vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have not provided any written instructions to allow any Consumer Reporting Agency ; TransUnion, XXXX, or XXXX, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.

I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned. 

TRANSUNION : XXXX XXXX reporting a Collection whom I never had any account with is reporting an amount of {$1100.00} debt was XXXX by XXXX XXXX XXXX XXXX XXXX COMPANY XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX late payments XXXX reporting XXXX my consent XXXX : XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX BANK XXXX Account number XXXX Closed XX/XX/XXXX still reporting without my consent. 

XXXX XXXX XXXX Account number XXXX. XXXX Account still reporting without my consent. 

XXXX XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX Still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX Account number XXXX XXXX without my consent. 

My address information is incorrect and should only show XXXXXXXX XXXX XXXX XXXXXXXX Ohio XXXX any other address needs to be removed.

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 2022-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My XXXX XXXX XXXX credit card that was administered by Comenity Bank- a service owned and part of Bread XXXX- has continually failed to provide accurate and timely monthly statements of my account. These monthly statements are required from a CFPB perspective and necessary for me to know balances owed, fees, interest etc.. and to remit payments. I've reached out to the company multiple times and even filed a complaint with the CFPB, and the company has failed to rectify the issue. To date I still do not have access to my current monthly statements. The company claims there was a temporary outtage due to a technical update, but that that has been completed now and their systems restored. This however is not the case, as I am providing a snapshot of what I see today showing I have NO statements provided or available to me since XXXX of 2022. No attempt to provide these in a timely fashion via mail or within my online profile without me having to contact customer service has been adhered too. Bread should be held liable and fined for non-compliance with these requirements and customers should be compensated for their time and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Borrower was approved for a trial modification. Although they made the payments they did not return their documents in time and the offer was canceled and the loan was removed from home preservation. When the borrower attempted to go back through re-entry the dept said they couldn't allow it because it was within XXXX XXXX  of the sale. However when the borrower was approved for the first trial modification Wells Fargo said as long as the borrower submitted a complete application XXXX business days prior to the foreclosure they could postpone the sale which they did.

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 2022-12-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Alliant Capital Management LLC
State: IL

Complaint narrative:
During the year of XXXX I took out a Payday Loan of XXXX dollars at the store location : XXXX XXXX XXXX XXXX XXXX Illinois XXXX which is no longer open for business now! It is closed down! I paid this company XXXX dollars back but was unable to pay the interest amount to them due to the Pandemic. I was told since I default on my payment plan I XXXX to start over and pay XXXX dollars to them. After talking to XXXX XXXX XXXX on yesterday, I was told my account was sold to a 3rd Party called : Alliant Capital Management located : XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. Alliant have harassed me with phone calls threatening to have me served at home or my work with papers. Even after me telling this company I just had XXXX XXXX and other illness they continue to harass and threaten me. The lady told me she didnt care. 
Please.help me to solve this problem! 
Thanks! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I have just reviewed my credit file I have included the following inquiries showing up on my XXXX XXXX have been XXXX during this time I did not authorized these inquiries. These companies did not have permissible purpose or my written permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LCS FINANCIAL SERVICES CORPORATION
State: CA

Complaint narrative:
XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. 

Upon contacting the three major credit reporting agencies, I discovered that XXXX of the XXXX credit XXXX agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so. 
By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially. 

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Hi Im Authorizing this complaint on my behalf. I cant believe you guys are taking a vantage of me. I have sent several letters out to the credit bureaus and they all have said they comply with FCRA guidelines. 
I have come to understand they are reporting inaccurate information. The day are open the account is inaccurate, so is the reporting. Its been more than 60 days I need these counts deleted and updated. if not I will file my attorney damage because you are a violation 15 USC code 1681a and 15, USC code 1681n as well. I will like immediate assistance

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
2019 repossessed 2019 charged off been reporting since XXXX 2019nasa charge off with a past due balance charge off cant report as past due since debt is charged off

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
2019 repossessed 2019 charged off been reporting since XXXX 2019nasa charge off with a past due balance charge off cant report as past due since debt is charged off

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 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been paying my mortgage payments every month. I am with Freedom Mortgage. My XX/XX/XXXX Mortgage statement states I have {$7400.00} in my escrow balance. I have not had a negative escrow balances in my monthly statements. XX/XX/XXXX statement says im Negative {$12000.00} and will be charged extra {$2000.00} a month for the rest of the year. That doesnt seem legal. Please offer some guidance as to what my next steps should be.

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XXXX XXXX I used my chime debit card at XXXX XXXXXXXX XXXX  to withdraw {$600.00} from the ATM. A message came on the ATM screen that read money can not be dispensed at this time. The machine returned my debit card back to me with a non-dispense of funds and no receipt. I checked my checking account and {$600.00} was deducted from my account. I immediately called Chime support and they informed me they would submit a dispute on my behalf and I would receive a temporary credit until the matter was settled. I received a email from chime support that my claim was denied. I requested documents from Chime explaining the reason my dispute was denied, I NEVER received them even after numerous calls. I then got in touch with the merchant who informed me a refund was placed back to my bank holder, which I told them I never received and my bank is denying my dispute. The merchant then provided me documentation stating what happened with the non dispense and when the money was returned to my account. I did forward those documents to Chime support in a email that they still denied after I provided documents. Ive called chime support several times with no resolution or funds credited to my account. When calling chime support they have no ideas why my dispute is being denied after giving information from the merchant and informed me to resubmit them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
Two of my three mortgages were transferred in XXXX or XXXX of this year from XXXX to BSI Financial. One mortgage became an issue when they did not apply my payment, although I had proof of payment. I emailed the customer service email several times with no response. I continued to try to call but the hold time was so lengthy. I finally got through, spoke to a manager and the problem was resolved. Then my other account began to show past due when I had proof of payment. This account has had multiple issues for months now. I have spoken to so many managers that promise they will see the issue through to completion and then never do. I have emailed them directly, left voicemails on their personal voicemail, emailed the customer service number and never get a response. I finally found a number to get to escalations and worked with XXXX XXXX. He advised me that all of my late fees were waived, I was told to pay {$330.00}, which I did. Today I downloaded an XXXX spreadsheet and it appeared that two late fees that were charged on XXXX and XXXX had not been reversed. I called back in to the escalation department and got XXXX XXXX, who was the last person I spoke to. From the beginning of the conversation, he was condescending and rude with me, said the fees had been removed and my amount due is {$0.00}. He would not give me the opportunity to explain that I believed those fees were in the {$330.00} that I had paid to get everything on track. He continued to scream at me, stating he was " done with the conversation '' and would not listen to me at all. He kept telling me the conversation was recorded. I ask that an execuative with BSI find that recording and listen to the way this person spoke to me. After I told him I would be contacting the XXXX  he calmed down and then realized that ... I was correct that the late fees were not reversed. I can not begin to tell you how many hours I have spent trying to get my BSI account straightened out. The customer service is the worse I have seen in my 25 years of owning homes. I would like someone from the corporate office to call me.

Company response to consumer: Closed with explanation