vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain Better credit

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 2024-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
On XXXX. My aged debt was Reported as delinquent. ( Amount XXXX ) Date my old debt was reported was XX/XX/year>. Statute of Limitation has passed. It seems the new collection agency re-aged my account, which means they changed the date that the account first went delinquent, making the debt appear newer. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I sent a letter asking for proof of ownership of the account with XXXX XXXX  and they failed to do so. I disputed the ownership of the account with experian and they did not verify the account

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not authorize any open accounts and charge off my identity was stolen I reported it and nothing was resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not authorize any open accounts and charge off my identity was stolen I reported it and nothing was resolved

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I mailed using XXXX certified mail my dispute letter to TransUnion on XX/XX/24 ( see attached ). In my letter I provided all necessary information including my driver 's license, social security card and, utility bill and the detailed reasons for my disputes of these accounts : XXXX  # : XXXX HIGH BALANCE : {$3500.00}, XXXX  # : XXXX HIGH BALANCE : {$4000.00} and, XXXX # XXXX XXXX. Yet the response I received from TransUnion, dated XXXX ( attached ), complained of my not providing sufficient information for their being able to process my disputes. They stated " we are unable to process your request because we were unable to determine the nature of your request or your request was illegible. '' As you can clearly see I provided the account name and account number and also included images of the information being disputed.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After carefully investigating the company, XXXX XXXX XXXX XXXX, This company is not even licensed to collect in the state that I live in Georgia.

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.

Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After carefully investigating the company, XXXX XXXX XXXX XXXX, This company is not even licensed to collect in the state that I live in Georgia. 

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.

Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies

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 2024-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MN

Complaint narrative:
On XX/XX/XXXX, I applied for the XXXX repayment plan. Due to the terms of the plan, once I was on the plan I should not have accrued interest on my student loans. At this time, my student loan balance was {$190000.00}. 
Due to negligence on the part of EdFinancial, they did not process my application for the XXXX plan. It took months of back-and-forth communication ( during which it seemed that XXXX intentionally delayed communication ) before I finally got placed on the XXXX plan on XX/XX/XXXX. In this time, {$7100.00} of interest had accrued on my loans, bringing my balance to {$200000.00}. Had they processed my application in a timely manner, I would not have accrued any interest. 
After further back-and-forth communication, XXXX XXXX XXXX and XXXX acknowledged wrongdoing and told me that any interest accrued after XX/XX/XXXX would be removed. I was told this on XX/XX/XXXX and have documentation. As of today ( XX/XX/XXXX ), despite further attempts at communication and being told that the interest would be adjusted, the unjustly accrued interest is still present on my account. 
I feel I am being taken advantage of, and that XXXX in intentionally negligent in handling my application and adjusting the accrued interest because it is in their financial interest to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
My home loan through Lakeview Loan care is not being reported on my credit report, yet I took the loan out over 3 years ago and am living in the house and making the payments on the loan. I recently went to refinance and thats when we found its not being recorded to my credit report which is very confusing and concerning. I contacted the loan company and they were no help. 
I was told to contact here and dispute this so it is recorded! 
My loan serviced by ( loancare ) i can provide account details if needed! balance is {$240000.00} This is very concerning as ive been paying on this loan for 3+ years! 
And speaking to loancare about this issue got me nowhere. Need it added to my credit report! 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 2024-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have contacted care credit on multiple occasions about fixing this issue with no resolve.

I disputed a charge on my account for fraud which took multiple months and phone calls to resolve.

They still did not do it in a timely manner and When they did I was still being charged random ( nonexistent fees ). In the process of all this I have multiple incorrect late payments reported to my credit hurting my score.

I have called them 3 times and which every time they say to give them 48hrs for the problem to update and nothing has happened. I am very frustrated with this incorrect reporting and will be moving to certified mail next.

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 monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
Two overpayments have happnened : 1 ) On XX/XX/year>2024, a payment of {$270.00} was sent to XXXX XXXX, VA, this was an accidental overpayment, XXXX XXXX sent this back and it should have been added back to escrow. 

2 ) On XX/XX/year>2024, a payment {$2400.00} was sent to XXXX XXXX, VA, this was a second accidental overpayment, XXXX XXXX sent this back as well and this should have been added back to escrow.

On numerous times, I have asked for an escrow analysis to be done as the next tax payment Amerihome has is for {$3500.00}, not what is owed, which is {$1000.00}.

Also, they have for my next homeowners- {$1700.00}, and not {$860.00}, I can understand this one as this just was sent out. But the correct value is {$860.00} for the 2024 year.

Overall, I have found this process of working with them to be do not trust the homeowner problem. No matter how many times I call, or ask for help, I keep getting promises that do not happen and now, I am having to reach out to external sources as this has been going on for two months, and without corrections, I will soon not be able to pay this mortgage as they just added {$1000.00} to my mortgage for escrow when the problem is with their analysis and not with needed more.

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 monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I sent a letter asking for proof of ownership of the account with XXXX XXXX and they failed to do so. I disputed the ownership of the account with XXXX and they did not verify the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been receiving credit alert notifications from XXXX to XXXX from a company that looked like Experian but it feels like a scam. The most recent email said " From : Experian Alerts ( XXXX ). The membership number they assigned to me is : XXXX. I have not used this service since I unsubscribed in XXXX. Then, the company was Experian XXXX. It was a free credit monitoring service but they wanted to charge for the service. I unsubscribed but they said I would continue to get credit notifications. I want this service discontinued but there is not a phone number to call anyone, only an email for customer. I don't have this credit card, it is in my wife 's name. I don't want this Experian Alerts to have my information. There is no such address at Experian that says " XXXX. '' Experian is www.experian.com. I think I've been scammed for 4 years and I want it to stop.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Credit reporting issues. When I used my Bank Of America Master credit card they report to the credit bureaus within 3 days if the account is over 30 percent card usage. However, payments were made on time. I have automatic payments set up through an personal bank of America account. I have to pay attention to Bank Of America payment system very unprofessional staff. My payments were made on time but my credit score went below XXXX and dropped it again as I paid the balance down. Although I made payment the bank Of America credit card section never reported it after 3 days just as they report card usage after 3 days.

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 2024-09-08 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I received a copy of my credit report and found the following item to be in error. 

XXXX XXXX XXXX XXXX account {$700.00} past due XX/XX/year> By the provisions of the Fair credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 USC Sec 1681i ( a ) you must complete this investigation within 30 days of the receipt of this letter

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report today and found XXXX accounts that I do not recognize. These accounts are XXXX XXXX, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have contacted the companies and discovered that I do not have a signed contract or consent agreement with any of them. The negative information on these accounts are hurting me and my credit worthiness. And also causing me privacy issues. I only operate in the private for my protection and the protection of others. Therefore, I am seeking redress to demand the accounts be permanently deleted from my credit reports.

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 2024-09-08 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXX/XX/year> **Subject : ** Formal Dispute of Fraudulent Account Under the Fair Credit Reporting Act ( FCRA ) **To : ** Credit Bureau Dispute Department [ XXXX XXXX XXXX, Equifax ] [ Address of the Credit Bureau ] Dear Sir/Madam, I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information, and I request that the following account be removed from my report immediately : - **Creditor : ** XXXX - **Account Number : ** XXXX - **Balance Owed : ** {$3800.00} - **Status : ** Charged-off/Bad Debt - **Closed Date : ** [ Date as per report ] # # # Violation of FCRA : This account does not belong to me, and I have never opened any credit account with XXXX. This is either a case of identity theft or an administrative error. Reporting this account as mine is a violation of the FCRA, as it reflects inaccurate and unverified information. I have no financial responsibility for this account.

# # # Action Requested : I demand that you investigate this matter immediately, remove this fraudulent account from my credit report, and provide written confirmation that the investigation has been completed and the account has been deleted. If this item is not removed, I request that you provide me with the detailed investigation report and verification of ownership for this account.

Please note that if this account is not corrected or removed, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary.

Enclosed, you will find a copy of my credit report with the fraudulent account highlighted. I have also attached a copy of my ID and a utility bill to verify my identity and address.

I expect a prompt response, as required by the FCRA, and look forward to receiving written confirmation of the removal of this account from my credit report.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation