vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robert Morgan Group Inc
State: FL

Complaint narrative:
On XX/XX/2023, Robert Morgan Group illegally charged my debit card without receiving my authorization to do so. 

On XXXX, Robert Morgan Group illegally charged my debit card without receiving my authorization to do so and violated the payment arrangement that was signed by both parties. Payments are to be authorized by myself and the payment date is the XXXX of each month. 

As stated in the pictures I have attached, both unauthorized payments were made at XXXX. No calls were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was made aware that my account with XXXX was 251 days past due. I contacted updated via phone and email, this was the response : We apologize for the confusion. Our records show one of our team members in the back office had just made a note on the account because it showed up on a report. They Corrected the issue and now the account is showing 6 days past due. 

On XX/XX/XXXX, an alert from the credit bureau stated that my credit report shows me being 293 days past due for the same company. After calling them several times and talking to multiple people over the phone and via email, they have stated to me that this resulted from failure of paying late fees. I was not made aware of any late fees directly from this company at any point of time. 

On XX/XX/XXXX, I called and spoke to a supervisor regarding why the credit dispute was declined. They told me that the credit agency declined it and that I would have to speak to them regarding my credit report getting fixed or updated. The XXXX company has submitted for a correction via mailed form. My payment history was broken down from XX/XX/XXXX to current and it shows that I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I tried accessing my credit report information through Equifax to review my credit report and place a credit freeze. I tried signing up for an online myEquifax account which provides these services according to their website. But, my attempt to sign up for an account failed, the website informed me that an account already existed with my information and to click the hyperlink that helps retrieve forgotten passwords, etc. I did this step, and after submitting my information, the website gave me another message saying there was no account associated with my info and email address. I only have a couple of email addresses, so I tried my other email addresses and had the same failed outcome. Then, I decided to call their customer service telephone number, I went through a lengthy identity verification process before reaching a representative. I thought the verification process was good and very thorough but then the representative informs me that their system has technical issues and that they will need me to provide them with my social security number and other personal information again. I did not feel comfortable doing this again. It feels like Equifax is using faulty technology and should not be trusted with so much sensitive information. I found out that not too long ago they suffered a data breach, and after this experience, it is so apparent that they are a sloppy business that doesn't have invest in their equipment and technology. I walked away empty-handed. I had smooth experiences accomplishing what I wanted to do with XXXX and XXXX. I want Equifax to make accessing my information easier on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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:
yes i have tried to get these fraud accounts remove from 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 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/2023, I went online to XXXX to purchase XXXX XXXX tickets and other amusement tickets in the XXXX area ( XXXX XXXX and XXXX ). The total was {$850.00}. When I tried to process the transaction it gave me an error saying that it was rejected by XXXX, XXXX unavailable and declined by processor. I tried one more time and got the same error. I then proceeded to go to the XXXX website to purchase tickets. They also use the same service ( memberdeals.com ) to process payment and got the same results. Since the transaction was declining I went ahead and purchased tickets directly with the amusement parks. On XX/XX/2023, I saw that the transaction actually was showing up on my XXXX card statement through USAA Bank. On the same day, USAA sent me a letter stating that they will post a temporary credit to my account while they investigate. They stated that they may contact me and the merchant to start their investigation. On XX/XX/2023 they informed by letter that they needed additional information from me about the transaction. Since I did not have any additional information and assumed that they would be contacting the merchant I did not provide something I didn't have at the time. On XX/XX/2023, I received a letter form USAA stating that they have denied the disputed because they did not have sufficient information to reverse the transaction .On that same day I contacted memberdeals.com and spoke to XXXX XXXX XXXX and he informed me that there is no record of a transaction taking place nor a payment from USAA in the Chase system. He sent me an email of our conversation where I sent the information immediately to USAA. On XX/XX/2023, I received another letter stating that there was not sufficient information to reverse the transition. I immediately called USAA and asked why. They informed me that the email did not have correct dates or transaction information. I instructed the customer service rep to review the email and she immediate communicated to me that the information was there. I demanded that they contact the merchant to resolve since this issue is not between me and USAA but the merchant. I demanded the credit on the account. The same day I wanted to insure that XXXX did not charge my account so I spoke with XXXX XXXX and she informed me that that they were unable to confirm the purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: PA

Complaint narrative:
In accordance with " The Fair Credit Reporting Act Convergent '', Equifax Mortgage XXXX on XX/XX/2022, XX/XX/2022, & XX/XX/2022, has violated my rights by way hard inquiry on my credit report. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TX

Complaint narrative:
HI 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 explanation
Consumer complaint received 2023-04-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive been notified twice ( XX/XX/XXXX & XX/XX/XXXX ) by Experian of 2 different collection companies that claim an unpaid balance on a XXXX account closed with a XXXX balance on XX/XX/XXXX. Ive filed 2 disputes XXXX despite was answered to Experian by the collection company as under investigation but was never answered. 1. ) In XX/XX/XXXX I spoke to a supposed XXXX representative who said XXXX had been sold to XXXX XXXX XXXX and she couldnt find my account as it wasnt w/ XXXX XXXX XXXX but implied the error was bc I had not sent back equipment, we clarified that was an error and she told me my only recourse since my account was opened under XXXX before XXXX XXXX XXXX acquired XXXX was to file a police report of stolen identity even though I didnt believe my identity was stolen. I believed she had documented and clarified the error. The collection company never gave a determination to the dispute. 2. ) On XX/XX/XXXX I was again notified by Experian of the same unpaid balance but now the collection notice was under a different collection agency. I again disputed the error but this time I called my XXXX XXXX  insurer who suggested dealing w XXXX and provided my w/ a phone number. I spoke to someone name XXXX who did find my account and first told me my account was now closed by XXXX XXXX XXXX but had been placed in collections because on XXXX XXXX I had called to close my account because I was moving but the account had instead been placed on a pause status for 6 mos. and then reinstated XX/XX/XXXX. I informed XXXX this couldnt be true as I had closed my account. XXXX then gave me a phone number of who he identified as a XXXX billing representative who could help me. XXXX XXXX  had warned me not to allow XXXX to tell me they couldnt help and advised me only XXXX could rectify the issue. I told XXXX that I couldnt be helped by a phone number to a collection company and XXXX said he was not giving me the number of a collection company but he was giving a special DirectTV phone number to correct the error. The number XXXX from XXXX was not XXXX & XXXX but rather the second collection company

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
Recently, I did an investigation of my credit report which caused me some issues. All XXXX Bureaus are showing a balance that is inaccurate according to contract. It is a different amount listed on contract. in accordance with 15 USC 1605 it would be a violation, also I would like to exercise my right to rescind the contract. In accordance with 1026.23 I have up to 3 years to rescind the contract. 
I have sent written documentation to the creditor requesting that right. I tried several times to rescind the contract upon signing it and I found out that it was not a double wide. I was told that it was too late. I was never given any paperwork stating that I had 3 days to rescind. 
Upon delivery of the home it had a crack. I tried numerous of times including contacting insurance to have it repaired and the company XXXX XXXX that I purchased it from repaired it one and it cracked again and they continued to stall until time ran out and it has yet to be repaired. 
According to 15 USC 1681a ( 2 ) ( a ) ( i ) it is a violation to report late payments as well.

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 2023-04-08 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681. 

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 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 XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instruction 15 U.SC 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 items of information other than records of conviction of crimes which antedates the report by more then seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with " The Fair Credit Reporting Act XXXX '', Capital One Auto Finance on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TX

Complaint narrative:
Someone applied for a credit card/personal loan under my social security number and name! 
XXXX XXXX XXXX I got a notification that I had a hard inquiry on my credit report. That is how I found out as I NEVER applied for anything! I would like this investigated ASAP so I can get the law involved. This has affected my credit score!

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 2023-04-08 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: TX

Complaint narrative:
Someone applied for a credit card/personal loan under my social security number and name! 
XXXX XXXX XXXX I got a notification that I had a hard inquiry on my credit report. That is how I found out as I NEVER applied for anything! I would like this investigated ASAP so I can get the law involved. This has affected my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TN

Complaint narrative:
HI 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report, and this account is reporting as open, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
For the second time in two years, my mortgage servicer, Dovenmuehle , Inc, has manipulated my account to manufacturer an escrow shortage. I believe Dovenmuehle does this as a pretext to jack up my monthly mortgage payment upon executing their next escrow analysis, due to occur in the month of XXXX each year. 

According to an email I received from an Escalation XXXX, XXXX XXXX on XX/XX/XXXX, she claimed that Dovenmuehle does a check of the balance due, BEFORE issuing payment. This statement, however, is false. Although I provided proof that there was an overpayment of my taxes via granted access to a shared folder on my XXXX XXXX account, XXXX XXXX claimed to not be able to open it. Which again I believe to be false. 

Additionally, the overpayment in the amount of {$1800.00}, was claimed to have been disbursed on XX/XX/2023. However, as of today ( XXXX ) 15 days later, no such payment in that amount has been received and applied to my property taxes by the XXXX XXXX XXXX XXXX and XXXX Collector. 

According to my property tax payment portal, there is a current balance due in the amount of {$1100.00}. If not paid in full by XX/XX/2023, two days from now, my taxes will be considered late and levied with a penalty. 

By now, Dovenmuehle 's payment should have been received, and applied, and a surplus credit of {$650.00} should be revealed on my account balance. However, as it stands now, the overpayment has not been received from Dovenmuehle. Thus, I am unable to discuss the matter with the XXXX Collector to discern how and when I will receive a refund of the surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was made aware that my account with upgrade was 251 days past due. I contacted updated via phone and email, this was the response : We apologize for the confusion. Our records show one of our team members in the back office had just made a note on the account because it showed up on a report. They Corrected the issue and now the account is showing 6 days past due. 

On XX/XX/XXXX, an alert from the credit bureau stated that my credit report shows me being 293 days past due for the same company. After calling them several times and talking to multiple people over the phone and via email, they have stated to me that this resulted from failure of paying late fees. I was not made aware of any late fees directly from this company at any point of time. 

On XX/XX/XXXX, I called and spoke to a supervisor regarding why the credit dispute was declined. They told me that the XXXX XXXX declined it and that I would have to speak to them regarding my credit report getting fixed or updated. The upgrade company has submitted for a correction via mailed form. My payment history was broken down from XX/XX/XXXX to current and it shows that I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief