vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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.

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 2022-05-16 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

LVNV FUNDING LLC has violated my rights. 

15 USC 1681 Section 602 : states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1666B : a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late and for purpose.

To whom and all this may concern :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
I have submitted over XXXX disputes to TransUnion, XXXX XXXX XXXX about accounts that were appearing on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on which I received a notice back that they were investigated, verified and confirmed as mine. the account stating was opened XX/XX/XXXX was reported opened XX/XX/XXXX that is almost 5 months later so how was that verified. Transunion removed the inaccurate late payment from the account opened XX/XX/XXXX and then put It back without notice the next month. they have started not reporting my payment history and multiple accounts. I have called in to TransUnion and was told that they did take steps to verify and they have mailed me exactly how and I would receive it in the mail. upon receiving the mail there was no proof of verification just a paper stating it was verified and the inaccurate information would be remaining on my account. Transunion and XXXX have also deleted the account that was opened XX/XX/XXXX but remains on XXXX. I have never lived at the residence reporting this information and I have submitted my identity fraud information yet the item still remains on my XXXX account. I am now receiving letters that they could not verify my identity from the information that I have sent in so they have not investigated the issue. how are now the same documents I have been sending to prove my identity now now enough information for you to investigate my claims. 

the credit bureaus have stated that my accounts were properly investigated but how is that possible when the open dates are innaccurate, the date last active is inaccurate, the date of last payment and the account status is inaccurate. this is grounds for removal as they have also violated my rights under 15 U.S.C 1681 section 602 A : states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written consent

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 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: RI

Complaint narrative:
Hello, My problem today is with my mortgage company " Penny Mac '' back on XX/XX/2022 I received a call from my insurance agency saying that it was brought to their attention, 4 days before my " policy '' expired, that I have NOT had home owners insurance for the past year due to non payment. What seems to have happened is that penny mac sent a check to my current insurer XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1300.00} on XXXX but nobody knows where it was sent or if it was cashed. I received a binder that was supposed to be valid from XXXX to XXXX and even managed to refinance my loan in XX/XX/2022 with a GHOST POLICY I guess! I have tried many times with Penny mac to find out where this check went and if it was cashed. It has been almost two months now. Somebody owes me {$1300.00} dollars and I am looking for help finding who is responsible. I've already contacted the department of business regulation for insurance and they referred me to you saying that it seems like this would be on my mortgage company. I would greatly appreciate any help! Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT.

DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME!

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics.

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information ENTEGY is furnishing.

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, XXXX & EQUIFAX DATE XXXX DIFFER FROM XXXX, XXXX & EQUIFAX XXXX XXXX SHOWN AFTER CHARGEOFF HIGH CREDIT-DIFFER FROM XXXX, XXXX & EQUIFAX LAST REPORTED- DATE DIFFER FROM XXXX XXXX XXXX & EQUIFAX DATE LAST ACTIVE-DATE XXXX FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATE DIFFER FROM XXXX, XXXX & EQUIFAX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX  complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: MS

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL - DATES DIFFER FROM TRANSUNION XXXX XXXX XXXX XXXX XXXX OPENED-DATES DIFFER FROM TRANSUNION, XXXX XXXX XXXX XXXX AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT-AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX PAST DUE- AMOUNT SHOWN AFTER CHARGEOFF LAST REPORTED- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM TRANSUNION XXXX XXXX & XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.

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 2022-05-16 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: MS

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL - DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX XXXX OPENED-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT-AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- AMOUNT SHOWN AFTER CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX XXXX EXPERIAN & XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.

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 2022-05-16 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 have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes.please.Thank you.

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 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes.please.Thank you.

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 2022-05-16 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ), Account # XXXX ( XXXX ), and Account # 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 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-16 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ), Account # XXXX ( XXXX ), and Account # 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 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
My name is XXXX XXXX. I had an auto loan with Exeter Finance LLC. 

The reason for my email is to report the financial bad business concerns I have with my auto loan. I have spoken with Exeter Finance on several occasions about my loan ; the interest payment, why my extra payments or overage payments werent going towards my principal, and why my monthly statements require more money than my contractual obligations. 

This is a list of the concerns I would like the Federal Trade Commission to review. 

Exeter Finance billed more than my contractual obligations, my contractual payments were {$210.00} monthly. I was told it might be fees. 

Exeter would not apply extra payments toward my principal, even though I would call and request that the excess amount be applied to the principal. Example XX/XX/2019 {$100.00} principal payment was removed on XX/XX/2019 and then applied to interest only on XX/XX/2019. On XX/XX/2019, a payment from XX/XX/2019 was removed from my account and was never applied anywhere on my account. I confirmed with my bank that {$240.00} on XX/XX/2019 was paid to Exeter Finance. ( I never missed a late payment or was late on a payment ) I paid {$150.00} in interest on XX/XX/2019, when I questioned Exeter about it, I was told it was because of the number of days between my XXXX and XXXX payment. 

The interest payment did not decline as the balance declined. 

I paid my loan off one year and one month early because I was tired of going back and forward with Exeter, but I paid the same interest as if I had taken the loan to full term. I also believe I overpaid on the principal balance. 

These are just the financial issues I could identify. As Exeter representative explained to me once, " you would not understand the complexity of finances '' I ask that CFPB to evaluate all documents. 

I do have documents to support all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS has agreed to wipe away all debt from my credit report to all three reporting agencies... XXXX has done that, but XXXX and XXXX have not... 
XXXX deleted one of the debts, but 2 still have not been deleted. 

I have a letter that states this would be done.. 

Please contact XXXX and XXXX to have all of the debts removed ...!

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 2022-05-16 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: MD

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX Account # 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.

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 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
I paid my all debts for XXXX XXXXXXXX. Now after more than 5 years I received a notification from you that I am owing you a remaining balance. 
Not sure what you a re referring to. 

Case # 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 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
We requested an appraisal of our home to potentially remove the Private Mortgage Insurance requirement since we believe our home value is below 80 %. We paid US Bank {$450.00} for the appraisal. While the appraiser was in our home they asked what the appraisal was for which we responding the removal of PMI. The appraiser then asked if what we needed the appraisal to come in at, we responded with at least {$430000.00}. We felt a little uncomfortable by that question, but waited until we got the results from the appraisal. We received the appraisal back on XXXX which showed a home value at {$420000.00}. {$420000.00} was the same value as a smaller home that had been sold on our same street many months prior to the appraisal ( homes in our area have continued to increase in value ). We called that day and US Bank said we needed to wait for a letter back. We received the first letter Dated XX/XX/XXXX notifying us that the LTV requirement wasn't met and we could file a reconsideration of value request and send it back. We filled out the included forms and wrote a letter back ( attached as Appraisal ) and place in the mail on XX/XX/XXXX. We hadn't heard anything back, so we called back at the end of XXXX. The rep told us they were still reviewing it, but that we could also email them. We then called back a week later and the rep said we didn't respond in time. When we emailed the letter it had been 63 days since the date of the appraisal and needed to be within 60 days. After speaking with a senior representative they were able to find the original letter which they received on XX/XX/XXXX. The senior rep said they would reopen the reconsideration of value. Since that conversation, I received a letter dated XXXX that stated I didn't respond in time and a second letter date XX/XX/XXXX which was the same as the original reconsideration of value letter dated XX/XX/XXXX. I called US Bank and the first representative stated that my request was denied. I then spoke to a second senior rep who said they had mislabeled my original letter and they would be reopening and reconsidering the 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 2022-05-16 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: PA

Complaint narrative:
The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX was properly investigated however this can't be possible if the open date is inaccurate. The date last active is incorrect and the date reported is also untrue. These circumstances are ground for removal. 

Furthermore, the bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. My rights were also violated under 15 U.S.C 1681 Section 11 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me when they receives any of my disputes.

Moreover, the credit bureaus have continued to violate my rights under 15 U.S.C Section 611 ( 5 ) ( a ) ( l ) ( ii ). The states if items are found to be documented falsely or can not be confirmed the consumer reporting shall promptly delete the information from the file of the consumer My last name has legally been XXXX since XXXX I have paid my mortgage in full to XXXX XXXX ( Mortgage ID XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is properly spelled XXXX not XXXX Please delete IMEDDIATLEY

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 2022-05-16 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: CA

Complaint narrative:
Sent Police Report along with FTC identity theft affidavit identity to Experian ( twice ), XXXX, and XXXX. The Accounts were removed by XXXX and XXXX. Experian has failed to remove the accounts, and have also failed to provide to me the investigation process and details used to verify the accounts, which is information I have the right to, under the FCRA 609,611. Experian is clearly in violation of FCRA 609 and FCRA 611. Even after receiving a request to delete the account, Experian is still reporting the fraudulent account on my Experian credit report. If they do not remove the account, I will be force to pursue legal action against Experian.

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