vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: UT

Complaint narrative:
In trying to obtain new auto insurance I keep getting told that I either can't be insured or extremely high rate quotes based on Claims Loss Underwriting Exchange Report claiming I have an excessive number of insirance claims. I do not have any, not one insurance claim in over 10 years, maybe a lot more, that are claims that I am responsible for. I have had two accidents in the last five years in which I was NOT responsible as I was T-boned on both occasions by the other distracted drivers. Of course I am/was involved with those claims, but in no way at fault or responsible. A third claim of my involvement was an RV/Camp trailer that was stolen. This was also no fault of mine and has had no affect on my ex wife 's ability to be insured so why am I being targeted with these. If there is anything else on the report, I have no idea. Because somehow a third party company can see my report in a matter of seconds, yet I have to order mine and wait for mailed instructions to tell me how to access it. Well, I need auto insurance now. Anything else in my report about any other claims is going to be false. Whether fraudulent, mistakenly added, duplicated or whatever the case may be. There should be no claims on my record that I am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
4 mortgage servicers since I refinanced in late 2021. This is extremely frustrating as each time the servicer changes I have to create a new account, contact the servicer to update payment information and/or deal with escrow issues. Most current issue is that the new servicer is not paying the insurance premium to my property insurance company. Apparently Mr. Cooper did not contact the insurance carrier to let them know where to send the renewal or Mr. Cooper did not forward the renewal to the new servicer. I called the new servicer, RightPath, and the first representative hung up on me after I was tortured by their automated system. Next rep transferred me to another rep. That rep transferred me again. After being on hold for about half an hour, it took more than an hour to deal with this and the issue is still not resolved. I'm not allowed to transfer my mortgage, why are they allowed to do this? Even if it's allowed there needs to be rules that require the servicers to make the sale or transfer seamless to the borrower. Totally insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureau posted unauthorized credit inquiries on my credit profile. I have requested a full investigation to verify these and the credit bureau has not provided their verification sources they sent me a letter saying that they have verified these inquiries.

I want to reference several sections of the Fair Credit Reporting Act ( FCRA ) to support my dispute.

Section 605B - This section of the FCRA requires consumer reporting agencies to block the reporting of fraudulent information on a consumer 's credit report, including fraudulent inquiries. If I believe that a hard inquiry on your credit report resulted from fraud, I can request that the credit reporting agency block the inquiry from my credit report.

Section 611 - This section of the FCRA outlines my rights to dispute inaccurate information on my credit report. If you believe that a hard inquiry on my credit report resulted from fraud, I can dispute the inquiry with the credit reporting agency and provide evidence of the fraud, such as a police report or affidavit.

Section 623 ( a ) ( 2 ) - This section of the FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on a consumer 's credit report. If I dispute a hard inquiry on my credit report that I believe was the result of fraud, the credit reporting agency must investigate my dispute and either remove the inquiry from my credit report or provide me with evidence to support its inclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The company has been provided with an official student loan deferment document that was signed by a school administrator. The company refuses to cooperate with federal laws that govern credit reporting. 

I would like to reference these credit laws/act that protect consumers against negative reporting by bureaus and creditors. 

The Fair Credit Reporting Act ( FCRA ) - The FCRA requires that credit reporting agencies maintain accurate and complete credit reports for consumers. If you believe that the late payments on your federal student loans account are being reported inaccurately, you can dispute the information with the credit reporting agencies under the FCRA. 

The Higher Education Act - The Higher Education Act includes provisions related to the reporting of student loans to credit reporting agencies. Specifically, the Act requires that credit reporting agencies remove any negative credit reporting related to a defaulted federal student loan if the borrower enters into a rehabilitation agreement and makes nine on-time payments in a ten-month period. 

The Department of Education XXXXs Credit Reporting Guidance - The Department of Education provides guidance to loan servicers regarding the reporting of federal student loans to credit reporting agencies. This guidance includes information about how late payments should be reported and may provide grounds for disputing any inaccurate information on your 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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Upon card has been activated a got 2 charges from same merchant which I did not make it. I was trying to contact them via phone number and visited branch but they keep saying me that I need to pay full amount for fraudulent transactions. I disagree with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
I was assured that once the new loan terms were set up XXXX of XXXX, that the information would be updated on my credit report. The balance has not been updated correctly nor has the monthly payments. The line item is still reporting as charged-off / past due, and the balance is still reporting the same amount, {$16000.00} from 10 months ago, and also as if a payment has not been made since XXXX of XXXX. I have not missed a payment as of the setting up of the new loan terms in XXXX of XXXX. I have the account set up as a direct ACH draft from my checking account. 
This is not my interpretation, but of a credit analyst with XXXX XXXX XXXX, which reviewed the documentation provided to me by the Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX You are direct violation of The Fair Credit Reporting Act ( Ally Financial Account number XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A, clearly states that I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under 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 explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See document attached

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 2023-04-28 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 — Their investigation did not fix an error on your report
Company: Green & Sons Agency, Inc.
State: CO

Complaint narrative:
I submitted a letter to Outsource asking for validation of an alleged debt they have placed on my credit report. I specifically asked for a statement showing charges, any payment history, an invoice from the original provider. They responded with a letter stating they verified my name and address and amount owed, with the original provider, their letter also states that they included a " list of charges '', " a billing statement provided by their client '', yet they sent none of this to me. 

Ive included their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 explanation
Consumer complaint received 2023-04-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XX/XX/2019 for {$810.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions

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 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have no proof of this debt. I have used for a detailed statement from this company and have yet to received proof. The company has sent me no proof of detailed information about this debt. I would like a detailed statement from the original company that sold the debt to Jefferson Capitol Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: FirstPoint Collection Resources
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NY

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
In XXXX, I discovered fraudulent transactions that fully wiped out all the balance on my XXXX XXXX dollars Vanilla Visa Gift Card. I contacted InComm to dispute the transaction, and I was told by XXXX that they would initiate an investigation to recover the fund. I was subsequently informed of the reference number XXXX. In XXXX, I received a partial replacement of about XXXX dollars. I contacted InComm costumer service and they told me that not all transactions were reported as fraudulent in XXXX. I was given a new reference number of XXXX for the second report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The company has been provided with an official student loan deferment document that was signed by a school administrator. The company refuses to cooperate with federal laws that govern credit reporting. 

I would like to reference these credit laws/act that protect consumers against negative reporting by bureaus and creditors. 

The Fair Credit Reporting Act ( FCRA ) - The FCRA requires that credit reporting agencies maintain accurate and complete credit reports for consumers. If you believe that the late payments on your federal student loans account are being reported inaccurately, you can dispute the information with the credit reporting agencies under the FCRA. 

The Higher Education Act - The Higher Education Act includes provisions related to the reporting of student loans to credit reporting agencies. Specifically, the Act requires that credit reporting agencies remove any negative credit reporting related to a defaulted federal student loan if the borrower enters into a rehabilitation agreement and makes nine on-time payments in a ten-month period. 

The Department of Education 's Credit Reporting Guidance - The Department of Education provides guidance to loan servicers regarding the reporting of federal student loans to credit reporting agencies. This guidance includes information about how late payments should be reported and may provide grounds for disputing any inaccurate information on your 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 2023-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: WA

Complaint narrative:
The last several months have been a terrible experience with Planet Home Lending. 

I previously elected not to receive paper copies of monthly mortgage statements and set up automatic monthly payments with my bank. As a result of not receiving monthly hard copies of mortgage bills, I did not know that my escrow charges had gone up sometime in XXXX. When I found out in XXXX, XXXX, from Planet Home Lending that my payments were short due to an increase in escrow requirements, I called them and was told the shortage amount was {$190.00}, which I IMMEDIATELY PAID ; they cashed the check XXXX XXXX, XXXX. 

During that phone call, I explained that Planet Home Lending did not notify me of the required escrow increase via mail or email and, furthermore, did not contact me via phone, so I was unaware of any required payment increase. As a result of that conversation, I was told by the Planet Home Lending customer service representative that late fees would be removed from my account. This did not happen. 

The next month, my XXXX. XXXX, XXXX statement arrived with a late charge of {$60.00}. So, again, I called and their representative told me she would request it be removed. Again, that didn't happen and my XXXX statement arrived with the late fee still noted on my payment requirement. 

I called Planet Home Lending, XXXX. XXXX, XXXX, and once again had to explain the circumstances to their representative ( this was the third time ), including informing the representative of the commitments from previous representatives to remove the late fee. After being put on hold three times with this representative, named XXXX, ( presumably so she could talk with a higher-level supervisor ) she came back onto the phone call and told me that I would just have to pay the late fee. 

Therefore, rather than deal with them any longer, I sent Planet Home Lending a check for the {$60.00} late fee simply because I did not want any late indications on my account ( I value my credit and take pride in meeting my financial commitments ). 

My complaint is that they are charging me ANY late fees at all since they never notified me of an required increase in monthly payments. My view is that not notifying someone of a required payment increase and then charging them late fees is a predatory lending practice and one that may even be grounds for a class action lawsuit. 

I have since requested paper copies of monthly mortgage statements be mailed to me so that I avoid not being notified by them in the future. However, I should not have had to pay their late fees when they failed to notify me by phone, mail or email of a required payment increase in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I was the victim of identity theft. In XXXX of 2022, a XXXX XXXX XXXX checking account was opened in my name. I was able to close this account. XXXX representatives instructed me to contact Chexsystems and place a freeze, which I did in XXXX. I also have freezes with all three credit bureaus. Earlier this week, another XXXX checking account was opened in my name despite all freezes ( Chexsystems and all three credit bureaus ) being active. After speaking with Chexsystems, they informed me XXXX ignored their security freeze. When I spoke to XXXX about this, they informed me that this had happened before regarding Chexsystems and they believe the Chexsystems security freeze is not working properly. They directed me to the FTC and I have made my way here to report my issue with Chexsystems and/or XXXX XXXX  XXXX regarding this issue.

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