vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
For the past two months, I have tried to reach out to your company regarding these items that I want removed/deleted off my report and so far, nothing is being done. I am filled with so much stress in life already and these inaccuracies are adding up to that- worsening my 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 explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal complaint for a reinvestigation of the following late payment on the Account ( -XXXX XXXX  is reporting inaccurate information.On XX/XX/2022 a payment was made and you have it marked as late / No payment.On XX/XX/2022 and XX/XX/2022 the final additional payment was made before closing that was also not reported.please reinvestigate and verify all data.I also request for proof to be provided. Because im trying to purchase a home and the late inaccurate delinquency is Only being displayed on my experian when cross checked on three bureas ..I determine that if unable to do so or lacking proof being late please update my payment history to PAANL Status ( paid as agreed never late ) and supply a corrected credit file to any creditors that obtained my file in the last 6 months. I've been a loyal customer and your inaccuracy is hurting my credit

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 2024-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I first contacted SANTANDER CONSUMER USA on XX/XX/XXXX regarding the insurance check I received from my insurance company, XXXX XXXX. The check is intended to repair my vehicle, which sustained hail damage during a recent storm in Colorado. 

Per their instructions, I mailed the check to the provided address, which I confirmed online, on XX/XX/XXXX. Upon calling them on XX/XX/XXXX, they confirmed receipt of the check. I requested Santander to endorse and return the check to me ; however, they informed me of a policy requiring checks over {$5000.00} to be sent directly to the repair shop. The representative advised me to email them at XXXX with my car 's VIN as the subject and include the repair shop details. I complied with these instructions, noted down during the call, and emailed them on XX/XX/XXXX, copying the repair shop and requesting the repair shop to provide Santander with any further needed information ; I also provided my phone number for direct contact. 

Despite this, they neither sent the check nor contacted me or the repair shop until I reached out on XX/XX/XXXX and XXXX. After an hour on hold, they claimed the check was not visible in their system. I insisted it was received, as confirmed by other representatives. Following another 30-minute hold, they acknowledged possession of the check but required verbal confirmation from the repair shop. I contacted the repair shop, and they called and confirmed the repair on my car, and it is ready for pick up. 

Even after the repair shop confirmed, Santander failed to send the check, requiring additional follow-up. Despite numerous calls from the repair shop and enduring hour-long waits, Santander continued to claim they were waiting for information from the repair shop, showing a lack of transparency. Additionally, I sent around 5-6 emails to Santander informing them that I had reached the maximum coverage from my insurance company for my rental and that I am now paying for the rental out of my own pocket. 
At this point, I'm uncertain about how to proceed to secure their endorsement on the check. Since Thursday, I've been covering the rental car expenses myself. The process they've outlined is ambiguous, we've submitted everything they require, yet their communication is non-existent. Continuously calling and waiting is not feasible for me. Just today, I missed a crucial meeting to stay on the line, and after an hour and twenty minutes, they picked up only to disconnect abruptly. When I called back and endured another hour 's wait, I requested to speak with their manager ( ID : XXXX ) and implored her to expedite the matter, as I need rental coverage while they sort out their procedures that began on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
I bought my prepaid visa card on XXXX, And I tried buying stuff on XXXX and XXXX and It wouldnt accept, I put XXXX on the XXXX XXXX I need help, It wont even let me see my card info in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Number : XXXX XX/XX/XXXX Shellpoint Mortgage Servicing XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Dispute of Charge and Request for Refund I am writing to you as the borrower of loan number XXXX to formally dispute an improper charge and request a refund. 
On XX/XX/XXXX, your company imposed a charge of {$440.00} described as " Lawyer Fees Charge. '' This expense was paid by me on XX/XX/XXXX. However, I have no record that this charge is valid or was requested by me according to the terms and conditions of my contract. 
Since the payment was made, I have requested clarification regarding this charge, and to date, I have not received a satisfactory response. The only information I have received is that the matter is under investigation. This delay of over four months without a concrete resolution is unacceptable and does not comply with regulations set by the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX, which govern mortgage servicing and borrower rights. 
Additionally, I am providing proof of the charge, which indicates that it was imposed by your company as " Lawyer Cost Assets '' in an account analysis dated XX/XX/XXXX. This charge of {$440.00} was improperly assessed and included in my account. 
According to applicable law, charges imposed on a borrower must be clearly specified and authorized in the loan contract. In this case, there is no mention in my contract indicating that I am responsible for attorney fees or any similar expenses incurred by your company for managing the loan or the associated property. 
Therefore, I request : 1. Immediate refund of {$440.00} that was improperly charged to my account.

2. A detailed explanation of the nature of this charge and the legal basis for its imposition.

I will be compelled to file a formal complaint with the CFPB and other relevant regulatory authorities. 
Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution. 
Sincerely, XXXX 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 2024-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
XX/XX/XXXX by me paid into my escrow account XXXX to fill escrow shortage and stop house payment from increasing. Paid all house payments of XXXX regularly without no late payments. This included taxes and insurance. Now after Plant Home Lending did a " escrow analysist '' Plant Home says I will be short XXXX in escrow and with the storage and higher something either taxes or insurance after 13 months of payments being XXXX the shortage will be paid and my new payment will be XXXX. My taxes have not increased they are like XXXX a year my insurance went down to XXXX a year. And all that is paid through escrow that Plant Home is paying and charging me three times for.

I called Plant Home and talked to a rep to find out how I was short, she transferred me to my home insurance company of XXXX. All is good with XXXX I have one policy paid in full good till XX/XX/XXXX. I called Planet Home again to ask where they get the info from again was transferred to XXXX. Plant Home will not answer my questions of how I became " short '' in my escrow account nor will they answer where the amounts Plant Home pays comes from. When looking at account on line nothing but my payments are visible not who escrow is paying or how much money is being paid to who. Charging me for escrow accounts or bills that are not mine out of my escrow has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am filing a complaint against Onemain financial for violating the Fair Debt Collection Practices. One main financial has not provided validation information as required by law ( 12 CFR 1006.34 ( b ) ( 5 ) ) but has placed a collection on my credit report.

* I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

One main financial is using false, misleading, or deceptive means to collect the debt.

One main financial furnished the account to a consumer reporting agency without providing the required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
I request that the CFPB investigate these allegations and take appropriate action against Onemain financial. I want this collection deleted from my consumer report due to all the violations. 
- [ ] By submitting this complaint I authorize the CFPB to contact me for more information or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
On XX/XX/17, an inquiry from XXXX XXXX XXXX hit my credit report. I do not recognize this, as I did not attempt to open a new credit card. I immediately attempted to call XXXX, however, for my surprise, my SSN was never recognized by the bots, and therefore, I could never get to a human being to help me with my issue. Note : I am a XXXX customer, I do have one of their credit cards that I've had for over a year now. I tried several different phone numbers to solve the fraudulent inquiry issue ( yes, including the number on the back of my card, obviously ), and none of them worked. By trying to use my account number, they would always give me a different phone number I should call, and the story would repeat itself. Through the chat, in the app, they would tell me to call whatever new number they come up with. 

In other words : If I had an issue with my own card, even something unrelated to the Fraud, I would still be left stranded since apparently, there are no accounts associated with my SSN. I wonder how did they let me open my account in the first palace, and give me a limit of over {$30.00}? 

A few weeks back, I also identified some fraudulent transactions on my credit card, and I was able to dispute them through the app. For my surprise, after I tried reaching out to SEVERAL different people within XXXX through email, XXXX and other tools to see if anyone could at least give me an email address I could contact, I started receiving calls from XXXX. Initially, I was positively surprised as I thought those were for my Fraud alert. but I was wrong. 

they called me to once again, ask me for all the information about the disputed transactions that I HAD ALREADY PROVIDED THEM WITH. I provided them with all the information once again, and asked for help with my credit report fraud issue. I was bounced around to many different teams, one of them said that they had added my SSN to my current card, the other one said he was able to identify the fraudulent application, but still had to transfer me to the applications department. At the applications department, we're back to square 0 : she couldn't find any accounts or applications under my SSN. 

I don't know what else to do, who else to contact. If the VPs of Customer Support in XXXX does not care about one of their customers having their identity stolen and a criminal using that information to open accounts and compromising the financial life of others, I don't know what else to expect from them. This is truly sad and embarrassing, and I'm afraid what will happen to my credit and financial life as it looks like someone is using my information unauthorized.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXXXXXX XXXX Did not send any paperwork to my address nor was I aware of this charge off, XXXX XXXX did not contact me nor Experian to validate the charged off debt Im accused of and offered no solution before ruining my credit Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXXXXXX XXXX XXXXXXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 
Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct

Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me. 
Validate this false charge off it does not belong to me. 
Verify This invalidated account. 
inaccurate/invalidated account Prove it.

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I demand that any XXXX XXXX XXXX accounts be blocked from my report due to identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2. 

XXXX XXXX, who provides cybersecurity services to the lender XXXX XXXX XXXX, released my identifying information to another person without my 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
Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
I am victim of online identity theft. Someone used photos of my social and ID to open accounts on my credit.

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 2024-09-03 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: GA

Complaint narrative:
I am victim of online identity theft. Someone used photos of my social and ID to open accounts on my credit.

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 2024-09-03 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: TX

Complaint narrative:
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 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 2024-09-03 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:
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 non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These late payments don't align with my usual pattern of paying on time, so I need you to update my accounts and make the necessary corrections right away.

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 2024-09-03 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SS # XXXX ADDRESS XXXX XXXX XXXX XXXX CA XXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent INQUIRIES XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date 15 USC 1681i 15 USC 1679c

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 2024-09-03 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: The CBE Group, Inc.
State: FL

Complaint narrative:
CFPB ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX, XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I have no signed payment agreement with this company. Please stop collection efforts and remove from my credit report immediately. Show me a contract or remove report

Company response to consumer: Closed with non-monetary relief