vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Thank you in advance for your help in this matter, in short, Rocket Mortgage or it's affiliates stated they would inquire on my XXXX XXXX time and they inquired 12 times or more without my permission in less than 30 days. 

Rocket mortgage told me don't worry that my credit is no longer affected by their errors or fraudulent inquires because they are a year old... but they are still affecting my credit score in a massive negative way. 

The excessive inquires started on XXXX and went through XXXX " Rocket Mortgage also told us that even though they should not be effecting my credit score they will not write a letter and remove these erroneous excessive credit pulls because they might be affecting my score. '' This is the only thing that is affecting my score negatively and my score is XXXX points lower for a year and a half and has cost me in many ways including higher insurance, higher credit card rates, loss of benefits, reduction in work opportunities and reduction in ability to qualify for community service work such as foster care respite care. 

Please help by requiring Rocket Mortgage to write to all three credit agencies and remove all but one of their hard inquires that they state shouldn't be affecting my credit anyways, but clearly it is, after having a credit expert review my entire financial status. 

in friendship, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: IL

Complaint narrative:
VOLKSWAGEN CREDIT XXXX IS IN VIOLATION OF THE LAW ACCORDING TO 15 USC 1681a 2 ( A ) ( i ) which states that, any reporting containing information solely as to " TRANSACTIONS OR EXPERIENCES '' between the consumer and the person making the report. So reporting LATE PAYMENTS IS CONSIDERED, BY LAW, A TRANSACTIONS OR EXPERIENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The address they have listed is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
investigation i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their.

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 2023-04-07 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: VA

Complaint narrative:
See 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 non-monetary relief
Consumer complaint received 2023-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : XXXX XXXX XXXX. Which is not even connected to an open account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/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 2023-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
XXXX XX/XX/XXXX {$13000.00} was transferred from my XXXX bank account to a new Ally savings account. Im that time Ally closed the bank account so there was nowhere for the funds to land. Ally said they refused the transaction from XXXX XXXX  and the money was reverted to the original account. The money has not made it as of XX/XX/XXXX. I opened a dispute with XXXX XXXX, it was denied. XXXX XXXX  claims it is XXXX fault, Ally claims it is XXXX XXXX  fault. I have spent several hours over several days on the phone with both banks and with no success. 

Below is the information Ive document during that time : XXXX XXXX  info : Trace ID : XXXX Opened a claim on XX/XX/XXXX to claim my missing funds : Tracking ID XXXX XXXX Bank advised they Denied my dispute XXXX They reopened the dispute once I provided a new Trace ID that I was provided XX/XX/XXXX. 

XXXX Bank Told me to open up a police report and get a lawyer and that there is nothing more they can do. Called back with new XXXX ID from Ally XX/XX/XXXX and they reopened the dispute. 

Ally Transaction number : XXXX Amount : XXXX Original call requesting XXXX ID they claim they can not find Wont provide name of XXXX working in the case or put me in touch with anyone. They send me to an education inbox- nobody calls me back as of 4 business days later. 

XX/XX/XXXX Ally provide Trace ID : XXXX - Second Trace ID XXXX This is the XXXX XXXX  XXXX ID and not the one for reversing the funds. 

They claim they had an influx of identity theft problems on the week of XX/XX/XXXX and that XXXX have contributed to the problem. 

XX/XX/XXXX is the first day Ive been forwarded to a supervisor dispute calling several times and requesting to be As of XX/XX/XXXX this issue has not been resolved

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 2023-04-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account is reporting late payments during covid and while on deferment these are FCRA violations. Remove this late payment reporting in XX/XX/2020 on account 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 2023-04-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account is reporting late payments during covid and while on deferment these are FCRA violations. Remove this late payment reporting in XX/XX/2020 on account XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MS SERVICES LLC
State: SD

Complaint narrative:
I advised them to contact me via in writing and disputed the debt XX/XX/XXXX. They contacted me again via phone in XXXX and was rude and hung up when I advised them of the violation. This debt was valid in writing at all. The only thing I have received is a bill no validation of the debt at all and they have reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Synovus Bank
State: FL

Complaint narrative:
A Synovus budget checking account was opened without my consent or knowledge. I received a statement of account with a balance of {$20.00} and a service fee of {$5.00} in the mail from XX/XX/2023. Ive called the company at the number provided, XXXX, and they were unwilling to provide the information about the account or its origin without me providing personal information. I was told to contact my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I have a substantial balance on my USAA credit card at an interest rate greater than 22 %. Due to cash flow issues largely out of my control I called them and asked for a payment holiday. A payment holiday would simply mean I do not have to make the current monthly payment, the interest would still be charged, etc. They told me they can not do this. I was then told that they basically can not do anything-waive a monthly payment, reduce the interest rate on any of the substantial balance, or even waive the late fee. They offered nothing on a card we have had for many years. In addition, we have had USAA homeowners and auto insurance for over XXXX  years. You guys said, maybe we can waive the late fee AFTER it is charged and I spend another hour on the phone with " customer service '' Really? Predatory lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested on XX/XX/2023 evidence to support why they maintain incorrect information in my report and you have not provided it to me for that reason and as the law says Consumer reporting agencies must correct or eliminate inaccurate information, incomplete or not verifiable. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. For this reason, I request that the accounts described above be deleted based on the FCRA

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 2023-04-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We purchased the card from Macys in the amount of {$400.00}. Used it once for {$67.00}. There should have been a remaining balance of {$330.00}. Somehow balance was adjusted to {$0.00}. No other transactions were made and card was never lost. 

Submitted a claim to their gift card claims department XXXX  months ago and have recieved XXXX help or resolution even when represented by a store manager trying to assist. Everytime we call they say they we will recieve an answer within a certain timeline and never once have they followed through. 

We want the balance restored and all we get is a runaround. The card was intended to use for holiday shopping so not only did we give macys money up front for the card we then had to spend more out of pocket since that money is essentially frozen. There is no department within macys that holds the gift card department accountable either we have tried and nobody will help. This experience makes me never want to deal with Macy 's again and I will be certain to tell everyone I know about it.

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 monetary relief
Consumer complaint received 2023-04-07 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am writing to express my frustration and disappointment regarding the negative reporting on my business credit card account with Chase Bank. The account in question has been reported as past due on my personal credit report, causing my credit scores to drop by XXXX points. This has made me ineligible for a mortgage, which has significantly impacted my personal and professional life. 

To provide context, I first contacted Chase Bank in XX/XX/XXXX to explain that I was unable to make a payment on my business credit card account because our vendor had not paid us. I made it clear that we would make the payment as soon as we received the funds from the vendor. However, despite this communication, the account was reported as past due on my credit report. 

In XX/XX/XXXX, I spoke with a Chase Bank representative about making a payment when the vendor paid us. However, the representative did not explain the terms and conditions of the account, which stated that the account would be reported as past due on my personal credit report. If I had known this, I would have made a payment in XX/XX/XXXX to prevent the negative reporting. 

I understand that it is my responsibility to make timely payments on my accounts, but in this case, the negative reporting was due to circumstances beyond my control. I feel that the lack of communication and explanation from Chase Bank has unfairly impacted my personal credit report and has had a significant negative impact on my life. 

I request that Chase Bank remove the negative reporting from my personal credit report, and take any other necessary actions to correct the situation. I have attached a copy of my credit report, which shows the negative reporting on my personal credit report. I would appreciate it if you could investigate this matter and provide a prompt response. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone opened a account with my information they closed the account but still reporting on my credit report that I got 90 days missed payments

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 2023-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Three years ago I bought by FHA we gave 18 % of Dawn P.M. payment of {$240.00} I would like to eliminate that payment my house currently has another value because I did renovations I have contacted the Penny Mac company and they tell me no that I can not take it away unless I pay the house in full how can they help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
My escrow account is showing payments for a lot higher than my taxes that were not made and did not pay my taxes for XXXX or XXXX. I brought this to their attention and they paid them. I requested they fix my escrow account and refund me for fees related to late payments. They referred to them as supplemental taxes and said I was responsibe for the fees and penalties. I sent them forms from the Tax appraisors office and the county tax site showing they were the only taxes and the only payments received by the tax office for my property. I have turned it over to my brother in law to speak to them on my behalf but would still like to file a complaint as I have been dealing with this since XXXX. 

I am attaching their records as well as mine. If they made payments, it was not on my taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : XXXXXXXX XXXX XXXX. Which is not even connected to an open account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : EQUIFAX MORTAGE SOLUT. Which is not even connected to an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The below listed accounts are in violation of my federally protected rights and privacy under 15 USC 1681 XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) ( XXXX ) XXXX ( XXXX ) XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - XXXX XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX 5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 crime, which add a date to 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 calls to believe that the information is in accurate.

Company response to consumer: Closed with explanation