vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: MO

Complaint narrative:
On XX/XX/XXXX of 2022 An attempt was made to resolve inaccurate information on my report. It is now XX/XX/XXXX, of 2022 I have been taken advantage of due to malpractice while being in violation with FCRA guidelines. This has caused me hardship and 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 non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Financial LLC
State: DE

Complaint narrative:
XXXX is the last time i was able to make a payment of {$50.00} From XXXX til now i receive txt messages from them several times i have spoke with XXXX XXXX XXXX i do not have any income at the moment i have no way to make any payments i revieced a phone call 23 - 32 times from different locations last week. 
Today at XXXX i recieved my last call and i explained that they are harrasing me i told the pervious people that i have no income at the moment she told me she didnt care i would have to pay {$5.00} and i again told her i did not have anything to give. They called monday twice, Friday, called XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I provided information to XXXX and Experian from the XXXX XXXX  court of Michigan. Which read as follows we do not report any information to credit bureaus. I sent all proofs they refuse to remove. No 3rd party reports allowed on 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 explanation
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
I have new and updated information concerning TransUnion. I have previously complained of TransUnion 's illegal conduct under ID # XXXX. TransUnion has failed to conduct their required investigation in accordance with federal laws, specifically within 30 days ; and failed to delete items in accordance with my written instructions. TransUnion is in violation of my rights as a federally protected consumer.

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 2022-03-23 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: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act... 
XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A 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 2022-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC
State: UT

Complaint narrative:
I was getting a roof installed through a company called XXXX XXXX. The sales girl, without my permission, esigned loan documents approving XXXX loans for {$36000.00}. The loan was extremely high interest which I would never have approved since I have excellent credit and would have just went through my local credit union. She told my that she would get me the loan information to sign before I had the roof installed. I never received any loan documents to sign because she signed them for me after she left the house. I had told her that I did not want a high interest loan, and that I would just get financed through my credit union. She wanted the sale so bad, she decided she'd sign the documents for me. I also put {$5000.00} down and they were supposed to knock off an additional {$500.00} as a promotion. Neither the down payment or promotion were ever deleted from the final loans. And I say loans, because not only did she esign documents for XXXX company but for XXXX. Now I am stuck with XXXX payments and a high interest loan, even though I never signed any of the loan documents. The loan documents were signed after she left my house, and they even have the time stamp on them from being signed online. The final payment was supposed to be for less than {$300.00} a month through XXXX loan company at a low interest rate, not through XXXX loan companies at high interest rates. I told both companies that I never signed the documents approving these loans. I have witnesses that were then when she was having us sign stuff and not once did we sign any loan papers. We have tried getting this resolved but Service Finance Company LLC keeps hanging up on me and won't assist me in resolving this matter. The other company has filed a fraud investigation so we are yet to see what will come of that. XXXX XXXX XXXX workers also stole a camera and an antenna that was on my roof. They damaged an expensive swamp cooler and never reimbursed me for any of that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Starting XX/XX/XXXX I have received notices from Shellpoint Mortgage regarding hazard insurance placed upon our property. Immediately I called and submitted the relevant documentation of my existing hazard insurance, and requested to have the escrow balance cleared. I forwarded this hazard insurance to their support department, and tried repeatedly to clear up this misunderstanding. Each time while speaking on the phone, I have received confirmation from the agent that this was a mistake on Shellpoints part, and have at multiple times had the escrow balance cleared, only to have the escrow charges re-emerge. 
As of XX/XX/XXXX my wife and I have started seeing late payments reported to credit agencies, negatively affecting our credit score.

Shellpoint have completed an audit, and returned a response to us which does agree that the hazard insurance should not have been placed, but has not cleared up the balances incurred by those fees. 

At all times I have continued to pay the original mortgage amount, and so should be in good standing on this balance. 

Many thanks for your help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681.

Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws.

My information was compromised in the XX/XX/XXXX Equifax Data Breach and I have made that very clear to Equifax.

I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that XXXX XXXXXXXX. 

I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. They willingly continue to break the law and they do not even add in files that I have sent to have on my record. 

These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I provided information to Transunion and XXXX from the XXXX XXXX  court of Michigan. Which read as follows we do not report any information to credit bureaus. I sent all proofs they refuse to remove. No 3rd party reports allowed on 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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX I sent XXXX a letter disputing the US Bank Home mortgage account they are reporting on my credit report. I did not get a response. I sent a follow up letter on XX/XX/XXXX. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified through US Bank. I disagreed with their report and sent another letter on XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was deleted on XX/XX/XXXX. I then received another letter on XX/XX/XXXX with a credit report stating that this account was verified through US bank and was added back to my account. This account shows the first delinquent payment in the payment history as of XX/XX/XXXX. The account was never brought current again. However, in the information area it shows the date of first delinquency as XX/XX/XXXX. How is that possible when there are 15 payments prior to XX/XX/XXXX that were delinquent? Frustrated, I emailed the CEO of US Bank and XXXX on XX/XX/XXXX and did not receive a response. I called US Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and no one was able to help. I kept getting redirected and told that US Bank has no information because the account is not current and is so old. Nothing had been done to correct this account, even with proof. After a few months I decided to check and see if the inconsistencies had been updated. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this still possible? I called into XXXX today to question the inconsistencies and the rep stated that he did see the inconsistencies but there was nothing he could do as US Bank has verified the account. I am completely appalled that this credit bureau would allow such an injustice to continue to happen.

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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Debt is no longer collectible since I already settled the debt in full to XXXX. In my attachment, you will find a letter from XXXX XXXX or XXXX claiming that this account has already been settled.

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 2022-03-23 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: PA

Complaint narrative:
I am a victim of identity theft and did not open these accounts. I ask that the items be deleted to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission as well as the identity affidavit. I would like these accounts removed as soon as possible please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. 
On the above dates I have submitted dispute to Experian in regards to an bankruptcy on my credit report. I submitted documentation from XXXX XXXX to Experian because its stated they verify my information with XXXX XXXX. I even inform Experian that its illegal For them to contact a third-party regarding someones personal information. Experian is supposed to do the investigation on their own. I submitted the documentations that I receive from XXXX XXXX that there is no bankruptcy on their end regarding me. Experian failed remove the bankruptcy even though I submitted documentation. I would like this to be removed off my credit report. I have been deny credit because of this reporting on my credit report. Im unable to get certain things due to this being on my credit report. And I would like this to be removed within 30 days

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 2022-03-23 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I was shocked to learn that BMW reported me as late on my credit. I leased a vehicle from BMW at the end of XXXX. 
The initial two payments were made at the dealership, and the first payment was due XX/XX/XXXX as I later found out. However, I didn't receive a billing statement for the month of XXXX, or XXXX I wasnt aware of the payment due date and thus made the payment 2 days late. Had I received the billing in a timely manner this wouldnt be an issue. 
Please correct the negative reporting as BMW failed to send me the initial statement in a timely manner. 
Over the years, I have leased several vehicles with BMW and have never been late. 
The failure to send a billing statement in a timely manner is the reason why the payment was made 2 days late. Please correct the negative reporting as this is impacting my mortgage process. I stand to lose my down-payment of XXXX if I can not obtain a mortgage, which resulted in XXXX point drop on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This will be my one last complaint. I began disputing to XXXX XX/XX/2015. I was given complete instructions to go through the XXXX. I summed full details as requested over these years. I read about all the class actions suits XXXX won in the courts, XXXX Mortgage XXXX DBA Seterus XXXX XXXX Each pertaining to my claimed with factual evidence. XXXX denied to investigate. Next, XXXX changes their business name to XXXX, Seterus is now XXXX. XXXX gets paid by each complaint written on your website. Allowing all illegal fiancial institutions involved to remain concealed. With all abilities to continue the exact crimes just with different names. Today my statement of this complaint is directed to the XXXX. I will continue to share my evidence to the public. Each homeowner is dismissed by XXXX. It's business & a pay-check for XXXX. This is conspiracy. Hundreds of thousands of people who have been requesting assistance have never gotten the XXXX assistance. We have United together. We are exposing CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Betterment LLC
State: CA

Complaint narrative:
On two occasions money that I have transferred from my savings account into my checking account with the same financial institution has been held for more than 5 days. Both times the bank stated they have a 1-2 business day hold for transfers and then said that the policy had been changed to 4-5 business days. I am very concerned about why my financial institution will not allow me to move money between my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
XXXX  XXXX XXXX and XXXXXXXX XXXX is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report.

- Furnishing information on my report without my signed written consent to furnish my private information

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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Everi Payments Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I visited XXXX XXXX and XXXX XXXX Ok. I attempted to visit one of the Everi ATMs. I selected purchase gaming ticket which requires putting in a pin. Upon doing so the transaction said and prompted this transaction could not be completed please contact your financial institution. My card was promptly ejected and it went back to the please insert card. After it cancelled I checked my online banking and I was INDEED CHARGED This was a transaction, In the amount of {$2000.00}. I promptly told security they reviewed the atm and assured me I was not charged. I showed them I was, and the guy told me that the transaction will fall off in two business days. The transaction never fell off. Then I disputed it with my bank, everi sent a response stamping it with a stamp twice saying REDEEMED. I didnt even get a print receipt and their cashier told me there was nothing they could do I should call everi which I did. However Everi because they marked that stamp told my bank someone received and redeemed it and it wasnt me. This has caused my account to overdraft because of something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: UT

Complaint narrative:
Volkswagon Credit is discrimnating against me solely because I did not buy a volkswagon. They are refusing access to my account. I can not view anything without calling them. In this age, that is absolutely unacceptable. They do not email receipts. Mailed receipts take 4 weeks at minimum. This has been happening since XX/XX/2022. For my own security I want them to remove my banking information from my file. They are refusing to do this. I can not personally monitor my account for fraudulent activity. This puts me at significant risk of fraudulent activity because my identity has been stolen.

Company response to consumer: Closed with non-monetary relief