vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2023, I submitted an address correction letter, but Experian did not delete the issue. I still currently have XXXX names and XXXX other addresses that remain on my report. On XX/XX/2023, I submitted a reinvestigation letter, nothing was corrected. I submitted a follow-up reinvestigation with more inaccuracies that I noticed on my report XX/XX/2023. I tracked the mail that I sent off and saw that the letter was received at their front desk XX/XX/2023, at XXXX in XXXX XXXX XXXX  after Experian XXXX to fix the errors during a previous re-investigation. It is now going on day XXXX and Experian did not dispute or notify me with any alert saying that the reinvestigation was in process. They ignored my request. Experian was obligated to do an investigation way before I put them on notice the first time, but they did not because I found multiple inaccuracies on my credit report. I no longer want to depend on them to investigate these accounts. They assumed this role and failed to play their part. They response is untimely ; let alone they did not respond at all. Please block and delete all inaccurate accounts from my credit report. This has affected my livelihood, and I can not even move forward to get a new home for my wife and I because they are holding us back!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/, MOHELA uploaded a letter in my message center notifying me that my account was placed on an " Administrative Forbearance '' due to more processing time needed on their behalf to update my account information. The letter was dated for XX/XX/XXXX  but uploaded on XX/XX/. This is in regards to me updating my *family size* for my already- approved IDR SAVE plan. 
The administrative forbearance was said to begin on XX/XX/XXXX  until XX/XX/3, where no payment was due towards my loan and my loan amount was set to {$0.00}. 

I called immediately on XX/XX/XXXX  and clearly asked for this Administrative Forbearance to be removed, as I do not want it to hinder my progress towards achieving Public Service Loan Forgiveness ( PSLF ). The XXXX $ payment would have jeopardized the month of XXXX ( no payment due ) to not count as a qualifying month towards my PSLF. 

Mohela submitted the paperwork to remove the " processing forbearance '' on XX/XX/. The customer service representative ( in-training ) said the request should take 3-5 business day from that day. 

I called MOHELA on XX/XX/, which was the 5th business day from my request being submitted formally. I also called on XX/XX/, which was the 10th business day from my formal submited request. The forbearance is not yet removed. 

XXXX I willingly made the payment of {$35.00} towards my account even though no payment was due for XXXX. This is the amount that was determined for me following my IDR SAVE confirmation. 
XXXX- Upon calling on the 10th business day to check in on my request to remove the forbearance, the agent told me that Processing forbearance will count towards PSLF. Its not your fault its because we are backed up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi, In XX/XX/XXXX  ( COVID pandemic started ), I could not make payments on my CITIBANK personal loan. I visited the nearby agency in XXXX XXXX, CA, hoping for assistance, but they directed me to call a specific number. I diligently made multiple calls, enduring over two hours of wait time on each attempt, yet I never managed to speak with a representative. Frustrated by the lack of communication, I decided not to make my loan payment for XX/XX/, hoping that someone from CITIBANK would eventually reach out, allowing me to explain my situation. 

However, XX/XX/XXXX  came and went without payment from me. I resumed making payments in XXXX, but unfortunately, a " LATE PAYMENT '' notation appeared on my credit score due to that missed payment. I have made numerous attempts to rectify this situation by contacting Citibank and disputing it with XXXX, but regrettably, I have not seen any positive resolution. 

Since this incident during the early days of the COVID-19 pandemic, I have consistently honored all my financial obligations on time. I hope you can assist in resolving this matter, as the persistent presence of this " LATE PAYMENT '' on my credit score has significantly impacted my overall credit rating. 

Unfortunately, I have nothing to document this since everything was over the phone or verbally to an agent. 

Thank you. 
All the best,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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:
In accordance with the Fair Credit Reporting Act XXXX ACCT 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 non-monetary relief
Consumer complaint received 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
First Issue : Incorrect Escrow Charges and Mishandling of Account Two ( 2 ) written requests for an escrow account analysis. ( XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ) Multiple verbal requests for an escrow account analysis. ( XX/XX/XXXXXXXX  - two phone calls, XX/XX/XXXXXXXX  phone call, XX/XX/XXXXXXXX  phone call, and finallyXXXX phone call ) Six ( 6 ) requests for substantiation of basis for reasons overcharging escrow account with respect to our property taxes by more than {$10000.00} - these dates are detailed above. 

We submitted our XXXX XXXX, NJ tax roll showing our last two full tax years at less that $ XXXXyear and have requested that they substantiate the basis for charging us over {$10000.00} more on our escrow raising our monthly escrow charge from {$1200.00} to {$1900.00}. We have a real estate tax abatement until XXXX of XXXX  and our taxes have remained fixed and have been below {$13000.00} for four straight years. This was after they started XXXX  only charging us {$150.00} and paying us an overage at the end of XXXX. We are on a fixed rate mortgage and have fluctuated against escrow accounts from {$120.00} to over {$1900.00}. 

When they did not respond in XX/XX/XXXXXXXX  we have been withholding our payments in order to leverage them to fix the issue. 

On XX/XX/XXXXXXXX  phone call, they put in a work order on our account management. But then when they transferred us out of escrow we only got customer service department people that threatened us and only wanted to collect the debt and refused to discuss the ongoing issues. 

Second Issue : Did not pay Homeowners insurance as bound by our mortgage agreement and our insurance was cancelled and we had to find new insurance. 
They ignored all contacts for payment, and then blamed us. We had to produce the mortgage documents to them and only then did they acknowledge that it was their responsibility to pay the homeowners insurance. We had to scramble to find new coverage. Nevertheless, they refused to pay any difference in insurance and exposed us personally. They took no financial accountability of their wrong doing. They then tried to charge us in Escrow for it when we now pay it directly due to their mishandling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
I had {$25000.00} of federal student loans serviced through EdFinancial. I made {$20000.00} of payments to these loans which EdFinancial correctly states. I refinanced the remaining {$5000.00} of loans through XXXX on XX/XX/23. It has been nearly two months and EdFinancial has not reflected this final payment and has even accrued interest on the amount that should have been paid off. I reached out to XXXX and received proof that they made this payment to EdFinancial on XX/XX/23 and it is attached to this complaint. I reached out to EdFinancial and they only shared me payoff information that I made myself and did not address how the remaining {$5000.00} is not being reflected. This was after a phone call and many emails that were not responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ACCT. # 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 2023-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I disputed the information on my credit report in XX/XX/XXXX. The information came back incorrect on my credit reports, and the balances are different. I did not receive any documentation of the debt in question. The debt was reported in XXXX and is reaching the statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
On XX/XX/2023, received debt collect email for {$510.00} from Columbia Debt Recovery llc dbz Genesis for XXXX which is over XXXX lofts apartments. This amount was a false move out fee which was already disputed with the apartments years ago. In fact they still have a {$500.00} deposit which we never got back which is supposed to go to fees like the one they made anyway, but again the move out charge was already disputed and the apartment could not even prove the charge just sent random photos of a clean apartment. Even just taking a look at the XXXX pages for Genesis, and XXXX there are thousands of complaints of fraud and people having to take them to court every year. Also hundreds of reviews on XXXX how the Genesis employees verbally abuse and harass people. After multiple calls with Genesis who even they saw that the {$500.00} deposit money is on the lease and we never saw any of it, they keep saying they tried to call XXXX over and over but never get a response back. This has made a negative report on our credit scores for a false charge as well as our security deposit money being withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I purchased a used XXXX XXXX XXXX from a XXXX dealership in XX/XX/XXXX. During the process of signing the paperwork, I was told the selling price would be XXXX but after getting home and looking over the paperwork with the finance company I seen the price total with Credit Acceptance is XXXX. I had to put a down payment of XXXX in order to get the vehicle. The problem I am having is the finance charge is 20.99 % totaling XXXX making the total payments owed minus the down payment is XXXX. I inquired with the loan company and was told on numerous occasions that my credit was not good, but I assumed that was why I paid the higher down payment. This is not the first time I have financed vehicles and now the vehicle is out of warranty where the radio is not covered, and my panoramic sunroof is not secure and the driver 's side door was like someone tried to break into the vehicle. The windshield had a small chip on very end of the windshield which over a few months has spreaded across the windshield with record heat days the last few months. The salesman at that time told me it was covered under warranty, and I could bring it in, and they would repair these problems. I have yet to get any of this fixed as well as get an explanation of why I am being charged an additional XXXX to the amount the vehicle was sold for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ACCT. # 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The credit bureaus Equifax, XXXX and XXXX are reporting information that I do not recognize as correct, I have repeatedly sent letters asking them to report correctly, but they do not, they report some duplicate accounts and continue to say that they are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The credit bureaus XXXX, XXXX and Experian are reporting information that I do not recognize as correct, I have repeatedly sent letters asking them to report correctly, but they do not, they report some duplicate accounts and continue to say that they are correct.

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