vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: MO

Complaint narrative:
XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion XXXX XXXX, FTC complaint # XXXX I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX ) - XXXX Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion may be discriminating against me based on my social security number, which begins with a 4. It has come to my attention that individuals of minority status, particularly those of the XXXX faith, have experienced similar issues with TransUnion. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-12-21 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: MO

Complaint narrative:
XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion XXXX XXXX, FTC complaint # XXXX I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my XXXX XXXX. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX ) - XXXX Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low XXXX XXXX. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion XXXX be discriminating against me based on my social security number, which begins with a XXXX. It has come to my attention that individuals of minority status, particularly those of the XXXX faith, have experienced similar issues with TransUnion. This leads me to believe that there XXXX be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-12-20 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: OH

Complaint narrative:
I have contacted each company and requested that this information wasn't authorized by me. I have not given written consent for this information to be reported to any company. I am a victim of identity theft. This request isn't being made in error, Please see attached documents.

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 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I recently filed bankruptcy and lost online access to my mortgage account, which makes it impossible to make online payments to my mortgage company. I was told that due to my bankruptcy, their policy is to shut down online payment access and only allow certain methods of payment, many of which cost upwards of {$15.00} to {$30.00} per payment method ( XXXX XXXX, XXXX 's Check, etc. ). I spoke with a " bankruptcy XXXX '' within my mortgage company on XX/XX/23 and they refused to restore access to my online account and basically demanded that I send in my payments either by XXXX XXXX, a Cashier 's Check, or a personal check. Considering all of the check fraud present in this world, I am not about to mail off a personal check and risk losing my entire life to someone washing a check and changing the amount on the check. This mortgage company is taking away my liberty and choice of making payments the way I want to make them without having to incur additional fees. This is not the first time they have locked me out of my online account. I am stuck with this company until my home is paid off or I win the lottery. Neither of which will happen anytime soon. How can a company take away a payment choice without notification?

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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I went to the bank to open the account but after processing my information, the relationship banker is unable to open the account without giving me any information, they are only giving me the phone number to contact BOFA. I called this number with the option XXXX and the representative told me I have to go to the bank to open the account online which I have already done. I went back to the bank but the banker refused to help 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 2023-12-20 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: CA

Complaint narrative:
I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work two jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my mental health. I insist you remove any and all inaccuracies because it is a violation of my rights.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been applying for credit cards but I am being told that my score can not be computed because I have no XXXX score, but around XXXX I did have a fine score., now I can not apply for credit due to this fact

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been applying for credit cards but I am being told that my score can not be computed because I have no XXXX score, but around XXXX I did have a fine score., now I can not apply for credit due to this fact

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 2023-12-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I was gifted a {$100.00} Vanilla Visa gift card by my former employer on my last day of work on XX/XX/2023. I have kept the gift card unused and unpackaged in a secure location in my house until today when I attempted to use it at food spot. The card was declining, so i decided to check to see if it needed to be activated and it turned out that a transaction was made on XX/XX/2023, at XXXX XXXX  at a XXXX for exactly {$100.00}. I have no idea how this transaction was made given that my card was still packaged up and was in a secure location in my house. I have tried to report the unauthorized transaction on Vanilla website, but it seems that the option to dispute online has to happen within 60 days. Vanilla Gift customer service number has no live help so I don't know how I can possibly reach out to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX has continually harrass me for payment through phone calls and emails even though I was granted a discharge under the XXXX XXXX XXXX XXXX. I have uploaded copies of the judgement from Department of Education on several occasions starting XX/XX/2023 when my loan forbearance expired. I again uploaded the letter in XXXX, both copies are sitting in the document upload file on line. I submitted a complaint to Nelnet in XXXX and XXXX uploaded a copy of the letter. I get XXXX to XXXX phone calls a week they leave messages. I call them back and get an answering message that it takes XXXX minutes to an hour for someone to answer then it hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Today XX/XX/XXXX at XXXXXXXX XXXX XXXX I received an email from Nelnet stating that my account had been placed on an administrative hold, and that interest would continue to accrue on this account until the hold is resolved or cancelled. I had requested to be placed on the SAVE plan on XX/XX/2023 and have since received regular emails that my application was " in process ''. The same day ( XX/XX/2023 ) I placed a call to Nelnet 's customer service line looking for additional information and was told the same, that any interest accrued would be added to my balance, and there would be no recourse for me to be reimbursed for the interest being charged to my account. 

The failure of Nelnet to process my application in a timely manner is adding interest that I otherwise would not be financially responsible for given the timely processing of my Income Driven Repayment Plan and is thus financially injurious. The bottom line is that I am being asked to be financially responsible for the malfeasance of Nelnet in their contracted duty to service loans for the Federal Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NV

Complaint narrative:
Unauthorized inquiries placed on my consumer report that I gave no permission nor authorization to pull my credit remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a notarized dispute letter to Transition. The notarization included my wet signature and a notarized stamp that proved the dispute documents were singed by me. Transition then sends me a letter indicating that they won't process my request because it " doesn't seem like the documents came straight from me ''. They also indicated that I am working with a third party credit repair company. Causing for the investigation to extend past the deadline of 30 days. I am not working with a third party, and I demand an answer within the 30 days of sending that letter. False statements are being reported on me in my credit report by this credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I have called Shellpoint/Newrez mortgage no less than 5 times. The title company i am working with also called at least that many times. I am the personal representative of an estate. The decedent has a mortgage liened on her home serviced by Shellpoint/Newrez . All I know is the mortgage is still recorded and not satisfied. 
I have sent written requests to Shellpoint/Newrez via email, mail and certified mail on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023. I HAVE RECEIVED NO RESPONSE TO MY INQUIRES. 

Everytime I call, they tell me something different. A Shellpoint/Newrez representative verbally verified that the loan has been written off ; however, no satisfaction of mortgage has been filed. A different Shellpoint/Newrez representative said there was {$200.00} outstanding. I sent a {$300.00} payment to satisfy the outstanding balance and my payment was received and cashed, but they still have not sent the satisfaction of mortgage or a letter to me indicating the status. 

This company is horrible and noone knows what is going on or can provide ANY information about the loan. Everytime I hang up they promise follow up and they have not followed up ONCE. Terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
Spring Oaks Capital LLC is operating using iniquitous tactics towards consumers. 

They have reported an item to my credit file on XX/XX/2023 and heinously again on XX/XX/2023. 

I can't imagine what their motives might be other than to deliberately deface consumer 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
I am following up on a previous dispute that was filed XX/XX/2023 in which I requested that a account listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( 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 know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX | Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MI

Complaint narrative:
I previously had a discover card, in good standing. Circumstances raised that required me to close the account, however the account was paid off, no balance. I recently applied for a new discover and was denied for the card. Unclear I called and left with more questions than answers. I was told by the first agent that my app was denied because the account was included in bankruptcy. I explained that the card was a t XXXX balance so it is not possible that it was included because there was nothing to include. I have yet to get a resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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