vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/2022 we did a full payment to payoff the car XXXX ( XXXX ). As of XXXX the loan amount of XXXX is still on my credit report. I am trying to purchase a new vehicle for my daughter and the additional XXXX has lowered my credit report. Plus the fact that the loan amount is not dropping makes the XXXX think I am missing payments. I contacted Hyundai XX/XX/XXXX and they advised it would be fixed. New car has arrived and I will be purchasing on XX/XX/XXXX and it is till not fixed. I will now have a higher interest rate and have to pay additional cost. I have called Hyundai again and they say there is nothing they can do as the credit department only work from a XXXX XXXX XXXX I need the XXXX removed from my credit report and would like compensation for the additional cost that I have to pay due to non removal of loan from credit 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 explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
We continue to receive request to collect debt from a XXXX mortgage with XXXX XXXXXXXX XXXX ( Account number XXXX ). After our bankruptcy in 2015, XXXX sold the mortgage to a debt collector, XXXX XXXX XXXX ( Account XXXX XXXX ) after receiving our discharge paperwork. XXXX XXXX XXXX continued to harass us for full payment and late penalties after we provided discharge paperwork and instructed them to contact our attorney with further questions. They then sold the loan to RightPath Servicing ( Account XXXX ) who is now harassing us after receiving a letter from us stating that the mortgage was XXXX in bankruptcy and threats to report them to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: Klarna AB
State: FL

Complaint narrative:
Previously I opened a few returns for items purchased using klarna. They extended the payments automatically and with help by company. They were predatory and the Rep did not disclose the amount of late fees, either did supervisor or anyone else notify me of this. Can i have a list of all late fee amounts? Showing for each one the amount and the order reference number coinciding to each. Please provide this or escalate to a supervisor to provide please.

1 ) I would like an itemized list of all late fees charged ; showing the amounts of late fees and the coinciding order numbers.

2 ) I would like to request that all these late fees be waived as a 1 time courtesy for each order. I opened returns and then decided to keep the item. So the return closed. I specifically went into each order if you look that was a return and asked this question. Each rep and supervisor in these chats did not disclose or mention these fees. I specifically asked. This is illegal. Please escalate this request to get me an emailed list of all orders that late fees applied to. Also escalate a refund request for each of these late fees for refund by a supervisor.

3 ) please provide me a copy off all the klarna customer service app chat notes and transcripts on the account printed mailed as well as emailed.

Please do this to avoid complaint to attorneys, ftc, XXXX, cfpb, attorney general and governor as well as the ada. Again, I can not speak on the phone due to a XXXX and was forced to utilize the chat forums that only allow screen shots. No option to copy paste or save print the conversation logs. So can you provide this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I switch phone companies From XXXX to XXXX before switching I called XXXX to make the switch I paid my remaining balance and anything left on the bill. Now on XX/XX/XXXX Ic system inc showed up on my credit report saying I owe XXXX XXXX which I paid before I switched from then to now its showing up unpaid

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 2022-09-28 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting Act. XXXX Account # XXXX at Acima finance violated my rights 15 U.S.C 1681 Section 602 A. States I have to privacy 15 U.S.C 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. UNKNOWN CREDIT ACCOUNT DUE TO REPORTING AGENCIES NOT PROVIDING IT. CREDIT LIMIT {$2000.00} ( OPENED XX/XX/18, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. UNKNOWN CREDIT ACCOUNT DUE TO REPORTING AGENCIES NOT PROVIDING IT. CREDIT LIMIT {$2000.00} ( OPENED XX/XX/18, WITH NEGATIVE ITEMS IN YEAR XXXX, XXXX, XXXX, XXXX, XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX AND XXXX SHOWING " OK '' IN THEIR REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
For the past XXXX years, Navient has been calling my number daily at XXXX. 

I have no debt with them, and when I called and spoke to their rep on XX/XX/XXXX, I gave her my social security number and she verfied that I am not in their system. In fact, I have no debt with them, nor do I have a student loan. 

I requested to have them remove me from their call list, so she took my information and forward it to the calling department. 

I have been on the Do-Not-Call Registry since XX/XX/XXXX. 

On XX/XX/XXXX I had reported the unwanted calls on that Registry. 

As usual, the calls continued and I began documenting them. On XX/XX/XXXX I got a call at XXXX XXXX, and the following day XX/XX/XXXX at XXXXXXXX XXXX I got another call. I blocked them. 

However, they manage to call from new numbers to call from after they have been blocked. These are harrassing phone calls, as they occur every day ( sometimes multiple times per day ). 

Here are some of the numbers I have blocked from them in the last few months : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, I do not owe a debt with them, nor do I have a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: STERLING JEWELERS, INC.
State: IA

Complaint narrative:
I tried contacting the bureaus on a account that seems to be reporting as a duplicate on credit report and inaccurate. Both accounts seem to have a {$0.00} balance with a charge off. 
I do not recall having this account. Back in XXXX or beginning of XX/XX/XXXX I wrote to XXXX XXXX asking to delete account as it is stating in accurate results came back still in accurate even after I just provided proof of inaccuracies. After I got these results back in XX/XX/XXXX, I wrote to XXXX again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking to provide method of verification and on a different occasion I asked to delete as I dont recall having this account open. I would like to know where information is coming from, especially when results continue to come back inaccurate. I have not received any document stating where information is coming from. On one of the accounts payment history reports OK as agree were on the other account and its reporting charge off. This is not possible if information is coming from same furniture data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX encounters error when processing request for Equifax credit report. Going to equifax website, Im required to create an account to access free credit reporting request. Once account is created, clicking on request free credit report results in website hanging and not advancing to report generation- we are temporarily unable to complete this request. Unable to reach an agent at Equifax despite numerous attempts to navigate their phone tree. After saying consumer financial protection bureau complaint to the automated system, I was immediately connected with a customer service agent. They were unable to provide me with a copy of my report and are only able to mail to me- this will be sent out in XXXX business days. The agent had not received any notification that there was a service outage with the website when I asked why I couldnt obtain my report through my online account. Every year it seems I run into issues with accessing my Equifax report - last year I had to submit a paper request and wait for that to processed before they mailed my report to me. At this point their process seems purposefully obstructionist and detrimental to the protection of my credit as the time it takes to receive my report delays my ability to assess changes to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: MD

Complaint narrative:
I have made several attempts to have these items removed from my report and no one is responding or deleting this misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NY

Complaint narrative:
I made XXXX payments from my husbands incorrect bank account that were returned in the month of XXXX. On XX/XX/XXXX, and XX/XX/XXXX. I rectified the situation and paid the mortgage on the XXXX of XXXX, so the mortgage was paid on time. This month I went to make my mortgage payment I was told I could not make my mortgage payment online by debit card or bank account. I now have to pay a late fee including an overnight fee to send certified funds to The money Source so that they receive my payment on time. I have never been late on my mortgage and am absolutely dismayed and the lack of customer service and understanding from this company. They are telling me I have to send certified funds for XXXX full months which is outrageous and a huge waste of my time and money. This is a disgusting money grab from this so called servicer. I am not supposed to spend money on shipping for something I should be able to do online or even over the phone with a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: MD

Complaint narrative:
I have made several attempts to have these items removed from my report and no one is responding or deleting this misinformation.

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 2022-09-28 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: MD

Complaint narrative:
I have made several attempts to have these items removed from my report and no one is responding or deleting this misinformation.

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 2022-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
Called EdFinancial Services on XX/XX/XXXX to request a refund for payments I made during COVID. My loans were transferred over from XXXX XXXX in XX/XX/XXXX, I was told they would reach out and account for any payments I had made to XXXX XXXX. 
Called XX/XX/XXXX and was told my request has not been processed and they didn't have information on how many payments I had made to XXXX XXXX that would be eligible for refund. I was also told they don't have any timeline for when my request would be processed. 
If my request is not processed I could miss the window for the student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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