vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXXXXXX 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 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
I called Plaza Home Mortgage after my lender shared I have the right to request ( XXXX ) supplemental tax payment from my escrow account. 
I made the call to put in the request on XX/XX/XXXX and XX/XX/2022 and per my notes, I made follow calls and emails regarding the payment. The bill was due by XX/XX/XXXX. I was told it would be taken care of in 5-10 business days and it wasn't. I see dates in my notes of : XXXX and XXXX and XXXX XXXX : XXXX, letters ' from XXXX dating XXXX, an email from them on XXXX actually stating, don't worry, we are preparing the payment. an email on XXXX and XXXX and XXXX. Not only did they pay the whole year when it was only supposed to be the 1st of 2 installments but they paid it so late, they paid {$460.00} from MY escrow account in late fees. It would not have been late had they processed my request from the very beginning or when I made follow up calls and sent emails. they took so long, i have late tax fees on my record and charged them to my escrow account that I did not authorize. They owe me a refund of late fees in the amount of {$460.00}. They made an expensive error and are charging me for it claiming their policy isn't to pay supplemental taxes. However I do have the right to request one ( 1 ) payment and I requested it in a timely manner. They took months to address despite assurances from every customer service rep and escalation manager I have spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed a error on my report and In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 

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 XXXXXXXX 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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, 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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2022, I depositeda a check for {$7000.00} XXXX funds in my account. I knew that it would need to go through collection which can take 6 weeks. After 7 weeks. I called to find out the amount of the deposit in US funds. I was told that it might take 8 weeks. At 9 weeks I called again and was told that they meant 8 weeks from my phone call. On XX/XX/XXXX the XXXX bank paid the check. It still has not been deposited to my account at Truist Bank.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This complaint is about correcting my credit score because of an error made by the bank providing service in delivering monthly statements which caused a delinquency. I disputed the facts and the bank corrected the mistake, but continued to tell me that my score could not be reinstated. It dropped from excellent to fair.

The service bureau reported its conclusion and corrected the report, but the score continues to be fair. I'm dissatified with the entire process and are now suffering a lower rating to the point that today XX/XX/2022 I was denied a credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Kia Motor Finance assessed several months of delinquent/late payment reporting on my credit report. This delinquent reporting was done for the months that were after the account was closed and the title issued. Account was never late. Credit report shows that while the account was open, the account was never paid late. 

I have tried to dispute through the credit agencies, no solution. Wrote multiple letters to KIA with the return response in a form letter stating that they are correct. How can payments be late after the account has been closed. The late reporting is affecting my credit score and I would like it removed. I believe they are in violation of The Fair Trade Credit Reporting Act.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, 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:
On or about XX/XX/XXXX a fraudulent XXXX account reported to my Experian credit report. I notified local authorities and filed a police report. I reached out to both XXXX as well as Experian multiple times in-regards to this matter and provided the official police report. They have neglected to correct this issue. My most recent attempt to resolve the issue with both XXXX and Experian was XX/XX/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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
I first obtained this credit card in XX/XX/XXXX, I've never been late on any payments and currently hold a XXXX XXXX balance. 

In XX/XX/XXXX, I pulled my XXXX credit report and it showed 1 late payment for XX/XX/XXXX. That is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
In XX/XX/2022. A loan check was sent to my parent. The parent cashed the check because she met all the criteria. In early XXXX. 2022, the finance company called me and told me that my loan was late. I told them, that I did not have a loan with them. They told yes you do. After further investigation, what I found out was they used my social security number to send a loan to my parent with the intention to commit fraud. You can't offer someone a loan using someone else 's social security number. That is fraud. I tried speaking with the representative and she was rude. She said, my parent, cased the loan and the loan is valid. What she did not say, was my parent not eligible for a loan and that they intentionally used my social security number to run that loan. 

I am a XXXX  employee and can not have a company using my social security number and listing it on my credit without my permission. The loan is being paid for by my parent, but the loan was disbursed illegally by this company with no knowledge to me or my parent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
AMID THE INVESTIGATIONS UPON EXPERIAN AND THEM BREAKING FEDERAL LAW AND THEIR OWN POLICY ; per looking at my report I found many accounts reported by them inaccurately. they have federally violated the law by reporting these negative accounts. 
XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX -XXXX XXXXXXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX -XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

THESE NEGATIVE ACCOUNTS WERE REPORTED WITHOUT MY CONSENT AND INFRINGE UPON MY PRIVACY

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been telling Experian that people are running my credit without being authorized. They do nothing to stop it send me generic response.

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 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2017, after my Grandfather died, a car he had financed through Wells Fargo. I am the executor of his estate. The car was repossessed without incident and after they sold it, we got a letter stating that the car had been sold for more than owed, and we were receiving a check for XXXX dollars. It never came. 
Some years later, we got a letter about unclaimed property. I followed up with this by going in to a Wells Fargo branch and spending 3 hours there. I brought all my necessary Estate/Trust paperwork, and an Affidavit was written, signed by me, and notarized by a Wells Fargo employee . It was then sent to the Unclaimed Property Department from the Wells Fargo branch. I then heard nothing back for another year. 
I recently contacted them to follow up and after MANY attempts, got a secure message asking for me to send them paperwork to prove myself. I send a copy of the death certificate and a copy of the very Affadavit that Wells Fargo themselves made up and had. A few days later, I received ANOTHER email asking me to submit info and an affidavit. 
It has been years and I am no closer to getting the check made out to my deceased Grandfather so I can disperse it to the estate.

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 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm anxious and feel afraid that I notice several fraudulent accounts on my credit report. I attached supporting documents to get remove these accounts on my credit report. I don't have knowledge nor consent regards to this account

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IN

Complaint narrative:
Updated and new information regarding complaint XXXX. LexisNexis stated in its letter to my CPFB complaint that it reached out to me via email to request information regarding authentication. LexisNexis never sent me an email asking me to authenticate. The only thing they sent me is a letter in the mail which I have attached. They asked for me to send them info to authenticate via mail or email. I sent them an email to the address they provided giving them a copy of my drivers license and the information they requested in the letter on XX/XX/XXXX. I have attached a copy of that email showing that I did respond. In there letter they stated the closed the investigation on XX/XX/XXXX. Also in the letter LexisNexis indicated that the 3 consumer reporting agencies XXXX, XXXX, and XXXX are the ones who are responsible for the bankruptcy being on my consumer report. I called all three companies and they informed me that it was LexisNexis that was responsible for furnishing the information to them and that they are required to report that information under the FCRA. Someone is lying and I the consumer am being harmed by these deceptive practices. When I called and spoke to an LexisNexis agent via telephone they stated that the investigation was still open and would be concluded around XX/XX/XXXX or XX/XX/XXXX and that they would send an updated consumer report. LexisNexis lied in its letter to the CPFB and I have proof showing I submitted the information they were looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, 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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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