vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX XXXX I was approved for a joint auto loan. My banking account was used for all the payments for the whole duration of the loan. I made all my payments on time and had no major problems until XXXX of XXXX. I was told I had {$460.00} balance remaining on my loan from XXXX of XXXX, XXXX XXXX XXXX of XXXX, IL never contacted me or show this balance on any of my recipients before XXXX of XXXX. This company falsified payments and the amount paid to all three credit bureaus. As of today XXXX XXXX this auto loan is currently open on my XXXX XXXX account with a balance of {$460.00} with the wrong Lender contact information. I have this auto loan paid-In full as of XXXX XXXX. I dispute both TransUnion and XXXX Credit Report on XX/XX/XXXX On XXXX XXXX I filed a complaint with the Better Business Bureau as well. I spoke with XXXX XXXX XXXX on the following dates ; XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via phone which were recorded and save because of previous inaccurate information given to me on several different calls. The Lender Change the date to XX/XX/XXXX with the credit bureaus for my auto loan approval date and didnt report my last car payment for the month of XX/XX/XXXX. Its so much fraudulently activity taking place within the company its ridiculous. The Lender refused to call XXXX credit Bureau to close this account that is currently open..stating they dont report to XXXX credit Bureau. I received conflicting information on which credit bureaus this lender report payment history too. This company has destroyed my credit score and stole money from me as well

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 2022-11-22 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XXXX XXXX I was approved for a joint auto loan. My banking account was used for all the payments for the whole duration of the loan. I made all my payments on time and had no major problems until XXXX of XXXX. I was told I had {$460.00} balance remaining on my loan from XXXX of XXXXXXXX XXXX XXXX XXXX  of XXXX, IL never contacted me or show this balance on any of my recipients before XXXX of XXXX. This company falsified payments and the amount paid to all three credit bureaus. As of today XXXX XXXX this auto loan is currently open on my Experian Credit account with a balance of {$460.00} with the wrong Lender contact information. I have this auto loan paid-In full as of XXXX XXXX. I dispute both XXXX and XXXX Credit Report on XX/XX/XXXX On XXXX XXXX I filed a complaint with the XXXX XXXX XXXX as well. I spoke with XXXX XXXX XXXX  on the following dates ; XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via phone which were recorded and save because of previous inaccurate information given to me on several different calls. The Lender Change the date to XX/XX/XXXX with the credit bureaus for my auto loan approval date and didnt report my last car payment for the month of XX/XX/XXXX. Its so much fraudulently activity taking place within the company its ridiculous. The Lender refused to call Experian credit Bureau to close this account that is currently open..stating they dont report to Experian credit Bureau. I received conflicting information on which credit bureaus this lender report payment history too. This company has destroyed my credit score and stole money from me as well

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 2022-11-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I made all my payments had have been paying them each month since I got the car. The moment where m payments were paused was during the covid time in XXXX. I spoke to representatives over the phone about having issues with payments in the months of XXXX and XXXX of XXXX but I guess they did not update the notes. I paid them but was having issues with the method of paying them not working properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: MECHANICS BANK
State: CA

Complaint narrative:
My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. The dealership ran the credit app againts 5+ different institutions. I have locked all my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. The dealership ran the credit app againts XXXX different institutions. I have locked all my 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 2022-11-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Please issue a formal statement for Balance Charged Off or Owed Customer 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 explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: OR

Complaint narrative:
Using Wise ( formerly Transferwise ) I began a transfer of around {$4000.00} USD into XXXX Pesos on XXXX XXXX, 2022 using a business account. 

-It is important to note that setting up the business account cost me {$31.00} USD and it required me to provide proof of address of the business, ID 's of myself and account details for my business. 

The next day, on XX/XX/ 2022 and after XXXX hours that Wise received the money they asked me again for proof of the bank account transfer and proof of ownership to this bank account ; I submitted them immediately. After XXXX hours of submitting it Wise sent me another email asking for the same details : I uploaded them again and called their customer service line ; they told me that I uploaded the documents in a wrong place but they've found it and will take care of it ( I did not wanted to argue but there is only XXXX place I could upload information ). 

XX/XX/2022 still no news about the transfer. I called again and they told me they would take a look into it. After this, a button to share the status of the transfer appeared on my end and it was shared with the receiving end ( the estimated time to deliver the transfer was at most XX/XX/XXXX ). 

XXXX XXXX, 2022 after another unproductive call to the customer service line another set of documents were requested over email and the web app. They ask again for proof of ownership of the account and again for an ID which i submitted. They confirmed they've received the documents but should wait XXXX hours. 

XXXX XXXX, 2022 the button to share the status disappeared sending a very troublesome communication to the receiving end. Delivery status changed to undefined. I cancelled the transfer and asked for reimbursement. 

After this I called every week to customer service without effectiveness. My money is still on Wise 's hands for a month now and with no clear date to when will I get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
They keep misapplying escrow payments. Anytime an adjustment needs to be made for escrow, I pay the adjustment rather than having the payment change. Their attempt to correct the situation changed my payment from {$810.00} to {$880.00}. This is happening monthly and I wonder how many other people this is happening to because the person posting the payment has no clue what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have sent over a dispute request, explaining that I have no knowledge of the debt. My identity was stolen. I have police reports I dont even live in the state. Also my identity and privacy is not being respected and has been violated. My records have been shared, which is a privacy breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I paid the full balance but company said I owed them {$0.00} which doesn't make sense when I paid my full balance. They did not contact me until I got a ping from my Experian app saying score dropped and I looked and then called XXXX since its a XXXX XXXX. They claimed I did not when I asked why they did not contact me before saying remaining balance is due. Which caused them to say we sent you to collection so speak to that department. I was going around calling different people spent XXXX hours trying to figure out why I got into collection.

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 2022-11-22 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: FL

Complaint narrative:
Experian has defamed my character, I have tried several times over the last few months to exercise my federally protected right to extend credit and because of the defamation of character and my reputation being damaged based on the information that is displayed on my consumer report, I have been denied credit continuously.

I have also tried several times to contact Experian to have them remove the information, the case would open and 2-3 days later, the case would be closed with no explanation OR it says the information has been updated but there are no changes to my consumer report.

The inaccurate information that Experian has placed and allows to continue to be displayed on my consumer report is making it impossible for me to take care of my family and get the items that we need for my personal household.

There area also inquiries on my consumer report that need to be removed as well.

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 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a customer of SunTrust for over 20 years and never had any problems. When it merged and became Truist, I started getting charged ridiculous arbitrary " assessment '' fees on international transactions, including on top of ATM withdrawal fees. I spend most of my time overseas, so these fees add up quickly, and they are something SunTrust never charged. Truist claim to have sent a letter notifying me of this, but I never received it and I never would have consented had I known in advance. I have contacted the bank many times, but they claim there is nothing they can do, which is only because they don't want to do anything about it. This is straight-up theft, and unless these ridiculous fees are canceled, I will be closing my accounts and taking my money elsewhere.

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 2022-11-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account Experian is reporting as delinquent, ending in XXXX, was opened illegally. XXXX XXXX  violated my rights under the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. The attached documents explain in detail the violations and the CFPB ruling pertaining to these illegally opened accounts and violations. CFPB 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 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Someone is continuously does application in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: VA

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. 
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 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 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 2022-11-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022 it's been well over XXXX days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have XXXX days to respond to my dispute. This is a violation of my rights.

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 2022-11-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I made all my payments had have been paying them each month since I got the car. The moment where m payments were paused was during the covid time in XXXX. I spoke to representatives over the phone about having issues with payments in the months of XXXX and XXXX of XXXX but I guess they did not update the notes. I paid them but was having issues with the method of paying them not working properly.

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 2022-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I reached out doing disputes /police reports my privacy has been violated my personal information has been stolen and shared

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 2022-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XX/XX/2022, XX/XX/2022, And XXXX XXXX XXXX but the bureaus did not remove the items below. 

Sec. 602 FCRA States " I have a right to privacy '' XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens overpaid my property taxes by {$1200.00} in XX/XX/2022 causing a shortage in my escrow account. Because of THEIR mistake, they are now raising our monthly mortgage. This large error would not have happened had I been managing and paying my bills myself. You would think an escrow department that specializes in these types of things would not be so careless. What is the point of having them handle these things if they only cause stress and damage? 

I have contacted Citizens multiple times about this and they said to just pay the increased amount and wait until the next analysis done in a year, which is absolutely unacceptable. Why should I pay the much higher mortgage for an entire year because of their error? CITIZENS should cover this portion of the shortage since they are at fault. 

Citizens received XXXX tax bills for our property, XXXX was the correct amount, the other was an incorrect amount, yet they made the error of paying both and are trying to make me pay for it. Their employees clearly did not care enough to look at my account and see that the property tax had already been paid before paying it yet again. How can they be so careless with other people 's money? Why are they allowed to make mistakes like this and not be held accountable and just pass the consequences onto the innocent party?

Company response to consumer: Closed with explanation