vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion refuse to allow me to see my credit reports online. XXXX just started this to me after I submitted the complaint against them through the CFPB. They refuse to accurately verify the accounts in question instead they just update the accounts with the fraud information. As far as Transunion they won't allow me to create an online account either they tell me I already have one every time I try to reset the password it shows an email that doesn't belong to me. I have brought this up which clearly indicates fraud but they refuse to help me. Instead, they send letters to my XXXX XXXX verify my address which I have done several times and yet they won't update it. I will be uploading my pay stub as proof of address on this complaint. It is also against the law to prevent me from accessing my credit report. I have to rely on other sources to get my report. then they try to force me to pay a credit score that they won't even update. XXXX sent me a letter in the mail that said I didn't have a credit file yet here we are still with this information they won't delete.

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 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
I was under XXXX XXXX bankruptcy from XXXX. My XXXX XXXX was discharged on XX/XX/XXXX. The trustee made all of my mortgage payments during this time and cured any past due amounts. I became responsible to begin making my own mortgage payments on XX/XX/XXXX. However I sent that payment to the Trustee on XX/XX/XXXX and they sent the payment to PHH Mortgage in the amount of XXXX. I have been making weekly payments to PHH since XX/XX/XXXX. My last payment of {$160.00} was made on XX/XX/XXXX and they rejected my payment. The reason for rejecting my payment is that my account is due for XX/XX/XXXX payment. I have repeatedly called them since XX/XX/XXXX to have my account updated since my discharge to no avail. The last statement date of XX/XX/XXXX shows a payment due date of XX/XX/XXXX with no past due amounts.The information on their website and the information on my statement differs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NV

Complaint narrative:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, myself, my mother and ex husband were called from The XXXX XXXX in regards to a 'complaint ' against me filed with them. This was the voicemail that was documented : Good morning this urgent message is intended for XXXX XXXX I'm contacting you today in regards to a complaint it's been forwarded to my office to discuss the pending actions that may be filed against you you'll need to immediately contact the firm that issued this complaint the number provided by the firm is XXXX you'll need to reference file number XXXX so please understand that this is a time sensitive message and failure to respond may result in the firm proceeding forward and making a decision without your participation please be advised that all calls are logged in submitted as proof of the efforts being made to notify you of these actions I called back and spoke to XXXX XXXX at extension XXXX. She told me that I owed {$8000.00}. She said there was a letter mailed a month and a half ago. I did verify that it was sent to the incorrect address. She asked her director if they would honor the pay off and they said they would. The pay off is {$1800.00}. She told me that this was for Continental Finance credit card which was opened XX/XX/XXXX and charged off XX/XX/XXXX. I do not see this on my credit report and I did not see it on my credit report when I cleaned it up back in XXXX. I asked her for 30 days to validate the date and she said I was 'in default ' and that giving me that time was not an option. She stated that my case would be filed to go to court either today or at the latest on Monday if I didn't agree to a payment plan or give them a post dated check or something to 'cease and desist. ' According to the statute of limitations, I can not be sued for this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: FL

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as i did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your EARLIEST CONNIVENCE. I actually have security freeze on my accounts. which should have alerted me prior to my credit being ran. I did not receive any alert or notifications that my credit was being ran for these accounts which is very disturbing. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as i am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's identity Theft Affidavit in regard to this incident. Please investigate these matters and remove these inquiries.

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 2022-06-09 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: FL

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as i did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your EARLIEST CONNIVENCE. I actually have security freeze on my accounts. which should have alerted me prior to my credit being ran. I did not receive any alert or notifications that my credit was being ran for these accounts which is very disturbing. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as i am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's identity Theft Affidavit in regard to this incident. Please investigate these matters and remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit Reporting agencies improperly reported information on my consumer report. The information was disputed and the results came back from the agencies as " Verified '' but still showing incorrect information and shows they did not conduction a " Resonable '' investigation as required by the FCRA. The account is a collection yet showing a past due, also payment grid showing incorrectly.

This is a violation of : 15 USC 1681e ( B ) - Maximum Reporting Accuracy 15 USC 1681i ( a ) ( 1 ) ( A ) - Procedure in case of disputed accuracy I have uploaded the Investigation results as proof of the poor investigation and inaccurate reporting.

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 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
There is INACCURATE account information my credit report that's not mine. I requested Credit Control Corporation to remove the collection two times by certified mail however they refuse to remove there inaccurate reporting. They have used information in my credit report to update data in there system. I have not received further response about removal of reporting.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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:
In accordance with with the fair credit reporting act and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: MI

Complaint narrative:
I checked over my credit file and I noticed some collection accounts that I am not aware of and I do not owe them any money when I try to contact them to get more information I cant even get all the proper documentation but they still try to collect debt from me so I have attached an FTC report to protect me during this manner & I asked that each collection account that i have listed in this be removed from my credit file immediately contact each creditor and bureau and have them remove these accounts now, this is very unacceptable and wrong for them to do FTC Report # XXXX XXXX ( XXXX ) XXXX {$320.00} XXXX XXXX {$15000.00XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am in disagreement with XXXX, Transunion and XXXX credit reports on my payment history. Specifically XXXX credit cards 1. JXXXX XXXX - XXXX, XX/XX/XXXX On XXXXXXXX XXXX end there was an issue with autopay/payment due date changes. Payment was received as soon as I was notified of the issue. Was falsely assured Id have no issue with my credit report 2. XXXX XXXX, XX/XX/XXXX On my end autopay failed and I didnt recognize, HOWEVER, the account was paid in full ( actually a few dollars over ), days later. I was never over 30 days overdue. XXXX and XXXX where paid in full as well 3. XXXX XXXX, XX/XX/XXXX I was hospitalized with XXXX but I never missed a payment.

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 2022-06-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-06-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The account listed below is being reported inaccurately on my Experian credit report which has caused financial distress and is against the law. Ive ask several times for the account to be verified by showing original signed documentation no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act OFFICE OF THE ATTY GEN Acct # XXXX, XXXX acct # XXXX has voilated my rights 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 with my written instructions.

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 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Own Up Holdings, Inc.
State: TX

Complaint narrative:
I was approved by own up for a loan. They are the middleman for other lenders. I submitted all my documentation, got the quotes that i Qualify for, I sent them the purchase agreement so that I can get alone estimate, they're refusing to give me a loan estimate without me locking me In Is end submitting a payment. I told them that that's illegal And they are obligated to give me my loan estimate. I've given all my documentation, I already got the approval, and now they're Withholding the loan estimate from me unless I pay and lock it with them 1st.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: AZ

Complaint narrative:
I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question : XXXXXXXX XXXX  XXXX Balance Owed : {$76.00}

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 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Summary : Ally XXXX  is erroneously charging us for property taxes that are not assessed by XXXX XXXX. Repeated discussions with their people, and referrals to their Escrow department to double check, have been ineffective. With this mistake in place Ally Mortgage is raising our monthly escrow payment by nearly $ XXXX, which we will not pay and they have been unable to correct. 

Our home property taxes to XXXX XXXX, WA are {$8900.00} annually, payable by XXXX installments, XXXX in XXXX and XXXX in XXXX each year. 

We received an Annual Escrow Account Disclosure Statement from Ally Mortgage, dated XX/XX/XXXX. This statement indicates that XXXX separate disbursements were made from our escrow account in XX/XX/XXXX, XXXX for {$4400.00} and a second one for {$3500.00}. Both payments were described as being " XXXX. XXXX  '' payments. The {$4400.00} payment is the proper amount owed, a XXXX XXXX treasurer statement dated XX/XX/XXXX showed that {$4400.00} was received and credited to our account, and NO further taxes were due by us until XX/XX/XXXX. 

The {$3500.00} amount that Ally disbursed from our escrow account. is NOT ours to pay. XXXX XXXX treasurer did NOT receive a payment of {$3500.00} for our account. I have spoken with them about it and they verified they did not receive that. 

On XX/XX/XXXX at XXXX PST I called Ally Mortgage at XXXX. I explained the situation to the customer representative and she said that the Escrow department would research this and send me an updated statement. 

I did receive an updated statement and it still indicated this bogus {$3500.00} charge. 

On XX/XX/XXXX at XXXX PST I again called Ally Customer Service and spoke to a gentleman about this issue. I asked him who this bogus payment of {$8500.00} was paid to and he said it was paid to XXXX XXXX. XXXX XXXX denies that they received a payment in this amount for our account. After several minutes of wrangling he said he would personally look into this and call me back. 

As of XX/XX/XXXX I have received no further response from Ally bank and have decided to file this complaint. 

Until this is resolved I have canceled our AutoPay to Ally XXXX. Payments will be made by a mailed check that will continue principal, interest and escrow payments made before this error was introduced.

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