vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I bought a solar from XXXX. They transfer my loan to Goodleap. 
I started to pay my loan at 5.99 % all the payments are supposed to be equal {$160.00} Suddenly, in XX/XX/XXXX the difference in payments varied. They moved the principal amount and the interest so it will look the same total amount. 

Here is why I paid on XX/XX/XXXX Outstanding Principal : {$20000.00} Target Principal Balance : {$15000.00} Target Balance Date : XX/XX/XXXX Maturity Date : XXXX/XXXX/XXXX Interest Rate : 5.99 % DUE : XXXX Principal {$62.00} Interest : {$100.00} Fee : {$0.00} Total Payments : {$160.00} This is XX/XX/XXXX Outstanding Principal : {$20000.00} Target Principal Balance : {$15000.00} Target Balance Date : XX/XX/XXXX Maturity Date : XXXX/XXXX/XXXX Interest Rate : 5.99 % DUE : XXXX Principal {$51.00} Interest : {$110.00} Fee : {$0.00} Total Payments : {$160.00} As you can see, it was very easy to change the principal amount and the interest so it will look the same. 
By increasing the interest amount every month, it will be very hard to notice that the principal amount was decreasing very slightly. And the interest for them was overwhelming within the years. 
What a way to increase revenue for the company!! 
The webpage doesn't give you any link where you can complain. 
And also, Goodleap says that it is a third party, but it is Goodleap who sends the invoices and statements. 

Please help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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. 

US Dep ED 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.

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. 

I have pointed out the inaccurate reporting of this account in the attachment documents below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

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. 

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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

I have pointed out the inaccurate reporting of this account in the attachment documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: AZ

Complaint narrative:
Debt collection company : National Credit Audit Corporation Employee : XXXX XXXX I was told via. Email their client would not settle for less than 20 % of the total debt owed. 

But their websites states a 30 % Settlement offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back toward the outset of Covid and the shelter in place orders, there were programs instituted to help us. Bank Of America freely started offering a Forbearance program for mortgage payments, which at the time were necessary to help most people. I know for us, our household income dropped precipitously and we, like many utilized this program. One of the companies I worked for, closed, while the other lost most of their work. Most businesses haven't recovered until recently, which is the case with mine. We were offered this solution happily by BofA and needed to utilize it. However way before the end of that 18 month program I started asking about what was going to happen to the deferred payments. Constantly I was told that they were going to be added to the end of the loan. Both for our Heloc and regular mortgage! Well at the end of the period we were told that WAS NOT the case and all the deferred payments were needed to be caught up on or we were subject to foreclosure!! The options were pretty much the standard ones with a 12 month repayment program which would put payments at 2.5 times the payment amount to keep current and catch up!! Impossible! We can/could keep up with regular payments if the forbearance was added to the end of the loan AS IT WAS REPRESENTED!!! We ae older adults and to qualify for their modification is not as easy because earning power for older adults is not the same. We were turned down for a mod although they are having us apply again since there is an increase in work for me BUT I am dubious AND IT SHOULDN '' T HAVE TO BE LIKE THIS!!! THEY SHOULD BE HELD TO THEIR WORD!!! Included is documentation to show the past due amount, 2 months extra than the actual forbearance because they quickly put us in foreclosure and would not allow payments!! TOTAL DECEPTION!! 

Also, there is a game they are playing with us trying to communicate in trying to keep up with communications. XXXX on the loan has authorized XXXX on multiple times and she has ALWAYS been authorized to speak on the loan but now there is always an excuse as to why the authorization letter is not approved. Usually centered on the signatures not matching, so as instructed a recent NOTARIZED updated signature was obtained and sent to BofA!! One division Heloc, approved authorization while main mortgage won't. Even though signatures do match. As they say TIME SENSITIVE but they keep throwing roadblocks in the way! Suspicious in my view!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX EQUIFAX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX/ XXXX account # XXXX ...., XXXX XXXX XXXX XXXX XXXX account XXXX XXXX ... XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I leased a vehicle through Mercedes Benz Financial on XX/XX/2019 with an initial balance of {$62000.00}. I was making regular payments on it, but my ex-husband left me, and I lost 50 % of my income. I could no longer afford the vehicle, so instead of just not making payments or waiting for it to be repossessed, I voluntarily surrendered it. I knew this would negatively impact my credit score, but I thought it was the most ethical thing to do. I returned the vehicle in mint condition on XX/XX/2019, and I had only had it for 4 months. Mercedes Benz Financial quickly sold the vehicle, but they began sending me letters to pay the full lease balance with penalties. They started harassing me, calling me late at night, and early in the morning. They were sending letters to my job as well as my house. Whenever I would block the number, they would come up with another number, and I just keep having to block them. Currently, I have over 65 blocked numbers from them, and it just keeps going and going. This routinely disrupts meetings, my sleep, and other important events. I work two full-time jobs and often work overnight, so I am typically sleeping when they call. This wakes me up, and I can not go back to sleep. It has become overwhelming and oppressive. 

I have contacted MB Financial and have filed multiple disputes through the credit reporting agencies, but they always aggressively respond that the balance is valid. This is not correct because I voluntarily surrendered the vehicle, and according to the lease terms, they were supposed to apply the money they received from the sale of the vehicle to the balance based on current market value. Instead, they charged me for the full remaining payments on the lease plus penalty. They did not apply any money from the sale of the vehicle. This is really hurting my credit, and I have no options at this point other than filing a complaint through your agency. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is still reporting this collections accounts XXXX XXXX XXXX as verified and accurate. How can that be? This collections account shows an PAST DUE balance of {$830.00} and an OPEN status. This is illegal and in violation of several 15 U.S.C. laws. This collection 's account CLEARLY is in violation of my rights as a Consumer and MUST be deleted from my credit report ASAP. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

100 % proof of violation under federal law ( See attached file )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've d

isputed several times via certified mail. The dates I've disputed are as follows : XXXX XXXX XXXX. No action was taken by the credit bureaus. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF EDXXXX ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Some unknown person or entity has changed my mailing address to theirs and and that new and fraudulent address is showing up on my credit 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 explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
This inquiry is in response to a letter I received from Sequium Asset Solutions , LLC asking for a response by XX/XX/2022. [ Reference XXXX ] On XX/XX/2022 I started receiving calls from this debt collection company alleging that I owe a debt and the company will be attempting to collect the said debt. I do not agree to pay or settle, admit to guilt, and/or any prior knowledge of said debt. I also do not know who gave this company the authority or jurisdiction to contact me, demand, request, or collect a debt from me. This is vey odd because I have never done business with Sequium Asset Solutions , LLC nor given this company permission to contact me. This company is based in another State and I do not have any obligation or signed contract to do business with Sequium Asset Solutions , LLC as an equal or as a consumer. I do classify as an American consumer and know that there are statues in place to protect my rights as a consumer but I'm not highly educated or claim to have mastered all or any legal terms, language, and clauses. However, I am indeed sure that Sequium Asset Solutions is a well known debt collection agency because they stated that multiple times during the call and it is stated in the letter that I received from the company. Some of the language used is confusing and gives me XXXX as a consumer ; It also makes me feel threatened and forced to be obligated or to comply although I do not admit guilt or prior knowledge of any alleged debt. I disputed this debt and collection thereof wholeheartedly and asked that Sequium Asset Solutions , LLC and/or affiliates stop collection immediately on the said debt and any additional amounts alleged to be owed by XXXX XXXX and to Cease and Desist contact by phone immediately. Any correspondence from this date of XX/XX/2022 is requested and can be accepted by U.S. Certified Mail to the address stated in the letter. I also requested all methods of verification, validation, to be thoroughly done. and documented for reference or further inquiry by me, within reason and their legal responsibility in accordance with Fair Debt Collection Practices Act. I have reason to believe this company is unfamiliar with or blatantly ignores FDCPA laws and regulations or practices. I have attached the letter I was sent and highlighted violations including 15USC 1692 b ( 2 ), 15USC 1692 b ( 5 ), 15USC1692C ( A ), 15 USC 1692d ( 2 )

Company response to consumer: Closed with explanation