vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-16 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: OneMain Finance Corporation
State: VA

Complaint narrative:
I have been the victim of identity theft, which has resulted in unauthorized and inaccurate information appearing on my credit report with XXXX, XXXX, and XXXX. Specifically, my personal identification information, including my Social Security number and other personal details, have been used without my consent. These unauthorized accounts and inquiries have severely impacted my creditworthiness and were reported by these agencies without proper verification or my authorization. Despite my requests for the removal of this information, XXXX, XXXX, and XXXX continue to maintain inaccurate information. I do not want a fraud alert placed on my account, but I am seeking the immediate deletion of the fraudulent accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
On XX/XX/year>, my regular mortgage payment was automatically drafted from my bank account, as it has been for the past year and a half. Everything appeared normal, and I had no indication of any issues. However, on XX/XX/year>, I unexpectedly received a package containing a check for the amount of my XXXX payment, along with a brief letter stating that the payment was incorrect. 

This was the first time I became aware of any problem. I immediately contacted the mortgage company and learned that my payment had changed due to an escrow shortage. While this isnt unusual, I had received no prior notificationno voicemails, emails, or mail informing me of the change. 

That same day, I made two mortgage payments through my banks online portal to resolve the issue. Despite my efforts, the company has refused to acknowledge its communication failure. As a result, my credit score has dropped by nearly 100 points, and for the first time, I now have a late mortgage payment on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANCO POPULAR DE PUERTO RICO

Complaint narrative:
On XX/XX/year> I received the closing disclosure from my bank as I was selling my property in XXXX XXXX and cancelling the mortgage loan. According to the bank the mortgage pending balance was {$170000.00} but in my bank app account, the pending balance was {$160000.00}. 

I asked the bank and XXXX XXXX XXXX XXXX said the difference was probably due interest adjustments, and everything should be corrected on the closure. Then after the closure I asked several times and i did not receive any answer from XXXX XXXX. 

I used to pay my loan every XXXX so if I paid my last loan bill on XX/XX/XXXX and my bank app account said the pending mortgage balance was {$160000.00}, how could it be possible that I was applied a higer amount? 

Secondly, a few weeks after the closure my ex-wife received a check from BPPR related to the closure. But she was not the owner anymore and I couldnt get any information about that check. That check should have been sent to me directly as the only seller of the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Good Morning, To whom it may concern : My XXXX XXXX XXXX was Repossessed by Navy Federal Credit union on XX/XX/year> for a Balanceof $ XXXX made my First Payment for {$80000.00} ( By Check ) by XX/XX/year> and the Second payment on XX/XX/year> through XXXX / Debit Card ending in XXXX I made a Payment for {$680.00} ) affiliated with XXXX XXXX  XXXX And I was told by A staff by the Name of XXXX ( From Navy Federal ) that she saw the Payment but Notsure why it is not posted or applied to my Outstanding payment, and it will be posted Friday XX/XX/year> and as of today XX/XX/year> it is still not posted. I was told to get new Insurance for {$1000.00} Deductible for both Collision and Comprehensive ( {$560.00} ) which I did and Had the insurance company sent the proof they received that. I also had to pay {$620.00} on XX/XX/year> for Administrative fees, Towing and storage fees. And still I don't have the vehicle yet. That's a XXXX XXXX. This not included all fees to Transfer and Many Phone calls I've made to the Repossession section to tell me they are not seeing the proof of payment. I spoke to so many staff in that section ( Repossession } e.g XXXX, XXXX XXXX, XXXX, XXXX, XXXX etc and No One can not find my Payment. 

The Vehicle was towed by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Whichis a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke to XXXX In XXXX GA XXXX and she Quoted me the Price for the Admin fees and Daily storage and it Would Have been {$380.00} as of XX/XX/year> but Navy Federal Credit union told me it was {$62000.00} and I had to pay that on XX/XX/year>. 

As of XX/XX/year> the car was towed to XXXX XXXX XXXX, XXXXXXXX XXXX so If and when it is released I have to find a way out there to Retrieve it Further out in New Jersey. I am Drained and Disgust with Navy Federal Credit Union at this point and they also told me I am Still responsible for the Daily storage while they So call trying to find the money, ( {$680.00} ) I have not worked since XX/XX/year> and another payment is coming up on XX/XX/year> My Name is : XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
All of my student loans are showing up as duplicated on my credit reports, after the lender update. I am providing a couple of samples, there are around XXXX accounts showing up.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
All of my student loans are showing up as duplicated on my credit reports, after the lender update. I am providing a couple of samples, there are around XXXX accounts showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: NV

Complaint narrative:
All of my student loans are showing up as duplicated on my credit reports, after the lender update. I am providing a couple of samples, there are around XXXX accounts showing up.

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 2024-09-16 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: GA

Complaint narrative:
I sent out numerous of letters on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items below Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation original contracts used to validate the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt..

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
In XX/XX/year>, M & T bank sent a notice of escrow shortage. In the letter it states if you choose not to pay the full escrow shortage amount to refer to the next page to see how the payment will change. This statement implies if the escrow shortage is paid there would be no change in payment. On the second page it shows the current payment and the new payment, if escrow shortage is not satisfied. No where in the entire notice does it show what the new payment would be if the escrow short is satisfied. This bank knowingly and willingly uses deceptive language and practices in their annual statements. This complaint is a demand for M & T bank to correct their deceptive practice by updating their annual escrow shortage statements to show the consumer 3 things : 1 ) current payment, 2 ) new payment if you do nothing, 3 ) new payment if you satisfy the escrow shortage.

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 2024-09-16 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: Nelnet, Inc.
State: NJ

Complaint narrative:
Company in Violation of this XXXX Account # XXXX Charge of accounts are considered, certificates of indebtedness, pursuant to I.R.S publication XXXX and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974. 
The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records. 

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless XXXX of the exceptions or exclusions described in chapter XXXX applies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I HAVE BEEN TRYING FOR YEARS TO CLEAR THIS ACCOUNT UP AT NO TIME DID I EVER SIGN OR ENTER INTO ANY AGREEMENT WITH THIS COMPANY. THIS ACCOUNT IS FRAUD AND I NEED THIS CORRECTED

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 2024-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
My student loans were transferred from XXXX to Mohela and my first payment to Mohela was due XX/XX/year>. On XX/XX/year>, I made payment to Mohela through XXXX XXXX Bank with electronic tranfer. On XX/XX/year>, XXXX XXXX confirmed the payment received by Mohela. On XX/XX/year>, I received an email from Mohela stating that my payment was past due. I called Mohela and told them that my payment was made through their XXXX XXXX electronically by XXXX XXXX Bank. Mohela stated that they needed proof of payment. On XX/XX/year>, I emailed to Mohela, Customer XXXX, the XXXX XXXX document for proof of payment. On XX/XX/year>, I called Mohela to check on the status of this payment issue. Again, I was informed by Mohela that they couldn't find the payment and further it might take up to 90 days for them to locate the payment. The agent then stated that they would place my account on Administrative Hold and my first payment would be due XX/XX/year>, which would give them time to locate my payment. The agent further stated that Mohela would not be reporting any action to Credit Reporting Agency during their investigation. Following my XX/XX/year>, call, I have called Mohela over XXXX times concerning the status and I'm always given the same reply, they're still looking and it may take 90 days. Meanwhile, I just discovered that Mohela has indeed reported negative actions on my credit report! This is unfair and unacceptable as I in good faith made my payment following their instructions 2 weeks in advance of my payment due date. Their actions and lack of concerns to resolve this matter having negative impact on me is criminal in my opinion. When calling them they placed me on eternal holds without any real concern to resolve the matter. I have asked to speak with a supervisor or someone to resolve, but have been unable to have such conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After finding out I was a victim of identity theft, I received a copy of my credit report and noticed several inaccuracies and incorrect information located within my credit report. I then sent a certified letter to all three of the main credit reporting agencies ( XXXX, XXXX and Equifax ) notifying them of my identity theft situation and requesting the verification of accounts I will include within this complaint. Shortly thereafter, I received a letter stating their reasons for the remaining accounts. Due in part to the laws provided herein, 15 USC 1681 sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ) .I have included supportive information. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ) .I then sent a letter requesting a re-investigation of said accounts with a request to provide me with the necessary info as to whom you spoke to to verify this information with. I recently received a current copy of my credit report and I still see inaccurate and incomplete information within my credit report across all three of my credit file. All three bureaus included. Those being XXXX, XXXX and Equifax have miscommunicated my information even after I notified them at least twice. I have certified mail with dates to further my complaint. The accounts I speak of are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I highlighted majority of the inaccurate information that falls within the guidelines of reasons to delete said accounts due to a multitude of misinformation, misrepresentation of a consumer along with other infraction that falls within. Accordingly, certain laws have been afforded to myself, a standalone consumer, to protect me against the crimes I have proven within the written comments and highlighted areas. I closed are also documents that will verify my identity which have allowed my or others to move forward because I am who my identification says I am.

Company response to consumer: Closed with explanation