vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX I wrote a Goodwill Request for Removal for late payment reporting for XXXX. The account was closed by XXXX in XXXX. I remitted all balances due despite XXXX, XXXX, and a death of family membet I was told in XXXX it had been investigated, the late payment history reportingwould be removed within 2 business cycles. I called in XXXX and XXXX and informed it was being processed. It never occurred. 

In XX/XX/XXXX I received a denial letter from XXXX This is an absolute disgrace when I was assured verbally three tinws on a recorded line it woyld be completed due to Medical and Goidwill gesture. It is documented XXXX have extended this to others despite their form letter.

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 2023-02-10 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-10 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-10 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I received a credit inquiry om my XXXX file on XX/XX/2023 from Onemain Finacial Servives. This is a fraudulent loan attempt for bill consolidation in the amount of {$1000.00}. I did not request this loan and believe that someone has made an unauthorized attempt to obtain a loan utilizing my credentials. The contact email the requester submitted was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I previously had complaint number XXXX with you all. After the company provided a response you all closed the complaint. However, the company 's response did not address the issues and our escrow account continues to be handled inappropriately. 

They are not recognizing the fact that I have 3 insurance policies and they are not escrowing sufficient months funds.

Furthermore, despite repeated inquiries, they have failed to disclose how they handled the {$8000.00} I mailed them in XX/XX/2022 to be placed in my escrow account. 

My suspicions now are that dishonest actions have taken place or incompetency is at the root of this issue. 

I would greatly appreciate your opening of a new complaint and KEEPING IT OPEN until the matter is satisfactorily resolved. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: OH

Complaint narrative:
I filed a dispute in reference to an account from XXXXXXXX XXXX XXXX appearing on my credit in XX/XX/2022. Transunion has not removed the account even though it was dismissed by the court in XX/XX/2022. The case is 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 2023-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I purchased my house In XX/XX/XXXX for {$72000.00} and here almost 29 years later I still owe about XXXX XXXX. I filed bankruptcy in XXXX and at that time the mortgage company informed me that my late payments would be put at the end of my mortgage. I requested to have my mortgage put on my credit report to no avail. There is absolutely no way my remaining balance should still be this high. Citigroup mortgage loan trust owns my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Global Lending Services LLC
State: FL

Complaint narrative:
I reached to Global Lending Services about an Auto Loan that is reporting to the CRAs and asked them to provide validation that this debt is mine. Global Lending Services responded back with a copy of a car contract, a copy of the payment history, and according to federal law that does not fulfill a validation of debt. In order for Global Lending Services to provide a copy of the car contract, the contract has to not only be my signature but their signature as well. Which they don't have it. My debt validation is me telling Global Lending Services to provide all documentation they have on file, to provide how they investigated, and proof of that investigation. Global Lending Services are still reporting to the CRAs and I have sent in several CEASE and DESIST letters for the to stop all communication while they provide me Validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-02-10 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: NJ

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. 

Account name : XXXX, account # XXXX, opened XX/XX/XXXX Account name : XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX, account # XXXX, opened XX/XX/XXXX XXXX U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 for more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I requested a payoff quote on XX/XX/23. Mr. Cooper started sending advertisements regarding mortgage services and loans to my home address but not my payoff quote. I called on XX/XX/23 to inquire about my payoff quote and was told it was mailed to XXXX XXXX XXXX, XXXX, XXXX XXXX ( an old address not in use for over 8 years ). Mr. Cooper mails all of my mortgage statements to my home at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, yet did not mail the payoff quote to my address. I was told it would be a charge for an email quote, but it would be waived, they still did not email the payoff quote. I called again this morning and was told it was mailed to Indiana and I would have to pay for it to be emailed, they then hung up the phone and refuse to give me a payoff quote. This is holding up the sale of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: GA

Complaint narrative:
I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : DEPT OF EDUCATIONXXXX - XXXX... 
DEPT OF EDUCATIONXXXX - XXXX... 
DEPT OF EDUCATIONXXXX - XXXX... 
DEPT OF EDUCATION/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 

I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
l, the consumer and natural person, was denied credit by GOLDMAN SACHS BANK USA when I applied for an APPLECARD on XX/XX/2023. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 88 Stat. 1522 [ 15 usc 1691c ] and is pursuant to civil liability under 91 Stat. 881 [ 15 usc 1692k ]. I was discriminated against by GOLDMAN SACHS BANK USA due to the response I received. GOLDMAN SACHS BANK USA is in violation of 84 Stat. 1126 [ 15 usc 1642 ], 84 Stat. 1133 [ 15 usc1681m ] and 12 cfr 1002 because l, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of GOLDMAN SACHS BANK USA and is in violation of 84 Stat. 1126 [ 15 usc 1602 ( p ) ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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:
I received a credit inquiry om my Experian file on XX/XX/2023 from XXXX XXXX XXXX. This is a fraudulent loan attempt for bill consolidation in the amount of {$1000.00}. I did not request this loan and believe that someone has made an unauthorized attempt to obtain a loan utilizing my credentials. The contact email the requester submitted was 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 2023-02-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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:
Hello I just received my credit report back from Experian and XXXX XXXX regarding my personal information and it seems they were able to fix some things but missed a few things I would like to have cleared up, for I would like to have my credit report 100 % correct as per FCRA, for future financing. 

XXXX ) Experian has my wrong name still under section - " ALSO KNOWN AS '' : XXXX XXXX which is 100 % incorrect, I do not know who this person is and it needs to be deleted off my credit report please. My Correct Name is XXXX XXXX XXXX and should be the only name listed, I have no aliases. 

XXXX ) Experian has a wrong address which is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I looked it up on the property appraisers site and a " XXXX XXXX '' once lived there but I never have. Please remove this address. 

XXXX ) Experian has NOTHING under Employment, My Employment is : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX Still has many wrong names : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... ..ALL those names are wrong, my name is " XXXX XXXX XXXX XXXX and should be the only name listed, I have no aliases. 


My Correct Information that should only be showing is Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX SS : XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Thank You

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 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My mortgage company Truist, submitted an insufficient payment of city property taxes for the year of XXXX. The amount due was XXXX but only XXXX was paid for that year, on XX/XX/XXXX, for city property taxes. I noticed but was not concerned at the time and eventually it slipped my mind. This mishap in payment by the mortgage company resulted in penalties in interest, of XXXX, that the mortgage company have passed to me but they should be responsible for, as the escrow account I have is for the purpose of them paying the taxes. 

On XX/XX/XXXX I received a letter from the mortgage company informing me of the unpaid payment of taxes and that they are not responsible for supplemental tax payments, but the bill would be paid from my escrow to protect the property from a tax XXXX. I called them to understand what exactly this statement meant as this was not a supplemental tax bill but an insufficient tax payment that is the result of their partial payment. 

I received the tax bill for XXXX that listed the XXXX amount due in XXXX of XXXX and called my local tax collectors office to confirm the amount due was never amended for any reason and there was not a supplemental addition to the taxes. They confirmed the amount was never amended and that that was always the bill total it was just not fully paid by the mortgage company. 

I called the mortgage company to dispute them passing the penalties and interest to me and they are unwilling as they are saying the tax payment is supplemental without any proof. I have gone over all the bills with them verifying that it was not supplemental and they are unwilling to remove these charges from my account. I have no recourse in trying to pursued them to do what is right and take responsibility for the partial payment that was their mistake. I have presented all of the proof to them and they refuse. 

I have attached the Truist notice of unpaid tax bill - It is labelled as XXXX but it is from XXXX I have attached the XXXX tax bill from XXXX of XXXX- It is noted in the bill that there are taxes due for other years in the amount of XXXX. 
I have included the tax bill for XXXX - that shows the only partial payment of XXXX when XXXX was due. 
I have attached the notice from city of XXXX of the unpaid amount due from XXXX of XXXX including penalties and fees. 
I will also show the high level ledger of taxes and payment of those taxes from XXXX, which also shows the partial payment and history of payments since I acquired the home in 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 2023-02-10 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 that should be on the report is missing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive contacted Equifax numerous of times as well as sent certified docs to update my address so I can refinance with my bank. Most recent was today XX/XX/2023. The supervisor advises the same thing theyve been saying for over a month now! No documents has been received, please resend information Something needs to be done about this. Im considering contacting a Lawyer to get this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: SC

Complaint narrative:
I have collections on my consumer report that are against the law. As determined by Congress, the credit reporting agencies are all violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, 15 U.S. Code 1681 ( a ) ( 4 ).

Due the willful and knowingly violation of the law, my rights as been violated getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and closed end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.

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 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Orions Management Group, LLC
State: CO

Complaint narrative:
on XX/XX/2023, I received a phone call where The collector didnt not introduced them self as a collector in the beginning. The. Began to explain the details of a letter that I never review in the mail about collecting this debt. Asked for them to email me the letter. 
He was reluctant to do so because the letter was already dated and the letter was set to expire on the XXXX of XXXX. 

When he sent this notice on the phone had mentioned that if I didnt call them by Friday day morning they will report this to the credit bureau for further action. 

Minutes later called and left a voice mail and said I emailed out the letter you want to do your XXXX account you got till tomorrow morning to give me a call back to get this resolved XXXX if I don't hear from you XXXX XXXX I'll assume you're not gon na call me back and we'll proceed without your cooperation you got till tomorrow morning my office hours are on your email end quote. 

The issue is they know I had a short notice on this issue and the collector is not willing to give me until the XXXX. As the letter stated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation