vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NC

Complaint narrative:
Selene Finance Account # XXXX Selene Finance took over my mortgage less than a year ago ( I think ) Recently, I received a notification from XXXX, my homeowner 's insurance provider, about my upcoming annual premium. On three separate occasions, I called Selene Finance and experienced extended holds exceeding thirty minutes each time after asking to speak with a supervisor about my paying my homeowner 's insurance. Finally, on XX/XX/2024, I was informed that I do not have an escrow account and am responsible for paying my insurance directly. This was surprising as I was also incorrectly told that I reside in a condominium, which is inaccurate ; I live in a two-story house. For over 15 years, my mortgage payments have included an escrow portion for taxes and insurance. Despite my insistence I was repeatedly told that I do not have an escrow account. I stressed that I do have a escrow account and for 15 years my homeowner insurance have been paid by the mortgage company. Is advised the customer service rep that my insurance payment, as indicated by XXXX, is due on XX/XX/2024, and requested urgent escalation, but was denied. 
Subsequently, I was put on hold again, and another agent informed me that an email was being sent to the relevant department. I provided my insurance agent 's contact details from XXXX XXXX XXXX, XXXX, at XXXX ext XXXX. I was assured of a follow-up, which I have yet to receive. I reiterated the urgency due to the impending due date. I am seeking an explanation for the changes in my account details following the transfer to Selene Finance and require confirmation that my escrow is being managed correctly. My monthly mortgage payment is {$1500.00}, which includes contributions to both the mortgage principal and the escrow. I am requesting assistance as Selene Finance has not been helpful, and my confidence in their handling of the situation is waning. 
I need my homeowner insurance paid as it has been for 15 years. I also need information corrected that I don't stay in a condo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-09-06 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Name : 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 explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: January Technologies, Inc
State: TN

Complaint narrative:
I don't know the dates cause I just became aware of alot of these fraudulent accounts and the Identity Thefts accounts used in my nameXXXX I did not open these accounts nor order these items

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
These XXXX  loan accounts are reporting negative when it was clear that I paid them look at my previous payment history an correct it back to its original reporting if you are unable to do that remove accounts below there will be attached a complaint regarding these inaccuracies if you don't want to be held accountable for {$1000.00} per violation update them { US DEPT ED } Please block inaccurate information if your unable to update correctly remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting 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: KS

Complaint narrative:
The credit reporting bureaus, in general, have become very difficult to deal with. I will try to outline the difficulties I have encountered today as an example of the general difficulties and roadblocks erected in dealing with these companies. 

XXXX : Can not get a printed or PDF copy of a credit report online. This must be requested thru another party ( XXXX ) that requires additional sign-up involving deeply personal information ( SSN ) creating yet another leak source XXXX calling the company. That phone call took over XXXX minutes on hold and involved giving all of the personal information to both the IVR ( telephone interactive voice response system ) and the human rep that eventually answered. In the end they would not allow me to have a copy of the report without providing a copy of my driver 's license through an additional procedure. I declined in frustration and left polite feedback about the specifics of my difficulty with them in this interaction. The human I dealt with was fine ( even wonderful ). It's the System that is the problem, and they have no real motivation to fix it. 

TransUnion : The login credentials used for XXXX XXXX are not the same as a " front door '' login. I was able to get logged in thru the XXXX XXXX angle then navigate to the Credit Report location. The website said I recently received a report ( which I had not that I am aware of ) and would not process my request, directing me to call a phone number, which lead to an IVR that was impossible to get through. 

All of the bureaus are VERY MISLEADIING in wanting users to signup for a paid service. 

Please address this. 

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 2024-09-06 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: CL Holdings LLC
State: DE

Complaint narrative:
XXXX I asked for XXXX XXXX XXXX XXXX a debt validation letter which they could not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Hello, I had my credit card and cellphone ( same pin as credit ) stolen while out late in the city of XXXX. The thieves had full access to my cellphone, and they got my PIN after I typed it in at the bar. I reported this as soon as possible when I got home and got access to my XXXX. 

The thieves ran up several fraudulent charges, which were then reported to Robinhood that very same day, XX/XX/XXXX, I was able to lock my card manually. Robinhood thought the initial charges were fraud and blocked them correctly but approved them on the second attempt.

I submitted a police report and all the information I was asked to send by Robinhood. Then Robinhood violated my rights and federal law by refusing to protect my account from fraud and cover these charges. I asked for detailed reasoning, and they refused to provide it in their tech-support chat. I asked that they do a complete investigation, yet they claim to have done so in less than XXXX weeks. It says the claim was submitted on XX/XX/XXXX, and the investigation was completed on XX/XX/XXXX. 

I spoke with a member of the financial crimes unit of the XXXX Police Department who was shocked at this ; he instructed I continue to be persistent with XXXX, who has yet to explain the specific reasoning for the decision but also has given false reasons, for example, they wrongly claim that there was no additional charge after I locked the card, but this is not true. There was a charge at a XXXX for {$100.00} at XXXX PM on XXXX the XXXX. My card was locked within XXXX hours and I reported it promptly. I did everything in my power correctly. 

There was a delay in reporting, but this couldnt be the case when customers have 90 days to report. XXXX was reported to the firm asap within XXXX days, and the first couple of days, I was changing the passwords to all of my accounts because since they had access to my phone login PIN, they had access to my iPhones saved passwords and notes app list. I was also getting a new cellphone from XXXX and went through XXXX process of reporting the phone stolen so that they could lock the device and block it from being activated in the future. 

They talk about transaction history, but only XXXX of those stores had any transaction history, and that was a big box retailer, XXXX. But the thieves hit multiple targets, including ones I didn't have purchase history with. The other charges take place all over the city, but mainly on the south side, which again is a place I have no long history visiting or any purchase history from. 


They say there was not enough information given. Yet, I provided an entire police report, screenshots from my email of the finding my XXXX and it being removed, and the fact that I had to order a replacement phone and report the other phone stolen on the same date I locked my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
The Company has purchased a fraudulent account from penfed credit union with whom Im already fighting against about the errant and fraudulent account they have let a scammer put in my name I have already been advised by XXXX that my information is exposed on the Dark Web and my emails and address etc.. this is horrible Im out of faith as bd energy to get these credit companies especially penfed to stop harrassing me and Security Credit Services as I never ever owned, opened any account with them. XXXX sold this account thats been fraudulently open in my name to tha company in XXXX Mississippi lease help me to get this dissolved and 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 explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
The Company has purchased a fraudulent account from XXXX XXXX XXXX with whom Im already fighting against about the errant and fraudulent account they have let a scammer put in my name I have already been advised by XXXX that my information is exposed on the Dark Web and my emails and address etc.. this is horrible Im out of faith as bd energy to get these credit companies especially penfed to stop harrassing me and Security Credit Services as I never ever owned, opened any account with them. XXXX sold this account thats been fraudulently open in my name to tha company in XXXX Mississippi lease help me to get this dissolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXXXXXX XXXX  XXXX I took out {$750.00} on a Best Buy Credit Card. I regularly made payment of $ XXXX  monthly for a year. I was promised a 0 % interest rate for XXXX year. After 18 months my balance has not gone down by more than a XXXX  XXXX XXXX. 

The company never sent me my card in the mail and refuses to do so after I attempted to call them. This makes it impossible for me to create an account online to set up auto pay. 

I have had to call to make a payment each month since. They have been charging me late fees of $ XXXX each month and a result, providing no grace period if payment is not made on the first of the month, even when this date falls on a XXXX XXXX XXXX  or other non-business day. I have never missed a payment but have paid it a day or XXXX late from time to time. 

They have assessed over XXXX late fees of XXXX XXXXXXXX on my account. The balance should have been paid off months ago as I have given them more than what I took out at this point, but my balance has barely gone down. 

Late fees were capped by the CFPB at {$8.00} in XXXX and this company refuses to honor this. I feel they are in violation of the law and I would like my balance reduced to reflect the fact I have paid them well over the {$750.00} I took out at this point. At the very least I want all late fees I took out reduced to the {$8.00} required by law, as they are in violation of this policy.

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 2024-09-06 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: EQUIFAX, INC.
State: TX

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.

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 seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

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 2024-09-06 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: IL

Complaint narrative:
I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In acordance 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXXXXXX XXXX XXXX XXXX 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.

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 2024-09-06 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: KS

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2024-09-06 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation