vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SD

Complaint narrative:
In XXXX I received a letter from Caine & Weiner in regard to a debt they say I owe. I sent a dispute letter to validate, to cease and desist, I requested documents and also proof if they can even legally collect in my state. If this is a debt collector, by law I would have had to be given some notice before they were able to obtain. The were even illegally reporting on my credit report, before even sending me anything about a debt, which is illegal. I have not gotten any response, however they called me today at XXXX XXXX, which that violates the cease and desist order. It has been longer than 30 days with no response. in accordance with FDCPA they have made violations, and I am entitled monetary remedies, and I would like to collect. They have also sent me emails, during this time that i have been waiting for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I called after being homeless during covid 19 and getting back on my feet they said if I paid in full they would remove from credit as this has destroyed my ability to move forward so i paid teo months ago waited, disputed paid in full sent them email they said they didn't care what it said they got their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
We were notified that our mortgage had been sold to Rushmore Servicing ( Mr. Cooper ) in late XXXX We then received a letter from them that their data was breached. We received a escrow analysis is XXXX, which we pointed out was wrong because they had both a city and county property taxes on their, both for the same amount. They finally corrected it and I received it before XX/XX/XXXX. The corrected analysis showed a lower payment of {$650.00} from the {$660.00} we were paying. We received a {$81.00} check from them because we had extra in our escrow. I went to make our payment on XX/XX/XXXX and the original analysis payment of {$880.00} was still showing. I called them on XX/XX/XXXX again for the XXXX time since XXXX to ask them to correct the online payment amount to reflect the correct amount, the person assured me that the payment amount would be corrected and that if we received a late payment that I would have to call back and they would take it off. And I quote she said, because none of the problems were from anything you did, it is on our end. So on XX/XX/XXXX I went online to make my payment and now the payment states {$670.00} plus, now I have a {$22.00} late charge ( because it wasn't paid by XX/XX/XXXX and our escrow is now shows a shortage again. On XX/XX/XXXX and XX/XX/XXXX have tried to contact them several times to get this once again corrected and all I get is their automated system that just keeps you going in circles. I have not to date, made our XX/XX/XXXX payment as I am trying to get this corrected. I don't trust this company, they have rating of 1.9 with 74 % bad reviews. I don't know if they are trying to swindle us or if they just don't have a clue what they are doing and are very incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NC

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 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 2024-03-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
PHH Mortgage Services - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX Loan balance reached the 78 % threshold but it was not automatically removed as stated on their website or in accordance with Homeowners Protection Act. Since I was still being charged PMI, I requested the PMI to be cancelled to which I received a letter stating my property was in a FEMA declared disaster occurred in the last 24months. When I reviewed the NJ FEMA website there was no item that occurred in my zip code so I called PHH to inquire what event this was specifically. They said as long as it happened in the state a valuation will be required at my expense. This is clearly a dishonest practice as if they truly cared about property damage they would ensure the location of these events not just a statewide umbrellas cover.

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 2024-03-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Experian to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER 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 non-monetary relief
Consumer complaint received 2024-03-19 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: Self Financial Inc.
State: OH

Complaint narrative:
I recently reviewed my credit report and was shocked to learn i been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me, this has been hurting me because im trying to buy a home for my family.Please remove the SELFINCLEAD & XXXX account off my credit as soon as possible, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive notice someone had spent about {$600.00} on my credit card, that lead up to a bunch of late fees. I didnt feel comfortable keeping my card opened so i closed my card and was still responsible for the charges. please remove this account from my teport it is hurting my ability to obtain credit.

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 2024-03-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Equifax to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I received a phone call on XX/XX/2024. The man claimed to be from XXXX XXXX XXXX, said someone had purchased {$6000.00} worth of iPhones through my XXXX account. I live in XXXX and the order was being shipped to someone in MA. They sent me push notifi cations through the XXXX app on my phone to confirm they were from XXXX. They had my name, phone, address, email address and last 4 digits of my social. Anytime he asked for info I made him send me a push notifi cation through the XXXX XXXX to confirm it was legit. They asked for my debit card number to refund the amount that was charged. Admittedly I was distracted bc I was at work and panicked about the charge causing me to have overdraft charges so I obliged and gave them my debit card number. When he came back on the line and said there was a problem with my card and asked if I had another, I immediately realized I was being scammed and called my bank from another phone while they had me on hold. By the time I reached the bank, they had already put through XXXX charges. The bank reversed them and canceled my card. On XX/XX/2024, I received an email from Synchrony Financial regarding my Verizon credit card application- I DID NOT apply for a Verizon credit card or ANY credit card for that matter. The scammer apparently had more than the last XXXX of my SS # and fraudulently applied for the card in my name.

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 2024-03-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reported to all entities including the creditors that this information is a result of identity theft. XXXX XXXX and Experian were all provided a copy of FTC report with all accounts that do not belong to me. All on the report were removed except the account XXXX XXXX XXXX. 

I requested a block for the accounts listed on the FTC report FCRA 605B (

15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

ALL OF THIS WAS SENT TO THE CREDIT AGENCIES The credit agency came back and said a block was not required, however all the other accounts listed were blocked and removed XXXX and XXXX. 

None of this applies to this account - The account was NOT disputed in error, - The block was NOT requested on basis of material misrepresentation. 
- I did NOT obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

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 2024-03-19 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: MD

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 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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Dealing with Loan depot has been a total Nightmare. It seems almost everyone in the tax department does not understand how to do their job effectively. 

Im paying over {$8000.00} a year in escrow property taxes and pmi. My county assessment for XXXX  is {$5200.00} & pmi of $ XXXXand loan depot is charging me XXXX for property taxes, but loan loan depot is billing me {$660.00} per month that equates over XXXX XXXX  annually. 

I called over five times and the issue is not resolved nor nobody has information collected from my previous calls. 

DO NOT USE LOAN DEPOT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: GA

Complaint narrative:
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$4200.00} Account Number : XXXX Date Opened : XX/XX/year>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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: OH

Complaint narrative:
My mortgage was sold from prior servicer to XXXX XXXX  effective XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from XXXX XXXX that they were preparing my upcoming tax payments and that I did not need to forward my regular tax bill. They indicated I would be notified once the taxes were paid. 

I received an email on XX/XX/XXXX from XXXX XXXX  notifying me that my mortgage was sold to XXXX XXXX effective XX/XX/XXXX ; however, the subject line of this email indicated that my mortgage was sold to XXXX XXXX XXXX XXXX. 

I received letter from my home insurance company dated XX/XX/XXXX that my renewal payment, which was supposed to be made XX/XX/XXXX, was never made by Valon. 

On the same date, I received a bill in mail from my county treasurer 's office indicating that my property taxes, which Valon indicated they were in processing of paying 4 months prior, were not paid.

Company response to consumer: Closed with explanation