vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On XX/XX/2020 Quicken Loans called me and started asking a line of questions in regards to my property and what I think the current market value of my home is worth. 

They did NOT inform me that I was speaking to a licensed loan officer XXXXXXXX XXXX XXXX nor did they imply in any way I was answering questions for any application. 

They were simply asking me questions about my current mortgage and going over my property value and current interest rates, and they told me that they needed to ask me for my personal information for security reasons. 

I absolutely DID NOT, in any way shape or form give them permission to pull my credit. 
I did not ask them the refinance my home. I did not ask them to see if I qualify. 

XXXX XXXX  from Quicken Loans pulled my credit without my permission and did not inform me that she was doing so on the call. 

Then I spoke to her associate XXXX XXXX from quicken Loans right afterwards about the situation and told her what happened and she assured me that they would remove the inquiry. 

She requested that I send them a written request for the inquiry to be removed, and I sent them a letter via email. 

They did not comply and the inquiry remains on my report till this day. I would like this inquiry removed from my report immediately. 


a. Date of Inquiry ( XX/XX/2020 ) b. Company name on the inquiry ( Quicken Loans/ XXXX XXXX  ) c. Request to delete the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2020 : I sent letter to the Experian, XXXX XXXX XXXX asking them to verify the Bankruptcy and up until now, I never received any correspondence from them. I sent them a letter monthly for follow-up for several times but I haven't received anything from them nor a validation. 
XX/XX/2020 : I sent letter to XXXX XXXX to verify the Bankruptcy that has been appearing on my credit report. 
XX/XX/2020 : XXXX XXXX Responded to the letter stating that the record has been deleted because they were unable to verify the accuracy and on XX/XX/2020, I forwarded the correspondence from XXXX XXXX to the aforementioned 3 major Bureaus requesting them to reinvestigate. Now, I have not received any response from them. Please help me on this.

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 2021-02-03 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: NJ

Complaint narrative:
It has been over 45 days, and I have not been notified or updated of the status or results of my investigation.

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 2021-02-03 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: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : 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. My current address is XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2021-02-03 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: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX NA # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NA # XXXX, XXXX XXXX XXXX  NA # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding innacurate and unknown thing on my credit report to the 3 bureaus, XXXX Equifax, XXXX To this day over 45 days later I have not received a response yet. Section 611 ( a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report that was inaccurate and unknown that I was disputing. It has passed the legal limit stated by section 611 ( a ) so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I noticed a credit card opened and closed in my name on my credit report. I have disputed this with XXXX  XX/XX/XXXX and on XX/XX/XXXX they said it was accurate and left it on my credit score. The company involved I can not contact because I do not have an account with them. Every time I try and call the automated system they ask for information that I do not have because it's not my account. It is a small charge but hurting my credit score. The account was unpaid but because I didn't set it up I never received any calls, emails, or letters letting me know it was delinquent. I would like this account removed please. The company involved is SYNCB/PPC, the account number on the report is XXXX. 
The account was opened on XX/XX/XXXX and closed XX/XX/XXXX according to XXXX. The account was " charged off ''. There number is XXXX. Appreciate any help you can give on this. 

Best, 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 2021-02-03 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
FOR THE 30TH TIME, NOT MY 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 explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: WA

Complaint narrative:
I provided a copy of a motorized affidavit regarding identity theft to Rent Debt Automated Collections as per their letter. I have circled in yellow what they asked me to which was to provide ONE of the described items which I did. Please see attached letter from Rent Debt circled in this complaint. Also you will find a copy of Rent Debts response to the CFPB saying I provided an incomplete identity theft package. This is a lie. If you read their letter I complied with the request. Rent Debt is frequently sued for unlawful debt collections. This is an identity theft case snd I provided an original notarized affidavit at their request on their letter. I am also providing a copy of one of a series of letters sent to them disputing this debt. I am also attaching an identity theft case number filed with FTC.gov regarding identity theft. I am not providing my social security card or my license to a debt collector. This is not my item and I complied with the letter sent to me by Rent Debt as you can see by the cut led part of their letter. They misrepresented their response to the CFPB. This is identity theft snd thus must be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There was a check fraud of unauthorized transaction of XXXX dollars Transaction occurred on XX/XX/2020. 

I noticed it on my account about a week after it happened.. 

I have notified my bank, Schools First Credit Union, within 14 days. ( this number is accurate, as I remember notifying before 14 days. 

They told me I have to fill out a check fraud report unless I don't get cover this money .... 

Due to heavy volume schedule at work, I didn't find the time to visit the bank.. 

They told me I can't get my XXXX dollars because I came in too late ... 

I have reported the fraud within less than 14 days after it happened ... 

Not even near the 60 days of not reporting of this case ... 

Could you please help me with this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: GA

Complaint narrative:
EQUIFAX REFUSE TO INVESTIGATE MY DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group
State: CA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Ascendium Education Solutions ( Group ). A consumer transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patients ' authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

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 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Hi, I have reach-out XXXX XXXX since XXXX. I have sent letters asking to show a contract with them with my wet-ink signature. They refuse to acknowledge. I recently sent an affidavit of notice dispute the debt received on XX/XX/XXXX. Tracking number is XXXX. They did not answer. An Non-respond affidavit in commerce is accept the complaint as true. Receipt of this AFFIDAVIT OF TRUTH & FACT requires a response as stipulated above, acquiescence will be your answer to all below statements if respondents fail or refuse to provide a written response in the form of a rebuttal Affidavit. Acquiescence means A persons tacit or passive acceptance ; implied consent to an act. Review Morris vs. NCR, 44 SW2d 433 which states : An Affidavit if not contested in a timely manner is considered undisputed facts as a matter of law. Also, review U.S. vs. Pruden, 424 F.2d 1021 ( XXXX ) which states : Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. XXXX XXXX did not rebuttal any point-to-point answer with their own affidavit. I also filed a postmaster criminal complaint under title code 18 U.S.C ss 1342 fictitious name and address and title 18 U.S.C. ss 1341 Fraud and swindling. XXXX XXXX only sent a general letter that does not address any of my complaints or any proof of a sign contract. Under the Law, there must be a signed contract for them to collect a debt. WHERE IS THE CONTRACT SIGNED BY ME. SHOW ME THE PROOF? I finally filed a U.C.C. 1 financial statement with the ILLINOIS SECRETARY OF STATE placing a lien on my estate claim the name. I also filed with the ILLINOIS SECRETARY OF STATE COMMON LAW TRADEMARK AND COPY RIGHT NOTICE. The Illinois has accepted the filing and the lien number is XXXX and XXXX. XXXX XXXX will have to a do a U.C.C Lien search to get confirmation. ILL and certified the lien on XXXX time 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 2021-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Incident Date : XX/XX/21 @ XXXX XXXX 
Location : Advance Financial 24/7 Phone # - XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have an open Flex loan with the company Advance Financial 24/7. My father was going to help me pay the balance off for this loan. Due to the insanely high predatory interest rate of 279 %, I was unable to keep up with the payments. We had an agreement made among us that I was going to pay him back in installments. We tried to pay the balance off over the phone on XXXX but for some reason were unsuccessful, and was instructed to go to the financial institution in person to make the arrangement. Due to a scheduling conflict, my father drove to the XXXX Branch to pay off the balance. I was told by the corporate office department on the XXXX that my father would absolutely be able to make a payment, but they would obviously not disclose or discuss the account with him, or even give him a receipt- that would just be emailed over to me. Once my father arrived they told him I would have to call Corp office to make a note on the account to give my father permission to be able to make a payment on my behalf. I did contact their office and advised to please make a note to allow my dad to make a payment on this loan. Not only did they discuss my account with my father, they printed out a detailed transaction summary ( with all the cash advances, dates, amounts ) and also provided him with a detailed receipt detailing the information about the loan. I have the printed out documents that were given to my father and will attach them to this summary. They clearly violated my privacy and divulged my personal information to an unauthorized party who is not on the loan in any capacity. Again he is not on the account. This is clearly in violation of the law. The amount of stress and mental anguish this created between my father and me has left an everlasting mark. I am already struggling financially and on top of this unnecessary burden is causing me even more mental anxiety. I immediately contacted the customer service # and explained the situation, and on the recorded line every representative I spoke with agree that they should NOT have discussed my account information with my father. I was told I was going to get a call from the area manager, I never received a callback. I spoke with XXXX XXXX office # XXXX and he even agreed that they violated company policy and that this should not never have happened. I have yet to receive any correspondence from any upper management, they did not provide me any contact information for any upper management. My privacy was violated and the best they could do was " I will send an email and someone will call you back. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
During a very difficult time, Amex collections habits were relentless and ruthless. They called my employer more than 4 times daily from their Arizona hub. They shared with my mother my personal information, and shes not even on my account. They also shared information with my brother. It was humiliating and degrading. It had gotten so bad at work that it annoyed my co-workers and boss - I was sent home for a few days as they were attacking our companies main line. I have proof of all contact, even after telling them repeatedly not to call me at work. They would call me everywhere but my own personal line - Im assuming as a scare tactic. It was more like bullying. So aside from my credit being completely ruined after explaining to them the situation and still sending them funding even through COVID. They still continue to mark me late monthly on my credit report. No empathy or assistance whatsoever just harassment after several years of timely payments and multiple accounts. The only company that would not work with my DMP, but arrange payments with them anyway. The reps are extremely robotic, and sometimes difficult to understand. Im paying a large amount per month, and still being reported. I was even charged late fees by Amex after being sent to collections - with payments going their way. The debt on each card is $ XXXX. I pay over {$300.00} on one card now and almost {$200.00} a month on another regardless of my situation. Still not good enough. Its honestly discouraging - and Im doing everything on my part. Complete failure on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
We continue to need to know why Dovenmuehle has listed a second mortgage against our account, with an additional {$2800.00}. Additionally, we have verified that only two months of payment were missed ( for a total of {$2900.00} ), for last XXXX and XXXX of 2020 due to COVID 19 and the restricted employment of my husband. All normal payments were resumed in XXXX. We have a letter from Dovenmuehle stating that the terms of the deferment were for those two missed months to be rolled into the end of the loan with no additional interest charged. 

We have been trying to resolve this issue since XXXX of 2020. We then began to try to refinance our loan in XXXX of 2020. Initially, we were told there was a hold on our account to where XXXX XXXX could not make the payoff. Then, during this last month, we have been told that XXXX XXXX can not make the payoff due to two mortgages being listed.

Company response to consumer: Closed with explanation