vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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:
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 explanation
Consumer complaint received 2024-02-07 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: NC

Complaint narrative:
XXXX, XXXX, Transunion I have been disputing information on my credit report for the last few days, XXXX, XXXX XXXX, XXXX is out of business, XXXX is out of business, I've paid all XXXX accounts off on time there was no chargeoffs, account is wrong, The credit bureaus have the wrong addresses, wrong names, XXXX has XXXX social security numbers, All three bureaus have wrong names and addresses, and jobs I'm retired The credit bureaus needs to do better.. I would like for the XXXX accounts to be deleted off of my credit report. XXXX sent my account to lender who is the lender

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 2024-02-07 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: NC

Complaint narrative:
XXXX, Equifax, XXXX I have been disputing information on my credit report for the last few days, XXXX, XXXX XXXX, XXXX is out of business, XXXX is out of business, I've paid all XXXX accounts off on time there was no chargeoffs, account is wrong, The credit bureaus have the wrong addresses, wrong names, XXXX has XXXX social security numbers, All three bureaus have wrong names and addresses, and jobs I'm retired The credit bureaus needs to do better.. I would like for the XXXX accounts to be deleted off of my credit report. XXXX sent my account to lender who is the lender

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NC

Complaint narrative:
Experian, XXXX, XXXX I have been disputing information on my credit report for the last few days, XXXX, XXXX XXXX, XXXX is out of business, XXXX is out of business, I've paid all XXXX accounts off on time there was no chargeoffs, account is wrong, The credit bureaus have the wrong addresses, wrong names, Experian has XXXX social security numbers, All three bureaus have wrong names and addresses, and jobs I'm retired The credit bureaus needs to do better.. I would like for the XXXX accounts to be deleted off of my credit report. XXXX sent my account to lender who is the lender

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 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Greetings, My Loan was transferred to Mr. Cooper in XXXX. I have been with Mr. Cooper for approximately 15 years. I have been trying to deal with and communicate equitably with Mr. Cooper and expecting to be treated as a valued customer ; however not. 

I've had two modifications due to loss of employment each time. If it had not been for XXXX stepping in, Mr. Copper advised me in XXXX that I was not eligible for the second Modification. 

I was able to find employment again after the XXXX XXXX XXXX XXXX. My employer XXXX XXXX XXXX XXXX XXXX  XXXX who built XXXX XXXX in XXXX XXXX had to leave the area due to the XXXX Financial Crash. XXXX XXXX lost our next project... re-developing XXXX acres at the XXXX XXXX XXXX XXXX due to the Real Estate Market Crash. 

Since the second Modification, Mr. Copper has repeatedly reported my payments late. Nationstar dba Mr. Cooper violates the law that clearly states that payments have to be 30 days late before reporting this to the credit bureaus. I have not had any late payments since the XXXX Modification. 

I have repeatedly attempted to obtain documents from Mr. Cooper ; i.e., 1 ) a Promissory Note, Mortgage Document, and Processed Modification Documents that were signed with no legal representation ; only a notary to tell me where to sign. The settlement Papers state that I received a check/money to cover the loan ; which I did not. 

I asked Mr. Cooper to prove that they own both the Promissory Note and the Mortgage which their CRS advised that they did ; the documents can not be separated. I still have not received the documents I asked for. 

I have asked Mr. Cooper NUMEROUS TIMES Verbally and in Writing to Stop Sending messages to me via their secured mailbox. They have been advised that I am unable to open the messages because my username is NOT my email address. The user name can not be changed or manipulated in the message. 

Mr. Cooper has done nothing but try to Sabotage me and my Credit. Having a poor credit score causes one to pay more for insurance, goods, and services. I have finally gotten my credit score out of being poor to good. No thanks to Mr. Cooper. 

I am a XXXX XXXX ; I have been in my home for 31 years. I can not continue to deal with the nonsense from Mr. Cooper any longer. 

Thank you in advance for assisting me. 

Most appreciatively, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I signed a contract on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX ) who represented himself as a businessman capable of building an XXXX storefront with the purpose of generating passive income via buying and reselling. He had been recommended to me by an individual ( XXXX XXXX XXXX ) who charged me a sum of money to open several credit card accounts with the purpose of funding the construction and purchase of goods. They charged me a sum total of {$35000.00} and stated the store would pay for itself in less than 12 months with monthly deposits of a XX/XX/XXXX profit split. After the above, I was instructed to communicate solely via a XXXX  channel business communication system and no longer phone or text. After several communications over a month to six weeks, their was almost no communication from them, I started to ask for updates, with no response. At approximately 3 months in I was getting extremely anxious and asked for information, at which point I was told they were working on it and no need for me to contact them. After a few back and forth communications over the next two months, I realized that I was not getting through to them and had nothing yet to show for my time or money. At this time I resumed calling, texting, and left some pointed messages with XXXX. He finally returned my call in XXXX at which time I stated that I saw no evidence of accomplishing what I had expected. He could come up with no credible reason for the lack of achievement, I told him in response that I was not interested in pursuing this further and desired my money returned to me. Since that time I have called, texted, written letters and communicated via the XXXX channel more times than I can count, to no avail. One of the selling points in all of this was low or zero % interest on new credit cards which would allow time for profits to erase debt. That option had already been squandered. I can only guess that I was part of a scam or a very poor operation which has left me debt ridden and from which I never received any benefit whatsoever from. As part of the total charge above I was charged {$10000.00} to my Digital Federal credit card. I have called, written and talked to in person to the Fraud dept. and re-appealed all to no avail. They seem to have no sympathy, They say I was beyond a 60 day window for requesting reversal but had no choice as I tried to negotiate with the " merchant. '' Clearly I was scammed...

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 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Larry H. Miller Group of Companies
State: WA

Complaint narrative:
I purchased my car through a dealership and financed it with prestige financial. 
I had my car stolen and opened a claim with my insurance company. 
I also opened a gap insurance claim. 
I thought everything was processed until I looked at my credit report. I tried calling prestige financial and instead of helping me figure things out they were rude about me owing a balance. Which should have been paid by my XXXX XXXX. 
I received a lawsuit from them and they still won't answer any of my questions, I have been asking for a year. I am almost sure my gap claim was with the finance companies XXXX XXXX as I financed it in my loan. But I can not get any answers. Now I have a lawsuit and my credit is wrecked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request

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 2024-02-07 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I check my credit report and found incorrect personal and credit information please help me to remove/update my credit and personal information. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: CA

Complaint narrative:
XXXX has unjustly added information to my credit report, saying that I owe over {$900.00} when I have proof that that amount is incorrect. In addition to this, they have sold my debt to a collection agency that I have made arrangements to pay a lesser amount. How can they sell my debt, that is incorrect my the way to another agency and still report my account as past due, delinquent when I have been sent to collections, AFTER SERVERAL ATTEMPTS TO REACH THEM, TRY AND GET THE CORRECT BALANCE AND MAKE ARRANGEMENT WITH THEM. I have all the supporting documents that I have tried to resolve the matter with them. I only owed {$330.00} dollars when I left, now they are showing that I owe 3 times as much. XXXX XXXX has a history of applying erroneous charges to their customers accounts. They are currently paying out a class action lawsuit for this very thing. 

Please help me by making them remove this account from my credit report. I have an excellent payment history. I pay my bill. Their action has cause my score to drop. Please help me. I have the documentation to prove what I am saying is the truth so help me.

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 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo did a loan modification of the principal balance which we did not agree to. 

We confirmed deferred payments added to the end of the current Maturity date with XXXX in XXXX XXXX in XX/XX/XXXX. 

The loan modification was done without our consent nor with any prior information from Wells Fargo and we were not informed of the deferred payments principal balance being added to the original principal until XX/XX/XXXX. 

Wells Fargo can not add the deferred principal payment to the principal value! They are lying when they say they the total amount that will be paid has not been affected. It has been affected. They have added over {$18000.00} to the total amount of the mortgage. 

We've been going round and round with them. Here 's the content of the fax I just sent to XXXX : FAX TO : Wells Fargo Home Mortgage XXXX : XXXX XXXX XXXX : XXXX From : XXXX XXXX RE : Account # ending in XXXX Dear XXXX, Per your request, XXXX in Home Preservation confirmed that the Covid deferred payments would be moved to the end of the loan not added to the principal balance. 

At no time did you ever warn us that instead of being deferred, you would be adding the deferred payments to the principal. The first notice we received was on a statement after we resumed payments. 

You can not add the principal portion of the payments to the principal. That is a loan modification which at no time did we ever agree to. 

Please remove the second principal balance and defer the payments to after the current maturity date of XX/XX/XXXX per the information Wells Fargo sent to us during the Covid forbearance process and as we agreed upon with your agents. 

Further correspondence is requested to be electronically sent to : XXXX Thanks, 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Payfare International Inc.
State: PA

Complaint narrative:
XXXX XXXX ( Payfare ) has made a false transaction of {$450.00} from my account on XX/XX/2024 stating XXXX XXXX has debited the money. Ive called both. XXXX has shown me my transactions for the month of XXXX and there isnt any duplicate transactions of {$450.00} listed. Neither does the money shown withdrawn from XXXX XXXX statements. 3 of 5 times I reached out to support I was met with hostility and had the call ended by the representative. The transaction now shows as posted and they have stated Im not able to dispute this charge. Please help me rectify this situation as I have no other options or ways of getting to the bottom of this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: DE

Complaint narrative:
I have tried get them to remove certain information from my credit report and they are writing me back saying I need to pay for my credit report and that I need to give them certain information. I know that 15 USC 1681 622 ( 4 ) regards my right to privacy. 15 USC 1681 ( 2 ), says that knowing the information is Inaccurate it must be deleted and not more information asked for. I have searched my account after so many years and I was shocked to see so many errors on my account. I am now starting to correct my account and fine that those who supposedly watched over it were not watching out for my good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: DE

Complaint narrative:
I have tried get them to remove certain information from my credit report and they are writing me back saying I need to pay for my credit report and that I need to give them certain information. I know that 15 USC 1681 622 ( 4 ) regards my right to privacy. 15 USC 1681 ( 2 ), says that knowing the information is Inaccurate it must be deleted and not more information asked for. I have searched my account after so many years and I was shocked to see so many errors on my account. I am now starting to correct my account and fine that those who supposedly watched over it were not watching out for my good.

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 2024-02-07 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: OH

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I'm trying to dispute these creditors because I have already contacted these agencies on XX/XX/2024. I have sent them this letter, and they sent me a letter back stating that they can't resolve it because it's been verified. However, I need to have these removed because of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit report indicates that I have had 3 late payments but this is not true because the 3 late payments all occurred prebankruptcy.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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