vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Freedom Mortgage has repeatedly failed to fulfill their responsibilities in managing my escrow account and paying my flood insurance policy. For XXXX consecutive years ( XXXX, XXXX, and XXXX ), they neglected to pay my flood insurance with XXXX XXXX, leading to near-cancellations of my coverage in XXXX and XXXX. Despite my proactive attempts in XXXX, including multiple phone calls and a three-way conversation with XXXX XXXX and Freedom Mortgage XXXX XXXX XX/XX/XXXX and early in XXXX, Freedom Mortgage still failed to make the payment by the policys XX/XX/XXXX deadline. 

During a XXXX three-way call with XXXX XXXX , I provided Freedom Mortgage with all necessary policy information and received assurance that they would process the payment immediately. I was informed that my involvement was no longer needed. However, on XX/XX/XXXX, I received a cancellation notice from XXXX XXXX, stating the payment had not been made. Upon follow-up, XXXX XXXX XXXX XXXX they attempted to contact Freedom Mortgage multiple times, yet received no response or payment until after my policy had lapsed. 

Freedom Mortgage finally sent the paymentthe check was disbursed from my account XX/XX/XXXX but was not received by XXXX XXXX  until the XXXX of XXXX. XXXX month and XXXX day after the policy due date, leading XXXX XXXX to reject the reinstatement. Freedom Mortgages response was both dismissive and unhelpful. They placed the responsibility on me, stating it was my duty to ensure they fulfilled their obligation to pay the escrowed insurance, despite my extensive efforts to facilitate the payment. 

This failure has left my home uninsured during a period with multiple named storms in the XXXX XXXX, prevented me from securing replacement insurance at a reasonable cost, and forced lender provided insurance on my account in the amount of {$1000.00}. I just received my new quote from XXXX XXXX, and this has increased my flood insurance costs dramaticallyfrom {$620.00} to {$3800.00} annually. In addition, I now face an escrow shortage exceeding {$3000.00} due to Freedom Mortgages negligence, and an unsellable home that I cant afford, let alone a potential buyer who can in the future. 

Freedom Mortgage has a history of mismanaging my escrow account. In XXXX, I had to cover an almost {$3000.00} escrow shortage, impacting my ability to provide holiday gifts for my children. This pattern of errors, disregard for accountability, and additional financial stress has made managing my mortgage with Freedom Mortgage excruciatingly difficult and has impacted my familys financial and emotional well-being. XXXX XXXX, my children dont know it yet, but XXXX cant make their XXXX lists come true this year. Thank you Freedom Mortgage.

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 2024-11-15 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: SC

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 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 XXXX XXXXXX/XX/XXXX Experian ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requir
es that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain 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 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report XXXX information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

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 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report XXXX information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX  XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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:
The person who retrieve these car loans was my ex husband who the judge have given me a final judgement to have these loans removed from my name.

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 2024-11-15 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: GA

Complaint narrative:
The person who retrieve these car loans was my ex husband who the judge have given me a final judgement to have these loans removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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:
The person who retrieve these car loans was my ex husband who the judge have given me a final judgement to have these loans removed from my name.

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 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: IN

Complaint narrative:
I recently reviewed my credit report and seen that you say I have an account that is listed as a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report because it is considered income and only debt can be reporting on my credit report. MG Credit XXXX is trying to collect or having a charged off status. 
I demanded MG Credit XXXX remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. MG Credit XXXX violated the FCRA 15 USC 1681e ( b ) they are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 

MG Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Thaxton Investment Corporation
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CEPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Driveway Finance Corporation
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CEPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST XX/XX/2024 2nd attempt letter XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Acct # XXXX Dear Sir/Ma'am I recently received a copy of my credit report. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter XXXX XXXX Cc : CFPD, FTC

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 2024-11-15 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: CA

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 XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize any goods or services from these companies. These accounts are fraudulent and do not belong to me, and should completely be removed from all three credit bureaus.

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 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage originated without an impound account and I have made several attempts to get my mortgage servicer to remove my impound account for property taxes. Their customer service representatives are telling me my only option is to refinance my mortgage in order to remove the lender placed impound account and lose my low rate. Refinancing my mortgage into a higher rate makes no financial sense as my mortgage payment will increase significantly.

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, my Wells Fargo debit card gave me an alert saying I was charged with an unauthorized purchase that I didn't make. When I checked my account, someone purchased an amount of {$51.00} and {$80.00} on XXXX and {$150.00} on XXXX in my account which I didn't authorize. I called immediately Wells Fargo and filed a dispute. I was told I would get a call from them concerning those purchases. I waited about 13 days and they gave me a provision credit because I needed the money. I waited but did not get a call so I called them and they told me it was still ongoing. I called again a few days ago on XX/XX/year>, and they said to me that the case was closed and did not see it as an unauthorized purchase and that I made those purchases. I did not make those purchases and requested evidence or findings as to why they made that conclusion. My provision credit was taken away and my account now has a negative balance. I asked for their manager but said they were not around.

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 2024-11-15 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: MD

Complaint narrative:
I did not authorize these companies to pull my credit and would like them to be removed from my credit file 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
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not authorize these companies to pull my credit and would like them to be removed from my credit file immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete these fraudulent items in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX  XXXX & XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, I didn't not have these accounts nor applied for them. My dad has the same name XXXX XXXX which is on the application. Our information gets crossed over at times. Also I have a GA address not CA.

Company response to consumer: Closed with explanation