vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have incorrect information on my credit report it's costing me financial injury I can't get housing car loans or apply for credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

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 2021-10-19 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: Lendmark Financial Services
State: MD

Complaint narrative:
On XX/XX/XXXX, I received an email from Lendmark Financial Services alleging that I had recently completed an online application for {$2000.00} and as a result was matched with them. I was advised that the nearest Lendmark branch was located at XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. After receiving this email, I received a message from XXXX, an identity theft protection service through which I am a subscriber that a credit inquiry was done by Lendmark Financial Services. The Lender was XXXX and the source was XXXX. I contacted the Lendmark branch in XXXX and spoke with the branch manager " XXXX. '' She indicated that an application using my personal information had been initiated and that Lendmark uses XXXX. I informed her that this was a fraudulent application and an attempt to commit identity theft. In addition, I requested a copy of the application. She said a copy would be emailed to my attention. However, I have not received a copy of the application. Additionally, she advised that someone from Lendmark 's security division would be contacting me to start an investigation. That has not been done. I have filed an earlier complaint against Lendmark Financial Services for breach of personal information. That complaint filed before the CFPB was in XXXX  ( XXXX ). At that time personnel from the XXXX, MD branch of Lendmark disclosed information contained in my credit report to a third party without my authorization. While I have filed a dispute through XXXX in relation to this fraudulent application, I do have concerns about the unauthorized inquiry attempted by Lendmark through XXXX and if it was an attempt to disclose personal information to a third party or if a third party utilized Lendmark in order to obtain my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE ARE ITEMS THAT WERE DELETED BUT I WASN'T NOTIFIED OF ANY INVESTIGATION TAKING PLACE NOR METHOD OF THEIR VERIFATION. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: EMG ACQUISITION GROUP, LLC
State: DE

Complaint narrative:
This is a resubmission of a prior complaint. I obtained a loan from minute loan center all via online and over the phone. The loan was in the form of a line of credit that was for {$2500.00}. My first 2 payments were for {$200.00} and were bi-weekly in accordance with my pay schedule. I have not received any emails from minute loan center regarding statements since I obtained this loan. I had checked no earlier than XX/XX/21 to confirm the payment of {$200.00} was to be debited from my account and this is what it said. On XX/XX/21 I was surprised to find that my account had been debited {$630.00}. I did not see this anywhere in my loan agreement nor was it explained to me that my payments would increase this drastically. It is not clear in their loan documents. I have had other loans before where it is explicitly clear what the payment will be. On XX/XX/21, I spoke to XXXX and advised her that I wanted the ACH on this account removed. I am happy to pay the {$200.00} but I will not pay over {$600.00} on a {$2500.00} line of credit. I am asking to be refunded the difference of {$430.00} due to minute loan centers lack of communication on this. 

On XX/XX/21 I received a notification that the company had responded and that the response was sent directly to me. However, I have received no such response. Additionally, I was in text communication with the manager XXXX, who was quite rude in his correspondence. He also advised that a response was made and I told him that the CFPB said that the response was sent directly to me, however, I have not received it. I never received any follow up from him since then. I received another phone call today but no indication of when this response would be received. I am now forced to look into how this can be reported to the local jurisdiction including the attorney general 's office.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I had a tenant and employee that committed fraud when they signed the agreement with XXXX XXXX i did not sign the agreement, the agreement was signed illegally without my support and signature. I did note enter into the agreement the woman XXXX who signed the lease, signed up with XXXX XXXX  not me. I need this removed from my credit it is killing my credit score. The agreement was not entered by me it was fraud i did not know about it until I applied for a loan and my credit score was getting hit by XXXX for a debt i did not authorize, sign or even know about.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I had a tenant and employee that committed fraud when they signed the agreement with XXXX XXXX  i did not sign the agreement, the agreement was signed illegally without my support and signature. I did note enter into the agreement the woman XXXX who signed the lease, signed up with XXXXXXXX XXXX not me. I need this removed from my credit it is killing my credit score. The agreement was not entered by me it was fraud i did not know about it until I applied for a loan and my credit score was getting hit by XXXX for a debt i did not authorize, sign or even know about.

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 2021-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Per request, XXXX account was closed on XX/XX/XXXX. TransUnion and XXXX account is currently reporting as past due as of XX/XX/XXXX. ( See attachments reflecting both CRA 's reporting incurrent information. ) A closed account can not be reported as past due, delinquent or late. This inaccurate information is causing harm to my reputation.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: IL

Complaint narrative:
" XXXX Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file ; the items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission, and I have also enclosed copies of the federal trade commission 's identity theft affidavit. Delete the items as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX : XX/XX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Attn : Mortgage Loan # ... XXXX ( Guaranteed rate ) Transferred to # ... XXXX ( Chase ) Company : Guaranteed Rate/Chase I have the above-mentioned mortgage with Guaranteed rate XXXX  that was transferred over to Chase. There is an outstanding escrow payment that they are asking me to pay. 

I had purchased a house in XX/XX/XXXX  and got an Insurance from XXXX and paid the entire year amount due in escrow to Guaranteed Rate When the Payment was due and XXXX asked their escrow department, Guaranteed rate had missed sending the amount despite multiple warnings from me and the Insurance. They had mentioned that they have sent the insurance payment and I don't have to worry about it. 

Payment was sent late and the Insurance company cancelled my policy retrospectively and sent me the payment.

Guaranteed rate had then placed a Lender placed insurance at an high price on my behalf and sent me the bill. I had refuted this and they said they will review it and fix it. 

In the mean time they had transferred my loan to Chase and Chase asked me for the amount for the Lender Placed Insurance ( LPI ) When I conferenced with them with Chase they had mentioned they will cover it ( See secure message from chase as a result of the conference attached ). 

Guaranteed rate said that it was paid for by Guaranteed rate but Chase has to straighten its record. 

Chase dispute resolution had reached out to them and are notifying me that I owe the amount as they are unable to resolve this with Guaranteed rate. 

I have provided all evidence both to Guaranteed rate and Chase for the same. 

It is unfair to have me pay for a lapse that was caused by Lender despite me having paid the amount for a full year. Putting consumers like me who pay the dues on time despite the pandemic and Penalizing us for a mistake they had performed is unacceptable and the Mortgage companies should be made to take accountability. 

Please call me at XXXX XXXX XXXX should you need more information. I can provide all information and evidence for the above. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
My wife and I moved into XXXX XXXX XXXX apartments in XX/XX/XXXX, and paid a security deposit of {$1000.00}, as well as other deposits and fees. The managing company switched three times in 3 years, and when we moved out in XX/XX/XXXX, we were sent a bill totalling {$1000.00}, due to them not having our security deposit on file. The day after sending the bill via certified mail, I received a call from NCC Business services to collect said bill, which was movefd to collections in less than 24 hours. I have been actively trying to discharge the collections for 3 years with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
RE : loan number XXXX This letter is to dispute the credit bureau notification that occurred on our mortgage account in XXXX, XXXX for 180 days late and then again in XXXX, XXXX for 60 days late. We thought we were in forbearance and then learned we were denied the home modification but were told that we were still able to get into another resolution and paperwork was mailed out to us again for another option. However, we were unable to get into a workout solution until XX/XX/XXXX. Payments for XXXX, XXXX and XXXX we were under the impression that they were in forbearance and we came to learn they were not in XXXX and then were reported as late. Please consider our request to remove the negative credit reporting as we attempted over many months to make calls/inquiries to find another work out solution. We did not understand that this negative credit report was occurring as we were doing our best to reapply for another option. None of this would have happened, had we not been furloughed during the pandemic. I have been undergoing XXXX XXXX XXXX  and have tried my best to follow up on the documents, attempting to make regular calls to UWM to understand my options. Since our credit has plummeted after these reports, we are concerned for our financial future. When we disputed these reports with the individual credit bureaus the outcome notified us to contact UWM directly to discuss this situation. We are XXXX  XXXX  workers who were furloughed and thankfully we are working again but the impact of the negative credit reporting has been devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a medical bill for {$57.00} Account XXXX XXXX with no Collection or Original Creditor Name with no address or phone number as to where to call about the collection charge. I can not confirm or deny this charge without contacting the company who is reporting it and therefore this Inaccuracy should be removed or updated correctly asap with the Complete Collection Company Account information. Equifax is the only one reporting this and it is hurting my credit rating. I have submitted two letters requesting validation and proof of method of verification to Equifax on this account on XX/XX/2021 and XX/XX/2021. I have attached the letters for your reference. I have also included a copy of my credit report that shows the collection listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the XXXX, Equifax and XXXX to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: WI

Complaint narrative:
On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the XXXX, XXXX and Experian to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.

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