on my drivers license. Any other address that is on my credit is a result of fraud. I have attempted to remove it with no success on XXXX, XXXX, and Transunion. I have also filed a report on XXXX XXXX. and submitted it to those reporting agencies but they failed to remove them. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately.

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 2024-06-02 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: NY

Complaint narrative:
Hello. Ive had PayPal credit for years. In my entire time with PayPal Credit, I set up two auto-pay payment plans before. One was started XX/XX/year>. I need to know when was the other one started and ended? 

I need documentation of these dates. I keep calling and chatting with PayPal agents and no one has answered me. They keep telling me a manager will call me and no one has called. Ive been trying to get this information for a year now. Please answer the one questions straight forwardly. Thanks. 

PayPal Credit Account Number Ending in 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 2024-06-02 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: CA

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 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 2024-06-02 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: CA

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 2024-06-02 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: VA

Complaint narrative:
I am writing to let you know that I recently received my credit report and noticed an unknown collections account. This account does not belong to me. I have been facing issues with identity theft for the past XXXX years. The account name is ( XXXX XXXX XXXX ) .The account number : XXXX. Please reinvestigate the completeness of every piece of information from this account and remove it from my credit report immediately.

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 2024-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Turner Acceptance Corp.
State: AL

Complaint narrative:
XX/XX/XXXX Company emailed a letter of the contact retail installment. Vehicle was sold at the auction for a lower value. Car was sold XX/XX/XXXX. The numbers that were given does not match the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just received my credit report and noticed that you are reporting this account incorrectly. This Late payment history is reporting the following months inaccurate, For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not paid at all But for EquiFax it shows everything is paid up untill the month of XXXX XXXX XXXX XXXX it shows a closed account with no credit history. This is inaccurate credit report, According to the FCRA, I have the right to an accurate credit report, Please remove this Account immediately from my credit report. Please provide me copy of my new credit report reflecting this account removed upon completion thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: IN

Complaint narrative:
The following accounts listed in the FTC does not belong to me. I am a victim of identity theft. Im requesting validation of this debt and a signed document of my original signature. 
1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2.1. Validation of the debt-that is, the actual accounting.

3.

4.Verification of signed Invoice.

5.A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6.Please provide the original docurse and wet signature if you cant provide these items Delete them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have 18 student loans with Department of Education/Netnet that are reporting incorrectly on my credit report. The accounts are closed due to a consolidation, however the payment history status on the closed loans are only reporting for 4 months. All of the loans are currently reporting on-time payments for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, instead of ALL of the on-time payment history for the life of the loan. The loans do not have visible loan numbers on my credit report so I will list them by the date each loan was opened and the amount of each loan- to identify the loans I am referring to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the response I received from a previous dispute regarding account : XXXX XXXX XXXX XXXX XXXXXXXX, it was not clear on the information that was requested from the reinvestigation.15 USC 1681I ( a ) ( 6 ) ( B ) ( iii ) ; ( iii ) a notice that, if requested by theconsumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to theconsumerby the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. This account was found to be inaccurate and unverifiable, therefore violating my consumer rights. It was removed from the other agencies, and I demand that XXXX also do the same.

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 2024-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, I was sent e-correspondence from Synchrony that my Amazon store credit card credit limit was reduced from {$3000.00} to {$2100.00}. I have never missed a payment, yet Synchrony decided, without my authorization, to look into my full credit report/profile and lower it. 

This was executed without any prior notice or apparent reason. As a responsible cardholder who has never missed a payment, this arbitrary action has had a detrimental impact on my credit rating, and I seek immediate attention to rectify this issue. 

Maintaining a healthy credit score is of utmost importance to me, and I have consistently demonstrated financial responsibility by ensuring all my payments are made in full and on time. Despite my diligent efforts, the sudden reduction of my credit limit has adversely affected my credit utilization ratio, thereby causing an unjustified drop in my credit score. This unwarranted decrease in credit limit not only undermines my financial standing but also hinders my ability to access credit in the future under favorable terms. 

I value my relationship with Synchrony Financial and hope for a prompt and fair resolution to this matter. CFPBs assistance in addressing this issue will not only restore my credit limit but also reaffirm my confidence in your commitment to customer satisfaction.

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 2024-06-02 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:
The information on my credit report is incorrect and I advised the company to respond to my letters but they keep ignoring my request. Please update my credit report accordingly and delete the negative items.

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 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion, Repeatedly and continuous reviewing of my credit report, I cant explain why all this erroneous reporting unauthorize inquires which are not mines are listed below. Please remove all and delete all from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
Got mulitpule calls from this company saying that i owe a debt and that i needed to pay it before my wages started to get garnished. i told them i dont know of such debt and can i be provided in paper form the original contract with my signature on it and proof that they have the right to collect a debt from me an i was never given the proof that i asked for.

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 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
In XXXXXXXX XXXX XXXX, my wallet and my phone was stolen I had over XXXX gone from my account because of that and I dispute with chime in XXXX XXXX XXXX to get my money back and and they refused to give my money back for this I sent polices reports and prove my location and did 6 rebuttals with them and keep refusing and saying they dont see an error when I show them everything including writing them note tell them about the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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'VE NOTICED UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORT AND THESE ACCOUNTS HAS AFFECTED MY CREDIT SCORE NEGATIVELY. 

THE ACCOUNTS ARE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-02 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: PA

Complaint narrative:
I'VE NOTICED UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORT AND THESE ACCOUNTS HAS AFFECTED MY CREDIT SCORE NEGATIVELY. 

THE ACCOUNTS ARE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-02 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: GA

Complaint narrative:
I have XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that are reporting incorrectly on my credit report. The accounts are closed due to a consolidation, however the payment history status on the closed loans are only reporting for 4 months. All of the loans are currently reporting on-time payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, instead of ALL of the on-time payment history for the life of the loan. The loans do not have visible loan numbers on my credit report so I will list them by the date each loan was opened and the amount of each loan- to identify the loans I am referring to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-02 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: GA

Complaint narrative:
I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting incorrectly on my credit report. The accounts are closed due to a consolidation, however the payment history status on the closed loans are only reporting for 4 months. All of the loans are currently reporting on-time payments for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, instead of ALL of the on-time payment history for the life of the loan. The loans do not have visible loan numbers on my credit report so I will list them by the date each loan was opened and the amount of each loan- to identify the loans I am referring to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief