vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX ; I pulled my credit score to find a Collections Account loan from XX/XX/XXXX from XXXX XXXX, I do not recall obtaining or show records of receiving any funds from. The account has now been sent to XXXX  XXXX XXXX XXXX for Collections. On XX/XX/XXXX, I sent ( via certified mail ) a letter to XXXX  XXXX XXXX XXXX, requesting all information of this account. I requested everything that is in the due diligence to send an account into collections ; Actual copy of my signature on the loan agreement, phone call records, mailing records in which they did come in contact with me. I received back ; a typed out loan agreement with my current address on the loan agreement, with a computer generated, typed signature, and a loan payback agreement. In XX/XX/XXXX, when this loan was supposedly obtained I lived in a completely different city & area code ; yet what the " History of Payments '' reflects my current information. I have disputed this with the Collections company to which I was told to Pay or they will continue to report and update the dates so it will stay on my credit report ; I have disputed with the collections agencies that this information was incorrect & supplied them with the paper work I sent in & the letter received back. I also submitted in a copy of the Alabama LAW & LAW CODE about reporting " Payday Loans '' on credit. This account has caused multiple issues personally ; for one I have not been shown the correct paper work that they have to supply, and 2nd, under the state law is not a proper credit reportable account. XXXX  XXXX XXXX XXXX is a fraudulently reporting & damaging consumers credit reports ; with a blank disregard to the law.

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 2018-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/2017, I arrived at the XXXX XXXX XXXX XXXX dealership to discuss the return details of my XXXX XXXX XXXX as well as a possible new lease. After several hours w XXXX who also assisted me in leasing 3 years prior, we agreed on terms that would allow me to begin a new lease on XXXX XXXX as well as cover all closing costs on my XXXXXXXX XXXX plus, any wear and tear fees or other charges that may occur. It was made explicitly clear to me that once I enter into a new lease w Hyundai there would be no further liabilities of any sort  regarding the older lease. I spoke with the general manager of  the dealership as well, who likewise assured me that the agreement we reached was as I have described. Since all the details had been settled, I left the dealership with a new lease on a XXXX XXXX having fully believed that all my financial obligations for my XXXX XXXX lease had been cleared. In XX/XX/XXXX I received a notice from the co which I had gotten wear & tear coverage from ( XXXX ), that if I wanted to make a claim for coverage on my returned lease I would have to send in certain documentation. Thinking that I was not in need of this coverage because those fees ( if any ) had been covered during the negotiation of new lease, and since I was NOT notified otherwise by XXXX ( XXXX XXXX XXXX ), I didnt apply to receive any compensation for wear & tear charges. Continuing into XX/XX/XXXX I received a call from XXXX telling me that I had a balance remaining on my lease for wear & tear charges. Per instructions from XXXX & XXXX I mailed the documents received by the dealership to XXXX only to be told weeks later that they were incomplete & unacceptable. For the next few months i went back & forth between XXXX, XXXX and XXXX XXXX XXXX trying to resolve the situation. These entities/affiliates did not communicate w eachother, and throughout the process one was always blaming/waiting for the other 's performance. The situation was taking long to resolve and i became concerned due to the fact that a collection agency was involved ( even though i was continuously assured all was well ), i decided to expedite/resolve the matter and ended up paying the XXXX I was later partially reimbursed by XXXX. The following month XXXX put a 90 day late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Salmon Law Firm PLLC
State: OK

Complaint narrative:
The following individuals have been accessing my personal credit reports without my permission and impersonating they are me as well as government officials. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX The above mentioned parties have repeatedly accessed my credit reports without my permission and acting as if they are me,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM Financial has reported 3 late payments on my credit report. I have never made a late payment with this account and need this information updated on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Around XX/XX/XXXX my cellphone wallet was lost including my ID, Bank card and possibly my Discover credit card. I was unaware that my discover credit card was in my wallet because I never use it. On XX/XX/XXXX I saw my statement with a high balance and I called Discover and reported my account had charges that I had not made. The account was closed and a new card was mailed out. I received a letter on XXXX stating that the investigation was closed. A month later I received a strange phone call from someone who said they worked at Discover and insinuating that i used the card by asking how would someone know what my credit limit was and how could they use the card and stop at my credit limit. Also caller stated he wanted a copy of my drivers license and a police report. I was on the freeway at the time and could not speak to the caller and ask to be called back later and given an email address and fax number so I could send information requested. I send a copy of requested information but the caller never called back. In XX/XX/XXXX all of the fraudulent charges were added back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Today, XX/XX/2018, I attempted to connect my XXXX XXXX XXXX ( XXXX XXXX ) with a credit card management system. I've been able to connect all my other accounts however XXXXSynchrony is blocking me from enabling this external application. As this is my account, I have the right to access my account details however I wish using my own credentials.

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 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I got a auto loan for a car at 17 % interest..as the months passed into years I noticed my balance is still almost the same as when I first got the loan. I come to find out Im being charged daily interest and at this rate it will be impossible to pay off the loan. They tricked me into a Auto loan that is impossible to pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: Financial Data Systems
State: NC

Complaint narrative:
Upon checking my report I noticed that a collection agency Financial Data Systems was reporting unpaid debt to 3 credit bureaus and I had never received any type of notice from them. On XX/XX/XXXX I sent a debt validation request to Financial Data Systems for these accounts they reported to the credit bureaur XXXX The amounts for these accounts are {$100.00}, {$65.00}, {$30.00}. The collection agency never responded and failed to provide proof of this debt. On XX/XX/XXXX I sent a SECOND letter to the collection agency and all three credit bureaus that the collection agency failed to provide proof of debt and under the Fair Debt Collections Practice Act they are required by law to stop reporting this debt. On XXXX XXXX I received notice from XXXX stating that this debt has been VERIFIED to them and they have updated my report as this debt being correct. I never recieved notice of this debt by the collection agency Financial Data System, I was made aware only after pulling my credit report. XXXX is violating the FDCPA by reporting debt that has not been proven to belong to me.

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 2018-05-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon checking my report I noticed that a collection agency XXXX XXXX XXXX was reporting unpaid debt to 3 credit bureaus and I had never received any type of notice from them. On XX/XX/XXXX I sent a debt validation request to XXXX XXXX XXXX for these accounts they reported to the credit bureaur Equifax The amounts for these accounts are {$100.00}, {$65.00}, {$30.00}. The collection agency never responded and failed to provide proof of this debt. On XX/XX/XXXX I sent a SECOND letter to the collection agency and all three credit bureaus that the collection agency failed to provide proof of debt and under the Fair Debt Collections Practice Act they are required by law to stop reporting this debt. On XX/XX/XXXX I received notice from Equifax stating that this debt has been VERIFIED to them and they have updated my report as this debt being correct. I never recieved notice of this debt by the collection agency XXXX XXXX XXXX, I was made aware only after pulling my credit report. Equifax is violating the FDCPA by reporting debt that has not been proven to belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Dear CFPB, I checked on my XXXX credit report and account breakdown on XXXX and it shows I have 6 hard inquiries, 3 of them that come from the same product ( car lease ). 2 of them are from GM Financial ( made with 3 days of difference ) and the 3rd one comes from XXXX XXXX XXXX the dealer from which I leased my current car ). 

I'm kindly asking for them to reconsider these hard inquiries since 2 of them were done on the same day ( XX/XX/XXXX ) and then on the XXXX they made another one. In the end I got my car lease approved, but I think it should only take 1 hard inquiry for that, not 3. Therefore, I consider it unfair to have 2 additional inquiries on something I actually ended up getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: NC

Complaint narrative:
I have contacted transunion about credit inquiries that was showing up on credit report and I ask them to remove them because I was a victim of fraud ... the credit inquiries was mortgage inquiries I have not authorize no lenders to check my credit for a mortgage loan or auto loan I am not in the market for no mortgage loan or auto loan ... and also XXXX and XXXX XXXX are fraudulent accounts I will like those accounts to be remove also

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 2018-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
At the beginning of XX/XX/XXXX I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to credit cards and personal loans under my name from XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XX/XX/XXXX and XX/XX/XXXX removed the items immediately and after 30 days passed Equifax stated that the items are still under investigation and has done nothing. I then sent a second request to Equifax with no Investigation results. 60 days have long passed and I sent my third request to Equifax and again Equifax stated under investigation and has again done nothing which is why I decide to come here for help, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My XXXX and XXXX hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on XXXX and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done

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 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My XXXX and Equifax hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on Equifax and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My XXXX and XXXX hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on XXXX and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ZWICKER & ASSOCIATES
State: ID

Complaint narrative:
Zwicker and Associates contacted multiple members of my family even after both them and the original creditor had both been told to not contact me. They contacted at least 3 members of my family multiple times. 

When they filed lawsuit they did it during the period of the XXXX required for debt validation. Even though they received a debt validation request on XX/XX/XXXXth they file suit onXX/XX/XXXXrd. They did not provide a true debt validation. They sent fraudulent manufactured statements in late XX/XX/XXXX. 

Even though the files were incorrect they proceeded to serve sewer service on my house. The thug they hired beat continuously on my door. I have no trespassing signs. The man peered into the windowed opening of my door over 5 feet from the floor. A trespass if privacy in XXXX. Then he tried to open my door. When I told him to leave from a side window he began kicking the glass of my storm door, and hit my porch lamp, breaking it. Further the very rotund man leaned on my porch beam and caused nails to start to to pull from its support. He shifted my porch fence by 3 inches from his intentional malicious injury to property. He then placed the papers in my mailbox. A federal crime. 

The lawyer an XXXX XXXX XXXX of XXXX XXXX wont tell me the name of the thug he sent to damage my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: CA

Complaint narrative:
At the end of XXXX this year I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to get all kinds of credit. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the items immediately and XXXX stated that the items are under investigation and Experian has done nothing. 30 days have passed and I sent my second request to XXXX and Experian, XXXX stated again under investigation and Experian has again done nothing which is why I decide to come here for help, please help me

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 2018-05-21 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
To whom it may concern : I have a collection account on my credit files from a collection agency the account is as follows : XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX. Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX   ). I have sent them a dispute requesting a VALID CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT and NOT A BILLING STATEMENT. I will attach a screenshot of where this company is licensed to collect and it isn't in the state of ILLINOIS! I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois and A CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT. Your immediate response will be greatly appreciated. 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