vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT According to a certified mail receipt, the credit bureaus received my dispute regarding all accounts relating to XXXX XXXX on XX/XX/year>. I sent an affidavit to XXXX XXXX explaining the inaccuracies listed on my credit report as well as duplicate accounts. These concerns raised questions around the reliability and validity of the information reported by this company, so I requested validation of all debts associated with XXXX  XXXX. These debts included : XXXX XXXX, ACCOUNT NUMBER : XXXX ( duplicate account ) XXXX XXXXXXXX, ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, ACCOUNT BEGINNING IN : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ( duplicate account ) On XX/XX/year>, I noticed XXXX XXXX XXXXXXXX credit card accounts removed from my credit. On XX/XX/year>, I received an email directly from the company stating they received my dispute regarding the auto loan. No mention of the XXXX XXXXXXXX credit cards listed in the dispute. My Experian dispute center does not show a dispute reported for the credit cards which were removed and my XXXX results returned stating disputed items not currently reporting on your file. '' However, they were REMOVED from my credit file. In addition to that, the XXXX XXXX XXXX collection was the duplicate I was referencing which is still on my account. Then a collection under the furnisheXXXX XXXX XXXX was then added to my account once these credit cards were removed. Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of these account due to inconsistency in account information amongst the reports. Which was not validated, resulting in the removal and further confirmation that the furnisher understood the FCRA violation. Also, under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S. Code 1681s2 ) both the bureaus and the creditors have an obligation to report disputes accurately. That was not done in this case resulting in another violation of FCRA and showing the companies lack of due diligence in credit reporting.

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 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Every year our XXXX bids out our insurance. I have received several conflicting instructions for sending the policy to the mortgage servicing Company [ Shellpoint, a division of NewRez ]. This year I've sent the policy several times, and yet the servicing Company has radically increased our payment because of lender placed insurance. This has happened several times in past years. I have and continue to receive many collection calls asking for payments that include the lender placed insurance, and I have explained on multiple occasions that the payment amount includes lender placed insurance that I will not pay for. I was told on several occasions that they are going to remove the lender placed insurance, credit my account, and recalculate my loan based on this information, and that they are including these facts in their notes and filing a complaint on my behalf. Our monthly payment amount remains grossly inflated. When they call I ask them if they are familiar with my case or if they are just calling cold without knowing anything about this discrepancy, they always say are just calling to collect a debt and they are not familiar with my disagreement. Sometimes they offer to transfer my call, but I've given up explaining the same thing over and over. At that point I terminate the call because I can not afford to spend any more time repeatedly explaining their error. 

All my payments are made automatically for the same amount. I've been told they are not applying my payments to my balance and are instead applying them to a suspense account because they are for the wrong amount. They once offered to mail me a check and I refused, stating that any and all refunds must be refunded to the source they were paid from using the same payment method. This debacle has cost me many hours of my time, which has had a negative impact on my ability to earn income. 

They have also made it confusing to access my account as they have multiple Companies and multiple websites. If they had credited the lender placed insurance, my payments would have been for the right amount or close to the right amount. That has not happened, and they are asking for over XXXX XXXX dollars more than I have been paying automatically every month. As a result of this error, my credit score has been negatively impacted. In my opinion, the mortgage servicing Company is liable for the damage to my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX is XXXX XXXX XXXX XXXX XXXX XXXX line. I get 30 calls in a 3 day span asking for different names. I have asked multiple times for them to remove the number as it is a business and none of these people work for the university. Then, the number of calls increases. It is maddening that I can not answer my phone because of these nuisance calls. If there are this many fraudulent accounts with Discover then maybe they should not be a credit card company. I need this number removed as it is disrupting my work in the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was traveling overseas and needed to wire money to another bank and had called up Citibank many times before clearing this transaction, and all the phone representatives had assured me that it was possible. 

When the transaction occurred, Citi held onto my money and canceled my online account. Their fraud system doesn't make sense, they couldn't verify my phone number even though I have used the same number for 9 years. I was on the phone with a different representative 5 times providing my verification but none of them resolved the issue. This severely impacted my ability to wire the money in the schedule I needed. As a result of this I had to cancel my overseas trip and cut my trip short in hopes of dealing with this in person. When I visited the branch they were unable to resolve my online issues. 

I am extremely unhappy with the checks and balances and the fraud system used my citi online and it severely impacted my ability to access my funds. The verification process is broken and the phone support is insufficient and inconsistent for online banking.

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 2024-06-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

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

Company 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: SC

Complaint narrative:
For almost a year, my monthly mortgage payment was {$1500.00}. However, the new payment they are asking for is {$1900.00} a month. I am on a fixed income and I told them that I can't afford it. They transferred me to the loan origination department, but no one answered and I had to leave a message. No one has gotten back to me yet, and they keep saying that my escrow is low. I fell behind on my payments after my XXXX XXXX death, and I had an agency help me catch up on my payments, including my escrow account. I also had to do some work on the house. They wanted to keep the check and said that I was still behind on my escrow, which I don't understand since the agency caught up on everything. My mortgage payment went up from {$1500.00} to {$1900.00} because of escrow payments and insurance. I am a veteran and am tax-exempt. The only thing I pay for is staying close to the XXXX XXXX, and I have XXXX elementary schools close to me. 
date XX/XX/XXXX when the agency caught on my late payments XX/XX/XXXX got the check from my insurance company to repair the XXXX unit they wanted to keep the check because of escrow XX/XX/XXXX talk about the increase in monthly payment the loan company is BSI financial company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX This account was charged off on XX/XX/year>. Since then the account has repeatedly updated as charged off every month. This is an update in the payment history. A charge off account should not include inactive payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this properly after I asked to have this removed TWICE. This neglect has violated my rights. I am demanding DELETION of this account : XXXX XXXX account number XXXX Their are different account balance amounts, different account open dates, repeatedly reporting charges and inaccurate dates of last payment.

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 2024-06-26 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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

Company 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 2024-06-26 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: NV

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-26 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 was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am demanding the following item be investigated under FCRA 15 USC 1681i7. These items are reporting as late and this is false. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  XXXX. 

Also I have never received any of the information required in 15 USC 1637b as it relates to 15 USC 1666b. I am expecting a response in 15 days per 15 USC 1681i7 : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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