vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Mortgage ' XXXX I called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX aware ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per 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 2022-02-08 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: FL

Complaint narrative:
There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX XXXX XXXXXXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX XXXX ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( https : XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

https : XXXX XXXX XXXX XXXX XXXX ' XXXX I called and spoke with this individual who simply identified herself as Jeanette. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX aware ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per 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 explanation
Consumer complaint received 2022-02-08 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: NY

Complaint narrative:
hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.

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 2022-02-08 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: TX

Complaint narrative:
XXXX XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO EXPERIAN, XXXX, AND XXXX. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNTS STATING THE INFORMATION WAS CHARGED OFF. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND IT SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. JUST BECAUSE XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER.

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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Discovered a pending collection on my credit reports on XX/XX/XXXX : XXXX and XXXX. 

Collection Agency : I.C. SYSTEM, INC The report stated that there was amount of {$100.00} owed to XXXX XXXX, and was filed on XX/XX/XXXX. I had no knowledge of this amount being owed, and currently have two active accounts with XXXX that are fully paid for. On XX/XX/XXXX, I called XXXX to inquire. XXXX representative confirmed they had no record of any pending amounts, nor of having contacted I.C. SYSTEM, INC. It was also stated by the representative that they would not use a collection agency for that small of an amount nor that short of time, and would have made several attempts to contact myself first. 

I then contacted I.C. SYSTEM, INC to inquire about why this was showing on my Credit Report. They would not and could not provide any relevant information to what this account was allegedly referring to, and did not have any current or accurate information concerning myself or where I was currently living. I then requested for them to remove this, as this was a fraudulent collection. I.C. SYSTEM, INC informed me it could only be removed if I paid for the amount. I then requested for them to send me all information and collection receipts in writing which they refused.

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 2022-02-08 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: OneMain Finance Corporation
State: IN

Complaint narrative:
After using an organization " ONEMain Finance '' previously one year ago, I simply called to " INQUIRE ONLY '' to what options were available to me. In doing so, a SOFT Inquiry to my report was expressed ONLY. I initially had modest trust from a previous experience in 2021. That is obviously not an option now. 

After the conversation, I declined what options they were attempting to solicit. 

The VERY Next Day, this company " ONEMAIN '' SLAM my credit report with a HARD INQUIRY as a Retaliatory without my authorization. I was very upset and realized that not only are the rates and business practices dishonest, so are the reporting methods. 

XXXX was not able to remove this data and correct the obvious error and false record reporting of an unauthorized hard inquiry. 

OneMain XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, they received information that my account was discharged so there should be a XXXX balance. This was confirmed by several of their reps & supervisors. Today, XX/XX/XXXX, they reported on my credit report that I owe {$120000.00}. Prior, nothing was ever reported. I do NOT owe this. My loans have been discharged and according to my letters from the Department of Education, my credit report will be XXXX out once discharged ; not add such a large balance. This reporting has decreased my credit score by XXXX points and added to my credit usage significantly HIGH when it has always been under {$100.00}. This now negatively impacts me trying to get a home loan. The mortgage company just now pulled my credit report which now shows this extreme high debt that I DO NOT OWE and they know that I dont owe it.

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 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I mailed have called XXXX, Transunion, and XXXX numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.

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 2022-02-08 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: GA

Complaint narrative:
I mailed have called XXXX, XXXX, and Equifax numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I checked my credit report to notice that there was a credit card opened with my social security number with a different name ( XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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:
Hello, I hope this message finds you well. I have been reviewing my credit profile for months now and seen inaccurate information regarding XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) in collections as XXXX XXXXXXXX. They are reporting on my profile more than once. The status is reporting as a charge off. It is my understanding that once you are in a charge off payment status there is not suppose to be a balance that is reporting. They have a balance reporting as well as inaccuracies across the board where the date open and date of last active differs between XXXX and Experian. XXXX reports the same account with a status of late 120 days. The entire account is not reporting the same and I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged account. This makes me angry that my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Doesnt ' this goes against FCRA ? 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are the dates that i've mailed out letters to each Bureau

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 2022-02-08 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: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
on the one inquiry dated on XX/XX/2022 the company check into XXXX XXXXXXXX telephone # XXXX would put me through a series of diffrent departments then the phone call would alw3ays drop on numerous calls. Inquiry # 2 company name XXXX phone # XXXX i spoke with an associate to inform them i had no recollection for this credit account, i was told to pursue the matter with XXXX in order to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I think the private loans from Navient need to be forgiven. XXXX XXXX is no longer a school and I have an Outrageous amount of student loan debt. I was lied to. I was promised job placement after I graduated and had no help. I am not using the degree I am paying for. I had to have a co signer while attending school on a loan or I couldn't continue so I got someone he signed for 1 loan and ended up with several in his name. I also got married before I graduated and the financial aide personal didn't want to change any paperwork. This school was shady and the loan company was. The school was not accredited and I am unable to further my education. I pretty much have to start all over again. 

My email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NORTHWEST BANCSHARES INC
State: OH

Complaint narrative:
I was charged a Title fee in my paperwork from the dealership. The bank Northwest actually holds the tile but want me to pay this fee again to get a replacement Title.

If I am to pay this Title fee again Northwest Bank will need to refund me {$15.00}. I paid this fee once Northwest Bank is in procession of my original title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
We signed a purchase contract for a new house on XX/XX/XXXX with tripointe homes. I was told by the sales rep that they had an in house lender ( tripointe connect ) which is partly owned by Loan Depot, and would receive a lender incentive toward closing costs of {$7500.00}. I spoke with a loan officer who quoted me a rate of 2.99 % with no points on a 30 year fixed rate mortgage. We called around to other lenders and all including tripointe connect were within .125 % of each other. We elected to use tripointe connect to take advantage of the {$7500.00} incentive. We were told that the longest lock available was 6 months and would include a one time rate float down that could only be done within 45 days of closing. Until then the rate would be floating. In XXXX we locked the loan for 6 months at 3.25 % with a rate adjustment of .25 % to account for the 6 month lock. Therefore our rate was locked at 3.5 % with an anticipated closing date of XX/XX/XXXX. The 6 month lock gave us extra time to account for any delays. Our lock expiration was XX/XX/XXXX. On XX/XX/XXXX We contacted the loan officer to see inquire about excersising the one time float down. We were told that rates had risen and were above 3.5 %. Loan Derpot 's rate sheets were available on the internet and showed that we should have been able to float down to 2.99 % with no points. I asked why we weren't being quoted the 2.99 % rate that we were qualified to have. We were told that the branch manager would contact us to discuss our concerns. When the branch manager called he told us that I wasn't understanding what I was reading. I was in the mortgage business for several years and understood perfectly how to read any rate sheet. Our belief is that we were quoted a low rate to entice us to to use tripointe connect. Once we were contractually obligated to use the in house lender there was no longer an obligation to quote a proper rate. They had no idea that there rate sheets were available to the public. We believe this is an ongoing problem with this lender that could effect hundreds if not thousands of borrowers. We believe that their actions constitute fraud and a violation of the fair lending act. We have attached a copy of the rate sheet for the date that we contacted the loan officer regarding the float down/

Company response to consumer: Closed with explanation