vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to lodge a formal complaint regarding the recent investigation results provided by Experian. Upon reviewing the findings, I have identified several discrepancies and failures to adequately investigate and re-investigate inaccuracies and errors in my credit report. 

As such, I demand immediate action in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.

First and foremost, I have serious concerns regarding the veracity of the investigation process. Despite claims of re-investigation, key questions remain unanswered. What specific updates or modifications were made to my accounts? Were they genuinely re-investigated, and if so, why do significant disparities persist, such as discrepancies in open dates and last activity dates compared to other credit bureaus? 

Furthermore, I have identified several accounts that continue to contain inaccuracies despite the purported investigation. Therefore, in accordance with my rights under the FCRA, I demand the immediate deletion of the following accounts from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681sXXXX XXXX. XXXX XXXX - XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX. XXXX XXXX XXXX XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681- XXXX XXXX XXXX XXXX XXXX XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681sXXXX XXXX. XXXX XXXX - XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-

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 2024-04-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: DE

Complaint narrative:
I am behind on my mortgage payments due to loss of income. I XXXX  a senior citizen and am having difficulty finding work. I have requested a loan modification and or payment arrangement until I can find a job. The company apparently started foreclosure proceedings, although I never received notification of that. The company responded with a very large payment amount and strict deadline dates, even though the deadline is prior to my once a month Social Security deposit. They have been intact able and refuse to let me speak to anyone who will work with me. They also request that I make these very large payments WHILE they continue with foreclosure proceedings.I have never dealt with a mortgage company that is so incompetent and heartless!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
In XXXX of XXXX a settlement was reached in court between myself and XXXX XXXX XXXX XXXX XXXX, who was the holder of my student loans. 

Weltman, Weinberg & Reis Co., LPA out of Ohio is the debt collection agency I was to make my payments to. 

I have three separate loans that each have their own judgment entries and account numbers. 

On each account I was to make an initial payment of {$220.00} for the first account, {$190.00} for the second and {$82.00} for the third before the end of XX/XX/XXXX. After the initial payments I was to make monthly payments of {$180.00} for the first account, {$150.00} for the second and {$79.00} for the third before the last business day of each month for the next 48 months until the settlement amounts had been paid for each account. 

On XX/XX/XXXX I made final payments of what I still owed on each of the three loans. On the first account the settlement amount was {$8900.00} and I made a final payment of {$740.00}. 

The settlement amount on the second account was {$7400.00} and on XX/XX/XXXX I made a payment of {$620.00}. 

The settlement amount on the third account was {$3800.00} and on XX/XX/XXXX I made a payment of {$310.00}. 

These payments made on XX/XX/XXXX, along with the previous 43 months worth of payments on each account and the initial payments in XX/XX/XXXX add up to me paying the court ordered settlement amount on each account. 

I never missed a payment and was never late with a payment. However after making these final payments my online account was still showing that I owed more money, amounting to the pre-settlement amount. This is incorrect and I have court documents to prove the settlement amounts. 

I tried several times to get in touch with someone to speak to about my accounts via phone and email. I left and sent many messages that have gone unanswered. I finally got someone on the phone to speak to and was told they could only speak to my attorney. 

I contacted the attorney who represented me in XXXX and he has tried multiple times to get in touch with someone to let them know they can speak with me directly. His messages have also gone unanswered and no one has responded to me or my attorney. 

As of now I also can no longer access my online account, I get an error, saying the page cant be displayed and to call or email regarding my account, but I have tried that repeatedly and never get any response. 

I want written confirmation and acknowledgement from Weltman, Weinberg & Reis that my debts have been settled and paid as they were agreed upon in court and that I no longer owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-29 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to bring attention to the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section emphasizes the critical role of consumer reporting agencies ( CRAs ) in our financial system and underscores the importance of treating consumers fairly, impartially, and with respect for their privacy rights. 
As both XXXX and XXXX operate as consumer reporting agencies, it is imperative that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure that my private information remains confidential and is not shared without proper authorization. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy.

Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Regrettably, this requirement has not been met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. Unfortunately, it appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: Synovus Bank
State: TN

Complaint narrative:
I recently reviewed my credit report and discovered a late payment entry that I believe is inaccurate. The entry pertains to a payments late, and I believe it violates the Fair Credit Reporting Act ( FCRA ) provisions outlined in Sections 15 USC 1666b, 15 USC 1681a ( 2 ) ( i ), and 15 USC 6802. As per Section 15 USC 1637b, I should have received information regarding my credit obligations at least 21 days before the payment due date. I am formally requesting proof that such information was provided to me within the specified timeframe.

Furthermore, I am invoking Section 15 USC 1681s-3, which outlines the obligations of furnishers regarding the reporting of information to consumer reporting agencies. I request a thorough investigation into this matter to ensure compliance with FCRA regulations. If its determined that the late payment entry is inaccurate or in violation of FCRA provisions, I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I applied for a pre-approval in XX/XX/year>. As a part of this process, I provided many documents that were requested and filled out a pre-approval application. Within the documents were my name, income, and social security number. On at two subsequent occasions, I provided via email the property address, the estimated value of the property, and the mortgage loan amount sought. In these emails, I attached our contract ( offer that hadn't yet been accepted/ratified ) and I requested a loan estimate be provided. For the first request on XX/XX/year>, the loan officer provided a " cost estimate '' in his words, and it was titled a " loan summary worksheet. '' When I responded that what I was requesting was an official loan estimate, he called and told me that I could not have one and explained that I would have to do multiple additional tasks in order to get one. I explained that under the Truth in Lending Act, I have made an application and would like a loan estimate. He never provided one. We subsequently rescinded the offer on the property. On XX/XX/year>, I emailed the loan officer again with the property address, value, and requested loan amount. He responded that he could not provide anything because our preapproval expired on XX/XX/year>. I subsequently spoke with his supervisor and explained that they couldn't require me to provide any validating documentation, and since they had my name, income, social security number, property address, estimated value, and requested loan amount, they were required to provide a loan estimate. The supervisor informed me that the only way they could provide the loan estimate was for me to spend an hour on the phone with a loan officer providing all the information for him/her to click through the online application for me, or I could go back into the system and complete another application ( which would also take an hour ). When I refused to do that since they had all of my information and I can not be required to provide anything additional in order to receive a loan estimate, she informed me that they would not be providing a loan estimate. 

At this point, I provided all of the information on XXXX XX/XX/year> and three business days have passed without being provided a loan estimate. Further, I have been informed that they refuse to provide a loan estimate unless I provide additional documentation and as such, I believe they are in violation of 12 CFR 1026.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I graduated from XXXX XXXX in XXXX  and have not been able to get a job in the field I got my degree in,. I was promised job assistant and never got it. When I applied for jobs I was told I needed prior experience which I was unable to because I was working fulltime and going to school fulltime. I was forced to take all these private loans with Salle Mae which not is Navient. For a {$50000.00} They want to charge me over {$600.00} a month and I have been doing a cost of living rate reduction just to be able to make a payment and this last month they denied me. I had to get forceful and talk to a manager and let them know its either they lower the payment or they will only get what I can afford. I feel XXXX XXXX was a scam, I'm not able to work in the field and now a lot of companies don't even accept the degree I got from them. I demand these loan be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On or about XX/XX/XXXX I purchased a refrigerator, supply lines, oven and power cord for a total value of {$2100.00}. Upon delivery, I retuned the oven and was issued a refund per XXXX for the oven and power cord ( {$740.00} ) and on XX/XX/XXXX I discovered XXXX had overcharged me for an ice supply line and again issued me a second refund ( {$20.00} ). I had damages on the refrigerator and XXXX compensated me on XX/XX/XXXX for {$150.00} which DID show up in my Paypal account as a refund. The {$740.00} and {$20.00} never did. I filed a formal complaint with Paypal as XXXX provided me receipts with transaction ID 's in order for Paypal to trace the refund. 

On XX/XX/XXXX Paypal issued me a provisional credit while my case was being investigated. Paypal issued a notice to repay that provisional credit XX/XX/XXXX and simply stated on my case that the seller agreed to refund. I contacted XXXX and they again stated that they were not responsible for this and that Paypal needed to issue the refund because the transaction processed per XXXX. 

I have again reopened the case with Paypal and have an open case with XXXX. I can not get these two companies to communicate with each other to determine where the processing error occurred and why the one refund ( {$150.00} ) processed where the others did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I actually want an investigation done on XXXX as well as lvnv funding LLC for one i don't have. A contract with them so why do they know all my info someone must have leaked or sold gave info about me illegally number 2 is they lvnv contact me through mail phone calls long after I told them to stop bothering me we have no contract as for XXXX they completed an investigation prior and found that lvnv was operating with in the guidelines what? Excuse me? Third party debt no, contract with them hows this ok idenrify theft as well

Company response to consumer: Closed with explanation