vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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:
I contacted Transunion and mentioned that I have unauthorized inquiries on credit report. I actually spoke to a supervisor : XXXX XXXX. 
I was told that these creditors had permissible reason to access for credit file while I stated that they did not. 
He explained that permissible reason was that I gave consent which I have not given, they offered a service I was interested in and they dont, and lastly that they didnt need my written permission if they were associated with someone I had given permission to previously! 
The following creditors : XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/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 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have inquiries on my Transunion credit report that I did not apply for or authorize. I have put a freeze & fraud alert on my credit report but was told to contact the Federal Trade Commission to have the following inquiries removed : XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 2021-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a letter back in XX/XX/2020 and again in the beginning of XX/XX/2020 and my letters are being ignored. Also I have many duplicate accounts on my report, false late fees, and bankruptcy past XXXX years old and many other discrepancies keeping me from closing on my house. This is so unfair to me as a consumer, the bureaus are ignoring peoples needs and not sending letters back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, On XX/XX/XXXX, I messaged BBVA to inquire about a credit limit increase. I thought there was a certain amount of time before a new customer is eligible for an increase and didnt want to waste a hard pull by asking too soon. 
Via messaging they told me I could ask anytime, theres no time to wait. It would be hard pull etc. thats fine. I knew I wouldnt be denied based on credit worthiness. 

So, I took the hard pull and applied and I was denied based solely on the fact that I asked too soon! Length of time accounts have been established. 

I asked why I was lied to and basically I was told too bad. It should be illegal to lie to people and have them take a hard pull and deny them based on something you said was a non factor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
XX/XX/2021 XXXXXXXX XXXX  I can not obtain my account number from the credit card company. In order to login to my account and close my account, compare balance to payments, and general access. They send my statements electronically online but I can't access the online portal without my account number. The card has been destroyed and when discussing with the representative they stated that they would mail me a statement with my full account number. This was a lie. The statement mailed did not include my full account number. 

They closed my account after I paid the remaining balance but then I received another notice of an amount due. I have no idea where this amount came from.

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 2021-04-16 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: Capio Partners, LLC
State: NJ

Complaint narrative:
I just happen to check my credit report and I noticed CAPIO Partners LLC, I said, what the XXXX is this? I opened it and it says it is because I owe {$1000.00} to XXXX  Hospital for XX/XX/2020. I didnt live in Florida, I live in New Jersey and I did not visit Florida  and there is a pandemic going on. This has impacted my credit score and I dont even understand what this is. I want an investigation. Proof of hospital bills and signature that this was me. I have utility bills receipts to prove this isnt me and I havent visited or been in Florida. Please help me remove this. Now, I have to do all the troubleshooting, while getting hurt financially by the impact of some random fraudulent person or company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax to dispute unauthorized inquiries on my credit report. Equifax states that the creditors that made the inquiries had permissible reason to access my credit report. 
I understand this to be them offering services that either I desire or have reporting on my credit report currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CA

Complaint narrative:
XXXX XXXX has marked that I was over 30 days delinquent on payment for both XXXX and XXXX of 2020. This is not the case and both months were paid on time, or early. This has caused a precipitous credit score drop. After getting in touch with them, they corrected this problem, and my credit score reflected that. However, the next month the late payment for XXXX showed up again. Ive reached out to them multiple times, filed disputes, and the delinquency still shows on my credit report. They said that they have fixed the issue and it should be updated, but its not. They continually say theyre not sure why its reported late, or that theyve fixed the issue, or they will send it to their supervisor, but nothing changes.

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 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
We had an credit card with XXXX XXXX with a {$500.00} credit limit. We were not using it and closed the account with a {$0.00} balance to avoid further fees in XXXX. XXXX XXXX stopped communicating with us after we closed the account. In XX/XX/XXXXPortfolio Recovery put an item on our credit report claiming that we owe {$1200.00} on the closed XXXX XXXX card. They claim that the account was not closed and that XXXX XXXX increase the credit limit repeatedly before sending the account to collections. We have requested documentation and disputed the debt three times through XXXX  & XXXX  to avail. Portfolio Recovery claims that they've send us documentation on two occasions but has never done so. They are also required to send documentation when the debt is disputed. They have never done so. Our best guess is that XXXX XXXX secretly kept the account open, charged themselves service fees and increased the credit limit without disclosing this to us. We believe that whatever documentation Portfolio Recovery has shows this and that is why they refuse to provide documentation. We believe that both companies are in clear violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 — Problem with personal statement of dispute
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I applied for a mortgage loan back in XX/XX/2020. I authorized MTH to obtain my credit score. It was obtained and used correctly. On XX/XX/2020, I had a conversation what Mr. XXXX XXXX  regarding approval of a lower child support amount that Mr . XXXX  and I had discussed in back in XXXX. There was absolutely no discussion about any credit reporting or any request to run my credit again. I check my credit report recently and noticed I had an iquiry on XX/XX/2020. This inquiry was obtained WITHOUT my consent. 

I filed a complaint against MTH and this was their response. " Ms. XXXX and Mr. XXXX contacted MTH on XX/XX/2020, to advise that Mr. XXXX child support payment was reduced. At that time, a request was made for MTH to pre-qualify them again. When the request was made, Ms. XXXX and Mr. XXXX authorized MTH to review their credit profile, resulting in MTH pulling a tri-merge credit report that same day. MTH is unable to remove the credit inquires made on XX/XX/2020, as it considered the credit pulls valid pursuant to the authorization provided. MTH and loanDepot is committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused Ms. XXXX and Mr XXXX XXXX. ". 

However, there are multiple errors in this response. First off, I was the ONLY individual who talked to Mr. XXXX XXXX  that day. Second, there was no verbal authorization or any authorization given to pull a credit report. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I submitted a complaint on XX/XX/XXXX after speaking with a representative, and asking for a settlement, they refused, then responded to my complaint stating they extended a settlement offer, however they have not tried to contact me once since the initial date in which I spoke with them, they then responded to my initial complaint stating to contact them to finalize the settlement offer of XXXX approved on XX/XX/XXXX per their response to me via this portal, and they refuse to have anyone call me back. 

I called XX/XX/XXXX, never received a call back on XX/XX/XXXX as stated in their previous response. 

I called XX/XX/XXXX after reading their response to CFPB, and was told i would receive a call back, and never did. I am now on the phone XX/XX/XXXX at XXXX PST and was told I will receive a call back, but they have no idea when I will. 

I just want to pay the {$11000.00} they agreed upon in my previous complaint, but they have sent no formal settlement offer to my email address on file, nor have they tried to call me at XXXX - I am asking for them to send me via email to XXXX or XXXX a copy of settlement offer, and allow us transfer funds, or set up a payment immediately to finalize settlement offer. 



Original complaint below XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender Exeter Finance, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by Exeter and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: EQUIFAX, INC.
State: NM

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/XXXX, I called Capitol One about an account that was turned over to their collection department. I tried numerous times and no one answered my call. My sister had guardianship/conservatorship. During the time she was in charge of my finances, she did not pay 4 of my bills and Capitol One was one of them. I could not have them verify the debt nor could I see if my sister had used the card for purchases herself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which WELLS FARGO DEALER SERVICES is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. 

I never received any response from them and they did not update the credit report as disputed. 

WELLS FARGO DEALER SERVICES is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent accounts information which is in direct violation of the FCRA.

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 2021-04-16 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 — Problem with personal statement of dispute
Company: CORELOGIC INC
State: FL

Complaint narrative:
I applied for a mortgage loan back in XX/XX/2020. I authorized MTH to obtain my credit score. It was obtained and used correctly. On XX/XX/2020, I had a conversation what XXXX XXXX XXXX regarding approval of a lower child support amount that XXXX XXXX List and I had discussed in back in XXXX. There was absolutely no discussion about any credit reporting or any request to run my credit again. I check my credit report recently and noticed I had an iquiry on XX/XX/2020. This inquiry was obtained WITHOUT my consent. 

I filed a complaint against XXXX and this was their response. " XXXX XXXX and XXXX XXXX contacted MTH on XX/XX/2020, to advise that XXXX XXXX child support payment was reduced. At that time, a request was made for MTH to pre-qualify them again. When the request was made, XXXX XXXX and XXXX XXXX authorized MTH to review their credit profile, resulting in MTH pulling a tri-merge credit report that same day. MTH is unable to remove the credit inquires made on XX/XX/2020, as it considered the credit pulls valid pursuant to the authorization provided. MTH and XXXX XXXXs committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused XXXX XXXX and XXXX XXXX XXXX. ". 

However, there are multiple errors in this response. First off, I was the ONLY individual who talked to XXXX XXXX List that day. Second, there was no verbal authorization or any authorization given to pull a credit report. This is fraud.

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 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I received a letter from Harvard Collection Services trying to collect a debt for Illinois Department of Human Services for a balance of XXXX. After I got of the phone with them I contact the Human Service and they told me they dont know anything about this debt and also I didnt receive anything stated that I owe the government and they also said they would take money from the stamps that I already received to cover the amount that they gave me until it is caught up. I also googled them and it says Temporary Closed and they only had 1.3 stars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical & Professional Collection Services, Inc. NC.
State: FL

Complaint narrative:
Received a letter from Medical and Professional Collection Services , Inc . 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Indiana XXXX - XXXX XXXX XXXX XXXX XXXX When I called to ask questions about what this bill was in regards to they had no invoice # and could not tell me what equipment it was for. 
The letter stated RE : XXXX XXXX XXXX XXXX XXXX I asked for the company 's information so that I could contact them directly. I was told to XXXX their information. 
I have not done business with XXXX XXXX 's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did apply for the card on XX/XX/21, but I didn't activate it. Oportun sent me an email on XX/XX/XXXX reminding me to activate the card. I decided I didn't want the card due to the high annual fee, so I did not activate the card. On XX/XX/XXXX, Oportun sent me an email saying that my payment would be due on XX/XX/XXXX. I also received a text message on XX/XX/21 stating that my account was past due. They have been calling me everyday, but I haven't answered the calls because I was told that if I communicated with them they may be able to hold me liable. I did not activate this card, and I certainly don't want to do business with organizations that do business like this. I want them to close the account and revoke any false reports they may have made to any credit reporting agencies.

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I really hope you can help me with this issue I am having with Experian I have a charge off from XXXX XXXX account # XXXX open XX/XX/XXXX. This was closed XX/XX/XXXX and charge off. XXXX Experian has changed the date to XX/XX/XXXX this is totally wrong and they need to delete this from my report. They do not have the right to change a date to mess with my credit. I now want to this remove completely from experian since they are falseise report things that arent true

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 2021-04-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation