vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: United Shore Financial Services, LLC
State: IL

Complaint narrative:
I am the Administrator of my father 's estate -- he died on XX/XX/XXXX, and my father was the mortgagee/account holder with UWM. Ever since his death, communication with this mortgage company has been beyond terrible. I submitted all requested documents with their Successor-In-Interest Dept. ( SII ) to include his death certificate, Letters of Administration as issued by the Court, all of the kids birth certificates and a copy of my I.D . and I received a letter on XX/XX/XXXX, stating they received all documents and their system is updated. However, thereafter when I call, sometimes they recognize me as the SII and sometimes they don't. Some agents say I am in the system and some say I am not. This is VERY inconvenient not to mention unprofessional and frustrating. About one week ago, I received a message to call XXXX XXXX XXXX XXXX XXXX XXXX. She called my Sister and advised my Sister she would only talk to me which means she knows I am the SII at UWM for this account. When I tried to return the call to this number, the agent that answered said they could not put me through because I was not listed anywhere in their system and they wouldn't even give XXXX XXXX the message that I called. It is hard to handle the business on this account. And now, because of the derelict and negligent way that UWM has handled communication on this house over the past year, the house has lost almost {$100000.00} in value and we have lost opportunities to sell the house. I at least wanted to get enough for the bank to pay the mortgage off and hopefully there would be something left over for the kids but now there may not even be enough value to pay the bank the full mortgage. I need someone at the company who knows what is going on and how to fix this to get involved. One hand doesn't know what the other is doing and it has made the situation with this account worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TN

Complaint narrative:
So this my second complaint with this company. I filed a ftc identity report all ready as well a police report submitted with my last complaint. I want a copy of the investigation as well the procedure they use to determine the accuracy of the information. XXXX XXXX was deleted and now back on after they took it off from the last investigation. Also its a XXXX XXXX  thats havent been taken off yet. I never sign a contact with this company. I want proof of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
I am writing this letter to have inaccurate items removed from my credit report as I am a victim of identity theft, and I did not make these charges. The items I need deleted due to the theft of my identity are listed on this document. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
Was given notice on XX/XX/scrub>XXXX XXXX XXXX  that they were suing me for {$1500.00} saying I owe them a debt. I had never heard of them or been contacted by them prior. After repeatedly calling as soon as I received notice, and them ignoring my calls, I contacted them through the XXXX telling them that u do not know who they are and I never took out a loan for this debt and gave written request for verification documentation that I owe this debt, including a copy of whatever identification verification documents they are supposed to collect when a loan application is submitted. This can include a copy of my drivers licence, passport, ssn card, or birth certificate. XXXX almost a week calling, I got a hold of them, but they could not find my file with any of my information until I provided my social. Suddenly thy claimed they found my file. I spoke to their lawyer who went through all the information on the loan application. The only information correct was my first name, social, and address. Everything else including my last name, phone number, email, income, time zone, bank account, etc. was incorrect. Because I didnt want to go to court and have to pay a lawyer and a babysitter, I tried to settle even though it was not mine for more than double what they say they paid to take over this loan. Instead they want close to {$1200.00}, when they themselves sent me the receipt that says they paid {$240.00} for this debt. It is now well past the 30 days they had to send me the requested info. All theyve sent is an electronically signed contract which again, had the wrong last name on it, and is not something I ever signed. Now they are refusing to answer or make any attempt to fix this. Their XXXX profile is filed with complaints of people saying this same things been done to them.

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 2024-04-03 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: SC

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Dear TransUnion, I am writing to dispute unauthorized credit inquiries on my credit report that I believe to be fraudulent. I did authorize the inquiry but I got denied for a loan based from a fraudulent collection account. They removed the collection account as asked. If the fraudulent collection account was not on my report I would have been approved for the personal loan. I couldn't bury my grandmother because of the loan denial. I am requesting that this item will be removed from my credit report as they are affecting my credit score unjustly and essentially ruining my life. I called XXXX XXXX and they told me disputes are placed on Transunion and not through them. 

Personal Information for Verification : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX The details of the fraudulent inquiry are as follows : XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX The XXXX Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

Enclosed are copies of [ any relevant documents or proof of the dispute, such as my ID, I request a prompt investigation into these matters and the removal of these unauthorized inquiries from my credit report. Please confirm the receipt of this letter and inform me of the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-04-03 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theft all of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX  XXXX XXXXXXXX XXXX XXXX : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/2023.

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 2024-04-03 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theft all of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX  XXXX  XXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: AL

Complaint narrative:
I hAVE DISPUTED THE SAME ACCOUNTS FOR 5 MONTHS. aLL THEY HAVE DONE IS XXXX  DATES AN BALANCES. aLL INCORRECT XXXX IS STILL THERE

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 2024-04-03 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: AL

Complaint narrative:
I hAVE DISPUTED THE SAME ACCOUNTS FOR 5 MONTHS. aLL THEY HAVE DONE IS XXXX  DATES AN BALANCES. aLL INCORRECT XXXX IS STILL THERE

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 2024-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 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 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 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 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 2024-04-03 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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXXXXXX 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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 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

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 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I have been unable to transfer my money in my Venmo account or use them with my Venmo debit card nothing for a month now which the money has been in my Venmo account since XX/XX/2023. Then last month Venmo suspended my account for whatever reason and requested that I submit my driver 's license and a selfie holding my driver 's license to verify my identity which I immediately did that. A few days later they sent me an email saying that they successfully verified my identity and told me to change my password and my account was unsuspended. But ever since I have not been able to transfer my money from my business account to my personal account which are both linked anyway, unable to use my money with my venmo debit card, unable to transfer instantly to a credit/debit card and unable to transfer either instantly or manually to a bank account. Which I have contacted Venmo regarding this SEVERAL TIMES via email, chat and phone but to no avail no solution no nothing still unable to transfer my money or do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TN

Complaint narrative:
So this my second complaint with this company. I filed a ftc identity report all ready as well a police report submitted with my last complaint. I want a copy of the investigation as well the procedure they use to determine the accuracy of the information.. Also its a XXXX XXXX XXXX thats havent been taken off yet. I never sign a contact with this company. I want proof of this debt.

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 2024-04-03 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information in my credit file identified during a recent review of my credit report. The details I am disputing are not accurate and reflect inconsistencies that could impact my creditworthiness negatively. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( e ) ( b ), I request an investigation into these inaccuracies to ensure my credit report reflects only accurate and verifiable information. 

The specific inaccuracies I am disputing are as follows : Original Lender Name Inconsistency : My credit report lists the original lender as Progressive with XXXX and XXXX but XXXX XXXX with TransUnion. This discrepancy may lead to confusion or the appearance of multiple debts instead of one. I request that this information be corrected to uniformly reflect the accurate original lender name across all three credit reports. 

XXXX XXXX XXXX : The collection agency handling my account is listed differently across the three credit bureausthis inconsistency could imply incorrect reporting of the collection account. The correct name of the collection agency should be uniformly reported by all three bureaus. Please investigate and update this information to accurately reflect the collection agency handling this account. 

Status Descriptions Variability : The status of my debt varies significantly across the reports, from Unpaid to Collection account to an extensive description on XXXX. This variation could mislead credit grantors about the true nature of the debt. I request a review and uniform update of the status description to ensure it accurately represents the status of my account. 

Enclosed are copies of documents supporting my position and highlighting the discrepancies for your review. Please note, I am not requesting the information be deleted if it is accurate, but rather that an investigation be conducted to verify its accuracy. 

I understand under the Fair Credit Reporting Act, you have 30 days to complete an investigation of the items I have disputed and to provide me with the results in writing. If the information is found to be inaccurate, the law requires you to correct it or delete it from my file. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2024-04-03 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: CA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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