vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have been having multiple issues with this company and they still refuse to update the false credit reporting. I was under the covid forbearance program and while i also had significant issues with that process, they are refusing to comply with the terms and still reporting the forbeared amount ( {$11000.00} as delinquent ). I have resumed making my payments consistently since XX/XX/XXXX and also in some cases made more than my regular payment amount and they have not been applying the excess amount correctly. 
They have also reported incorrect information in my credit reporting which was reported XX/XX/XXXX. These are all the incorrect information to date : 1. Reporting forbearance from XX/XX/XXXX through XX/XX/XXXX ( 17 months ) instead of 9 months ( please note that they should not be reporting this in the first place per CARES ACT ) 2. XXXX XXXX XXXX payment late even though they received payment per transaction report I pulled from their page. This XXXX transaction statement showed I pay {$1400.00} monthly and they only apply {$1300.00} which is incorrect. 
3. Month end balance as of XX/XX/XXXX is {$160000.00} and they are showing {$170000.00} 4. They are showing a monthly payment of {$1300.00} on credit report even though my monthly payment is {$1300.00} The number of inconsistencies is mind boggling to say the least. I called again today and spoke to XXXX who was beyond rude and asking me to email their support team even though I have done this on multiple occasions with no response to date. 

This loan servicing company is not complying with regulations and especially not following Section 6 of RESPA as they have refused to respond to any of my written requests. Please see attached the request emailed and sent to them on 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 non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been having multiple issues with this company and they still refuse to update the false credit reporting. I was under the covid forbearance program and while i also had significant issues with that process, they are refusing to comply with the terms and still reporting the forbeared amount ( {$11000.00} as delinquent ). I have resumed making my payments consistently since XX/XX/XXXX and also in some cases made more than my regular payment amount and they have not been applying the excess amount correctly. 
They have also reported incorrect information in my credit reporting which was reported XX/XX/XXXX. These are all the incorrect information to date : 1. Reporting forbearance from XX/XX/XXXX through XX/XX/XXXX ( 17 months ) instead of 9 months ( please note that they should not be reporting this in the first place per CARES ACT ) 2. XXXX XXXX XXXX payment late even though they received payment per transaction report I pulled from their page. This XXXX transaction statement showed I pay {$1400.00} monthly and they only apply {$1300.00} which is incorrect. 
3. Month end balance as of XX/XX/XXXX is {$160000.00} and they are showing {$170000.00} 4. They are showing a monthly payment of {$1300.00} on credit report even though my monthly payment is {$1300.00} The number of inconsistencies is mind boggling to say the least. I called again today and spoke to XXXX who was beyond rude and asking me to email their support team even though I have done this on multiple occasions with no response to date. 

This loan servicing company is not complying with regulations and especially not following Section 6 of RESPA as they have refused to respond to any of my written requests. Please see attached the request emailed and sent to them on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2021, XXXX charged me {$89.00} arrive XX/XX/2021 to my Capital One XXXX # XXXX, UNAUTHORIZED by me. XXXX pre-charges and slammed my Capital One card # XXXX illegally without my authorization. I did not make the charge. Consumer Fraud by Capital One and XXXX. I did not receive any services from XXXX. On XX/XX/2021, I filed a dispute to Capital One and NEVER received any Capital One letters dated XX/XX/2021 and XX/XX/2021 and no merchant response letter of evidence from Capital One. The date and the charge are wrong for it never existed. I have no receipt for this charge for I did not make this charge EVER. Consumer Fraud by both Capital One and XXXX. Nothing delivered to me. Deceptive business practices by both XXXX and Capital One for STEALING my {$89.00} from me and charging me interest since XX/XX/2021. Capital One today refuses to send me the XX/XX/2021 and XX/XX/2021 letters=the letters don't exist. Consumer Fraud. Capital One failed to disclose proof of debt=there is no proof of debt for I did not make the charge. I was scammed by Capital One and XXXX. Capital One did not follow the charge back rules and laws defrauding me of my {$89.00} and scammed me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This company XXXX XXXX Account Resolution Services has been reporting alleged debts, but has not/ can not give me validation or verification for any of these alleged debts. They continue to attempt to collect by publishing it with credit reporting agencies, which is a violation of my rights under FDCPA, their duties under the same and I have sent them a second request to validate and verify this and identify themselves with their EIN so that I can inquire with the IRS if they have requests funds under my name ( FRAUDULENTLY ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Between XXXX XXXX XXXX, Equifax reported a NEW OPENED account from XXXX XXXX. 

On XX/XX/2022, I called XXXX XXXX ( creditor ) to inquire on this because No new account has been opened on my behalf. XXXX XXXX staff stated that Equifax notified them of the Error on their behalf ( Equifax ) and will reach out to the consumers that were impacted to correct this error. 

I filed a dispute with Equifax on today XX/XX/2022 in regards to this matter. A manager at Equifax informed me that it will take Equifax 30 days to complete the investigation. I explained to him that it should not take Equifax 30 days because this is completely Equifax mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, we received our mortgage statement for XX/XX/XXXX and noticed that our mortgage payment increased from {$4000.00} to {$4300.00}. When we inquiered about the increase we were told that our flood insurance had lapsed and that there was a force-placed insurance policy. 

We secured a one-year policy and submitted the information to United Wholesale Mortgage XXXX as directed. 

Seeing that our mortgage payment was not adjusted back to the original amount we called United Wholesale Mortgage on XX/XX/XXXX ( on a recorded line where the representative was rather rude ) it was explained that the policy had lapsed in XX/XX/XXXX. We closed on our mortgage on XX/XX/XXXX. 

On that phone conversation, we expressed that we were never notified of any issues with our insurance, ever. We requested that the representative send us copies of any notices or letters that had been send to us, and we also requested full information on the policy that was force-placed : who the company was, when the policy went into effect, etc. 

Today is XX/XX/XXXX and we have yet to receive any information. 

We dug through our online account dashboard, through all the notices and statements and information, and found nothing regarding and lapsed policies or information on a force-policy. 

We have since been very patient, giving this company enough information and ample time to review and look into this, even suggesting that the matter be escalated, but we have gotten no responses relevant to our inquiries. 

We have had a couple of phone conversations with United Wholesale Mortgage on what they keep reminding us are on a recorded line, where we request that proof of notices be sent to us, and have seen nothing to date. 

We are filing this complaint due to of the policy that was force placed on our account, because we were never notified of a lapse or any issues with our account and we are disputing the following disbursements that were made from our Escrow account : XX/XX/XXXX : - {$1200.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} I will attached the written request communications as of XX/XX/XXXX, but again, there are phone conversations that happened previous to these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account 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 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 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account 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 explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JTM Capital Management, LLC
State: MA

Complaint narrative:
There is a charge off on my XXXX, XXXX, and XXXX credit reports that was purchased by JTM Capital Management LLC in XXXX of 2018. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they dont, theyre in violation of the act. I have attempted to contact JTM Capital numerous times by phone and letters, they do not answer the phone or haven't responded to my certified letters and it has been over 3 months. JTM Capital is involved in numerous lawsuits about the same issue I'm having. I have also sent debt verification letters with no response. JTM Capital doesn't have the legal right or license to operate in my state of Massachusetts making this debt void also. I demand that this charge off be removed from my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a Method of Verification letter on XX/XX/2022 to Equifax they have not responded to the letter. It has been over 100 days and they are now in NON COMPLIANCE per 15 USC 1681e. I also sent an AFFIDAVIT OF TRUTH XX/XX/2022 in which Equifax has blatantly disregarded. Equifax has 30 days to respond to the AFFIDAVIT OF TRUTH it is now 60 days past due. ALL OF THIS FALLS UNDER NON COMPLIANCE PER 15 USC 1681e. I also have Certified Mail Receipts To Prove Equifax is disregarding my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX XXXX credit card run by Alliance / Comenity Bank does not fulfill the promotion that they are advertising. This offer is currently displayed on their home page ( XXXX ), Get 5 % back on an XXXX XXXX  gift card when using your XXXXXXXX XXXX  credit card with 6 or 12 months financing on purchases over {$990.00}. 

We made a purchase under these terms on XX/XX/2022, and XX/XX/2022, and have not received the promised gift card. 

When I called XXXX XXXX on XX/XX/2022, the rep said the bank was responsible for fulfilling this and provided me with Alliance Bank contact info ( XXXX ). When I called Alliance Bank, the first rep said they were not aware of this offer. The second rep at Alliance Bank said this gift card should have been sent out within six weeks of our purchase, and then she dropped the call. The third rep at Alliance Bank informed me that XXXX XXXX is responsible for fulfilling this offer. 

It is a fraudulent posting as neither XXXX XXXX nor Alliance Bank are not fulfilling what they offer. This is false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received an outstanding collection for {$1500.00} onto all XXXX of my my credit reports however I was never notified by mail email or phone in regards to this collection being sold charged-off written off or transferred. 

I Mailed a dispute letter via certified mail to all three credit bureaus Equifax XXXX XXXX and XXXX. I requested that they investigate the matter. 

The FDCPA states that debt XXXX must provide the following information in writing within XXXX days of first contacting debtee : Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Amount {$1500.00} Status Date XX/XX/XXXX Balance Date XX/XX/XXXX Designator code individual account Account number ending XXXX XXXX By law I am required to know who, not title unknown is utilizing financial information on my behalf. 

This collection is in violation of FDCPA. 

( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
( XXXX ) The false representation or implication that documents are legal process. 
( XXXX ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 
( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. 
( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section XXXX ( f ) of this title. 
XXXX XXXX XXXX The dispute letter requested that Equifax XXXX XXXX and XXXX Please verify that all information pertaining to my credit report is 100 % correct by providing the following items. 

*Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) * Other Financial Information XXXX you are unable to verify the account with the original documents, the information must be deleted from my credit report within 30 days. Please respond in writing within 30 days of receiving this letter. 
Thank you for your attention to this matter. 

The FDCPA states that debt XXXX must provide the following information in writing within XXXX days of first contacting debtee : All companies involved have failed to properly notifying me of these debts by surpassing the statue of limitations given under the rule of law. 

Below are signature upon receipts that Equifax, XXXX XXXX, and XXXX have received each dispute letter applicable for the debt in question. It has been now 30 days and No credit agency has responded via certified mail, email or phone. 

This is a violation of the XXXX. 

I have attached all documents that support my complaint. 

I humbly request that the CFPB assist in deleting this unlawful collection from all XXXX major credit bureaus.

Company response to consumer: Closed with explanation