vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$18000.00} XXXX XXXX   XXXX {$650.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX  XXXX {$470.00} BANKRUPTCY   XXXX {$0.00}

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 2020-04-09 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$500.00} BANKRUPTCY  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My home loan was transferred to Shellpoint Mortgage comapny approximately a 17 months ago. At the time my mortgage was transferred I didn't have my insurance premium impounded. For some reason in XXXX of 2019 they decided to send my insurance company a payment for my insurance premium for the entire year and then impounded my insurance. At the time I called and asked that they remove the impounds for insurance and since I could no longer trust them, I didn't want my taxes impounded either. I got transferred to various departments and they told me they had to do an impound analysis and process my request. They said they removed my insurance impound but I had to pay back the {$750.00} premium which would take a year and then I could remove the insurance portion once the premium is paid back. I have paid back the premium and they still are charging me. Every time I call in they say it's been cancelled but they don't know why I am still being charged and they refused to remove my impound account for the taxes and are still charging me. They continue to charge my account and every time I request it, they tell me there is an escrow analysis they will run. Every time I call in I get misinformation, no one knows what's going on and my problem doesn't get resolved. They never even sent me a letter formally denying my request to remove my tax payment. I had to call in to find out. When I called in today they said they haven't done an impound analysis since XX/XX/2019, but last year they told me in XXXX and XXXX they told me they completed an impound analysis.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, a balance of {$1600.00}. No idea what this is and company didn't have any information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital System is trying to collect {$10000.00} from me and put it on my credit report. I don't owe this company anything, I don't even know who they are. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. N/A with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$120.00} -This is not my account. 

2. N/A with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Credit services is trying to collect {$5600.00} for a XXXX XXXX XXXX account, thats unheard off. I haven't been with XXXX XXXX XXXX in years. I never received the devices I were supposed to get. I have plenty of documents supporting this. Remove Please

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 2020-04-09 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX {$500.00} XXXX  XXXX {$0.00}

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 2020-04-09 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got XXXX and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I continue to be contacted about an 11 year old Wells Fargo debt that was settled six years  ago in collections. 

I've had at least three new collections agencies call me and threaten legal action in the last year. They say they have mailed me a summons, they say someone has come to my house with a summons and I ignored them. They say I will be taken to court and my wages garnished. Now a new one is calling. They call and disturb my mother 's house. The new # is XXXX They start yelling on the phone and talking over you when you try to explain that it's taken care of. They tell you it's too late. You tell them to take your number off their list, they continue to call and bother my mother. They are even calling my sister who has an old phone # I haven't used in almost 10 years. 

It seems there is no way to stop this never ending cycle and it's all Wells Fargo 's fault, since they were hacked it's all started happening.

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 2020-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
As many Americans I am not working due to the Coronavirus Pandemic. Bridgecrest will not help the customers. They will not give 2 weeks for payments to be made. Their answer to everyone is file  unemployment or use your Stimulus check first to pay our loan. 
Every other car company I know of are putting their customers first. Bridgecrest is only putting themselves first!

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 2020-04-09 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: CA

Complaint narrative:
On XX/XX/2020 a certified letter was sent to Equifax Credit Bureau exercising my right as a consumer requesting information through the method of verification, along with a copy of the record obtained on the bureau 's website with the purpose of knowing how bankruptcy information was obtained by the bureau. 
In the same letter, I highlight the time limit when this response should be delivered in accordance with the FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

According to the USPS records the letter arrived on XX/XX/2020 at the unit XXXX XXXX XXXX, XXXX, GA. XXXX, but as of today XX/XX/2020 I have not received any response from the credit bureau, therefore based on the credit bureaus lack of compliance with the method of verification I am requesting the item be deleted immediately from my credit report. 
This is a formal complaint which if no further action is taken by the bureau it should be considered as a step prior before pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing took over a loan which I previously had with XXXX XXXX XXXX. I have tried to get a short sale approval on my property with an offer already in place. I've sent them all the docs requested and have tried to follow up to see the decision or status since early XXXX. Each time I call they claim not to have received the docs. When I give them the dates I emailed them, they search and then say they received them. I called today and they tell me my application was withdrawn even though they acknowledge they have the required docs. Now they tell me they will send a letter advising the underwriter that I still want to get an answer as to the short sale and she advises me I will need to resend all the docs again. I've never dealt with a company so inept. One can never speak to the person that reviews the docs only individuals incorrectly reading an out dated request for docs. 
When asked to speak to a supervisor they advise they will need to call me back and they never do. This process is going to cause me to be foreclosed instead of having a lesser effect of a short sale on my credit. My account # is 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 2020-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I took out a loan with a buisness while I was actively working, to date I have been out of work due to this horrific COVID19 virus, not sure when we will be able to work, i am a XXXX  that does XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX  and it does require us to go on the inside of the homes. I took this loan out XX/XX/XXXX, I called them as soon as I wsa laid off around XX/XX/XXXX or XXXX, I asked them if we could please make a deferrment or allow me a forebearnce. I also told them I was not quite sure when I woudl get back to work as for the information I had recieved, i was goinng to have troulble making alot of bills, wasnt quite sure what to do but hoping they would umderstand what out President had mentioned and little understanding. Im not home due to a lack of not tryihng, I would like to have a deferrment or do away with the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from 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 explanation
Consumer complaint received 2020-04-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020 ; I contacted Equifax to attempt to dispute my credit score suddenly dropping due to me paying off my credit cards. I had to purchase a credit report for {$15.00} to discuss why the sudden change to my score. The agent was unable to explain why my score decreased by 10 points. After about 45 minutes of holding I was transferred to another agent who attempted to assist me and after asking me 10-20 different questions about my profile he proceeded to tell me he could not access my profile. The previous agent was able to access my profile and see my credit report, the escalated team could not. What's puzzling is I was able to pay to see my credit report, but couldn't access my report due to their unclear security questions. I was then transferred to a supervisor who also could not access my account or answer my question as to why my score dropped. It almost appears as if they were trained to avoid the customer 's request for any information. 

Their security feature is flawed and those questions are not set by the consumer therefore its almost impossible to answer them all correctly. The simple response of its " for the protection and security of my account '' is false due to the fact Equifax accepted my payment for my profile which the first agent was able to access. Then when I began asking questions about my credit score they could no longer answer my questions. These actions appear to be very deceptive to deny a consumer the right to dispute incorrect information. 

My chief complaint is regarding my credit score dropping which appears to be a common theme among the 3 credit bureaus and Equifax is no different. I'm also requesting that on my not be inaccessible to me particularity when I am paying for their service! 

I am requesting my credit score points of 12+ points be returned to my credit score as I should not be penalized for paying off debt. This also contradicts the information on their website that maintaining a low credit usage helps improve your credit score. This is false advertising and misleading. 

I have attached a list of other consumers who have complained about this false and misleading information. 

I was on the phone with the agent for almost two hours with no resolution. I'm hoping

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: FL

Complaint narrative:
I have exercised my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that is listed on my consumer credit report : XXXX  XXXX XXXX disputed accounts # XXXX and # XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. In response to my previous request and complaint Experian responded on XX/XX/2020 stating that they have " verified '' the disputed XXXX  XXXX XXXX accounts. However, at this time my request is not about VERIFICATION, although these false accounts are obviously disputed - I am exercising my right to REQUEST INFOMATION REGARDING ITEMS on my credit report. 
Therefore, this is not a duplicate complaint or 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 explanation
Consumer complaint received 2020-04-09 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: CA

Complaint narrative:
I applied for a loan at XXXX XXXX XXXX today XX/XX/2020 and I was not approved because apparently there are many accounts in negative standing appearing on my credit history. I looked through each account and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information. I do not have any relationship with any of these companies nor do I have a contract or agreement with any of them. I did not benefit anything at all from these accounts and I did not take part in any purchases or payments made towards these accounts. I have already notified these companies as well as filed a police report regarding this suspicious activity on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I was able to dispute some of my medical bills. There is a balance from the original debtor XXXX XXXX XXXX of {$1000.00} and it is reflected on my XXXX XXXX The account is now with Transworld Systems and they are trying to collect more than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
I've submitted a police report and FTC report to Lexis Nexis regarding fraudulent bankruptcies reporting on my Lexis Nexis profile. I was told by the rep from Lexis Nexis that matter would take four days to resolve and remove from my record. Every time I call Lexis Nexis I'm given the run around and told inaccurate information.

Lexis Nexis has continued to drop the ball and not rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX {$320.00} reported balance Date opened XX/XX/XXXX Delinquency reported XX/XX/XXXX XXXX XX/XX/XXXX. 
This has inaccurate dates and amount due. Iam requesting that this account be removed/deleted off of my 3credit bureau reports and FICO SCORES!

Company response to consumer: Closed with explanation