vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Early in XXXX I spoke with Flagstar Bank about they not escrowing our account for the homeowner 's insurance. Flagstar agreed to do it .Paperwork was sent over and I signed it and sent it back via email. 
At this time, I informed them that I was going to pay for the homeowner 's policy myself and advise them not to pay any premium. I made the payment directly to the insurance company and everything was set. 
Today I find out that Flagstar took it upon themselves to pay the insurance company {$3700.00} usd.They didn't follow with my request!! Now I am out of {$3700.00} usd and Flagstar wants me to wait around until they resolve the issue. Well, I do not want to wait, and I want the money back into the escrow account.

This is bank fraud! The escrow isn't theirs to disperse as they see fit to do so.

My problem is that Flagstar stole this money by paying for a policy that's already been paid. Not only that they even paid the insurance 4 days late. Its a good thing that I paid it otherwise my policy would have been lapse!! 
I spoke to them today XX/XX/year> and they do not care to rectify their mistake.All I received were excuses why they made the error and wants ME to wait around until they internally investigate the mistake. 
I am sorry this is not acceptable. I did everything they asked to me do and they failed to do what they were supposed to. 
They have committed bank fraud, and they do not care. I want my money back!! I shouldn't have to wait until they finished their process.I spend an hour plus on the phone with them today and all they did was come out with excuses and not solutions. 

Please help I need the money back!! 
Thanks 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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have identified unauthorized inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have identified unauthorized inquiries on 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 2024-07-31 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: TX

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear XXXX XXXX, I hope this message finds you well. 

I am writing to bring to your attention a matter concerning my Capital One accounts and to seek your assistance in resolving it. Over the past few days, I have been in contact with your customer service representatives regarding the 6-7 credit cards I hold with Capital One. I have been a loyal client since XXXX with a consistent payment history. 

Recently, while discussing my finances with my finance manager in preparation for purchasing a family vehicle, I discovered that 5-6 of my active Capital One Credit Card accounts were marked as late for XXXX and XXXX of this year XXXX. Additionally, an account from XXXX that was closed during the pandemic and subsequently charged off was also reported as late, despite being settled with your team and assured that it would be removed from my credit report. 

The primary issue seems to stem from a possible miscommunication or delivery issue with my statements. I recently moved from XXXX, MA, to XXXX XXXX XXXX, XXXX, MA, and I have not received statements for several months. Additionally, I encountered issues with my XXXX XXXX  account due to fraudulent transactions, which led me to transfer my accounts to XXXX. 

I have always taken great pride in paying my bills promptly, and this situation is causing significant XXXX. I believe the late payments might be a result of not receiving my statements and other related banking issues, including a recent medical emergency. 

I have already addressed the overdue payments with your customer service team. Given my longstanding positive relationship with Capital One, I kindly request that you review this matter and consider removing the late payment marks from my credit report. Additionally, I would appreciate it if any late fees assessed could be refunded. 

I value the positive experience I have had with Capital One and hope to continue this trend. I would be grateful for your assistance in rectifying this situation and ensuring my credit report accurately reflects my creditworthiness. 

Thank you for your attention to this matter. I look forward to your favorable response. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: CT

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNT : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
The company is Affirm. I have a new phone number and they're calling for a woman by the name of XXXX who previously had the number. I've spoken to several people who say they'll remove my number from their list but they continue to call. They will call 5-6 times a day and back to back at the same time repeatedly. I've even threatened to take legal action and contact you all but they still continue to call. I work third shift and their calls wake me up and I can't turn my ringer off because I have sons who may have an emergency and need to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX, ACCOUNT NAME : XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX IN COMPANY ), 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
I received a loan offer by text from Emoney USA on XX/XX/year> after searching for online payday loans and filling out a form with my personal information. After responding to this they texted me to verify my personal information including my mailing address, place of employment, my checking account number which they already had on file and I confirmed it was correct. I also gave them my debit card number. I also was transparent with them about my overdrawn bank account and financial issues. They offered me a loan of {$600.00} without a credit check. They warned me to make sure I had funds in my account for my scheduled payment on XX/XX/XXXX otherwise I would be reported to a collections agency. I was desperate so I agreed to this. They deposited {$600.00} to my account the next day, no problem. I should also add that when I looked into this deposit to my bank account that it was listed as foreign currency. Anyway, I made sure to have enough money on my scheduled payment day to make sure there wouldnt be any issues as I was so grateful to have gotten this loan which really helped me to get out of a financial bind. They never withdrew money from my account and there was no indication of an attempted charge. Then, on XX/XX/XXXX I received a notice that my payment was returned because they were unable to locate my bank account number and that I would be moved to collections if I didnt update my information within 24 hours. Their website is set up so that I cant even log in. I expressed my confusion as to how they were able to deposit funds to my checking account, which I will say again WAS the correct number, and they attempted to argue that it was deposited to my debit card not my checking account which is total XXXX. and also, again it was the right information. They continually attempt to gaslight me about this and they are currently threatening to move me to collections this Friday XX/XX/XXXX. I told them that I am not sending out any more information over text, I sent them all of my personal information and now I am terrified that I have fallen prey to a scam. These people need to be put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union sent a letter stating that they wanted access to my accounts, in case I fell behind, so that they could pay on my credit card account. They gave the option to reject this authorization, but if I was 60 days past due I could not. It stated that new transaction would not be authorized. 
I had no balance on the card and I was in good standing, and had always been, with Vystar Credit Union. I choose to revoke the authorization, in XX/XX/year>. In XXXX, I got a notice that my credit score had gone down and it showed that the account was closed. When I to a branch, I was told that the account was cloosed immediately. I was not notified that the account was closed nor that it would negatively impact my credit score. 
In XXXX and XXXX, I received an email stating that visa alerts would no longer be available for this same card. " Thank you for using Visa Purchase Alerts. Your financial institution now offers their own transaction alerts service, and your Visa card ending in XXXX is no longer eligible for Visa Purchase Alerts. Please contact your financial institution to enroll in their transaction alerts service. '' If they cancelled the card, why am I getting these emails? 
This was not handled properly and they made no effort to fix it. I should have been properly advised, in fact the account should not have been closed.

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 2024-07-31 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: TX

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

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 2024-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
lockhart morris & montgo for XXXX XXXX XX/XX/year> i tried several times to reach out and settle never got and answer or response i really need this remove from my report on XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: AL

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 under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-07-31 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: TX

Complaint narrative:
THESE ARE NOT MINE, I DID NOT BENEFIT FROM ANY OF THESE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: CA

Complaint narrative:
last month i found out that my ex roomate XXXX XXXX stole my identity and used it to open up fraudulent credit accounts. i need help gettoing these fraudulent accounts removed from 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 2024-07-31 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: OH

Complaint narrative:
I am a victim of identity theft I have inaccurate fraudulent accounts reporting on 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 non-monetary relief
Consumer complaint received 2024-07-31 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: AL

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 under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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