vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, after being denied credit, I began the process of disputing information on my credit reports with information I believe to be inaccurate. TransUnion is the one and only credit reporting agency that has continually refused to start a proper investigation into my credit report, citing no less than twice they believe the letters I personally wrote stating " it didn't appear that you or a properly authorized third party sent it to us ''. These attempts to subvert investigations and neglectfully refusing to perform the required investigations within 30 days. After TransUnion 's first refusal, I immediately wrote back demanding the investigation, within the allowed 15 day extension, even though TransUnion neglectfully erred in their original decision. Next TransUnion stated they " were unable to determine the nature of my request or my request was illegible ''. But as clearly stated in my typed letter, it was extremely clear exactly what I was requesting. But after that letter, which was received on XX/XX/XXXX, I next wrote multiple letters disputing the accuracy of information being reported and once again, TransUnion refused to comply with my request, citing the same information as before. After multiple attempts, TransUnion is absolutely refusing to follow the law and perform an investigation as required under the FCRA. 

TransUnion did provide myself a copy of my credit report. 

Note : I did not include a copy of my drivers license or the bill I provided to TransUnion on each available time. 

At this time I am requesting a full investigation by the Consumer Financial Protection Bureau to why TransUnion refuses to comply with the law. I am attaching every letter send to TransUnion and received by TransUnion as evidence of the lack of reasonable procedures and policies in place to fulfill their obligations under the law. And I am demanding action to be taken against TransUnion for their repeated violations under the FCRA. 

TransUnion shall look to settle these illegal actions immediately, as this complaint goes further than simply TransUnion trying to bypass the law and investigate these as a dispute, I am looking for TransUnion 's settlement offers. 

Furthermore, during TransUnion 's investigation, all information, up to and including, but not limited to documentation and their sources must be provided to myself in writing to my mailing address.

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 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-02-06 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Car loan with Hyuandai Motor finance was paid in full on XX/XX/XXXX and it does not reflect as being paid off for the the last three years. It does not reflect as being paid off on my XXXX credit report and effected me gaining access to credit and approvals.As of todays date XX/XX/XXXX its still reflecting negatively on my XXXX credit reports

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 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX acc # XXXX Amount {$2000.00} I have near heard of this company before. I have not seen this on my credit report until lately. I have no idea what this company does or is. I have contacted them, and they told me they sent emails to me and tried to call me. I have not received any emails or phone calls from this company. I do believe my identity may have been accessed during this time. I have exactly four charges during this time, that I am unaware of. I did not create this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
WellsFargo that they didnt have enough information about my claim, but never received any letter from them requested more information. 
Therefore, very disappointed for my case to be closed without further investigation. 
Its true never had a Mortagage with Wells Fargo, but since I am Wells Fargo customer and maintain account with them used my checking account to make payments to my mortgage which were located XXXX XXXX XXXX XXXX WI XXXX and the mortgage company name was XXXX XXXX XXXX XXXX XXXX. What happened when made those payments through my checking account the money wasnt posted on time and as result of the delayed, my mortgage appeared late because Wells Fargo bank misplaced/ delayed posting my payments which affected and ruined my credit score because of those lates payments resulted from the bank mistakes.

Therefore, the bank should not trying to denied the damage they caused in my credit score which affected my leading character because of those late payment of which have never late but it was the bank misplaced or delayed posted my payments. Here is my email : 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 2023-02-06 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: VA

Complaint narrative:
I recently reviewed my consumer report and find that there are numerous fraudulent addresses, accounts, inquiries, and employers listed on my consumer report. No company has reached out to me about the accounts being reported to my consumer report. I reached out to each company to let the company know that the transactions that took place to open these accounts are indeed fraudulent. I did not consent to, authorize, nor benefit from any of the following accounts and inquiries. Please block and remove them immediately : ACCOUNTS : XXXX XXXX XXXXXXXX, 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 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

EMPLOYERS : XXXX XXXX STATE PRISON, XXXX XXXX STATE PRISION. 

Please be advised, this request to block and remove all listed items resulting from fraud is not done in error. Thank you for your attention to this matter. I assure you will not discriminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently reviewed my consumer report and find that there are numerous fraudulent addresses, accounts, inquiries, and employers listed on my consumer report. No company has reached out to me about the accounts being reported to my consumer report. I reached out to each company to let the company know that the transactions that took place to open these accounts are indeed fraudulent. I did not consent to, authorize, nor benefit from any of the following accounts and inquiries. Please block and remove them immediately : ACCOUNTS : XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX INQUIRIES : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK- XXXX, XXXX XXXX. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

EMPLOYERS : XXXX XXXX STATE PRISON, XXXX XXXX STATE PRISION. 

Please be advised, this request to block and remove all listed items resulting from fraud is not done in error. Thank you for your attention to this matter. I assure you will not discriminate.

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 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I recently financed a car with credit acceptance Corp and I believe that I also was lead into a misleading loan. I am paying XXXX percent, {$420.00} a month for a used XXXX  XXXX XXXX that at the time had XXXX miles. When I tried to buy it at the dealership I remember it saying XXXX. I had put down XXXX and I still have to pay XXXX for XXXX  years. After reading they are being sued in NY by deceptive loans, I believe I was wronged as well. And want my story heard as well. My loan is XXXX  months, and the interest has made the car over XXXX dollars. I have already paid for XXXX months and the loan hasnt even gone down to XXXX which is apparently the cost of the car afterwards when I signed. I did not have great credit at the time so I believed that maybe the price changed for me alone because of that. Understood the interest because of my credit but could not understand how I could put down XXXX still pay XXXX and for XXXX  years. And how a car that is XXXX blue book value of XXXX XXXX ended up being XXXX and I will be stuck with this loan for a long time. I also believed the mileage had played a part in the cost but the price did change after I initiated buying it. I am able to afford it yet is taking way too much of my income. at the time I did not pay rent or bills and now that I do I worry about not being able to afford my car. I always thought this loan was confusing but I do also feel like as a first time buyer I was mislead. And that I just took their word that my credit was so bad. But it seems like my Loan has barely gone down even though I continue to pay XXXX each month. I would like to be reached out to in regards to this loan and lawsuit as I believe Im another case against them. I was not sure who to contact but I am looking into contacting the NY attorneys who brought this lawsuit to light. XXXX XXXX can reach out to me but I will probably not take their word as they do not seem like a good company and have been sued before. Im sure they will just try to tell me this is right even though I feel its wrong and I would like someone else to reevaluate the loan.

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 monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
At the beginning of the recession in XXXX, I was struggled to make my mortgage payment like everybody in this country. 
I called Wells Fargo and the Representative told me that nothing they can do if my mortgage payments were up to date. 
They could work doing a loan modification if my mortgage was in default. 
That is what I did. 
I stopped paying the mortgage for 3 months then my nightmare started. 
For multiple years I tried to work with Well Fargo to get a loan modification. 
My property was underwater the same as almost all the properties in this country. 
I tried at least 11 times the loan modification with proof and capacity to be approved.

One of the times I had been approved for a loan modification and exactly 3 days later they backed up and disapproved.

Also, I have been approved for a forbearance.

After I made the 3 months payment they want I kind of contribution that I was unable to compromise but no explanation for why I had to make that kind of contribution.

After some investigation on my loan, we discovered some inconstancies that I fight in NJ Courts but at the end of the day, my property had been foreclosure.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am being asked to verify my account using 10+ year old phone numbers that I no longer have access to. I have money in my account I need to pay bills THIS WEEK. However, they are trying to force me to wait 7-10 days for a letter to verify.

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 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I bought my home in XXXX XXXX XXXX  in XXXX, made payments with XXXX  11 years, never late, no problems at all at XXXX dollars monthly.. In approx XX/XX/XXXX, I began getting mortgage bills from a Mr. Cooper I knew nothing about. I called XXXX, asked what happened, was told XXXX some XXXX accounts like mine were sold to a Mr. Cooper. About XX/XX/XXXX there was a phone mail from Mr. Cooper that I needed to call asap. I called, was told then that I was in arrearage XXXX dollars in my escrow account, that this was a collection call! When I then spoke to a representative, she said I should not have received the call at all though later would receive 2 more over the months. I was told that in XX/XX/XXXX my payment would increase to XXXX monthly due to increased insurance in XXXX?. I paid XX/XX/XXXX increased amount as above. On 2 more occasions through the next months I received a collection call from Mr , Cooper. In XX/XX/XXXX when I called, I was told I now was XXXX behind {$3800.00} in my escrow account, then on the next billing I was XXXX dollars short so XXXX I had to pay XXXX dollars! The paperwork said if I don't pay the XXXX dollars by end of XXXX they would add the unpaid amount to my total amount owed on my home, just over XXXX dollars! I feel they are trying to drive me out of my home! I am on a fixed income at XXXX XXXX XXXX. I was an XXXX 35 years until I retired at which time I then got XXXX. The last 3 years I had to fight to live, am better now. I on XX/XX/XXXX did a second homestead exemption, had it filed. The Lady there told me they've had problems dealing with this Mr Cooper with others. I looked Mr. Cooper up for complaints, found there have been many in multiple states!. They have been found guilty trying to illegally drive especially elderly people into foreclosures! I asked the specialized Tax person doing my exemption on XXXX, XXXX if I should be paying so very much more from last years house payment due to increased insurance/taxations in XXXX, she shook her head no, said it should not be much more than the XXXX dollars monthly last year. I pray you can help me with this. I am doing my taxes on XX/XX/XXXX at which time the tax specialist said to bring the taxes for XXXX then to her. which I will be doing. When speaking with the staff at Mr. Cooper, it was obvious every call they did not care one bit about my concerns. I have worked so hard to buy my home alone. The tax exemption was filed on XX/XX/XXXX and filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
On XX/XX/2022 I went to Old National Bank in XXXX, Illinois to the bank atm located right outside in the drive thru to deposit cash into my checking account. The atm took the cash and showed a message stating that the atm could not take all of the bills and the message continue to show for several minutes. After this it printed a receipt was given stating to contact your financial institution. No money came back out of the atm and no money was deposited into the bank account. The teller as the bank stated they have never had an issue like this and told me I should have come in to make a deposit. In this case they should not have an atm outside to deposit cash. A dispute was filed with the bank.

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 monetary relief
Consumer complaint received 2023-02-06 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.

Complaint narrative:
Hi there on XX/XX/2023 I was a victim of fraud on my personal banking and info I did all the measures required after the fact including contacting my credit bureaus to stick Fraud Alerts on my reports incase someone tried to pull my credit! 

So today XX/XX/XXXX I get an alert stating there was an inquiry on my XXXX XXXX via trans union for some XXXX financials! I IMMEDIATELY called the bureaus to deal with this matter - XXXX was not connected to it so I called transunion! I went through 6 different customer service reps who didnt take this seriously at all!!! The one actually laughed! 

They all told me it is what it is and I could go online fill out paper work and thats it! 

SO WHY DO WE HAVE CUSTOMER SERVICE AND WHY ISNT FRAUD TAKEN SERIOUSLY! So what now I wait months on feedback when someones is having fun trying to get loans, is this a XXXX XXXX  This is my personal Info someone has taken its extremely violating and TRANS UNION needs to deal with it in an URGENCY not fill out form will take a look at it when we can LIKE XXXX this should be taken care of immediately!! Ive never been so disgusted by customer service reps in my life! This isnt a joke or a laughing matter! Its my INFO AND someone is applying for thing nailing my credit and score!

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 2023-02-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I have sent multiple disputes and complaints about this account I have paid it in full and the representative agreed once paid settled they will remove it off my credit report. it is still on my credit report and is showing as if it hasn't been paid off it is showing a balance of {$2900.00} on my XXXX  credit report. I have proof that I've paid this settlement balance off by check I will upload the proof this has been reporting on my Credit report and inaccurately for over a year which is preventing me from getting credit from other lenders and messing up my reputation. 

Loan ID XXXX CUSTOMER ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation