vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I have submitted all proof of payments to XXXX from XX/XX/2023 until XX/XX/2023. I have sent proof showing that all payments were all made on time and never 30 days behind. Please update the late payment from XX/XX/2023. Please send proof of the late payment as per my bank statements were paid on time. I have been fighting this a long time and the creditor continuously move the late payment from month to month. This is affecting my credit and I am trying to get if taken care of as I do pay my bills monthly and on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I have submitted all proof of payments to XXXX from XX/XX/2023 until XX/XX/2023. I have sent proof showing that all payments were all made on time and never 30 days behind. Please update the late payment from XX/XX/2023. Please send proof of the late payment as per my bank statements were paid on time. I have been fighting this a long time and the creditor continuously move the late payment from month to month. This is affecting my credit and I am trying to get if taken care of as I do pay my bills monthly and on time.

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 2024-01-12 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Guild Holdings Company
State: TN

Complaint narrative:
My Mortage is held by guild mortgage. Since XX/XX/XXXX, I have been trying to get the company to submit updated information about my monthly payments to the credit bureaus. I have received emails saying they are going to investigate ; however, nothing is ever updated and my credit report is still reflecting old data. Monthly payment should reflect XXXX but is still reflecting {$3400.00}. In XX/XX/XXXX, I was told it would be updated XX/XX/XXXX and as of XX/XX/XXXX, credit report has not been updated. This has affected by buying power and has violated my rights under FCRA and possibly TILA and UDAAP. Every time I speak to the company, they say wait until the next month for the update to be reflected. I have email communications with Guild to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: NC

Complaint narrative:
In XX/XX/XXXX I attended a social gathering and purses/wallets were stolen by event staff. Police were notified and report was made. I was advised to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed a slew of accounts I have no knowledge of, affiliation, or relationship with. I also discovered someone has been applying and attempting to obtain lines of credit in my name. I immediately contacted the CRAs ( Experian, XXXX, and XXXX ) in XX/XX/XXXX. I informed them of the incident from XXXX along with the account I discovered. I contacted all agencies via phone and by mail. It has now been over 60 days and no accounts have been verified but are still reporting to my profile which is now in violation of the FCRA, specifically 15 USC 1681. NO INFORMATION SHOULD BE FURNISHED TO MY PROFILE WITHOUT MY WRITTEN CONSENT. Furnishing account due to Identity Theft further violates 15 USC 1681 c-2. No accounts due to identity theft should be reporting to my profile. The accounts being reported to my profile that I have no knowledge of are : XXXX XXXX ( {$190.00} ), XXXX XXXX ( {$1400.00} ), XXXX ( {$980.00} ), XXXX XXXX ( {$610.00} ), XXXX XXXX ( {$260.00} ), XXXX XXXX ( {$450.00} ), AND XXXX ( {$500.00} ). Again I have no knowlege of these accounts. I also noticed credit inquiries from creditors : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, AND EXPERIAN. I have NOT applied for credit with these lenders

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I have been trying for the past year to get Nelnet to stop their negative and inacurate reports concerning my Federal student loans. Nelnet has repeatedly refused to stop their negative reports which has caused me great harm as a XXXX XXXX XXXX XXXX XXXXXXXX veteran, currently homeless and trying to secure financing to by a house. 
for 7 years had been on an income based payment of {$0.00}. the last year of the loan prior to the loan being closed ( it should be discharged due to XXXX XXXX VA XXXX ) they required me to pay {$1.00} per month even though my income had not changed and my living situation had become much worse ( homelessness ). i disagreed with their request because i felt as though they were doing this in an attempt to trick me into paying this {$1.00} amount so as to reset the number of years at {$0.00} needed to discharge the debt. At the same time XXXX happened and i felt i was not required to make a payment as my loans were Federal loans. 
Nelnet began destroying my credit by reporting all 5 loans as delinquent. One month i was reported as current... the next 90 days late ( how is it possible to be 90 days late in the span of 30 days? ) They deliberately began reporting me to try and force me to make the {$1.00} payment ( it should have been {$0.00} ) thus resetting the consecutive number of years at {$0.00} so that they would be able to continue to collect on the loans and not discharge them. If this is not an illegal act... it should be. They created a situation so as to coherse me into doing something that was not in my best interest. they continue to report adversely even though the account is closed. i want them to stop causing me undo harm, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: KY

Complaint narrative:
Please accept this letter as my formal writing request for the following items on my credit report to be investigated. 
According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 
I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX  Account Name : XXXX XXXX XXXX XXXX Account # : 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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX I have a bank account with Citizens Bank. 
On XX/XX/2023 I deposited a check in the amount of XXXX and it's been well over 90 days and the bank placed my check on hold and has not released my funds. I spoke to my attorney because the check was from a civil suit and was awarded to me for a accident I was in some years ago and he provided me with the canceled checks letting me know Citizens Bank cashed the check and took the funds out of the account from XXXX XXXX XXXXXXXX. 
I visited a 2 different branches and all I've been told was call the XXXX number on the back of my debit card which I did and to no resolve. I need some help with this matter because the check is still on hold months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2024-01-12 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: NY

Complaint narrative:
I hope this letter finds you well. I am writing you to bring to your attention a few discrepancies in my credit report that i am sure requires your immediate investigation as my information has been stolen and use to open a number of fraudulent accounts and loans in my name. Additionally these fraudulent accounts has been causing me severe emotional stress as i am currently in the process of buying a home for me and my family. I kindly request a thorough investigation into these matters and removal of all inaccurate information on my credit report. I understand that the Fair Credit Act ( FCRA ) mandates that the Information on my credit report be accurate and verified. I have reach out to my creditors who have informed me they have no knowledge or evidence of credit associated with them. 
AXXXX 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 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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have two {$400.00} atm withdraws taken from my account and I never authorized it. I made a fraud complaint and they denied it saying it wasnt an error. I live in XXXX Texas and was working at the time when the two transactions were taken from me in XXXX XXXX Texas

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 2024-01-12 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: KY

Complaint narrative:
My XXXX  XXXX bankruptcy was discharged on XXXX XXXX. I was advised it takes up to 60 days for Mortgage to report to credit bureau. I have contacted all three credit bureaus thereafter and they do not show a mortgage reporting. I contacted XXXX XXXX on or about XXXX XXXX and was advised they report on the XXXX of the month. To date XXXX XXXX - my mortgage is not reporting. 
This is a major impact on my quality of life and its not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This past week XXXX week of XX/XX/2024, I have been getting calls from Comenity Bank stating that I am overdue on my payments from my credit card, then proceeded to ask which credit card because I do not recognize opening up a Credit card, the person I spoke to says it was in regards to an express credit card. Ive been stated that I never authorized or have opened up express credit card. I also went on my XXXX XXXX app and saw that there was a credit card opened up, fraudulently under my name. When I got a piece in the mail concerning this credit card, I noticed that whoever opened up this credit card used my identity. I have XXXX government last names, and this credit card only has my XXXX last name XXXX. I do not know who opened up this card because I did not open up this card myself I do not even shop at this specific store. I have been contacting the fraudulent department under XXXX XXXX. Regarding this issue, but they stated that I needed to have a document to prove that this was an act of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
i am a victim of identity theft and i never had any dealing with CCS, and i have attached a copy of the FTC report as well. I am requesting the deletion of this account from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
in XXXX of XXXX an auto loan was obtain in my name without my permission. i gave no one permission to open this account or any other account I have listed. also, in XXXX of XXXX a cell phone was obtain in my name without permission. I need these accounts removed from my credit immediately for it has affected my credit for years. Thank You for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act TRANSUNION-ACCOUNT # XXXX XXXX XXXX XXXX has violated my rights on XX/XX/2023 for {$720.00} 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 an account without my written instruction so therefore I need these accounts removed immediately In accordance with the Fair Credit Reporting Act TRANSUNION -ACCOUNT # XXXX XXXX XXXX XXXX XXXX has violated my rights on XX/XX/2023 for {$2300.00} 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 an account without my written instruction so therefore I need these accounts removed immediately

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2024 I received a text with a confirmation number to access an account with Chime, even though I have never attempted to open account with this bank. When I called in to report fraud, I was told that someone accidentally used my phone number and the issue was resolved. A few hours later I received a marketing email from Chime, again I called in this time was told that someone accidentally used my email to open an account and that my email would be removed. Shortly after hanging up I received a email to set up a password for an account. I then again called back in, I was told the same information from chime from the previous call about my email being used. There appears to be someone using my unique email and phone number to open account and there is nothing else Chime is doing to look into this or monitor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-12 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: NE

Complaint narrative:
XXXX and Trans Union is reporting a collection account as open. Per the FCRA this is a violation, and such account should be deleted. Validation of the collection account has not been provided by the debt collector, XXXX, or Trans Union. In addition, removal of inaccurate/invalidated credit information is a violation of U.S. Code 168i ( 5 ). I did dispute this violation XXXX  times in XXXX. Recently summited another dispute to XXXX on XXXX  and XXXX lowered my credit score by XXXX points after submitting the dispute. No other factors could have contributed to a XXXX point decrease.

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 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Subject : Request for Immediate Action on PMI Removal and Escrow Recalculation from my mortgage. 

I am writing to express my concern and dissatisfaction with the recent experiences I have had with my lender NewRez Llc. I believe that the practices currently in place are not only causing undue financial strain but also seem to be contrary to the principles of fair lending and they are becoming predatory lending because it affect my capacity to pay the mortgage. 

On XX/XX/2023, I requested the removal of the Private Mortgage Insurance ( PMI ) from my mortgage. However, I was informed that I would need to pay for a new appraisal. The cost of this appraisal negates the very purpose of my request, which is to reduce my expenses. 

In light of this, I made a second request on XX/XX/2023, for the removal of the PMI. In this communication, I also asked for specific references to the law, rule, or clauses in my loan contract that necessitate a new appraisal for PMI removal. I am yet to receive a satisfactory response to this query. 

Prior to my request for PMI removal, I received several emails from NewRez indicating that the market price of my house is {$430000.00} and above which they want to use as market offering me a re financing since they knows that I have positive equity in my loan. The price of {$430000.00} would make my Loan-to-Value ratio ( LTV ) significantly less than the 80 % threshold required for PMI removal. It's worth noting that my LTV was less than 80 % even at the time of loan approval, with a loan amount of {$310000.00} against an appraised value of {$390000.00}. 

My property has not suffered any damage, as can be verified through public records. On the contrary, I have made several improvements to my house, which should ideally increase its value. 

Another issue of concern is the handling of my escrow account. Despite a reduction in my house insurance premium fees in XX/XX/2023, there was no corresponding decrease in my escrow payments. I was informed that NewRez recalculates the escrow only once a year in XXXX. This predatory lending practice results in me paying more towards escrow than necessary, creating unnecessary problems in my capacity to pay the loan. 

These issues collectively create an environment that makes it challenging for customers to manage their mortgages. It gives an impression of predatory lending practice.

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