vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am victim of identity theft, and on my XXXX, XXXX, and XXXX i have a Personal Statement Alert : FRAUDULENT APPLICATIONS, and specifically says First Verify the identity of the applicant. It can be reached at XXXX The Company ALLY FINANCIAL Unauthorize an Inquiry on my credit report without my permission. 



The Company ALLY FINANCIAL Ran my credit 2 times. 

This Company plays Dirty and unprofessional, they don't care to mess up others Credit, and all they want is to make money $ $ at any cost... .. watch, why I'm saying that,.! 

On XX/XX/year> they ran my credit With address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX AND PHONE # XXXX AND ON THE 2ND HARD INQUIRY ON THE SAME DATES, XX/XX/year>, BUT WITH DIFERNT ADDRESS, NOW ON XXXX XXXX XXXX XXXX, MI XXXX SO, I'M NOT THAT STUPID TO RUN MY CREDIT 2 TIMES ON THE SAME DATE. 

1. I Been fixing my credit for 2 or 3 years and I'm involved on credit, reports, hard inquiry, soft inquiry ect,.. I know that my credit is bad and if I get denied the first time is because my credit is terrible and plus my yearly salary is not great.

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 2024-05-26 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: GA

Complaint narrative:
I have reviewed myt reports on all three credit bureau and the information doesnt match. I have reached out to these companies for a debt validation letter or a XXXX if the so called debt was a charge off. I am reaching out for assistance to get this removed from my credit report. 
XXXX XXXX XXXX  This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/2024. 
and XXXX XXXX XXXX  This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/2024. 

XXXX XXXX XXXX XXXX refuses to send documents Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b )

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 2024-05-26 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: GA

Complaint narrative:
I have reviewed myt reports on all three credit bureau and the information doesnt match. I have reached out to these companies for a debt validation letter or a XXXX if the so called debt was a charge off. I am reaching out for assistance to get this removed from my credit report. 
XXXX XXXX XXXX  This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/year>. 
and XXXX XXXX XXXX This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/year>. 

XXXX XXXX XXXX XXXX refuses to send documents Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 usc 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: VYSTAR CREDIT UNION
State: NC

Complaint narrative:
I have lived in XXXX for over a year now ( XX/XX/XXXX ) and have applied for a mortgage thru XXXX XXXX XXXXXXXX and when they pulled my credit report, my name still shows on the mortgage note on my former house in XXXX and Vystar Credit Union holds the note. 
I was divorced per the attached marital settlement agreement - dated XX/XX/XXXX and completed the Quit Claim Deed recorded on XX/XX/XXXX. Per the XXXX- it states that " The parties agree to divide 50/50 payment of the mortgages and all other expenses relative to the property until entry of the XXXX. After entry of the XXXX husband shall pay the mortgages and all other expenses relative to the property without contribution from wife. Wife agrees to vacate the premises within thirty ( 30 ) days of entry of the XXXX. '' Our joint savings and checking accounts were closed per the XXXX. Both my ex-husband and I reached out to Vystar Credit Union with the XXXX and Quit Claim Deed and evidence that he has solely been paying the mortgage. And the Bank and I reached out to Vystar as well on a conference call, and Vystar said that in order to get my name removed, that my ex-husband would have to refinance the remaining loan balance ( Approx. XXXX ). Given the credit union 's charter in state of XXXX and their mission statement - " We exist to improve the lives of our members and the places we call home. We offer better banking products and personalized service to help our members reach their financial goals. '' I find this practice by Vystar to be not fair, nor transparent or responsible lending. This practice is deceitful and harmful to not recognize State of XXXX court approved legal documents to remove my name from the note.I also uploaded my lease in XXXX that further shows that I no longer reside in XXXX. I would appreciate any assistance as this is preventing my ability to purchase a townhouse in XXXX as well as causing alot of un-necessary mental and emotional stress on me. Further- I think if you reached out, you would find many others who have also been negatively impacted by their discietful and dishonest lending practices. Thanks.

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 2024-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an Amazon Rewards Credit Card through Synchrony Bank. Every month, my statement is not updated on their website until a payment is due 7 days later. This effectively only gives me 7 days to make a payment, and recently resulted in a late payment and late fee. The only late payment I have ever had in my life, because I didn't check my credit card bill for a week. 

I had them reverse the late fee, but now my credit score is affected. It's not a huge deal, but it is wrong what they are doing and it should be illegal if it isn't already. 

Other than that, very great bank. Hate to complain.

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 2024-05-26 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: TN

Complaint narrative:
My Experian account allowed someone to change the name, address, and phone number on my credit report, The name has been changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The names associated with this address are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The phone number are ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. There has also been a hack on XXXX of my personal credit cards.

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 2024-05-26 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, this creditor has violated my rights.under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-05-26 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: VA

Complaint narrative:
I am the victim of identify theft Experian is well aware of this and they removed the fraudulent accounts then placed them back on there I've been. Writing them letters each week and nothing has been done about this. There are violation federal law and need to be held account table

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 2024-05-26 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 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 the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 shalli ) 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. Please remove the following items from my credit report, immediately : 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 2024-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX is filing a formal complaint against the servicer on my mortgage. I have been a victim of predatory lending, and it has come to my attention that the servicer has accessed absorbent fees, which has caused the current balance to be higher than the initial principal balance. I have been paying the mortgage for over XXXX years and never occurred a 30 day late. I have faithfully been paying the mortgage and during the life of the loan. I reached out to the servicer when I noticed that the payments were increasing as well as the balance. There has been no transparency and conclusive answers to my questions. Even based on the documentation Ive received, there has been fees added without a proper itemization or explanation. I am a senior citizen and looking to secure my financial well-being. I dont understand after XXXX years of paying a mortgage, why my balance would be higher than the initial principal balance. I have never taken out any loans against the property or refinanced with cash out. 

From my research Ive found, XXXX XXXX XXXX XXXX XXXX NOT IN ITS INDIVIDUAL CAPACITY OWNER TRUSTEE FOR XXXX Master Participation is XXXX XXXX for Select Portfolio servicing. The original owner, Washington XXXX XXXX XXXX went bankrupt during mortgage bubble, and was bailed out by XXXX XXXX XXXX then transferred to XXXX XXXX XXXX. Then, my interest rate was XXXX. Now its XXXX percent. When the loan was modified it was $ XXXX and then after the refinance the principal was XXXX origination and ambiguous fees. To date, the principal balance is $ XXXX or more. Select portfolio is servicing loan currently. 
XXXX XXXX XXXX serviced the mortgage in XXXX. Select portfolio obtained loan in XXXX. 
Select portfolio is attempting to increase monthly payment to cover escrow shortage despite my local tax accessor confirming that there is no shortage and everything is paid to date. I am requesting a full investigation into this matter with monetary compensation. This predatory loan has caused financial, mental, emotional distress and time wasted with no resolve in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Tennessee XXXX XXXX XX/XX/2024 Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Debt Validation Request for XXXX XXXX XXXX - Account # XXXX To Whom It May Concern, I am writing to formally request validation of the debt that you have contacted me about, which is referenced under the account number XXXX. According to my records, and verified by a debt validation certification from the state of Tennessee, there is XXXX  debt in my name. I have attached a certificate of verification from the TN Secretary of State of 0 records of debt owed by XXXX XXXX XXXX in XXXX, TN. 


Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information : XXXX. **Validation of the debt** : Please provide the original signed contract or other instrument bearing my signature that substantiates the alleged debt. 
XXXX. **Amount of the debt** : Please provide a complete breakdown of the amount you claim I owe. 
XXXX. **Name and address of the original creditor** : Identify the original creditor to whom this debt is owed, along with their contact information. 
XXXX. **Proof of assignment** : Provide proof that Midland Credit Management , Inc. has the legal right to collect this debt on behalf of the original creditor. 
XXXX. **Verification of my liability** : Show evidence that I have a legal obligation to pay this debt. 
XXXX. Please provide all but not limited to any contracts signed with XXXX XXXX XXXX wet ink signature to do business with your company. 

Until these items are provided, I dispute the validity of this debt in its entirety and request that you cease all collection efforts. I also request that you immediately remove any negative information related to this alleged debt from my credit report, as reporting inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, please be advised that I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect those rights. I expect a timely response to this request, as failure to provide the requested documentation within 30 days will result in the presumption that the debt is invalid and no further collection activities are warranted. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and your intention to comply with my validation request at your earliest convenience. 

Sincerely, By : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
There was a inquiry made on my credit report without my consent. 

I am victim of identity theft, and on my XXXX, XXXX, and XXXX i have a Personal Statement Alert : FRAUDULENT APPLICATIONS, and specifically says First Verify the identity of the applicant. It can be reached at XXXX The Company EXETER FINANCIAL LLCXXXX Unauthorize an Inquiry on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: VA

Complaint narrative:
I am the victim of identify theft XXXX is well aware of this and they removed the fraudulent accounts then placed them back on there I've been. Writing them letters each week and nothing has been done about this. There are violation federal law and need to be held account table

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 2024-05-26 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: VA

Complaint narrative:
I am the victim of identify theft XXXX is well aware of this and they removed the fraudulent accounts then placed them back on there I've been. Writing them letters each week and nothing has been done about this. There are violation federal law and need to be held account table

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
1 ) On XX/XX/year>, there is an inquiry from Capital One made to all 3 majors XXXX XXXX Agencies against my report file. I never had nor have i ever initiated any type of credit account with Capital one. 
2 ) On XX/XX/year>, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file. 
3 ) On XX/XX/year>, XXXX XXXX was place to my XXXX credit file by XXXX XXXX. 
4 ) On XX/XX/year>, an XXXX was place by XXXX XXXX XXXXXXXX to my XXXX credit filefile. 
5 ) On XX/XX/year>, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am sending this complaint because this is the third time Ive filed my claim regarding my stolen identity, and no action has been taken. The credit bureau hasn't responded to my disputes, nor have the companies involved. I feel my consumer rights are being ignored. I am the victim here, yet I can't get the proper help or responses from the credit reporting agencies. If no action is taken soon, I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-05-26 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: VA

Complaint narrative:
I spoke with Equifax on chat on their website on or around XXXX about removing the Remark under an account on my report that states I am " disputing '' I am in fact, NOT disputing it. The agent then told me that they would remove this remark and it would reflect within XXXX hours, and I would also receive a letter in the mail. Neither of these things occurred. 
Pulled credit report and was still there on Equifax only. I called the number and spoke with an agent on XXXX and they assured me that they would have it changed and it would reflect in 24-48 hours and I would receive a letter in the mail. Never occurred. I received a confirmation number for that call, XXXX. 
Check my credit report again on XX/XX/XXXX and once again, Equifax is the only agency reporting that i am disputing this account. 
Called again on XXXX. Agent refused to let me speak to any manager, supervisor or anyone higher up. Once again promised it would be removed within XXXX hours. Confirmation XXXX. Checked report today XX/XX/XXXX, it has not been changed. 
I am trying to get a mortgage. I have XXXX children, XXXX under a year old. I am facing homelessness if I can not get this fixed immediately. Please help me.

Company response to consumer: Closed with non-monetary relief