vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: AZ

Complaint narrative:
XXXX  XX/XX/2024 two new accounts appeared on my consumer report that I do not recognize and Im not liable for. There was previously a fraud alert active on my account from previous identity theft. No account should be open under my good name. Please remove fraudulent accounts by XXXX. Place fraud alert on my account if one does not exist already. Thank you for your time in this matter is of extreme attention 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 2024-03-15 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: AZ

Complaint narrative:
XXXX  XX/XX/2024 two new accounts appeared on my consumer report that I do not recognize and Im not liable for. There was previously a fraud alert active on my account from previous identity theft. No account should be open under my good name. Please remove fraudulent accounts by XXXX. Place fraud alert on my account if one does not exist already. Thank you for your time in this matter is of extreme attention to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: PA

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you please verify the documents? Several of the listed accounts are inaccurate, and it's unsettling for 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 explanation
Consumer complaint received 2024-03-15 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: MD

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
On XX/XX/2024 I received notice that my XXXXender, PennyMac Loan Services, failed to pay my homeowners insurance resulting in them starting the cancellation process. After over an hour on the phone, I was told that they sent the payment to the wrong company. 

Additionally, PennyMac had failed to pay my county and school taxes properly at least 2 times in the past, resulting in debt collection notices from the county. 

On XX/XX/2024, I called to follow up on my unpaid insurance and ensure the issue was rectified. I was told that my mortgage payment is now increased from XXXX per month to XXXX per month. 

The representative explained to me that they had mismanaged my escrow account. They explained that my account was negative over {$11000.00} dollars. No one had ever reached out prior to me finding this on my own. Not once was I ever notified that my escrow account was being mismanaged or in the negative. 

PENNYMAC is now attempting to collect this debt from me although I trusted them to manage my escrow funds and pay my taxes/insurance promptly. Had I known this would be an issue, I would have managed my own escrow account. I do not believe it is moral or ethical for them to nearly double someones mortgage because they can not manage funds properly. As soon as someones escrow account becomes underfunded, they should be reaching out to address the issue, instead of waiting 2 years until the debt reaches over XXXX XXXX 

I am a XXXX XXXX XXXX American veteran. This is going to put a large strain on my family. I feel PENNYMAC should be held accountable for this shortage. They will not allow me to manage my own escrow account until the debt ( that they created ) is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
I hope this message finds you well. I am writing to seek your legal advice regarding a serious issue that I have encountered with my bank account. Recently, I discovered that my account has been scammed and fraudulent activity has taken place without my authorization. I have reached out to the bank representative of Chime Stride to resolve this matter, but I have not received satisfactory assistance from them. Therefore, I am seeking your help to take legal action against the bank and the culprits who have stolen my funds. 

I was disappointed to see that my ticket was closed without proper investigation and my claim for financial aid was unfairly denied. I did not authorize any of the transactions that took place, and it has only been two weeks since the incident occurred. This was my entire financial aid for school, and its loss has put me in a state of hardship. Upon reviewing my account statements, I noticed over 600 transactions that I did not authorize. This happened over two days, with {$1000.00} being stolen on XX/XX/XXXX, and {$4600.00} taken out of my account on XX/XX/XXXX. I live in XXXX, Louisiana, and visited the XXXX, Texas area over that weekend. I did not make any cash app transactions to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, nor have I been to Florida or California. 

I don't understand how my dispute could be denied for my financial aid, especially when my account was credited for the first day of {$1000.00}. I have been with Chime since XXXX and trusted my financial aid to come to Chime, but it was completely depleted from my account by the same culprits who took the money on XX/XX/XXXX. I am willing to take a loss of {$1700.00}, but a total loss of {$4600.00} is too much. I go to school full-time and depend on those funds. I urge you to take a closer look into this matter and fight for my rights. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
I receive my monthly XXXX XXXX XXXX.on a Direct Express debit card. I have been a customer for over XXXX ( XXXX ) years. 

On XX/XX/XXXX, I attempted to make an online purchase of XXXX bottle of skin tag remover for the listed price of {$29.00}. When I entered my Direct Express card information the transaction was declined.. I then tried to make the purchase using my XXXX XXXX credit card. Once again, the transaction was declined. About XXXX minutes later both these accounts were charged {$190.00}. 

I immediately contacted both XXXX XXXX and Direct Express to report these fraudulent charges. XXXX XXXX conducted an investigation and determined the charge of {$190.00} was indeed fraudulent and removed the charge from my account. 

However, Direct Express determined that the charge was authorized by me, and they soon thereafter closed the case and offer no method of appeal. I have written them several letters to no avail. Common sense would indicate that an XXXX year old man ( DOB XX/XX/XXXX ), depending on XXXX XXXX for support, would not order almost {$200.00} worth of skin tag remover. 

I am extremely diappointed in Direct Express especially since I consider myself a loyal long term customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NJ

Complaint narrative:
I have attempted to contact Security Credit Services for the past 4 weeks now and have been unsuccessful. When I call them, it rings for a few times and then their system sends me to leave a voice message. I have left them over 8 voice messages on different days and weeks and they never reach back out to me. 

The original debt was fraudulent and belonged to a company called XXXX. I previously submitted a dispute and they removed it from my credit report. However, I recently noticed that they put it back on my credit report back in XX/XX/2023, under Security Credit Services, which appears to be a Collection Agency. 

I have tried to contact this agency for weeks and they are unwilling to talk to me. I can't get information on the debt, nor pay it because they are ignoring all my calls. Below is the contact information they left on my credit profile. 

SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
We have been working on selling our house. It was under contract and the transaction was set to close on XX/XX/XXXX. 

In anticipation of closing, the buyers acquired the necessary insurance policies, including a homeowners policy with XXXX XXXX XXXX. Our lender, Navy Federal Credit Union, disbursed a payment of {$620.00} for this insurance policy on XX/XX/XXXX from our escrow account without our authorization. 

On the morning of XX/XX/XXXX, we were notified that the buyers could not qualify for financing and the transaction would be terminated. We were unable to salvage the transaction and we no longer have a contract with those buyers. 

On XX/XX/XXXX, I noticed the disbursement from the escrow account and immediately called Navy Federal Credit Union to request that they correct the mistake. They took my information and told me they would open an investigation and someone would be in touch with me within XXXX days. 

By XX/XX/XXXX, I had not received any communication from Navy Federal Credit Union about the matter, and the funds had not been returned to the escrow account. I called to request a status update and was informed that the investigation had been closed out, but there was no information as to what the result of the investigation was nor if any action had been taken. I repeated the entire string of events to the customer service agent, and they opened a new case to investigate. I was told again that someone would be in touch with me within XXXX days. 

Between XX/XX/XXXX and XX/XX/XXXX, I still did not receive any communication on the matter despite calling XXXX additional times. Each time I have called, I was told the same thing : the person working on my case is " unavailable '' and they will call me back later. I have been promised multiple times that I will receive a callback. I have been told that the case has been " escalated to the highest possible level '' and that " an urgent request has been made to return the funds ''. There's been a lot of talk, but no perceivable action. 

The funds should not have been removed from our escrow account in the first place. We did not provide any authorization to have those funds disbursed. Based on how Navy Federal Credit Union has handled this matter, it feels like they have no interest in correcting their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-15 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my 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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: WI

Complaint narrative:
FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you kindly review the paperwork? Several of the enumerated accounts contain inaccuracies, causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: FL

Complaint narrative:
I called your department after I purchased a credit report with XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late closed and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these XXXX XXXX and collection, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my XXXX XXXX  XXXX are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS XXXX XXXX XXXX XXXX XXXX  ; Inquiries : XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: FL

Complaint narrative:
I called your department after I purchased a credit report with MyFreeScoreNOW After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late closed and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these XXXX XXXX and collection, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my Social Security XXXX are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXXXXXX XXXX  XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: OH

Complaint narrative:
These inquiries were not initiated by me and I firmly suspect their authenticity. I implore you to conduct a thorough investigation and promptly delete them from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A payment in the amount of {$1600.00}, which was the last balance due as of XX/XX/XXXX, was sent and delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX on XX/XX/XXXX. I have attached the confirmation that XXXX XXXX received this payment. I have confirmed with my bank that XXXX XXXX held this check and never credited my account. Instead, XXXX XXXX continue to withdraw funds from my bank account in the months of XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX. Now, XXXX XXXX charged me finance charges XX/XX/XXXX in the amount of {$320.00} and again in XXXX in the amount of {$310.00}. for an account that was paid in full since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief