vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I did a refinance in XX/XX/XXXX, To make the complaint bluntly clear i was mislead and given incorrect information by rocket mortgage to get a deal done. Also, I asked about other product or programs, they advised me that this was my only option. Only to find out this was not my only option, there was other options but they just picked 1 for me. I specifically asked for all options and was lied to. I have contacted them on numerous times and have been blown off, stating the deal is done nothing can be done. This is just the craziest situation I have ever been in. I believe they looked at my credit score and see that i pay my bills and seen that i was a easy deal to push through. I did a previous transaction with them, smooth as pie. So with that being said i really trusted the company only to find out my mortgage would not go down. I literally went from XXXX per month to XXXX thinking my mortgage would be going down in 3 months and that did not happen. I ask them to do something about it, all they could tell me was the deal is done but you can refinance again to get it down. I'm like wait huh!!!! NO! I don't know if this is a tactic that they use for business but they are making money off telling customers lies and its not fair. I'm sitting here scrapping XXXX  to pay this mortgage I thought would be another amount. I'm really upset, and i don't know what to do but i need help with this situation before i end up losing my house over the company taking advantage of me. This is not a game to me, their a bank it might be something small, but this is me and my children 's life that is at stake and where we live. I been in this home since XXXX brought for XXXX now i owe rocket mortgage XXXX. Might sound like XXXX  but over 30 year period it adds up with interest and for a company to take advantage this is top tier and issue. I'm thinking how many others have had this issue, are they just doing this to XXXX XXXX  with could credit that might not fully understand all the plans/ programs that are available. Its not right someone please help me i truly need it. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: NC

Complaint narrative:
microbuilt consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys

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 2024-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
I contacted Sallie Mae about an income based repayment plan to pay back my loan. I gave them my monthly expenses and informed them Im starting school admin for my XXXX this XX/XX/year>. The amount theyre asking me to pay exceeds what Im able to pay. Theyre asking for {$280.00} a month. I asked if that could be adjusted and they said its the only option.

Not only is it the only option but after two years Ill be required to pay {$580.00}. Which I definitely cant pay. I want to pay off this loan I just cant afford {$280.00} a month. 

Theyre threatening to send my loan to collections but this is not fair seeing that I WANT to pay off the loan but just need a better repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-26 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I deposited a check for {$18000.00} into my account on XX/XX/year> and was told the fund would be held for two days. The check should have cleared on XX/XX/year>. The funds were debited from the payers account XX/XX/year> but were not made available to me. Chase came back later to say that the funds would be held until XX/XX/year>. This caused a significant ripple effect across my account that caused NSFs with my payroll and various other payments that should have been posted to the account. I was not aware of the additional hold until XX/XX/XXXX. Chase charged me {$640.00} in service fees to the account because of this but only refunded {$100.00} of the fees. This issue has led to significant NSF charges with XXXX, our payroll provider, because they tried to redebit the account and the funds were still on hold. XXXX is terminating my payroll account with them because of Chase 's issue. 

When I look at my account on Chase now, it says those funds posted to the account on XX/XX/year> and shows my balances calculated from that day, which is a complete lie because I see the letter in the account of when they placed the additional hold as well as additional letters for the NSF this hold caused. Chase is lying to save face here as they held funds needlessly when XXXX had already cleared the funds on XX/XX/XXXX. Now my business is in jeopardy, I can't pay my people because I have to find a new payroll provider and XXXX is locking my information. All of this was caused by Chase holding funds for money they had already received and just decided to hold them longer because they could.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Bankruptcy - XXXX XXXX  - XX/XX/2024 XXXX XXXX - XX/XX/2024

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 2024-07-26 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have one discover card account. discover is reporting this account to XXXX twice as XXXX different tradeline, XXXX different balance, XXXX different minimum monthly payment, with XXXX different credit utilization that has caused my score to drop significantly while I'm trying to obtain mortgage. 

I reached out to XXXX they said it is an error on the part of the creditor ( Discover Card ) reached out to Discover Card they said they refused to delete the item with effecting bureaus. 
Discover card said they need XXXX days to rectify the issue however I'm under contract for a house purchase and unfortunately, I do not have XXXX days Credit score drop may result in mortgage denial or higher interest rates. 
I am a helpless consumer victimized by creditor and credit bureaus. seeking help from regulatory authority

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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:
These furnishers continue reporting false, inaccurate information on my credit report. Transunion, XXXX and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
Sent written letter on XX/XX/XXXX However I received no response obtaining my written letter to Jefferson capital

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
My money was taken from my chime account and spent through my XXXX XXXXXXXX all activities where done through my lost phone, without my knowledge or permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX, XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-07-26 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX, XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I'm in disagreetment with the account listed bellow wich still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX that starts with XXXX In accordance with the fair credit reporting act, public law 91-506 title VI section 611, provide the names and bosiness addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your re investigation.

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 2024-07-26 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: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 

XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/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 2024-07-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My HELOC loan was transferred to Shellpoint from Specialized Loan Servicing. 
I called the company to find out why I was not receiving a monthly statement after the transfer. I received one statement in XXXX. I did not receive a statement for XXXX. I am not on paperless billing. I use the statements to properly manage my budget. 

My minimum payment with Specialized Loan Servicing was {$100.00}. 
I looked at Shellpoint 's website online, that showed a monthly payment of {$68.00}, and no payment due for XXXX. I am trying to pay off this loan making extra payments to principle. 

There should be no reason for them to not send me a monthly statement. I believe it is required by law. There should also be no reason for them adjust the minimum payment just to stretch-out and to extend this loan.

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I reached out to PHH mortgage and to update my credit report showing that this account has been paid in full and there are no delinquent amounts due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation