vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I made payment on account.. .in excess of what was owed for principal via electronic transfer.. .my payment amount of which they acknowledged receipt by sending an email to me... was {$19000.00}... 

Now they are saying because it more than paid the loan off give or take by {$60.00} that they are saying loan isn't paid off that they are going to send me the money back and that it can take up to 20 days .to get the monies back... and that I would have to send them a certified check to pay loan off verses wiring / electronic transfer of the money to them. They already have more than enough monies.. .my bank has verified that they have the monies, and for Specialized Loan Servicing to send monies back.. they would have to have the monies already.... the computer screen on their system shows I owe now {$19000.00}.... {$19000.00} more than covers this. 

this loan has an interest rate at 8.75 %.. .this kind of XXXX just allows them to get more monies from people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We have a Bank of America CC account that has been closed and are making monthly, automatic payments. In XXXX of 2023 their system did not properly withdraw a payment of {$210.00} from our account on XXXX different occasions but we were never notified. Upon getting our statement we noticed this issue and made a double-payment in XXXX to become current but by that point their system had registered us as '30 days late ' and reported this to the credit bureaus. The error seems to be with their system but they refuse to admit this, correct the problem, or provide us with any information proving otherwise- they have effectively stonewalled us and told us that their company has a policy of 'not issuing credit corrections ' even when they have made a mistake. This has severely hurt our credit and needs to be adjusted. In the attachment you can see us attempting to make payments and additional payments made once were were notified of their bank error. To be clear we went multiple months without receiving a statement which made identifying this error early impossible. 

We had previously published a complaint containing this, BofA did send me an email with a contact but this person has not responded to many emails or calls and it is clear that they do not take credit reporting errors seriously.

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 2024-04-10 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights, listed below. 

Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX 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. Witch I never in no manner provided to the fore mentioned parties listed above.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Im disputing these accounts

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 2024-04-10 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: CA

Complaint narrative:
On XX/XX/2024 I disputed several inquiries that appeared on my credit report. Those inquiries were unauthorized. XXXX XXXX XXXX XXXX was on my credit report XXXX times, however was supposed to be on there XXXX time. I notified the bureaus and let them know to dispute the unauthorized inquiries however all inquiries were disputed. One of the inquiries that were disputed was connected to my actual automobile loan at XXXX XXXX. 

On XX/XX/2024 ( almost two months later ), my installment loan from XXXX XXXX was removed from my credit report AND my ability to monitor my account was blocked online by XXXX XXXX. I contacted XXXX XXXX to find out what happened and they advised that Transunion blocked my account from being reported due to suspected fraud. I let them know that the account was not identity theft and that I had possession of my vehicle and they advised me that they would close the fraud case and send a letter of reinsertion to Transunion and the remaining bureaus so my account could begin reporting once again. 

I spoke to Transunion and they advised me that they did not block my account from XXXX XXXX and that XXXX XXXX was the one who blocked the reporting of the account. Transunion escalated the situation to higher management who further confirmed that they did not block the account. They advised that if XXXX XXXX wanted to resume reporting, they would have to contact Transunion and request for it to resume reporting. 

XXXX XXXX states that Transunion is responsible for the account being blocked. Transunion states that it is documented in the communication sent from XXXX XXXX that XXXX XXXX is the one who is blocking the account. I had someone from the Office of the President to call me today and advise that there was nothing that they could do as it was not their responsibility. 

I need my account reporting on my credit report and I need access to the app on XXXX XXXX to monitor my account and be able to make payment. Please make the XXXX companies resolve the issue. 

Thank you.

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 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed several unauthorized/fraudulent inquires on my transunion and XXXX and XXXX report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Sunrise Credit Services on behalf XXXX XXXX XXXX XXXX XXXX has attempted without notice, verification, or due process to collect on a fraudulent account created by XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX defrauded me by creating an order, not delivering the products of the order, and not providing mobile service on the undelivered products of the order, then billing me for an order and service that was never provided, and finally sending the account into collections. Sunrise Credit Systems did not notify me in writing of the debt and did not provide me verification of the debt.

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 2024-04-10 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:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I spoke with Selene Representative XXXX XXXX, who informed me that my loan modification was denied because my application was not complete due to redacted bank account numbers, although I received a letter from Selene stating that my package was complete and under review. XXXX XXXX told me not to appeal, because the appeal would be denied, but I had sent an email on the XXXX of XXXX according to denial letter because by the time the denial letter came to me I only had 2 days left to respond and XX/XX/XXXX was a holiday. XXXX XXXX told me to submit a new loan modification package which I did, and it arrived to Selene on XX/XX/XXXX @ XXXX. I spoke to the following Selene representatives XXXX XXXX, said package had not been reviewed, XXXX said on XX/XX/XXXX package had not been reviewed, but it had been uploaded on XX/XX/XXXX, XXXX said he would make sure and change the notes to say package was a new loan modification package, not an appeal, but when I called on XX/XX/XXXX and spoke to XXXX, she said that had not been done. XXXX said she sent in a work order, and escalation and sent a message to my XXXX XXXXXXXX XXXX informing XXXX XXXX and on my file that my package sent in was a New Loan Modification request package. I called on XX/XX/XXXX spoke to XXXX, he said the package had not been reviewed still. I called on XX/XX/XXXX and spoke to XXXX who was not really helpful, she told me to send another email to loan modification department asking for a review of my New loan modification package, because the package had not been reviewed still. 
Please keep in mind CFPB that new loan modification package has been there since XX/XX/XXXX, uploaded XX/XX/XXXX and still I have not had a formal review of my loan modification package, XXXX kept labeling my package an appeal package which they were told 6 times by me, and at least once by XXXX XXXX XXXX, this was not an appeal, what I sent in was a XXXX XXXX page new loan modification package. Still XXXX has scheduled a foreclosure date, and have not even given me a review of the loan modification package.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX of 2024, I filled out an application for a rental property that was ultimately denied due to a rent score from transunion. This rent score is a score different from your regular credit score. However, the consumer is not privy to the breakdown of how this score is comprised. What are the factors and percentages of the factors that go towards how we get this score? How does the scoring algorithm actually work? This appears to be an unlawful business model depriving people of the necessity of housing. There needs to be another class action lawsuit challenging the legality of this model - whatever that may be. Also, if the majority of credit files contain erroneous information, how is that information reliable enough to come to any type of 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 non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a letter dated XXXX from JP Morgan Chase, XXXX. 
XXXX XXXX XXXX XXXX DE XXXX They thanked me for applying for a new CHASE XXXX XXXX XXXX credit card account. 
They then requested various documents such as drivers license, passport or even a birth certificate to prove my identity. 

I didn't apply for this. Someone is fraudulently using my name! 

Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report. I've sent a debt validation letter over 30 days ago and they have yet to respond, which is a a violation of my consumer rights. This needs to be removed immediately The company XXXX has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 non-monetary relief
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
I noticed several unauthorized/fraudulent inquires on my XXXX and Equifax and XXXX report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
I noticed several unauthorized/fraudulent inquires on my XXXX and XXXX and Experian report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: DE

Complaint narrative:
THIS A ANOTHER AGENCY TRYING TO COLLECT FOR EQUIPMENT I HAVE ALREADY TURNED INTO XXXX. I HAVE ALREADY AND REPEATEDLY SHARED WITH XXXX AND THESE FRIVOLOUS DEBT XXXX THAT I HAVE TURNED IN ALL EQUIPMENT TO XXXX STORE OVER 3 YEARS AGO. 
I AM STILL AND CURRENTLY A XXXX CUSTOMER FOR ALMOST 2 YEARS. 
IF I OWED ANYTHING WITH XXXX. I WOULD NOT HAVE BEEN ABLE TO RETURN AND HOLDING AN POSITIVE STANDING ACCOUNT FOR 2 YEARS PLUS WHEN I WAS WITH THEM BEFORE 3 - 4 YEARS AGO. 
THIS DEBT IS NOT MINE AS I HAVE TOLD THE OTHER DEBT COLLECTOR XXXX. INSTEAD THEY CONTINUE TO STRESS ME OUT ME OVER EQUIPMENT I HAVE RETURNED TO THEIR STORE AND SELL MY NAME TO OTHER DEBTORS. 
PLEASE COMPENSATE ME FOR ALL MY TROUBLE OF HARASSMENT. 
THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Firstsource Business Process Services, LLC
State: NV

Complaint narrative:
I want to know why this company and others gave me up to XXXX in credit when I'm XXXX and only make XXXX a month why would a company give so much credit to a XXXX XXXX XXXX, I mean no one thought maybe it's too much credit but no they are greedy they know people cant handle this kind of credit it was a clear abuse of a XXXXXXXX XXXX and I want it written off and taken off my credit report, because they are just as much to blame as me the debt isn't getting paid

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : XXXX XXXX XXXX  XXXX XXXX. 
ACCOUNT # XXXX Amount : {$4500.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.

Company response to consumer: Closed with non-monetary relief