vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I entered into a written settlement agreement with XXXX and satisfied the terms of the settlement agreement. The settlement agreement ( copy attached along with other correspondence ) clearly specifies that XXXX " shall notify the credit reporting agencies that it reports to that Borrower 's account has been settled in full ''. 

XXXX is instead reporting my account as " settled for less than the full balance '' which is considered a derogatory account on my credit. 

I have exchanged numerous emails with XXXX XXXX  XXXX is now claiming when a settlement is completed, there is only one credit reporting update that is sent to the credit bureaus which states the loan has been settled. The credit bureaus display this reporting as settled less than the full balance. 

This not what is stated in the written settlement agreement. If this was the case then XXXX should have disclosed the following language in the settlement agreement : " You confirm your understanding that the XXXXredit reporting agency will reflect your account as " settled for less than the full balance ''.

This significantly impacted my credit score and has delayed me refinancing my home and rates have increase by 1.5 % since this was reported in XXXX. 

This needs to be brought to light as there are likely hundreds of folks like me who have been misled.

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 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JMAC LENDING INCORPORATED
State: CA

Complaint narrative:
I received notification that my Mortgage payment would increase because of taxes and speculated insurance premiums. I was given the amount of {$180.00} to pay to escrow to keep my payment the same. The additional escrow payment was received by JMAC Lending on XXXX My payment did not return to the previous monthly installment. I called on XX/XX/16 to find out why and I was told that they projected that my insurance will increase so they could not return my monthly payment to the previous amount. They calculated the XXXX I sent the XXXX in good faith and fair dealing to keep my monthly mortgage payment at the lower amount. They neglected their responsibility to return my payment to the lower amount and did not have a decent explanation of why they quoted an amount and I sent the amount but they still did not lower the payment. 
XXXX XXXX XXXX  : The lender does not provide you with accurate or complete account statements for escrow. That makes it almost impossible for you to determine how much you have paid or how much you owe. You may pay more than you owe. 
Over-collecting through accounts designed for taxes and insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I have a loan with Mariner Finance. I am a bit behind on payments. When they call about payments, I have told them I can make a payment by the end of the month. They then harass me asking, " well, what day, I need to know what exact date, and how you will be making a payment ''. My husband has a loan with them as well, previous manager, with a late payment of a % of the principal or payment due not totally sure as it's his loan but mine is {$20.00} everytime, I feel this is exceedingly high for being a repeat customer. They also can not keep their records straight. I can not find anything online in my accounts with them about my loan, only a picture of the check. Just recently, I authorized a payment for {$230.00} on XX/XX/XXXX. They only took {$100.00} from my bank account. When I called to see what happened, I was told, " we have a recording of you authorizing a payment on the amount of {$100.00}. I admit, that set me off, what recording are they making of me, so I cussed at the agent. She overheard my husband say we would be calling the Virginia GeneraXXXX Attorney. All of a sudden they try calling me back and left a voicemail saying they actually did have a recording of me authorizing the {$230.00} payment and if I could call them back to authorize a payment of the difference. I have not called them back yet as I wanted to talk to officials. I feel that, several times, common business ethnics, were not acted out and instead made me out to be a villian, acting like basically loan sharks, over an overdue payment. Granted it's not the first one, but we paid the last one with all added fees and made arrangements to do so again and it's been awhile since I've been in the job market with COVID-19 and everything that happens afterwards, but this does not make me feel right, as a customer, to be constantly harassed about late payments when I know I am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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:
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. Delete account immediately! 

XXXX XXXX Account XXXX Opened XXXX Reporting 60 Days Late ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX Account XXXX Opened XXXX Status : Paid, was a repossession ( XXXX XXXX Current ) XXXX XXXX  Account XXXX Opened XXXX Status : Paid, was past due 30 days two or three times ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX 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 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 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are XXXX XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

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 2022-05-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
According to the Fair Act Credit Equifax is violating my rights. I, XXXX XXXX, sent Equifax a letter on XX/XX/XXXX, disputing the validity of the bankruptcy they are reporting on my credit report. They responded that they verified this information through XXXX. I went directly to XXXX to dispute the item in question and XXXX  could not verify this item so they deleted it from there database. I then went back to Equifax on XX/XX/XXXX, and showed them the the deleted bankruptcy from XXXX XXXX informing them that it they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. I than filed a complaint through the CFPB on XX/XX/XXXX and was not given any information on why they close my case. This item needs to be deleted from my credit report if it can not be verified within 30 days. On XX/XX/XXXX they send me letter page 3 of 6 ; saying it was verified through XXXX and I resent the letter showing that they could not verify. Please review paperwork attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUN LOAN COMPANY INC.
State: NM

Complaint narrative:
I had a loans with Sun Loans in XXXX NM and only authorized them to pull my credit report once when I applied for my loan. Today I reviewed notification they pulled my credit report without my express approval as I did not apply for a loan today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: PA

Complaint narrative:
Loan # XXXX - Gregory Funding, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX - they also have an address of XXXX XXXX XXXX, XXXX, XXXX XXXX My real estate taxes are escrow-ed and are due on XX/XX/XXXX of each year. According to the XXXX XXXX XXXX XXXX in the XXXX XXXX  XXXX my real estate taxes have not been paid and are accumulating interest. I have tried since XX/XX/XXXX to get thru to their customer service line and can not get thru, they keep giving a ridiculous number of people ahead of me. Today when I called again I was number XXXX in line to speak to an agent. I have written to them, faxed them, uploaded a letter to my account and have received no response. If they have paid my taxes they need to address this with the XXXX XXXX XXXXXXXX. If they have not paid them, they need to be paid immediately and include the interest payment which brings my tax balance, as of today, to {$2400.00} and growing. I believe that interest is assessed monthly. I have never before had a problem getting thru to this company and am concerned. I would appreciate your assistance in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've send numerus letters to each credit burial and they keep telling me the same things over and over again. I've asked for my credit report and for them to change my address and name, there still reporting incorrect information. I've also sent them letters on unauthorize inquires that have been made to my credit. I'm really having a difficult time on obtaining credit. I'm in need of a vehicle and now I cant get one due to many incorrect inquires that have been made on my credit reports.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I've send numerus letters to each credit burial and they keep telling me the same things over and over again. I've asked for my credit report and for them to change my address and name, there still reporting incorrect information. I've also sent them letters on unauthorize inquires that have been made to my credit. I'm really having a difficult time on obtaining credit. I'm in need of a vehicle and now I cant get one due to many incorrect inquires that have been made on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: NC

Complaint narrative:
I received a call in XXXX from a company saying they were contacting me to collect on a loan for a bank overseas located in the XXXX. I have not heard from this bank in over XXXX XXXX and they need to contact me so I can see what the issue was. I explained that when I left XXXX XXXX ago, my company said they would settle my debt with my remaining pay check. The gentleman then started to get rude and stated that if I did not pay him he would ensure that he would watch my credit and if I applied for any loans he would ensure he would report this and make it difficult for me to get the loans. Again, this was a loan from over XXXX XXXX ago and I have not heard from the original creditor since I left the country. 

Again, over the last XXXX they let the interest build up before contacting me. The collection agency is Cedar Business Services and the original loan was through XXXX XXXX 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 2022-05-16 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: CA

Complaint narrative:
For several months I fought Experian because they REFUSED to block information on my credit report that was the result of identity theft. I repeatedly provided them with copies of all the documentation that requested to block the information, but instead they kept opening disputes instead, in direct violation of section 605b of the FCRA. Finally after months of frustration someone finally assisted in the blocking of the account of concern. Then this morning, several months after the account was blocked, I got a notification from Experian regarding a dispute they claim I initiated today ( XX/XX/XXXX ) for this account. They then finalized the dispute in less than an hour and placed the account back on my credit report. The account in question is a XXXX XXXX account with account number XXXX and was opened in XX/XX/2014. This is not the only account or piece of information that had to be blocked as a result of identity theft, but its the only one they blatantly refuse to comply with the FCRA and handle in a lawful manner.

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 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act public record XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX Are all Fraud accounts and Public Record. 
15 U.S.C 1681 section 605B states the of information resulting from Identity Theft. I was XXXX XXXX XXXX when these Fraud accounts and public record was Incorrectly and Fraudulently was placed on my credit report. These items has hurt my credit integrity and has stopped me from receiving jobs, apartments, and the chance buy a car. These Fraud items needs to be REMOVED and DELETED from my credit report to show accurate and true information on my credit reprt.

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 2022-05-16 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:
In accordance with the fair credit reporting act public record XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REF # XXXXXXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX  XXXX Acct # XXXX Are all Fraud accounts and Public Record. 
15 U.S.C 1681 section 605B states the of information resulting from Identity Theft. I was XXXX XXXX XXXX when these Fraud accounts and public record was Incorrectly and Fraudulently was placed on my credit report. These items has hurt my credit integrity and has stopped me from receiving jobs, apartments, and the chance buy a car. These Fraud items needs to be REMOVED and DELETED from my credit report to show accurate and true information on my credit reprt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
My lease is almost over and I am purchasing my vehicle with financing from a credit union. Honda Financial Services has been impossible to reach to help with this necessary documentation. I have called XXXX times over the past week and been hung up on. I have spent over 4 hours on hold. There is no option to reach this company via email, chat, or message. This is delaying my loan processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: NJ

Complaint narrative:
Experian is breaking federal laws but reporting things that shouldn't be reported on my consumer 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 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital Systems XXXX {$130.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} Balance {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} Balance {$300.00} Credit Limit I've Called all 3. XXXX XXXX XXXX XXXX, Jefferson Capital Systems LLC and XXXX. They all are going after the same debt from the Original Creditor which is XXXX XXXX.So I choose a payment plan through Jefferson Capital and paid it off.See attachment below.

Company response to consumer: Closed with explanation