vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 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:
I did not authorize or applied for credit with this company. So a hard inquiry is on my credit report. Disputed with Transunion with no results or removal. Also contacted XXXX XXXXXXXX XXXX, and they claimed they didn't have any knowledge and would not fix it. I am requesting removal of this company from my credit report for fraudulent activities. 

Thank You very much for your help with this matter. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, sent a letter on XX/XX/2022 regarding inaccurate on my credit report to this day over 60 days later. I have not received any feedback from you. I feel like I am being taken advantage of and being ignored regarding my disputes. Under Section 611 ( a ), it is purely stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days already and so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2022-07-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, sent a letter on XX/XX/2022 regarding inaccurate on my credit report to this day over 60 days later. I have not received any feedback from you. I feel like I am being taken advantage of and being ignored regarding my disputes. Under Section 611 ( a ), it is purely stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days already and so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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:
PLEASE HELP! Experian and XXXX is ruining my financial reputation.Experian and XXXX continues to be in cahoots together to bring harm to my reputation. Not only did XXXX sell my nonpublic information to Experian without my consent. Experian continues to report these errors on my consumer file without my consent. I have provide Experian with several correspondence they provide proof that this is an error. Experian act as if I am arm asking them is this an error. A consumer is the only one that can say what's on their file is an error which I have and provide proof. Experian has stated on their website that the third party vendor they use to verify Bankruptcy is XXXX. XXXX stated that they complain does not belong to them because they removed it. Please view attachment of once XXXX verify the accuracy of the XXXX XXXX CT GA XXXX and then after filing a FTC against them they since removed it. I have asked Experian to provide me with the name and the number of the person that they spoke with a XXXX and to no avail have they done so. Experian has a duty to report with fairness and accuracy. How has Experian been fair when they continually only speak with the furnisher. Also what furnishing of information is Experian using to verify the accuracy if the third party that they use no longer house the information.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
These are inquiries I do not recognize and i have asked for them to be removed several times and in accordance with the Fair Credit act this violates my civil rights. 

XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
XXXX had put a thing on my credit report saying I owed XXXX so I disputed it and told XXXX to show proof I owed the bill or remove it they removed it but then another company EOS CCA put it back on so I told them I want proof of the debt or remove they told experience it's a valid debt but won't send me proof of a bill or anything else saying it is avaliable debt or if the amount is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I obtained a first mortgage from Truist Bank on an owner-occupied residence. 
I was required to open a Truist checking and savings account to receive a preferred rate on the mortgage, even though I did not bank with Truist at the time of origination. 
After making the first payment, I set up an automatic payment authorization. 
When the first payment in XX/XX/2022 following setting up the authorization was due I received a notice that there was not sufficient funds in the checking account. I transferred funds to the account from a savings account and the balance was shown as being paid. 
I received a notice my automatic payment authorization was withdrawn for the XXXX payment. I went online to pay the mortgage and found my online payment options had been XXXX. I called a customer service representative who would not take an authorization to transfer funds over the phone ( even though they could access my account information and confirmed my identification ). 
I spoke to the loan origination closer I worked with and was informed the XXXX payment was not made. I had to go to a branch and was informed the XXXX payment was made, similar to what I had seen on the system but contradicting the information from the loan closing professional. 
I have found that the mortgage was reported as delinquent to credit bureaus resulting in a significant decline in my credit score, even though Truist reported it as current. I find it odd that there is confusion around the payment status, that the bank actively limited my ability to pay the loan conveniently. I feel my credit score has been damaged unnecessarily by this incident.

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 2022-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
See Attachments They are in violation of 15 U.S. Code 1692d

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX OF XXXX Account # XXXX USDOE/XXXX  Account # XXXX DPT EDXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A. Section 2 : It also states 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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This account had been delinquent since about XXXX years ago, it may have been on my credit report back than, yet it reappear on my credit report as a current account but deferred and being paid as agreed. I have no communication or agreement to make my account current or pay. All what was reported is false. I believe the reinserted account shouldnt be on my credit report. The XXXX-year credit report limit begins on the date the debt became delinquent with the original creditor. I want the credit agency to remove the information from my credit history and to request the reporting collection agency how in the first place it becomes current, after XXXX years.

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 2022-07-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR

Complaint narrative:
An old debt that has been delinquent for the last XXXX years illegally and illegitimately reappear on my credit report as a current, deferred and being paid as agreed. I have not communicated or made agreement to make this account current or pay it. It may have been acquired by a debt buyer or collection agency that then reports the debt even though it's more than seven years old. This is past the statute of limitations, meaning its too old to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian continuously reports inaccurate information I have updated my legal name with Experian and Experian is reporting only my former name and various accounts that do not belong to me under my former name when I try to dispute information such as wrong name and various accounts that do not belong to me I get a message saying I have to dispute this information with XXXX  I am then forwarded to XXXX 's webpage that does not show any of the information that Experian has on my credit report Experian has taken all accurate information off of my credit report in the past I have shown Experian my identification and social security card Experian also continues to report inaccurate third party information to 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 2022-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My lender ( Chase bank ) does not refund money, which is deducted wrongfully from escrow account. 

I paid my property tax by myself, {$7500.00}, on XX/XX/2011. 
( refer to XXXX ) Then, my lender ( Chase bank ) also deducted {$7500.00} on XX/XX/2011 for the same property tax payment from my escrow account. 
( refer to XXXX XXXX ( ... XXXX ) - chase.com_activity.pdf ) So, I asked the county about the duplicate payment but the county replied that it never received the payment from the lender. 
( refer to XXXX - XXXX the tax was paid twice ( parcel XXXX ) I have contacted the lender multiple times for the incident and requested refund for the missing check/payment because the county did not received it. However, the lender kept opening cases whenever I called and made me wait weeks after weeks. I escalated the issue and requested a talk with a supervisor but he/she did not call back. The money has not been refunded yet after XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: CO

Complaint narrative:
I previously disputed XXXX  XXXX from reporting inaccurate information several times each time Equifax updated the creditors inaccurate information Equifax removed all of XXXX  XXXX 's reporting information when the creditor should have been removed all together XXXX  XXXX is reporting as a open account when this is not true Equifax is reporting XXXX XXXX inaccurately and refuses to removed this information XXXX XXXX is reporting different amounts to all 3 of my credit reports Equifax is refusing to let me re-dispute creditor XXXX from reporting inaccurate reporting information I have not consented to Equifax XXXX or XXXX  to share any of my information to help creditors report inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX / # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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 2022-07-09 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: DISCOVER BANK
State: IN

Complaint narrative:
See Attachments Sent Certified mail XXXX They are in violation of 15 U.S. Code 1692g ( b ) 15 U.S. Code 1691 ( a ) ( 3 )! 5 U.S. Code 1691 ( d ) ( 6 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I sent correspondence to Bank of America on XX/XX/XXXX in regards to mishandling of Modification Application XX/XX/XXXX and duplicate/reversal payments reflecting from payment history for the period of XX/XX/XXXX - XX/XX/XXXX. 

Bank of America Rep XXXX XXXX ( XXXX XXXX ) responded to my complaint but did not come to the resolution expected. She could not provide an explanation as to why Bank of America took 18 months to complete the Modification application ( XX/XX/XXXX - XX/XX/XXXX ) and why I never was never approved for the HARP or HAMP program. XXXX XXXX did not provide proof of the duplicate or reversal payments, she stated these payments were probably due to return payments and could not show any documentation of returned payments. I explained I never submitted bad mortgage payments and verification is needed to back up her accusation. I never received copies of return payments. 

It is clear that Bank of America will not accept the negligent action of working with NACA to fraud me in the Modification process by prolonging the time it took to complete a Modification plan ( 18 months ). I will continue to work with legal representation to get a resolution. 

I am asking Bank of America to refund me for duplicate and reversal payments from the period of XX/XX/XXXX - XX/XX/XXXX in the amount of {$16000.00} due to non-documentation of return payments. 


Duplicate Payment for Months : XX/XX/XXXX - {$1100.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid three times XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) XX/XX/XXXX - {$1200.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX - {$1200.00} ( XX/XX/XXXX was paid XX/XX/XXXX and XX/XX/XXXX ) Total : {$9000.00} XXXX - Reversal Payments : ( XXXX ) - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) - XX/XX/XXXX ( XXXX Sheet Provided reflecting Bank of America Statement ) Total : {$16000.00}

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 2022-07-09 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: LA

Complaint narrative:
So I sent a letter off on XX/XX/2022 and her is my tracking number XXXX through USPS and was delivered on XX/XX/2022 at XXXX. According to the Fair Credit Reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not to supposed to share my information to third party people.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, my credit score is dropping suddenly without any reasons! Ive pay my credit card on time and set up automatic payments! They have never mentioned that why my score is dropping!

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 2022-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I paid this Debt XXXX XXXX in the amount of {$50.00} abs the customer representative says they will remove the debt from my credit and they have not

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 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Mobile Deposit check on XX/XX/2022 wells fargo put a hold on it until XX/XX/2022 made scheduled payments for bills to come out. I noticed on XX/XX/XXXX funds were not in my account called the bank they transferred me to the loss prevention department they told me that the check could not be verified and is now being held for fraud that was reason one. I got disconnected called back was told a different reason this time that unusual activity was coming from the issuers bank account. So at this point the person who wrote me the check ( girlfriend ) called her bank and was told that the money was withdrew from her account two days before XX/XX/2022 and that wells fargo does not know what they are doing. I then called wells fargo on XX/XX/2022 and they told me absolutely something different after telling them we verified with the issuers bank they responded with ( not going to release it until the new extension date XX/XX/2022 ) i asked why again i have bills to pay they said because we believe your trying to cash a check fraudulently. I went down to the local branch with the issuer showed the branch manager and they were at loss of words and didnt know how to help me. I am fully exhausted with this bank and now im going to have my bills late and occur late fees and items will show late on my credit report all because wells fargo messed up there way the hold deposits and lying about it ....

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