vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXXXXXX

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 2024-08-12 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: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FinFit Holding Co, LLC
State: FL

Complaint narrative:
Loan is reporting 30+ days delinquent on XXXX credit report. I disputed the information with XXXX and also contacted the creditor for an explanation and solution for the incorrect reporting. The company said it is aware of the issue but was not able to offer a solution or timeline for a fix. In the meantime, my credit is taking a severe negative hit as a result of an account that is current being reported as more than 30 days past due. Below is a copy of chat correspondence with the creditor 's customer service : ======= FinFit says : Hello and thank you for contacting FinFit! My name is XXXX and I am happy to help! So I can better assist you, please provide your full name, last four of social, and date of birth on file for security on your account. Thank you! 

FinFit says : Thank you! How can I help you today? 

says : It looks like " XXXX XXXX '' is reporting my loan as 30+ days late to XXXX XXXX Can you please explain why this is happening and how we can correct it? 

FinFit says : I understand that you have concerns about your credit report not updating. I want to assure you that we are working diligently to get everything set up and caught up now that the migration is complete. We hope to have the reporting updated as soon as possible.

FinFit says : At this time, we do not have an estimated timeline for when this will be completed, but please know that it is a top priority for us.

FinFit says : I do apologize for the inconvenience this is causing, there is an ongoing investigation regarding this issue with XXXX, we are working to have it resolved as soon as possible =======

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I fell behind with payments. XXXX XXXX. An arrangemtwas created. I was told as long as u followed this agreement by the 3rd payment my account would be current. Each month i was contacted about my account being late. Id tell the person on the phone I had already worked things out and that my payment was made. Theyd find it and apologize. 
After my last payment i checked my account. I was shocked to see that even after paying {$190.00}, My card completely maxed out! Then I saw the late fees and other charges. 
Every payment made was on time. And was told id be current with no fees. The balance of my card in the end of that agreement was supposed to be current an no late fees. 
Now after keeping the agreement its left me in more debt than when I started. 
This has left my trust completely broken. The XXXX dollars given to them should have brought down the balance. Instead each month theyd call and id tell them about the supposed agreements. Theyd apologize after " finding it '' and say my payment was recieved and theyd credit the late fee. ALSO they reported me late to credit bureas!!! Prior to all of this i had an immpecable payment history. I had Covid and missed XXXX weeks of work. All my other What they do should be illegal.i want the fees removed and my payments reported to credit bureau with a current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Unauthorized credit usage I was a victim of trafficking, and during this time, my personal information was used without my knowledge or consent to obtain credit. As a result, there are fraudulent accounts and charges under my name that I did not authorize or benefit from. I kindly request your assistance in investigating and addressing these fraudulent activities, and in taking the necessary steps to clear my credit record of these unauthorized accounts. Your support in this matter is crucial as I work to rebuild my life and regain financial stability.

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 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
I owe XXXX XXXX money for a credit card I used and was unable to continue paying in 2023 when I was left without work for about a year. I tried on several occasions to make a payment plan and XXXX XXXX refused it each time and would not accept any installment I tried to make. I was not even asking for a lowered settlement amount. I asked for a lower monthly installment for 12 months while I got back on my feet and then we can establish a different payment plan that suited both parties better. XXXX XXXX refused. onXX/XX/2023 ( I have a copy of the letter date and time stamped ) I wrote XXXX XXXX and asked them to please accept $ XXXX month to start paying off my credit card debit and this time they did not even respond. Now I find out through 3rd party attorneys that are contacting me to let me know that attorney Lloyd & McDaniel file a lawsuit against me without notification or contacting me. This is the actual first time I have ever heard about this attorney. In addition to this, I fianlly call XXXX XXXX today and after XXXX calls they finally go tme the correct phone # for the attorney in question and when I called they said there is no one to answer the calls. it has been like that all day and no one responds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NE

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

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 2024-08-12 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: OH

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: Experian Information Solutions Inc.
State: AL

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 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 2024-08-12 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: FL

Complaint narrative:
I recently reviewed my consumer credit report and noticed I had fraudulent accounts on my report. Please remove these accounts, they are hurting my ability to obtain credit. Thank you.

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 2024-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
Newrez mortgage is not applying payments and reaping the interest benefits. I make bi-monthly payments totaling my full monthly payment via my bank every month. They do not apply the first payment because they do not accept partial payments. They are applying these payments to principal and then harassing me that I haven't made my monthly payment. Since my loan transferred to them they had not been applying any of my payments correctly, and even after talking with rep, I was advised that even they fix the past patment i would have to keep doing this each month. Why is company allowed to mismanage payment. I have even gone through thier online portal to for the issue and all i recieve is a message that they are researching my issue & will get back to me. I never have any other message than this. Every week the message from Newrez is that someone will reach out soon. Now I keep getting calls from them that i am late with my payment. I am not late, they are misapplying payment. It is a deceptive and unfair practice and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: OH

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I was given a Vanilla Gift Card ( XXXX ) with a balance of {$250.00}. I made XXXX transactions, XXXX at XXXX and another at my local XXXX dealer. On the second transaction ( XXXX ) the card was declined and put on-hold. I have receipts for both of these transactions, they are not fraudulent or wrong, and have offered to supply them. 

I contacted Vanilla consumer service, who said they would look into it only if I provided personal information, they are asking for birth date, government ID photos, physical address ( this is a virtual card ), and legal name. I did not have to supply these when I received this card ( as a gift from my employer ), and do not want to share this information with this third party. 

Their system failed to recognize valid charges ( XXXX and XXXX ) and put my gift on hold. They are requiring personal information that I would not like to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
While going through my loan documents with Honda financial on XX/XX/XXXX I learned that employment that I was not current at during the time of application was included. 

I am writing to formally dispute the inclusion of a loan on my credit report that was obtained fraudulently without my knowledge or consent. The loan associated with Honda Financial, was open on XX/XX/XXXX. I was not employed by the company listed on the application, and the information was entirely false. I was never asked nor did I provide any check stubs with that information on it. 

This fraudulently opened loan has negatively impacted my credit score & caused several financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: KS

Complaint narrative:
I am required to pay my homeowner 's insurance through my escrow, per my mortgage agreement. My loan has been sold twice since I purchased my house. I am now with LoanCare. I have always had XXXX ( XXXX ) for homeowner 's insurance, with the same policy number- {$2200.00} was due XXXX. LoanCare took this amount out of my escrow account & Homesite says I owe Payment.

Everytime I call Loancare it is over 10 minutes in robot selections, and my call frequently gets dropped, and that is before I ever get the option to speak to a person. This is abysmal customer service for an agency holding my mortgage. My online inquiries get 1 sentence answers that do not resolve my problems and offer no solutions. 

Homesite goes above and beyond to attempt to remedy the problem, including conferencing in the LoanCare call ( on XX/XX/XXXX, XXXX stayed on the line for 12 minutes while we tried to go through the LoanCare phone menu, only to have the call dropped again ) XX/XX/XXXX When I spoke to both agencies, Loancare says the check cleared and XXXX says they have not received payment. 

XX/XX/XXXX They state they did fax a copy of the cleared check to XXXX, again when I spoke to homesite they said they have not received this. 

I bought secondary homeowners insurance to ensure I stay covered but I am still missing {$2200.00} that was taken out of escrow and Loancare can not locate and Is extremely rude about attempting to remedy.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: MT

Complaint narrative:
Subject : Request for Proof of 1099-C and Removal of Debt from Credit Report.

I am writing to address a matter regarding the debt listed on my credit report under a discover account in my name, which was discharged and subject to a 1099-C issuance. According to the company I received a 1099-C for the aforementioned debt, indicating that it was discharged. I have requested and still yet to receive a copy of the 1099C and the company refused my payment stating it was forgiven. However, despite all this, the debt is still being reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the 1099-C that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its discharged status. Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, I respectfully request that you promptly remove the debt from my credit report. If proof is provided and the debt has been discharged or forgiven as stated I request that it reflect as such with no balance owed on my credit report. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX, and I have not yet received a response.

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 2024-08-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX, and I have not yet received a response.

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 2024-08-12 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: DE

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-12 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I received an email that {$69.00} was added back on XXXX when this was resolved months ago. The transaction that was being disputed was from XXXX on XX/XX/XXXX. This should be refunded completely as I never received the order. I think there is confusion as I made another XXXX order for the same amount on XX/XX/XXXX. The XX/XX/XXXX purchase was received & I returned part of the order with no issue. The XX/XX/XXXX purchase the company refused to refund even though I never received the order & it was found by Goldman Sachs months ago that the dispute was approved in my favor & I would be refunded the full amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief