vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filling this complaint to TRANSUNION for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2023-08-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affecting my life and finances specially from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I do not know who Helvey & Associates are nor have I ever done business with them or been lent any my by this agency for me to owe such debt. AS A CONSUMER, I do not agree with this debt on my report as I never signed anything with such agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: UT

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2023-08-22 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NJ

Complaint narrative:
Statebridge had agreed to a settlement verbally between my realtor the buyer and the loss mitigation agent. Now they are requesting 3times the amount they agreed to. My house is in jeopardy of getting foreclosed on. Statebridge Company has a horrible XXXX  rating and I have read through the complaints via the XXXX  website. They are pulling the same tactics with me now. 

They need to honor their word and commitment so my short sale can close. 

Now I am requesting a QWR RESPA TILA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DISPUTED THIS ACCOUNT FOR INACCURATE ACCOUNT. I GOT LETTERS SAYING THEY BEEN VERIFIED AND UPDATED BUT THE ACCOUNT IS STILL SHOWING THE SAME INACCURACIES. THEY ALSO DID NOT UPDATE THE DISPUTE STATUS ON MY CONSUMER REPORT IT SAY AND SAID ACCOUNT NOT DISPUTED. I DON'T KNOW HOW IF THEY SENT ME A LETTERS BACK AND I DISPUTED THIS ACCOUNT.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I DISPUTED THIS ACCOUNT FOR INACCURATE ACCOUNT. I GOT LETTERS SAYING THEY BEEN VERIFIED AND UPDATED BUT THE ACCOUNT IS STILL SHOWING THE SAME INACCURACIES. THEY ALSO DID NOT UPDATE THE DISPUTE STATUS ON MY CONSUMER REPORT IT SAY AND SAID ACCOUNT NOT DISPUTED. I DON'T KNOW HOW IF THEY SENT ME A LETTERS BACK AND I DISPUTED THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
I notified Planet Home Lending , LLC regarding difficulty making the monthly mortgage payment. My husband and I were out of work for an extended period with no income because of the national COVID-19 pandemic. Planet Home Lending , LLC placed the loan on a forbearance planned and promised that once the forbearance program was over, the loan would be modified into a COVID-19 modification program. The forbearance ended and no COVID-19 modification program was provided. Even after requesting several times and offering to resume monthly mortgage payments. Planet Home Lending , LLC refused to accept our monthly payments and requested we pay several of thousands dollars at once to bring the loan current. We could not provide the insane amount to bring the loan current, so Planet Home Lending set a foreclosure sale date. We attempted to sell our home to avoid foreclosure but Planet Home Lending , LLC canceled the XX/XX/XXXX  sale date to allow the sale to happen ; however, they immediately rescheduled the sale for XX/XX/, while the contract was still valid. Unfortunately, the sale fell through because the home would not appraise for the amount Planet Home Lending , LLC would accept. Now we are faced with another foreclosure sale date of XX/XX/. 

Planet Home Lending , LLC was contacted to inform contract had fallen through and that we now wanted to remain in our home and attempt a modification. We were denied the right to apply stating we are going to turn it down, so don't bother! 

I believe Planet Home Lending , LLC has misled me and my husband and is more interested in foreclosing on our home than helping us to save our home, I believe that Planet Home Lending , LLC is in violation of RESPA and dual-tracking, by preventing us from applying for mortgage assistance, promising assistance, canceling the sale and immediately rescheduling sale for a later date to force another foreclosure auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I invested XXXX dollars between XX/XX/XXXX and XX/XX/XXXX I started investing shortly after. Then my account went under review from what they told me should have taken 7-10 days took closer to 3 months. They froze my money because they could not confirm the legitimacy of my money after I sent them bank statements showing that the card was mine they deactivated my account. Not only can I not call them they took majority of the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: MI

Complaint narrative:
In accordance with the fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX : ACCOUNT # XXXX, has violated my rights. 

I Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car. 

15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.

15 USC 1681 section 602A states I have a right to privacy.

15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-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 non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have had a legal name change a while ago and Ive been trying to get it corrected on my Equifax credit report as its affecting my borrowing power. Ive already reached out and corrected my name with XXXX and XXXX without issues. 

My credit score is significantly lower in Equifax than it is in the other bureaus, and my report hasnt been updated since XXXX. 

Ive tried submitting 3 disputes and Im still waiting.

1st dispute - XX/XX/2023 - online their website shows that its still under investigation, but when I call in the agents say that it was closed due to needing more information. I was not notified by email, or by mail about this. I had to proactively call. 

2nd dispute - XX/XX/2023 - mail I opened a second dispute, this time by certified mail, so I could send my documents so there would be no confusion, but Equifax claims they never received my mail. They lost my sensitive documents. 

3rd dispute - XX/XX/2023 - online This is my third dispute to try and get my name fixed on my report. 

I just want Equifax to fix my name so that any reporting is done against the correct file. Lenders cant find me when they query Equifax with my new name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
on XX/XX/23 I attempted to Venmo my daughter {$500.00}. Instead it went to another contact on my list. I notified Venmo within 10 minutes of my mistake and they refused to stop the transaction. It remained in pending at my bank over 24 hours and they could have reversed the transaction. I have contacted them several times and get the same response. They tell me to deal with it directly with the person that I mistakenly sent money to and request the money back but they have frozen the account it went into so this can not be done. I asked that they transfer the money to my daughters account and they refused that also. I'm at a lose as to how to fix this problem. Venmo has the worse customer service I have ever been involved with. I asked for a supervisor and got the same answer and I think on one occasion I got the person I had been speaking with after a 45 minute hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

This inaccuracy is stopping me for obtaining a good great score to purchase a reliable car for my kids and I. This inaccuracy is stopping me from starting a business in order to become financial free and be there for my kids and attend practices, games, and rehearsals. This inaccuracy is keeping me tied down and having to stay at a 9 to 5 catching a city bus because I am not able to get approve for anything to help my family and I get out the hole we are in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The original creditor is exeter finance which the debt was in the amount of {$10000.00} on a car loan. exeter has reported my debt as a charge off and i never recieve a 1099-c form. After exeter put my debt as a charge off They sent my debt to XXXX management and they are illegally coming after me for a debt that been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: FL

Complaint narrative:
Equifax and XXXX XXXX, Please see attached- this account is showing the wrong balance. Please have corrected as soon as possible as its damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Bright Capital Inc
State: CA

Complaint narrative:
When I opened a XXXX XXXX account I was told I would be eligible to get cash advances after signing up and exposing all of my information I was advised I was not eligible. After 60 days I checked my XXXX XXXX XXXX XXXX checking account and found it to be overdrawn {$160.00}. I called the bank and was advised that XXXX XXXX  had attempted numerous debits for several days in various amounts. The representative offered to waive a few of the fees, but did not offer a stop payment or any other solution. I was told to contact the company that was making the debits as they would continue to do so until they were asked to stop. These debits resulted in {$320.00} in overdraft fees. That the bank has not waived I have attempted to reach out to XXXX XXXX in order to resolve this numerous methods the 800 number which does not work and through email which I have received numerous standard response emails and have tried to submit complaints through the app with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Mortgage companies were able to access my info when a hard inquiry was pulled from my credit. Rocket mortgage was the absolute worst in customer service, they not only called me repeatedly, but they asked my lender for a payoff amount that I never gave them permission to pursue. I told them specifically I did not want to refinance my great rate, and I only wanted to apply for a HELOC. They specifically went against what I asked and contacted my Lender anyways. There should be laws against this. It's completely unprofessional the way they communicate and how they speak on the phone to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: VW Credit
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15.USC.1681 section 602A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15.USC.6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution by definition under that title. 15.USC.1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.15.USC.6802. ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to an affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX never informed me of my right to exercise my non disclosure option. Not only that 15.USC.1681.C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 dates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code1681s2 ( A ) ( 1 ) A states " 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.15 U.S.Code1681 estates " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681B of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12CFR1016.7 states that " A consumer may exercise the right to opt out at anytime. 
" I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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:
I am filling this complaint to EXPERIAN for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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