vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: WA

Complaint narrative:
Village Capital LLC., FAILURE to communicate via HARDCOPY MAIL via USPS . in XX/XX/XXXX, borrowers setup autopay in XX/XX/XXXX, borrower was charged a late fee of {$110.00}, that was caused by unauthorized INCREASE mortgage payment from {$2500.00} to {$2800.00}. due to the servicer actions. the borrower was unaware of increase and XXXX auto payment was returned back due to payment increase towards the Escrow Acct. the monies was for Insurance and the account has the required min amount sufficient to cover the cost for the Insurance Renewal with monies leftover to cover property taxes. The Escrow Account is temporary according to the contract agreement sets to expire in XX/XX/XXXX, but once the insurance and taxes are paid due to Village Capital unauthorized increase the borrowers will have met their requirement and the VA Loan does not require an Escrow Acct. I want a WAVIER to CLOSE account. XXXX I received a Renewal Insurance Notice and sent a copy via certified mail to Village Capital , the Insurance Cost 12 months for a total of {$1400.00}, to cover XX/XX/XXXX - XX/XX/XXXX, the Escrow Account has approx, {$2500.00}. The Borrowers demand the following : ( 1 ) Refund/Credit of [ all ] Late Fees, ( 2 ) Pay the 12 months Renewal {$1400.00}, Insurance Policy, ( XXXX ) Any remaining monies to pay the XXXX, Property Tax, and CLOSE ESCROW ACCOUNT. after monies are paid. I want a full refund for all LATE FEES Charged, and Renewal of Current Insurance. Their Actions are in violation of the Military Lending Act, Washington XXXX Regulations, and ( CFPB ) is a federal agency that regulates mortgage servicing companies. The CFPB enforces laws passed by Congress to protect consumers from unfair practices by lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your help addressing the inaccurate account listed on my credit report. This matter has negatively impacted my reputation as a customer, and I am requesting your assistance in removing these incorrectly reported accounts.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XX/XX/year>, Trans Union responded to the complaints that I submitted in XX/XX/year> via the Consumer Protection Financial Bureau. Please reference case numbers XXXX and XXXX for evidence. In their response, Trans Union stated that a XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX were deleted and no longer reported in my credit report. As of XX/XX/year> the trade lines are still reported in my report fraudulently and I AM demanding that theyre removed. On the other hand, XXXX has not complied with credit reporting and consumer law by reviewing the evidence Ive provided and deleting both trade lines from my credit report based on the improper and fraudulent use of my credit report. Reporting the trade lines are a violation of the FCRA. Under section 1681s-2B of FCRA 15 USC 1681 et seq, the credit reporting agencies and the companies that provide those agencies information must adhere to law that disputed information that is not verified has to cease and be removed. I setttled a debt via 1099-c. I paid a portion and the remainder of debt was forgiven via a cancellation of the debt and reported as income to the IRS. This triggered a taxable event and was reported as income on my tax return. However, the lender, credit furnishers and credit reporting agencies are still reporting the trade-line incorrectly on my credit report as a charge-off despite my escalation of complaints, documentation and references to laws and statues. The trade line should be DELETED IMMEDIATELY. The Fair Credit Reporting Act ( reference 15 U.S.C. 1681a ( d ) 2 ( a ) ( i ) ) prohibits this misrepresentation and inaccurate reporting. Debt cancellation is when a lender agrees to relieve you of your obligation to repay your debt and IT SHOULD NOT BE appearing as a charge off. 1099-C form from a company if they cancel your debt, which is considered income for the consumer. After filing the 1099-C with the IRS, and owing taxes on the canceled amount it should then DELETED from the consumer credit report. This FCRA law applies to transactions or experiences between the consumer and a company. The transaction that has occurred between myself, XXXX XXXX and XXXX XXXX XXXX XXXX is being reported inaccurately with deliberate misrepresentations which is fraudulent.

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 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I went to apply for a new account with XXXX XXXX and they told me I had some car loan from XXXX. This car loan was in my ex wife 's name and I was away in XXXX at the time. I did not know this car wasn't paid off. However, it has been over XXXX  years and they still have an unpaid/open car loan. I am a XXXX XXXX XXXX  and I have a right to a bank account with them and according to banking regulations Credit Unions are supposed to : They never reported this to my credit ; meaning I never knew this loan was due. 

XXXX Credit unions must report the difference between approved limits and outstanding balances for secured loans under Other Unfunded Commitments XXXX Credit unions must charge off loans to the ALLL account when the board deems the loan a loss

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I bought the XXXX XXXX Limited-Edition Bundle in the XXXX website on XX/XX/XXXXXXXX  for {$860.00} through PayPal Pay in 4 installments. I never received the package so I filed a dispute on PayPal on XX/XX/XXXX as XXXX is notorious for not responding to customers. I also filed a claim with XXXX as XXXX asked. The case took a month with multiple back and forth with PayPal ( about why the case was taking longer than expected ), XXXX, and UPS ( multiple investigations about me still not receiving my package. PayPal closed the case in favor on XXXX. I called PayPal customer service and asked if there was anything else I could do and the representative said the next best option would be to dispute with my bank, so I did. I have paid XXXX ( {$650.00} ) of the installments so I disputed those and XXXX XXXX  settled in favor of me and I was credited back that money. However, I was berated with calls and messages from PayPal claiming that I owed the total amount ( {$860.00} ). I contacted my bank and they said they had already notified Payal. To be sure, I called PayPal customer service and was transferred from the general representative to the financial specialist to the Pay in 4 representative to the dispute team with no one understanding my problem. The case has been settled in my favor with my bank, thus I should no longer have to pay anything. A few weeks after submitting a claim to the Consumer Finance Bureau, I received a call from someone at corporate PayPal explicitly stating that I didnt owe PayPal anything and that they were sorry for the events. However, I tried to use PayPal credit for a purchase and I received a letter in the mail on XX/XX/XXXX stating that I was denied because this same installment was delinquent. This has probably already affected my credit score and the PayPal representative deliberately lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported 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 I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 


I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 


Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported 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 I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 


I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 


Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: HI

Complaint narrative:
I called the company to dispute the alleged debt and to let them know I had never had any contact with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: UT

Complaint narrative:
Rausch, XXXX, XXXX, and XXXX XXXX Rausch Sturm LLP ) have attempted to fraudulently collect on a debt collection case ( XXXX ) that was previously dismissed on XX/XX/XXXX ( with a court notice dated XX/XX/XXXX sent out to all parties ) by filing for new motions for default judgements on XX/XX/XXXX. 

The creditor violated the FDCPA by improperly and deceptively attempting to collect on a dismissed case ; and their actions have been misleading, harassing, and often in violation of fair debt collection laws. This could also constitute an abuse of process. Please review these statutes. 1692e - False, Deceptive, or Misleading Representations 1692f - Unfair or Unconscionable Means to Collect a Debt 1692d - Harassment or Abuse 1692c - Communication in Connection with Debt Collection Thank you.

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 2024-12-06 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: MD

Complaint narrative:
This car was involved in car accident before they took possession of this car and the balance is incorrect the account was closed and written off and I never reviewed 1099 please remove and update 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This car was involved in car accident before they took possession of this car and the balance is incorrect the account was closed and written off and I never reviewed 1099 please remove and update 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 explanation
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing in response to your investigation results regarding the late payment reported by XXXX XXXX  on account number XXXX. While you have provided me with payment history and account details, this does not constitute full verification under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which mandates that a credit reporting agency must establish and follow reasonable procedures to ensure the accuracy of the information it reports. Additionally, I must bring to your attention that there is one specific late payment reported on this accountdated [ XX/XX/2020 ]. These payment were, in fact, made on time, and the reporting is inaccurate. Even more troubling, the other major credit bureaus correctly report this account as Paid on Time. I respectfully request that you conduct a thorough investigation by : Contacting the creditor directly to confirm the late payment and obtaining specific documentation to substantiate its accuracy, providing me with the name, address, and contact details of the data furnisher, and confirming the specific records and methods used during the verification process. If you can not provide adequate proof of the accuracy of these reported late payments, I request their removal from my credit report as required by law. Thank you for addressing this matter promptly. I look forward to receiving a written response detailing the steps you have taken to ensure compliance with the FCRA.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I had an electronic payment that didnt go through to BMW financial services and then the company reported me to the credit agencies without notifying me that my payment was late. I advised them that I was never notified that the payment didnt go through. They admitted that they never notified me and advised me that they would consider this but they then proceeded to refuse to help me resolve the issue. BMW financial services is a company that destroys their customers credit and then refuses to help them resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Company response to consumer: Closed with non-monetary relief