vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Time and again I have approached EXPERIAN about its negligence AND NOW, INDIFFERENCE AND FRAUDULENT REPORTING OF INFORMATION. An account WORLD ACCEPTANCE/WORLD FINANCE REPORTED SIX YEARS AGO AT A BALANCE OF {$180.00}. THE ACCOUNT WAS CLOSED AND CHARGED OFF NO ADDITIONAL BALANCE WAS PRESENT FOR THE TERM OF 81 MONTHS EXPERIAN, XXXX, and XXXX all allowed feloniously and fraudulently said company to report monthly an additional balance of XXXXXXXX XXXX XXXX XXXXXXXX XXXX  monthly charged off balance resulting in today the balance being XXXX I disputed this via phone and dispute centers of the companies numerous times them to light of the Erroneously and fraudulently reporting on my credit file to date XXXX, Is the only company that has satisfactory relies their negligence and mistake and remove the company experience continues to modify disputes made investigation as well as had abusive statements to today change the status in history from charged off {$180.00} written off at {$180.00} and a past due amount of XXXX. To date I have asked for investigative details on how the allowance of this fraudulent reporting of occurred balance to a closed account has been allowed, resulting in numerous substantial injuries to my credit credit worthiness and personal and business lives as well. These tactics are abusive felonious fraudulent and deserve to be investigated fully, and the companies held responsible and made liable for my injuries from this abusive long standing injury and misuse of 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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I missed several payments due to my financial circumstances. My account was restricted. I have made many payments since then and was notified over the phone that my account restriction is permanent. I have not been notified as to why this is permanent. I have paid thousands towards this card with a very high interest rate and now I cant even use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
Applied for a HELOC with First United Bank and Trust ( https : //online.firstunitedbank.com ). They pressured us to open a checking account with them in conjunction with the HELOC ; we eventually agreed. After 4 months, they began charging a $ XXXX " service fee ''. When we noticed the charges, we called, they agreed to refund the charges and switch us to an account with no monthly service fee as long as we signed up for e-statements. 

They refunded the original set of charges, but did not make any change to the account ; we were still charged a $ XXXX service fee for the next XXXX months before we called again, they agreed again to refund the charges and switch the account type ( totally for real this time... ). We're now waiting to see if the second set of charges are refunded and the service fees stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Cascade Capital, LLC
State: CA

Complaint narrative:
In XXXX, I had an XXXX XXXX and due to massive XXXX I went to an ER. I had XXXX California at the time and did a basic ER visit because I was in XXXXXXXX XXXX  for XXXX. They checked my vitals, gave me a bucket to rinse my feet and prescribed me medicine. I did not get the medicine via them and instead took the basic information and went through XXXX. 

About a month later they sent me an ER bill for {$930.00}, an outrageous sum for a less than XXXX visit. They had no online services, refused to take in my info over the phone to contact XXXX. I ended up Faxing my information over. I heard nothing from them. I eventually switched to BlueShield via my employer 's health insurance, I even faxed that info over and no information was heard from XXXX XXXX XXXX. 

In XXXX of XXXX I became unemployed due to no fault of my own, living off XXXX XXXX insurance, and suddenly these people are demanding this " debt '' to be paid off. I had to dispute them off my collections via XXXX and now they somehow have acquired my new email address and are sending me letters via XXXX. I thought I successfully disputed that this item no longer belongs to me and is inaccurate to the services performed. I just had to go to XXXX XXXX XXXX for an ER visit, I was there for over XXXX hours and that bill is less than {$500.00}. 

I hate how they are bothering me. I played by their rules and they never contacted my insurance and my insurance always indicated that it shouldn't be an issue and because they weren't reaching out, their debt was inaccurate. I am currently acquiring health insurance via XXXX ( it would be an XXXX XXXX XXXX account in XXXX ) and I have no idea if even that coverage would assist me. They have ignored prior phone and fax information and have specifically told me they can never correspond over email. It's all extremely strange to me. 

I want them to stop bothering me, I have been unemployed since XX/XX/XXXX and don't have the means to acquire {$940.00} without going into massive debt on my credit card that I haven't already overspend in this unemployment period. I don't know what to do and I want these people to leave me alone. 

Their information : Original Creditor : XXXX XXXX XXXX XXXX XXXX Original Creditor Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Original Account Number : XXXX Patient XXXX : {$930.00} Location : XXXX XXXX XXXX Current XXXX XXXX CASCADE CAPITAL FUNDING , LLC Current Creditor Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Complaint Regarding Unauthorized Account Changes and Unfair Practices by Truist Bank Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Truist Bank for unauthorized actions on my bank account that have resulted in unjust overdraft fees and collection attempts. Specifically, Truist Bank changed my account to a " College Checking '' account without my knowledge, request, or authorization at some point in the past year. This change altered my overdraft policies without my consent, leaving me unaware of the risks associated with transactions. 

Further compounding the issue, Truist Bank closed my account without any notice to me. I only became aware of the closure when they began sending collection letters for overdraft charges and fees totaling around {$130.00}. The bank has no documentation or signed agreement showing that I requested or approved the change to a College Checking account, and if it does, then it is falsified. Notably, I am not even a college student, making this change entirely inappropriate. 

This situation suggests that Truist Bank may be engaging in deceptive practices similar to the ones for which XXXX XXXX was previously investigatedmanipulating accounts without customer consent to potentially inflate performance metrics and deceive shareholders. 

I am requesting the following actions : A cease and desist from any collection attempts regarding the fees and overdraft charges associated with this unauthorized account change. 
Investigate Truist Bank for deceptive and unauthorized account modifications. 
The banks failure to obtain the necessary consent and documentation demonstrates clear misconduct. I expect the CFPB to intervene in this matter to protect consumer rights and prevent further harm to other customers. 

Thank you for your attention to this matter. Please let me know if you require any additional information from me to facilitate your investigation. 

Sincerely, 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 explanation
Consumer complaint received 2024-10-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation unde

r the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an incorrect lat
e payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: PA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
There are two unknown hard inquires from XX/XX/2024 2024

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 2024-10-25 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: WA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX  I received automated emails from a banking company called chime that my new account was open. This account opening is fraudulent and was not done or concented in any way by me. The next day XXXX I received another email from this company saying my virtual debit card is ready and a new debit card is on its way to an old non current address. I called the company 's fraud department to get the account close with only provided my email address that they already have, and the address that they are sending a card to. They would not close the account. I researched scams with this company and these fraudulent account openings happens very frequently with chime and another company called XXXX. I need help getting my fraudulent account closed with chime and any future account attempt blocked permanently with any of my information without me giving any of my personal information to them. Due to the frequency of identity theft scams with this company I would also like to see them held lawfully accountable for thier lack of identity verification process that is leading to the company obtaining fraudulent funds in many accounts. I can forward the automated emails on request and provide phone records showing no contact with the company until after the new debit card email was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: MS

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: Selene Holdings LLC
State: UT

Complaint narrative:
XXXX XX/XX/year> I went to pay my mortgage payment as usual online with my mortgage company XXXX mortgage. My account had a notice that my mortgage was being transferred to Selene Finance and starting XX/XX/year> to make payments to them. I waited for a letter or call from Selene to be able to make a payment for XXXX to them but did not get one until XXXX ( so now 2 payments are due ). My mortgage payment has always been {$1500.00} and I was responsible for having my own insurance which I paid out of pocket for while I was with XXXX mortgage. My XXXX statement from Selene Finance, my new mortgage company, they have my monthly mortgage payment as {$2400.00}. I was shocked I called their phone number on the statement and there is no option to speak to a representative. There is no option to make payment of my {$1500.00} towards my account online and no way to remedy the situation. The statement provided a mailing address for letters only for customer questions or requests. I sent a letter asking for help to understand why my mortgage payment changed significantly more without notice and why there is no way to talk to someone. I feel like they are trying to make me lose my home with no conversation. It seems very shady and poor business practice. I feel like my rights are being violated, section 6 of RESPA says I am to receive a written acknowledgement in 5 days of my letter and they get 30 days to correct or follow through on my requests. I am very vulnerable to losing my home or going into default and am worried. I pooled together funds from XXXX and XXXX income to make one payment to cover the XXXX mortgage payment and mailed it to Selene Finance. To this day I have not seen it be applied to my account yet. My account number with Selene Finance is XXXX. My escrow account has very large sums labeled insurance on them and it seems like they are making a mistake I have insurance and I am in charge of paying for it myself. They approved of my insurance and still are charging my account in extremely large amounts regardless. This company needs to be investigated for their harmful business practices.

Company response to consumer: Closed with explanation