vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data

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 2024-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I requested that my online account information be updated to reflect payment received on XX/XX/XXXX in the amount of {$1500.00}. Please see the attached verification from XXXX  XXXX XXXX that the transaction was completed on XX/XX/XXXX. Funds in the amount of {$1500.00} were transferred to Freedom Mortgage on XX/XX/XXXX. 

In addition please see verification from XXXX  XXXX XXXX of payment transaction in the amount of {$210.00} to be completed at XXXX on XX/XX/XXXX to satisfy the outstanding balance created by an increased escrow amount. 

It has been 15 days since Freedom Mortgage company has been in possession of {$1500.00} which was identified in the electronic transaction as payment on account XXXX. Failure to update their records to reflect an outstanding balance of less than {$200.00} dollars appears to be an intentional effort on to create a default on my loan. 

When searching for a means to contact the company electronically to provide evidence of payment I located the email customercare XXXX XXXX. Emails sent to that address were returned with a message indicating unauthorized to send to this address. Information available when speaking to a representative reflects that a payment has not been received in XXXX although the company received payment of {$1500.00}. Another payment in the amount on {$200.00} has been scheduled to be electronically transferred within less than XXXX hours. 

The company is creating a situation wherein their records reflect that I have not made any payments since XXXX and I am potentially at risk of having defaulted on my loan. Once that process has begun I will be charged late fees and experience difficulties in satisfying my financial responsibility to the company.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may Concern, I would like to file a complaint against this company. Back in XX/XX/XXXX, my car got repossessed for nonpayment. Which was financial issues. Anyway, I paid them {$4000.00} and that was to cover the months that I have missed and all the other fee 's that I was told that were included. Then in XXXX of XXXX, I was told that I had to pay more fees and this company couldn't justify that. They said that I owed more fees. So looking at my payment history I have made XXXX payments. with a total of {$31000.00} However, looking at my credit report they haven't reported anything to the 3 credit bureaus since XXXX of XXXX. 

I have asked the company why they aren't updating anything and they said you haven't made any payments. I stated yes I have and I have proof. It might not be all of it but 1/2 of it as I am paying for other expenses like medical bills, rent, and so on. So I got really suspicious and started to do my own investigation. 
This is what I paid according to them : XXXX XXXX XXXX XXXX : XXXX ( on XX/XX/XXXX I gave them {$1000.00} ) XXXX  {$650.00} XXXX {$710.00} XXXX skipped XXXX {$650.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$500.00} XXXX {$500.00} XXXX {$600.00} The total for the year {$7000.00} is what they are saying I paid however what I paid to them is {$7600.00} up to this point and I have documentation to prove what I sent them. So each year its {$7800.00} total for the payments on my car. So according to their statements, it's saying late charges of {$280.00} then other charges of {$86.00} which they can't justify what the other charges are for. No one in their department can say that. I want to file a complaint because of the incorrect information on my credit report. If you look at the credit report it states that I owe XXXX when I look at my account it states I owe {$18000.00}. I can't refinance the car because the companies say they blocked me from refinancing the loan. 

I have been lied to and threatened by these people in voicemails. They call and harass you all hours of the day when I tell them I work the XXXX shift I can't talk as I am sleeping most of the day. They said so we will still call. Overall the payments I have made so far is {$31000.00} when I add all my payments up. I just want answers as to why they aren't updating my credit information. Fair is fair and even tho I am making payments you are supposed to report them to all the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I received an alert that a 3rd party agency reported a balance to my report on XX/XX/. They stated that it was opened on XX/XX/. I have not opened an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX An unlawful account was created on XXXX XXXX and added to my credit report XXXX XXXX XXXX this account was illegally added to my Credit Report I am writing to dispute the inclusion of Child Support Delinquent Child Support Payments, Judgements, Liens Fines on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 
I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXXXXXX. I have enclosed supporting documents supporting the inaccuracy of these entries. 
Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the DISPUTED ITEM from my credit report. 
Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, La XXXX XXXX : XXXX XXXX XXXX XXXXXXXX

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've contacted the XXXXredit Reporting Agencies several times both via phone and mail to see why discharged accounts that have been canceled on behalf of the creditor are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility of reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit.

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 2024-02-15 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: PA

Complaint narrative:
I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
On XX/XX/2023, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2024-02-15 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: MD

Complaint narrative:
I looked at my report on XX/XX/year> and I noticed some things are incomplete and not accurate. And According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXX XXXX XXXX ), are not complete and accurate. 

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any investigation 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 shall- ( i ) 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 investigation ( ii ) promptly notify the furnisher of that information that the information has been deleted form the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure the b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681 s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relying to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified. by the consumer, at address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have evidence to prove my case. 

SEE ATTACHMENTS

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 2024-02-15 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attempted on numerous occasions over the last year to inquire about several accounts on my Transunion credit report. These items are negatively impacting my credit score/report and I have yet to receive any information from Transunion to validate these accounts. 

They have failed multiple times to provide me with any supporting documentation or proof that these accounts are accurate, true and should be on my credit report. I have sent letters requesting that these accounts be fully investigated to determine their validity and Transunion has not responded to my request.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC
State: NY

Complaint narrative:
I paid my bill yet it is saying overdue and dropped my credit score XXXX points. Now i am unable to get a credit card I need to purchase my books for school. My cosigner, XXXX XXXX, also had a huge drop in his score. But we paid the bill already. I am also in the grace period of the loan so I dont understand how i could be late if there is nothing due at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Camelot Financial Services, Inc.
State: OK

Complaint narrative:
I believe my first missed payment was XX/XX/XXXX XXXX let them know that I was no longer working and that I was expecting a settlement and that when I go my settlement I would pay them their money. And XXXX of the thing they told me was if I had any problem that they would work with me. Which turned out to be a lie they keep calling me texting me sending me letters.Today I told them this again XX/XX/XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Midwest Diversified Recovery Services, LLC
State: OH

Complaint narrative:
Collector called my place of employment looking for me. I asked them to contact me on my cell phone. They continued to contact my place of employment after asking them not to. I was actively paying the balance of the debt that I owed. There was no reason to contact my employer. My debt is fully settled at this point.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-15 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: Westlake Services, LLC
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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 2024-02-15 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX In XXXX my husband and was leasing to own a home in XXXX  that the owner who was also a realtor asked for XXXX for the home. My husband and I had low credits score and we applied for a mortgage loan with well-fargo for the XXXX with an adjusted yearly interest rate at that time of purchase interest was 6 percent. The wells Fargo home loan officer we were working with told us that we had to also take out a two loans because our credit score was low so we had the 1st loan for XXXX that the realtor wanted for our home, plus we had to take 2nd loan for XXXX with a very terrible interest rate of 18 percent for our home that wells Fargo said we had to do. We were both young and excited to be purchasing a home as XXXX XXXX homeowners. We paid that extra mortgage of XXXX with XXXX interest rate for over XXXX. We sold the home in XXXX. I am reaching out to you because we believed we were treated unfairly and was racially profiled and judged because of our low credits score and race. I know there are more people that were manipulated and treated unfairly as well. Because of well Fargo negligence. We still have no idea why we had to purchase a 2nd mortgage of XXXX other than what wells fargo said. Which we believe was unjust please let me know if you can help us.

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 2024-02-15 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:
Subject : Formal Complaint Against XXXX XXXX XXXX, XXXX, Experian XXXX XXXX for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXXXXXX XXXX  for blatant violations of my consumer rights. Despite multiple attempts to resolve the matter directly with the bank, I have received no responses or assistance, leaving me no choice but to escalate this issue to the appropriate regulatory authority. 

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights outlined in 15 USC 6802. This statute grants me the authority to opt out of any and all authorizations, whether written, verbal, or non-verbal, that I may have previously granted to the bank. This opt-out is effective immediately, and I expect full compliance from XXXX XXXX XXXX XXXX 

Furthermore, I urge you to consider the provisions of 15 USC 6802 and 15 USC 6805, which clearly outline the responsibilities of financial institutions regarding consumer privacy and data protection. XXXX XXXXXXXX XXXX XXXX disregard for these crucial statutes has resulted in a breach of trust and a violation of my privacy rights as a consumer. 

Additionally, I want to emphasize that as a consumer, I am entitled to the protection afforded by all laws stated in the Privacy Act of 1974. This legislation safeguards individuals like myself from unwarranted invasions of privacy and ensures that financial institutions handle personal information responsibly and ethically. 

I expect the CFPB to thoroughly investigate this matter and take appropriate action against XXXX XXXXXXXX XXXX for their failure to uphold my consumer rights. Furthermore, I request that you provide me with updates on the progress of this investigation and any steps taken to rectify the situation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my rights as a consumer. 

Sincerely, 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 explanation