vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: MS

Complaint narrative:
Fraudulent accounts reporting on my TransUnion XXXX XXXX XXXX credit reports. 

TransUnion XXXX XXXX XXXX {$9700.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$46000.00} XXXX XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXXXX/XX/XXXX {$5100.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX  XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX  XXXX  XX/XX/XXXX {$9700.00} XXXX XXXX XXXXXX/XX/XXXX {$1200.00} XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Bank # XXXX XX/XX/XXXX {$390.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$46000.00} XXXX Bank # XXXX XX/XX/XXXX. {$5100.00} XXXX Bank # XXXX XX/XX/XXXX {$8000.00} XXXX XXXX  # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$1600.00} Inquiry XXXX XXXX XX/XX/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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: DE

Complaint narrative:
I am XXXX XXXX XXXX, with the help of my wife of 10 years, we have been getting removed incorrect reporting pertaining to MY ( XXXX ), prior mortgage that went through and was XXXX  two years ago ( XXXX ), as a XXXX bankruptcy. We are uploading the information now and ask that ALL mortgage lenders acknowledge the correct information as it is. Core logic, Credco is one of the main credit reporting agencies that is not reporting the already corrected information pertaining to my ( my wife, XXXX XXXX XXXX ), was not or ever on the Mortgage Note, or Account. Thank you for expediting this issue that is keeping me in harms way and causing potential homelessness as my rental lease is up in a few months and I need to purchase a home now. Best Regards, 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 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: AP

Complaint narrative:
Complaint is against Sequium Asset Solutions. 

XXXX XXXX XXXX continued to charge me for an account I did not intentionally open. On multiple occasions I attempted to cancel the account and refund charges. The account was closed and refunds discharged in XX/XX/2021. On or about XX/XX/XXXX a new charge for {$330.00} appeared on the account even though it was closed. I was unaware of this charge and later unaware that it was referred to collections because I suspended all service with XXXX XXXX XXXX due to military service. 

When I emailed Sequium to contest the debt in accordance with their notice ( which I eventually obtained via mail forwarding ) I received no response. I contacted them 3 times, once via their online system and twice by phone. I was told on the phone that they would address my contest of the debt with XXXX XXXX XXXX. 

After finally making headway with XXXX XXXX XXXX whose support team determined the charges were incorrect I was able to have the amount due cancelled. The debt is effectively resolved. 

But.. prior to this I received an email with a from line of XXXX XXXX XXXX Mobility but was emailed from XXXX as a reply to my request to contest the debt that read " Thank you for reaching out to us about your account. Attached is your final bill of {$330.00} which also includes detailed balance information. You may visit www.sequium.com to make a payment using your debit/credit card or checking account. Please feel free to reach out to us if you need additional payment options. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. '' It is clear that Sequium repeatedly willfully ignored my requests to contest the debt, failed to communicate properly with the status of my contest of the debt, demanded payment instead of respo ding to my contest, and possibly failed to allow me to contest it at all ( because rhey did not communicate confirmation or status ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: IL

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 three 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 non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
Fay Servicing services my mortgage, which includes monthly escrow payments. Fay failed to pay my insurance bill when due on XX/XX/XXXX, and I only found out about this as I was doing a routine check on my insurance coverage. My policy expired on XX/XX/XXXX and is currently in its grace period through XX/XX/XXXX. 

I then contacted them the week of XXXX regarding their failure to pay my insurance and uploaded a copy of the invoice and policy to their site, as requested. They still failed to pay the invoice, instead sending a letter regarding force placed insurance. So, I contacted them again on XX/XX/XXXX and emailed the same info to one of their customer service reps who informed me that he would make sure it was addressed. After following up multiple times on XX/XX/XXXX and XX/XX/XXXX, I was finally advised that payment was made. However, to date ( XX/XX/XXXX ), XXXX XXXX still has not received any such payments, so I paid the bill myself on XX/XX/XXXX to avoid a gap in coverage. 

Due to Fay 's incredibly poor servicing practices, I nearly lost coverage on my property, causing both exposure to me and the actual lender. Fay 's failure to pay the XXXX XXXX invoice out of escrow proceeds and then attempting to force place insurance on me is wholly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: NY

Complaint narrative:
XXXX XXXX XXXX ACCOUNT # XXXX This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ).

It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ).

You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately

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 2022-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
They said amount is XXXX for a service on XX/XX/2020. I need proof this is me and they never sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX  ( XXXX ) Amount {$1600.00}, XXXX XXXX ( XXXX ) Amount {$3900.00}, XXXX XXXX ( XXXX ) Amount {$1200.00}, XXXX XXXX XXXX XXXX ) Amount {$960.00}, XXXX XXXX XXXX XXXX ( XXXX ) Amount {$3000.00}, XXXX ( XXXX ) Amount {$2100.00} has violated my rights. The above accounts were previously disputed XX/XX/2022 and have not been deleted from my credit report.

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 2022-06-24 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX ( XXXX ) Amount {$1600.00}, XXXX XXXX ( XXXX ) Amount {$3900.00}, XXXX XXXX ( XXXX ) Amount {$1200.00}, XXXX XXXX XXXX XXXX ) Amount {$960.00}, XXXX XXXX XXXX XXXX ( XXXX ) Amount {$3000.00}, XXXX ( XXXX ) Amount {$2100.00} has violated my rights. The above accounts were previously disputed XX/XX/2022 and have not been deleted from my credit report.

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 2022-06-24 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX 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 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I brought XXXX XXXX XXXX  Prepaid Visa Gift Card for my sister on her birthday in the amount of {$250.00} on XX/XX/2022 at XXXX EST. I attempted 3 times to make an online purchase with XXXXXXXX  for XXXX $ and the card declined all 3 times. So we decided to call customer support number on the back of the card only to find out the reason the card declined was because the card was compromised! The representative immediately admitted that the card was compromised and stated in order for me to dispute the transaction is to wait 7 business days for the transaction to post. I was so angry and confused at the same time! How XXXX did y'all let this happened??? Why do I have to wait 7 business days to dispute a transaction that was not made by me?? The card was hacked and used in XXXX XXXX New York while still in my possession in XXXX I spoke with about 11 representatives from XXXX XXXXIncomm and every single last one of them were useless! Oh & was hung up on by 3 of them named XXXX, XXXX and XXXX! Too be honest with you I'm starting to feel it's the people from the company hacking the cards. But I also spoken with someone named XXXX whom was very helpful and he did inform me once the transaction post to the card they will investigate, dispute then I will have to fill out a dispute form then send it back to them. He also mentioned a replacement card will be send out which I declined immediately. WHY WOULD I WANT A REPLACEMENT CARD, only to get hacked again? I do not want a replacement card send me a check instead & I do not understand why I have to wait at all for the transaction to post either, this burden is on y'all not me! So send me my check now! You would think XXXX XXXX the CEO, Founder and President of Incomm make more then enough to hire a tight security to protect the customers and users account information! Moiving forward I will never buy another gift card and I will be complaining to the XXXX  & my Attorney of General for Pennsylvania & Georgia! I will be contacting the bank affiliate XXXX XXXX as well along with XXXX, XXXX XXXX XXXX XXXX and the other 14 companies the cards can be brought at to warn them as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: EQUIFAX, INC.
State: NJ

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 719XXXXXXXX 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 three 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: NJ

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 three 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 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
They sent me a check for overage in escrow of {$250.00} and wanted to increase my loan payment XXXX plus increase my interest {$3.00} plus on my mortgage payment. I voided out the overage check and sent it back to them along with and addition {$71.00}. for escrow and the supportively the shortages they created and mailed them to them. They are now saying I have to pay the increase because if I don't they will not credit my mortgage and I will be in default of the mortgage. Mortgages in the past I have always paid up front supportive shortages and the payment and interest stays the same. They now have an addition {$71.00} in supportively shortage and the check I voided and mailed back to them. When I asked to speak to the escrow department They said they didn't have one and if I did not pay the increase of {$1200.00} from {$1200.00}. The reason I pay my supposed shortage is so that my mortgage payment does not increase whereas I am retired and live on a fix income and I do not want to pay addition interest when I can pay it all up front.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
We moved into XXXX XXXX back in XX/XX/2008. We had to put down at least 2 months rent for Security Deposit which went into an Escrow Account. My mother passed away last year and they tried to say she was the only one listed on the apartment which I proved otherwise. This year I received our Escrow account from TD Bank which is holding the money. It appears that they redid the account taking most of the money and only leaving {$1100.00} in the account which we lived here for 14 years also the Interest is extremely low with an earning of XXXX for a few months. I tried to contact the XXXX XXXX office but they refused to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Portfolio Recovery Associates, LLC
State: MI

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

15 U.S.C. 1681 Section 602 A. states I have a 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation