vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act ACCOUNTS BELOW XXXX  XXXX XXXX/ XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX  XXXX XXXX XXXX  account number : XXXX XXXX. XXXX, XXXX account number : XXXX, ALL has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete the 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 explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IA

Complaint narrative:
In XXXX XXXX I got new homeowner 's insurance that saved me over $ XXXX on my annual insurance premium. That month, I reached out to Homepoint, my loan servicer, about the change and requested an escrow analysis because the new insurance amount would lower my monthly payment. 

However, I had to call back in XXXX because it hadn't been completed. I spoke with a representative in XXXX for nearly an hour to get an " out of cycle '' escrow analysis completed. They assured me it would be done, but said they could not provide me a confirmation email or request/ticket number so I could follow the process because, as the representative said, " it's an internal process. '' Come XXXX, I found out that my loan was transferred to a new servicer, XXXX XXXX and saw that my loan amount was still the same : {$1400.00}. When I called XXXX XXXX the new servicer, they said Homepoint had not completed an escrow analysis and they would have to start the process from scratch. 

XXXX XXXX  completed the escrow analysis for the next billing cycle in XXXX and reduced my monthly payment to $ XXXX $ XXXX cost savings for my mortgage payment. However, because I had been paying the old monthly payment amount for the months of XXXX, XXXX and XXXXbecause Homepoint failed to complete the escrow analysisI lost out on {$120.00} that could've been applied directly to my mortgage 's principal amount. 

I spoke with a representative at XXXX XXXX and they said I would have to take the issue up with Homepoint, so today, XX/XX/2022, I called Homepoint and was told the escrow department did not complete the escrow analysis because the monthly payment amount difference was " not significant. '' I was never notified of this decision by Homepoint. Instead, they pushed the escrow issue off for XXXX months and eventually onto my new service provider. And XXXX, the Homepoint representative, could not clearly tell me where the monthly {$42.00} overage ( total : {$120.00} ) for the homeowner 's insurance premium portion of my escrow account was paid. 

I am attaching the escrow analysis completed by XXXX XXXXdemonstrating the significance of the homeowner 's insurance premium change in relation to my escrow account and resulting monthly mortgage payment adjustment. I am also attaching my XXXX and XXXX mortgage statements from Homepoint and XXXX mortgage statement from XXXX XXXX  which includes my transaction history for the months of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

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

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 2022-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I entered into this contract agreement with XXXX XXXXCredit Acceptance without 1 ). Full disclosure of my right to rescind 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that XXXX XXXX  XXXXCredit Acceptance willingly and knowingly took advantage of me and my consumer credit.I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission i am not liable for any finance or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 
In addition, I was given false and deceptive information ( violation of 1692e ) as i was told that a down payment of { {$3000.00} } was needed in order to drive off of the lot. Pursuant to 15 usc 1605a - a finance charge is sum of all charges.

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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX # XXXX, Dept of education/XXXX  # XXXX, XXXX XXXX university # XXXX, Us Dist ct # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Child Support # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX # XXXX, Dept of education/XXXX  # XXXX, XXXX XXXX university # XXXX, Us Dist ct # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Child Support # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

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

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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX has violated my rights. 

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

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

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 2022-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My minor daughter was contacted by an online scammer, offering to send her money to her bank account if she would XXXX them money according to their indstructions. 

The scammer purportedly deposited {$3500.00} in her Wells Fargo account which the bank said was available to my daughter. 

After she sent {$400.00} via XXXX, the bank then said the deposit was not valid and is forcing my daughter to pay them the {$400.00} even though she relied upon the bank 's representation to indicate the money was available. 

This is not in keeping with bank policy, and besides that, my daughter never opted in to the XXXX system and even if she did, she would be a minor and unable to sign on her own. 

I've tried to resolve this with the bank since XX/XX/2022, the day I discovered the 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 monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  Account # XXXX has violated my rights. 

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

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

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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 21 It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-06 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: MD

Complaint narrative:
I contacted XXXX after several failed attempts as they are a very hard company to get ahold of to set up an online account then contacted them trying to make payments over the phone which they refused to take at the time. It was the most painful process I have ever been through until they finally tweaked their system. While all that was going on it was hard to get the payment to them. Then the XXXX strike hit, as where i am a XXXX XXXX XXXX who is is mostly paid by commission on our shops month end. Well with XXXX on strike we could not get parts in to fix cars which reduced my pay tremendously. Then COVID hit shutting the world down. I had called and spoke to XXXX XXXX  where they told me there would be zero late marks added to the credit report and were supposed to push my payments out so they would not be past due and were not going to hold me responsible for prior late payments due to strike. I have disputed several times and everytime they refuse to remove the late payments although there were supposed to be ZERO due to COVID. As I am finally pulling myself up out of the hole these negative remarks are really wreaking HAVOC on anything i am trying to do. I request that these past due payments get deleted from all XXXX credit bureaus.

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 2022-06-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I contacted XXXX after several failed attempts as they are a very hard company to get ahold of to set up an online account then contacted them trying to make payments over the phone which they refused to take at the time. It was the most painful process I have ever been through until they finally tweaked their system. While all that was going on it was hard to get the payment to them. Then the XXXX strike hit, as where i am a XXXX XXXX XXXX who is is mostly paid by commission on our shops month end. Well with XXXX on strike we could not get parts in to fix cars which reduced my pay tremendously. Then COVID hit shutting the world down. I had called and spoke to XXXX credit where they told me there would be zero late marks added to the credit report and were supposed to push my payments out so they would not be past due and were not going to hold me responsible for prior late payments due to strike. I have disputed several times and everytime they refuse to remove the late payments although there were supposed to be ZERO due to COVID. As I am finally pulling myself up out of the hole these negative remarks are really wreaking HAVOC on anything i am trying to do. I request that these past due payments get deleted from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MD

Complaint narrative:
I contacted XXXX after several failed attempts as they are a very hard company to get ahold of to set up an online account then contacted them trying to make payments over the phone which they refused to take at the time. It was the most painful process I have ever been through until they finally tweaked their system. While all that was going on it was hard to get the payment to them. Then the XXXX strike hit, as where i am a XXXX XXXX XXXX who is is mostly paid by commission on our shops month end. Well with XXXX on strike we could not get parts in to fix cars which reduced my pay tremendously. Then COVID hit shutting the world down. I had called and spoke to XXXX credit where they told me there would be zero late marks added to the credit report and were supposed to push my payments out so they would not be past due and were not going to hold me responsible for prior late payments due to strike. I have disputed several times and everytime they refuse to remove the late payments although there were supposed to be ZERO due to COVID. As I am finally pulling myself up out of the hole these negative remarks are really wreaking HAVOC on anything i am trying to do. I request that these past due payments get deleted from all XXXX credit bureaus.

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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act these accounts below have violated my rights. 

15 U.S.C 1681section 602A states I have the rights 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.. 


Common wealth {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$80000.00} XXXX 2014 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act these accounts below have violated my rights. 

15 U.S.C 1681section 602A states I have the rights 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.. 


XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$80000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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