vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Guild Holdings Company
State: NM

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my mortgage account to the credit bureaus. I have been a customer with Guild Mortgage Company since XXXX and I have consistently made timely payments. However, I recently encountered an issue that I believe warrants correction. I have attempted to work with Guild Mortgage Company directly but they have declined to help me in this matter. 

My mortgage payment due on XX/XX/XXXX was paid on XX/XX/year>, after I was notified of the late payment for my XXXX Cycle ( Due XX/XX/XXXX but grace period up to the XXXX ). I had set up automatic payments, but unfortunately, the payment was not processed in XXXX, nor was it in XXXX. As a result, I was not made aware of the issue until I received notification. At no point was I notified via phone or letter of this failure in payment processing, leaving me unaware of any issue until it was too late. I had attempted to pay the bill manually on the Guild Mortgage Company website but was unable to do so since the account said I was already paid and up to date. 
As soon as I was informed via a phone call from customer service, I acted promptly to rectify the situation by paying the total due amount ( XXXX and XXXX ). Despite this, the late payment was reported to the credit bureaus, resulting in a significant drop in my credit score. Given my history of timely payments and the good faith effort to establish automatic payments to avoid such issues, I believe this situation reflects an error on Guild Mortgage Companys part, rather than a failure on my own.

I respectfully request that Guild Mortgage Companys review my account and the circumstances surrounding this incident. Given my long-standing history of timely payments and the lack of notification regarding the failed automatic payment, I kindly ask that the late payment report to the credit bureaus be reversed. This gesture would be in line with the cooperative relationship I have maintained with Guild Mortgage Companys over the years. 

I look forward to a friendly, cordial resolution to this matter. Please contact me at your earliest convenience to discuss this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
RE : Notice of currently reported injurious claim ( s ) unproven yet to be factually and physically validated true, correct, complete, timely, and certifiably metro 2 format compliant! These claims are requested check for requisites and immediately removed from reporting so to ensure lawful compliant reporting of ONLY factually true correct complete timely validated and certified allegations!

To Whom It May Concern, This letter is to serve as my formal consumer complaint that you are now currently deficient in your reporting versus my credit profile history, undoubtedly in vile deficiency of documented and physically verifiable proof of fullness of truth, correctness, completeness, timeliness, demonstrated validity of claim and certifiable compliance of reporting, even as related to but not limited to the applicable laws and standards of the FCRA and FDCPA and especially in accordances of the mandatorily perfect and complete Metro 2 format reporting standard ( s ). Let it be known that I am quite puzzled that you have elected to include the following questionable if not outright erroneously reported injurious information versus me on my current 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 2024-11-24 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Venmo 's credit card continues to reduce my credit limit, adversely affecting my credit score and causing ridiculous harm. Every time I pay down my credit card to reflect a reduced utilization, Synchrony Bank reduces the available limit to make my utilization 90 % or higher. I put all the extra money I have towards this card each month, and it's a waste of time! 

It is RIDICULOUS! For example, just this past month, I had an available credit limit of {$400.00}, and this bank reduced the limit to make an available credit limit of {$86.00}, screwing my credit score! Synchrony Bank continues to cause irreparable harm to my credit score, and I demand a resolution. I don't use this card at all.

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 2024-11-24 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Company promised to work with consumer doing COVID 19.

Consumer dispute the information of late 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
Consumer complaint received 2024-11-24 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: Fay Servicing, LLC
State: NY

Complaint narrative:
I have not received any monthly statements or documentation on my mortage from Fay Servicing for XXXX years. My online access was removed, I've asked for my monthly statements to be emailed to me, filed a previous complaint where Fay supplied statements they say they have been emailing me all along, which simply is not true. I've reached out to Fay and asked to have them try a different email address or physically send me my statements, but XXXX XXXX my single point of contact refuses to make any changes. 
Therefore the only way I can get my monthly statements is in the form of a response to my complaint from Fay, so I will keep filing monthly complaints until Fay fixes how they send me my statements and either attempts a new email address or physically mails them to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXX XXXX now calls my complaints duplicates meaning a confession I have an account there as early warning and XXXX both have said. My identity has been stolen at XXXX XXXX XXXX XXXX XXXX  by fake doctor and fake computer professor XXXX XXXX fake XXXX XXXX and XXXX currently pending XXXX. Now after stealing my XXXX card over 20 years a State employee XXXX XXXX XXXX XXXX his name I am told at XXXX XXXX XXXX is now off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX now calls my complaints duplicates meaning a confession I have an account there as early warning and XXXX both have said. My identity has been stolen at XXXX XXXX XXXX XXXX XXXX  by fake doctor and fake computer professor XXXX XXXX fake XXXX XXXX and XXXX currently pending XXXX. Now after stealing my XXXX card over 20 years a State employee XXXX XXXX XXXX XXXX his name I am told at XXXX XXXX XXXX is now off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
XXXX unauthorized and unknown charges, {$1.00} each, were made XX/XX/year> on my account, The same day XXXX of the XXXX charges was reversed. It appears that the merchant recognized it posed data incorrectly and tried to correct its errors. However, it did not completely do so. A charge of {$1.00} remains. The merchant is located in XXXX, with which I have no connection or was present there. FNBO, the bank, has NO INFORMATION WHATSOEVER on its website as to how to dispute a charge. Moreover, on its statements it provides no instructions- other than to write a letter. In short, FNBO requires a cardholder to pay XXXX cents in postage to dispute {$1.00}. Not to mention the cost of paper, etc. In any case, I went to FNBO 's message center, which as NO OPTION for disputes. Nevertheless, I prepared a message desrbing the problem, and clicked the Submit button. Shockingly, FNBO displayed a message stating that its message center was not working. Thus, I now must wait more time making a complaint via the CFPB. Clearly, FNBO Chair and XXXX XXXX XXXX, has intentionally made it difficult or impossible to dispute charges. This is hostile anti-public policy.

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 monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> email XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX once again I request the information that you send me with the 21 days advance notice before posting the delay to my credit bureau and you still have not provided me with any information. If such information exists please send it to me by this means. If not, please remove the information from all 3 credit bureaus.

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 2024-11-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
In the second week of XX/XX/year> my citi credit card and debit card were cloned in XXXX  XXXX ok. I believe at XXXX XXXX. 
Citibank returned the credit card money ( I have attached a snapshot of this return ) total was aroun XXXX Citi returned the XXXX XXXX  on the debit card 3 times and then took the money back 3 times also. This is around XXXX in ATM with drawls and the rest were at XXXX and XXXX. ( I have attached documents and correspondence with Citibank over this issue. 

I have attached a letter from Citibank where they say that it looks like fraudulent active also. 
No one from the fraud department at Citibank talked to me at anytime during all of this. 

Citibank did close this checking acoount and open me a new as they said it had been compromised, I am XXXX and on a fix income and this is a lot of money to lose. 

I have been told verbally that the return was denied because of shopping patterns, there are only so many places to shop in XXXX  XXXX ok. 

One more thing some one who said they were from XXXX XXXX  got in my phone and transferred out XXXX XXXX  also. 

I had a run of bad luck in 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 2024-11-24 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX am submitting this complaint in reference to this company knowingly reporting inaccurate data. XXXX XXXX XXXX XXXX XXXX credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, XXXX XXXX XXXX XXXX XXXX demand proof " TO SEE '' Valid Authorization /proof of alleged debt. Reporting without valid proper disclosures requirements are in direct violation of XXXX XXXX XXXX XXXX XXXX consumer rights. XXXX XXXX XXXX XXXX XXXX legally request a description of the detail of the verification process used to verify this alleged account. 
Federal law requires you to in thirty ( 30 ) days and failure to comply with these federal regulation by the FTC U.S.C41, et esq XXXX XXXX XXXX XXXX XXXX am maintaining careful record on my communication with LVNV FUNDING LLC LVNV FUNDING LLC is a debt buying company that is reporting to XXXX XXXX XXXX XXXX XXXX consumer report without proof that there is an actual contract that XXXX XXXX XXXX XXXX XXXX did business with them at all. 
LVNV FUNDING LLC bought a charged off debt and never properly in formed XXXX XXXX XXXX XXXX XXXX regarding this mater. 
XXXX XXXX XXXX XXXX XXXX have suffered behind this this fraudulent action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: Kikoff Inc.
State: AZ

Complaint narrative:
15 USC 1692 ( c ) Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and identified significant inaccuracies related to an account reported by XXXX XXXX  XXXX. The inaccuracies are as follows : XXXX XXXX  XXXX can not provide any paperwork demonstrating a contract between myself and their organization. All documents they have presented come from other parties, which does not constitute proof of validation or verification. The credit report states that the account was " Date Opened '' on XX/XX/XXXX, but the " Report Date '' is XX/XX/XXXX. This inconsistency is another clear error and raises questions about the validity of this entry. The report lists " XXXX XXXX without identifying the name of the entity to whom the account was transferred or sold. The absence of this information constitutes another fraudulent and removable offense. The report reflects no payment history under " Frequency of Payment History, '' yet it lists the account as late. It is impossible to have no payment history and simultaneously report late payments without providing any supporting evidence, which is another infraction against my credit report. Additionally, I have provided an affidavit from the government affirming that this information is inaccurate and fraudulent, along with supporting documents such as my Social Security card and ID to prove my identity and refute any association with this account. I have already conducted a full identity fraud validation, and both Equifax and XXXX have removed this information from my credit report. Despite this, XXXX XXXX  XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not removing this unverifiable and inaccurate information. Given these errors, I am requesting the immediate removal of this account from my credit and tenant reports. Failure to address these violations will leave me no choice but to pursue legal action, as I have already consulted with legal counsel regarding this matter. Thank you for your immediate attention to this issue. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : 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 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 response to consumer: Closed with non-monetary relief