vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Lennar Financial Services, LLC
State: NV

Complaint narrative:
I went to look at properties in XXXX, NV for a new family home, my Real Estate Agent couldn't accompany me. I let the consultant on duty, XXXX XXXX, know, who told me that it was fine, that my realtor was not present, but later in the purchasing process my realtor was not included. 

I Sign a Contract for a Conventional loan with a rate of XXXX for the property on XXXX XXXX XXXX XXXX. XXXX, NV. XXXX. 
Important calendar dates : 5 Day Right of Recission Expiration XX/XX/year> 30 Day Mortgage Contingency XX/XX/year> Estimated Close of Escrow : XXXX On XX/XX/XXXX ( 5 days after the Right of Recission, I unable to cancel ), I was notified regarding the foreclosure on my credit that nobody mentioned to me. I was not notified previously in XXXX when my credit was run by Lennar Mortgage. Therefore, my Conventional Loan was denied but I have not been provided a denial letter for the conventional loan. Lennar Mortgage did not return my deposit nor denial letter for the conventional loan because there is an option of an FHA loan, which is not the original agreement. 

I have tried to negotiate on many occasions to be supported with the closing costs to mitigate the additional FHA payments that are not within my budget such as : the FHA fee of {$8200.00}, Mortgage Insurance per month {$190.00}. Ultimately, causing an increase in monthly home insurance and property taxes that will be in escrow with impounds ( additional {$290.00} dollars per month ). 

Many questions were left unanswered such as : a ) Official letter mentioning the previous credits were not possible. 
b ) In the case where the property is purchased. In two years if I refinance with Lennar Mortgage, could there be a waiver for the closing costs and fees for the transaction? 

For the reasons previously mentioned, I will move forward and cancel this contract, for XXXX XXXX XXXX XXXX. XXXX, NV. XXXX ; unless there are reconsiderations and a renegotiation that mitigates the changes from the FHA loan, i.e. closing costs. I also request my denial letter of the Conventional Loan and the return of my deposit for XXXX dollars.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
According to FCRA section 605b it is illegal to report any information on my credit report without my permission.please remove this item from my credit report.thank you. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-12 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : ( NATIONAL CREDIT SYSTEM ) ( XXXX ) XXXX : ( NATIONAL CREDIT SYSTEM ) ( XXXX ) XXXX : ( NATLORSYS ) ( XXXX ) XXXX : ( NATIONAL CREDIT SYSTEM ) ( XXXX ) XXXX : ( NATIONAL CREDIT SYST ) ( XXXX ) XXXX : ( NATLORSYS ) ( XXXX ) XXXX : ( XXXX XXXX XXXX XXXX. ) ( XXXX ) XXXX : ( XXXX ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: NH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
According to FCRA section 605b it is illegal to report any information on my credit report without my permission.please remove this item from my credit report.thank you. 


XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In regards to complaint # XXXX Its been 60 days and Equifax has not unlocked my report. I have been trying to get my credit report. Please help they are not trying to give me access to my own credit report. I have given them all my documents as needed and they still refuse to unlock my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: EQUIFAX, INC.
State: VA

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 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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NJ

Complaint narrative:
I reviewed my consumer report and noticed that I had XXXX late payment on an account that I was Never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum Accuracy, I have Never been late on payments for the Account : XXXX XXXX XXXX account number : XXXX Please investigade and provide Proof with statements showing that these payments were late, If Proof can't be provided, I demand these payments be updated to on Time as they should be as I was NEVER Late, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: AR

Complaint narrative:
I am a mentally incapacitated person as of XX/XX/XXXX XXXX XXXX XXXX by Social Security XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I am enclosing copies of supporting evidence of time of sale XX/XX/XXXX. The customer had a valid driver 's license. Customer did in fact produce a valid drivers license. Customer produced proof of insurance. While customer did produce proof of insurance, she was approximately {$820.00} behind on XXXX XXXX insurance payments which she paid {$400.00} on XX/XX/XXXX XXXX pm. She produced insurance, not valid up to date coverage insurance. XXXX XXXX XXXX should produce records where the remaining {$410.00} was paid. The customer did in fact produce a picture on her phone of her paystubs. The customer did not fill out the credit application. The credit application was typed in on XXXX 's computer merely asking customer the questions on the application. The credit application was fraudulent. In fact, the customer under Employment title is a delivery driver for XXXX, not a XXXX, under Employment Type Professional, in fact customer is not a Professional. Under Gross Income shows {$4400.00} per month when in fact the customer makes {$1400.00} per month based on XXXX tax return {$17000.00}. Residence Type stated customer was Living w/relatives, when in fact she was living at the address as stated on the Sales Contract XX/XX/XXXX Monthly Rent/Mortgage stated {$0.00} when in fact the customer was paying {$690.00} a month rent XX/XX/XXXX. The credit application was not fully completed, falsely submitted by XXXX XXXX XXXX XXXX XXXX XXXX  approving the customer for a loan she could not afford. But fact shows customer was approved for credit by XXXX XXXX  for {$31000.00} @ 13 % interest for 75 months ( XXXX years ) payment of {$610.00} monthly, XXXX warranty add on of {$4000.00}, XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00} based on false information on the credit application. Customer denies knowledge of false information submitted on the credit application. Based on evidence submitted, the customer has XXXX evaluation evidence of mental retardation, deficits in intellectual functioning at a fifth-grade level, limited employment skills to maintain gainful employment. Facts show customer has developmental delay, intellectual XXXX, XXXX XXXX, XXXX, and XXXX. She is limited in her self-help skills and daily living skills. Because of these faults of XXXX XXXX XXXX they damaged the customer, exploited her, she's depressed, the Terrain repossessed, lost her life savings, and entered a 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 explanation
Consumer complaint received 2024-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

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 2024-07-12 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On Friday, XX/XX/year> I received a XXXX billing statement indicating I was past due in the amount of {$18.00}. I immediately checked my emails and noted I never received any notification. I had no record of receiving the statement of the original purchase in the mail. I immediately made a online payment from my checking account the same day because I was concerned and did not want any problem. 

I also saw that my credit union showed my credit score had dropped from XXXX to XXXX. Upon checking the credit report it showed XXXX had reported me delinquent in the amount of {$18.00}. The actual charge was for XXXX but because I never received a statement a late fee and interest charge was applied making it {$18.00}. 

On Monday, XX/XX/year> I called XXXX customer service number and a recording said the call was being recorded because they were trying to collect a debit. I spoke to XXXX and advised her I was not aware of the balance due as I never received an original billing statement nor was I ever contacted by phone, email, or letter.and I told XXXX that they had reported me as delinquent to the Credit Bureaus, XXXX, XXXX, and XXXX. As I said I was never notified prior to the submission to the credit bureaus either by Phone, Mail, or Email. I know that on XX/XX/year> XXXX changed their credit card name from XXXX XXXX XXXX to MyLowes Rewards Credit card. I don't know if that was the reason I didn't get the original statement. In any case I was never properly notified as I would have taken care of the balance immediately. I reported a Dispute with XXXX # XXXX. I probably should contact the other XXXX credit bureaus also. My store account # is XXXX XXXX XXXX XXXX. 

XXXX posted payment on XX/XX/year>. 

My XXXX XXXX is very important to me and my payments are always prompt and followed up with if there was any question. This should never have been submitted to the credit bureaus without XXXX making contact with me first. 

I am mailing a letter to XXXX to ensure my rights in writing.

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 monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was married last XXXX and I called Capital One the first time in XXXX with my new information. They wouldnt change my name over the phone and had no way to submit documentation electronically. I had to wait for paperwork to be sent to my home to fill out and mail back to the company. I have contacted Capital One six times over the past seven months and still have not managed to change my name. They sent me more paperwork today to fill out and I am no longer interested. This has been absurd. I just submitted my final payment and will be closing all Capital One accounts as soon as possible. No other account has been this problematic for updating a name after marriage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account that appears on my credit report under the name Columbia Debt Recovery. The account details are as follows : Date Opened : XX/XX/year> Amount : {$3100.00} I would like to state unequivocally that I have never done business with nor have I operated with Columbia Debt Recovery. This account is not mine, and I believe it has been reported in error. 

Please investigate this matter promptly and remove this incorrect information from my credit report. I am prepared to provide any additional information needed to resolve this issue. 

Furthermore, Columbia Debt Recovery has wrongfully called to harass and threaten me several times regarding this account. These calls have been distressing and unwarranted given that I have no affiliation with this company or the debt in question. 

Please investigate this matter promptly and remove this incorrect information from my credit report. I am prepared to provide any additional information needed to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: Experian Information Solutions Inc.
State: MA

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 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 2024-07-12 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: IL

Complaint narrative:
I have asked all creditors for over 8 months to validate debt, Send me a payment ledger. I have asked how was any accounts validated. The credit bureaus have been ignoring me. They have taken up to 75 days to answer any disputes. The Outdated, Inaccurate, incomplete, not my account, or responsibility ( No Contractual Proof ). You NEED to PROVE IT or LOSE IT from my credit report. 
I am writing this letter to your company in unproven reportability with just that, assumed information you are reporting that you believe is correct. Let me ask you this? Was this information justified and did you ask for proof? If so, I DEMAND the proof to be mailed to me immediately if this information shall remain. These are obvious infractions of the FCRA or FDCPA : XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX Account : ( opened XX/XX/XXXX ) XXXX XXXX Account : XXXX ( opened XX/XX/XXXX ) PenFed : opened XX/XX/XXXX XXXX Federal Account : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX wages : Pandemic payments in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : ( opened XX/XX/XXXX ) XXXX XXXX XXXX : ( opened XX/XX/XXXX XXXX  XXXX XXXX  Account : ( opened XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX All three bureaus I have never lived at the address on the file for this creditor that has been removed under another collection name in XX/XX/XXXX. 
XXXX XXXX Account : XXXX ( opened XX/XX/XXXX, only on XXXX and 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 2024-07-12 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: Experian Information Solutions Inc.
State: VA

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 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