vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX originated XXXX. There has been 7 years from the date of the first missed payments based on Tran Union investigation. XXXX XXXX loan XXXX ( 1 ) last payment received was XXXX XXXX XXXX XXXX ( 2 ) last payment received XX/XX/XXXX. XXXX XXXX loan XXXX ( 3 ) last payment was XX/XX/XXXXXXXX  r - Paid in full /was a charge off. Seven  years from the Date of the first missed payment for all three loans was XX/XX/XXXX. investigation shows payments were made, however this contradicts XXXX XXXX statement of XX/XX/XXXX. Request the XXXX XXXX loans be removed immediately from Trans Union/ XXXX/ credit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/XXXX. TransUnion/ XXXX stated the CRA accurate Patial acct # XXXX XXXX  shows : XXXX  XXXXXXXX  XXXX : OK XXXX ND XXXX ND XX/XX/XXXX 60 past due XX/XX/XXXX 90 past due XXXX- XXXX Charge off XXXX XXXX XXXX  Charge off Trans Union shows :XXXXXXXX  XXXX XXXX reports no data but says then shows delinquent/ inconsistent with what is report for same account to other CRA.

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 2023-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
As the current co-borrower of the loan, I have requested to assume all of the loan as the sole borrower. During the application process, on XX/XX/2023, I was asked by the loan specialist to provide personal details related to bank, VA information, sensitive personal information that would be used for a " credit check '' and to move the application process forward. Nowhere during the application process did the specialist inform me that I had to sign 10 e-sign documents that were specific to the loan servicing company. 

On XX/XX/XXXX, I received an email from the same specialist informing me that I needed to sign all disclosures to continue to next step of the process. During the review of the non-editable documents, I found over 10 discrepancies that either was related to the servicing fees, mortgage insurance fees ( to be prepaid ), VA loan details that were inaccurate and/ or redundant. Additionally, one of the documents asked for my consent to share my personal information with a buyer 's agent. All of these documents were not discussed prior to the e-sign portal. 

On XX/XX/XXXX, in the same email, the specialist informed me that another specialist would assist with the next part of the process. I emailed with a response and all discrepancies to the other specialist and asked to raise this concern with the manager. I called the manager on the XXXX, as well, and left a voicemail. 

On XX/XX/XXXX, I emailed for an update and didn't receive a response. On XX/XX/XXXX, I emailed again for an update and received a response that the new specialist would not be able to edit the existing application documents and that I would have to go through the application process, with additional processing fees and credit check fees. I asked that we find another solution and to please escalate to the manager, again. 

Overall, the entire process, which is stipulated by the Loan servicing compliance department, is that this assumable loan be completed within 60 days of original date of my divorce decree. Due to this time constraint, and the Colorado law, I must comply with the removal of the co-borrower on my original loan and assume the loan as a sole borrower. 
If requested, I can provide email correspondence, from my personal email 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 2023-09-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

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 2023-09-19 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments that have not been verified!! they are not accurate and according to the law FCRA 623 I was supposed to be notified of this information. And this information was not sent to me in writing. Before it was put on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments that have not been verified!! they are not accurate and according to the law FCRA 623 I was supposed to be notified of this information. And this information was not sent to me in writing. Before it was put 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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
XXXX XXXX XXXX I was charged over {$6000.00} for purchases I did not make. These charges were exponged by Barclays. They however continued charging my account for other items I did not make. They refuse to exponge these charges!

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 2023-09-19 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
I reviewed my XXXX via XXXX XXXX and noticed my score keeps going lower and found how to review negative remarks. I see Waypoint put XX/XX/XXXXXXXX  as I am late on a collection but I never received any debt notification. I called waypoint and they stated they mailed it to XXXX in XXXX. I stated I have lived in Georgia since XXXX. I disputed the late amount but the representative did not offer to resolve or was unwilling to remove any remarks stating I was late on this debt that I was never mailed about and have not received any information regarding the debt. 

I have audio proof I called XXXX today to get the number of this agency and then audio proof of speaking with the representative stating they mailed to XXXX, MN when I have lived in XXXX, GA at the same address for 4 years. On the entire audio call I stated to the representative I dispute the late mark and she didn't offer any resolution on this mistake. 

I am disputing this remark with all 3 credit unions as it is unfair practice to state this is a year old debt that has not been paid when I have never received an mail on this due to them sending to the wrong address. Therefore this is not late and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
The company contacted me via phone after I had complained about their repeated calls and they had told me they had removed my number from my account and flagged it as no contact. I previously made a complaint about this, and many other things. The company did not even address this in their response.

The company also had several employees lie to me and make bad faith suggestions on the phone and through their chat service. This was also not addressed in their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want the company to remove the fraudulent inquiries in 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 2023-09-19 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: DISCOVER BANK
State: WY

Complaint narrative:
XXXX XXXX there was a credit card they say I have that I never signed up for nor have a card on XX/XX/2023 I asked them to remove it and did a dispute with them and they are saying it accurate with that being said I asked them to prove to me that I was the one to open it and they can't I called them XXXX times and got hung up on I would like this off my XXXX and taken care of.. XXXX is a hard it I never did as well as XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: OneMain Finance Corporation
State: WY

Complaint narrative:
XXXX XXXX there was a credit card they say I have that I never signed up for nor have a card on XX/XX/2023 I asked them to remove it and did a dispute with them and they are saying it accurate with that being said I asked them to prove to me that I was the one to open it and they can't I called them three times and got hung up on I would like this off my cred8t and taken care of.. XXXX is a hard it I never did as well as Main one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
On XX/XX/XXXX, I paid off the balance of my leased XXXX XXXX XXXX with Honda Financial Services after confirming the amount that was owed with a lease end specialist at HFS. The check was posted and my online account view shows a {$0.00} balance on the account. To date, I have not received release of the title.

HFS states in the lease end FAQs that title will be released in 2-3 weeks. I have HFS called 3 times after one month 's time asking about the release of my title. First call, I was informed the title was released on XX/XX/XXXX and I should wait 4-6 weeks to receive it. I called XXXX XXXX and was told I would have it expedited and receive a tracking number by Friday, XXXX. I called on XX/XX/XXXX and was told my case was open but they had not resolved the case yet. I was assured it had been expedited. But could receive no information about any problem with the title/lease end, the whereabouts of the title or when it would be released when I directly asked. I was advised twice that HFS was having " trouble '' in their title department. 

The same day I looked up requirements in PA for title release and it is supposed to happen within days. I reported the situation to XXXX and received an e-mail that told me that HFS still had the title. They suggested I advise them to file a XXXX for a duplicate title if it was lost?????? 

I am requesting your help in getting my title released from Honda Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My medical insurance paid for the XXXX  hospital visit and care The hospital violated the law by selling my personal information and disclosing my social security numbers without my permission or acknowledgment

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 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have never received any written communication from Nelnet as requested and was told Id receive. Ive tried calling, but never can get through it the call gets dropped. There website is always down and constantly has incorrect/different information. I do not feel comfortable with adding my bank account information on their site due to all the issues Ive experienced and read from others. 

Without any written communications I have no way of trusting what is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: MI

Complaint narrative:
I took out my initial Personify loan in XXXX as a fresh college grad naive to lending. Over the years personify continually offered me refinancing with a noticeably lower APR which came off as a positive thing. I now know this is common among predatory lenders. 

As of XXXX Im on my 4th refinanced load. I last refinanced in XXXX and spent a whole year paying and little to no of my payments went towards my principal, all went to interest. Another common act of a predatory lender. 

As of now I have been struggling with my payments due to a change of paydays on my new job. Personify recommend that I let my account go 30 days past due so I can negotiate a lower monthly rate that lines up with my pay schedule. This was an out right lie. I let my account go 30 days past due at their recommend and now they tell me theres nothing they can do unless I want to take a payoff agreement which requires me paying over {$2000.00} in lump sum which I do not have or I would not be in the predicament.

Personify provided me with advice that put me in a worse situation that if I wouldve just continued with things the way they were. Theyre practicing predatory lending and do not help people with a way out. They are distorting my XXXX credit score with their bad advice and now I cant afford to buy myself out of the situation they put me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: CT

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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