vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and no results. I need this resolved ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just signed up for the XXXX XXXX XXXX XXXX card a few months ago. At first it was great, and I used it for everything. 

I Spent the last 3-5 years fixing my credit after medical and other hardships forced me into a tough spot. But I did it! Got my score up to a XXXX! I had plans to purchase a house and finally get my life back on track. 

So, I received my card around the beginning of XXXX, I think the XXXX, and planned a trip and booked my flight. I spent over a {$1000.00} but made a {$1000.00} payment right away. I ended up purchasing other items and whatnot for the trip along with daily necessities. I had over {$1000.00} on the card again. Around XX/XX/XXXX ( three weeks before my first bill was due, and days before I received it in the mail ) I made another {$950.00} payment leaving about {$100.00} left unpaid on the card. I wanted my card balance low in case I wanted to use it while on Vacation. 

I come to find out a day or two later, around XXXX, that my credit score took a XXXXpoint hit because XXXX XXXX felt the need to report my high Balance on XX/XX/XXXX to the credit bureau 4 weeks before my bill was even due, and not even a month after I opened the account. I didn't miss a payment and actually made a {$1000.00} payment before they felt the need to report my balance. 

Now my credit score is ruined, at least for the purpose of purchasing a house at a low mortgage rate. 

I called and asked them if this was common practice for them. Reporting a customer to the bureaus for high credit limit before you give the customers a chance to even get their first bill in the mail, yet alone giving them a chance to pay before the due date, and after they already made payments in good faith, weeks before the bill was even due. They basically said yes. 
They acknowledged my current low balance and said they would report it immediately to the bureaus. But that was all they could do. 

So now I will never use this card again. But that doesn't change the fact that now I can't get a mortgage at anywhere near the rates I previously could. This is a horrible business practice and ruins people 's lives.

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 2021-12-02 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: TX

Complaint narrative:
I have been disputing with equifax since XXXX for the same issue and they have not deleted anything. XXXX already deleted the same collection months ago from XXXX XXXX. I recently sent another dispute in XXXX. I disclosed that I was apart of the Equifax data breach as well. I sent everything certified because I am keeping a paper trail for proof they are ignoring all laws and dont care about my rights at all by violating them all. I called several times to tell them these inquiries were not authorized nor do I recall any of them also the collection reporting agency I disputed as well and they keep saying everything has been verified WITHOUT ANY PROOF AND I KEEP ASKING FOR IT AND THEY NEVER SEND PROOF. They are ignoring my requests and this is now caused me stress to my health as well as causing me to get denied for credit because they wont delete these fraudulent items off my report. I have sent them everything including dispute letters, federal trade commission ( FTC ) report, even a letter from XXXX XXXX them selves saying that only the credit bureau can delete the inquiry and they dont have a account with me Ill attach everything I sent them to this complaint. Im trying to purchase a home and these items on my report is holding me back. I dont want to take this to court but if this continues to happen Ill be left with no other choice because this isnt right and these items need to be deleted. Im getting denied for credit every time because of these items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This specific account is in fact stated as a charged-off account, you need to tell me the key reason why there is a balance appearing on the credit report whether it is a charge off? The balance is in fact incorrect, take the time to reverse it to XXXX or erase the item certainly. You can also offer documentation to confirm all the charges and credits of this claimed account that brought to the high credit figure you've indicated on my credit report. My request to provide these documents is seen as a proper information petition as documented in my privileges provided within the fair credit billing act.

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 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
We ( XXXX & XXXX XXXX ) have had service from XXXX for over six years. In XXXX, XXXX XXXX XXXX bought out XXXX, and we continued service with them. In XXXX, we decided to change service to XXXX, notifying XXXX XXXX XXXX  that we were doing so.The contract states that a termination fee is assessed if service is discontinued in less than one year. XXXX XXXX XXXX sent us a bill for XXXX noting termination fee. We responded with a note indicating this was not a valid invoice, because we had their service for more than six years, and it did not apply. XXXX XXXX  XXXX responded by turning the bill over to a collection agency, Credence Resource Management. To avoid any further harrassment or possible intimidation, we relented and paid the XXXX, and wanted to forget the whole thing. Credence responded to this by sending another bill for XXXX and an additional bill for XXXX, with no explanation. Since then we noted that the original check to XXXX has been processed by our bank, but we beleive that XXXX XXXX XXXX is fraudulently engaging in this similar activity with any of their customers who decide to discontinue service.We are also notifying our OHIO attorney general of this activity, and we are going to pay the additional XXXX to avoid any further harrassment.i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Nissan Motor Acceptance Corporation is reporting I was 30-60 days late on a payment. This is is incorrect. I made my payments as scheduled at the end of the loan they reported me 30-60 days stating the full balance was due. I was unaware of this. I was the reaching to Nissan trying to understand where my payment was. I was told by one of the representatives my payment was applied to Misc. He said he will correct the error and start a dispute with the credit bureau. He gave me confirmation numbers as well. I was in the process of refinancing my home at the time and the loan was denied due to my score dropping XXXX XXXX. I am asking for this to be corrected. If I have to take legal action I will. They caused me to lose a lot due to their incorrect reporting. I have contacted the XXXX and the three credit agencies but no resolve. Nissan is fighting this like its okay to ruin a persons livelihood. I was at the end of my loan and was very excited to be paying off the loan, now they messed up my credit. I need someone to please help and stop this company from damaging peoples lives. Nissan claims they sent me a text message and placed a phone call I will request my phone to show proof that no such action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was behind on my credit card payments and couldn't make any payments of any kind. I was told by and gotten written letters from my other credit card companies they must by law do a charge off after 6 months this is the only card that didn't, and they kept charging me interest and late fees for over a year without charging this account off but instead kept it open to pile on the fees now they sold this off to another company for the higher amount then I owe. And I can't get into my account on the website to get statements of any kind they took it off. I even have a check from the credit card company I never cashed in the amount {$53.00} that should have gone towards my balance since I never got to cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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:
Inacurrate and fraudulent accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I had a replacement card back in XXXX. The card ends in XXXX I believe. I have not used the card in a long time and didn't recall if the card ending in XXXX was the original card or the new card. 

I had a customer service representative from XXXX. I had to tell her because of her bahavior I choose not to do business with SoFi. 

I called to get a replacement card. I did not know if I misplaced the correct card or there was something wrong with the replacement card. 

I kept telling her I tried using the card she claims is the correct card and it was declined. There us no balance on that card. The Customer Representative just refused to give me a replacement card even though I gave all proof of credentials and explained the card is not working. 

I let her know I tried at a XXXX XXXX  on Sunday- it was declined, I paid with another credit card. She claims charges went through- but I do not see it on my app under transaction. 

It is concerning declined transactions are reflected as active with SoFi. 

This is unacceptable behavior. 
I attached a screenshot where XXXX transaction is not reflected anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-02 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: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710XXXX transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-02 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: MO

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I was appointed by the XXXX XXXX court to be my deceased father 's personal representative for his estate. Despite having presented Huntington Bank with the documentation from the court, including the court order to release my father 's bank accounts, they have not complied with the order or communicate with me regarding this case. 
I visited the bank twice in XXXX. I was told by the bank manager that the case had been referred to their legal department. During the second visit and email, the bank manager told me that he was no longer authorized to discuss the matter with me and that the legal department would be working with me. As of the filing of this complaint, nobody from Huntington has communicated with me. 

Brief Timeline Follows : XXXX XXXX XXXX XXXX father ) dies. As per law his assets go into probate until a personal representative can be appointed. 

XXXX XXXX XXXX XXXX appointed as personal representative via court order. 

XXXX XXXX XXXX XXXX visits Huntington bank as well as contacts bank manager via email. XXXX presents court order appointing him as personal representative and authorizing bank to release funds from father 's bank accounts. Bank manager reminds me that he's not authorized to discuss the matter and that their legal department would be " handling it ''. 

XXXX XXXXAfter continued silence from Huntington, I filed a complaint with the Attorney General 's Office . AG 's office sends a letter to Huntington giving them 10 days to respond to them and me with a proposed resolution. 

XXXX XXXXFunds remain inaccessible to me or XXXX XXXX-brother who held joint account with father. 

Currently awaiting a response from Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

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 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter to Transunion requesting that the information from a prior investigation. I gave Transunion 30 days to respond with the documents that they " verified '' these debts with. On XX/XX/2021 I received a response back saying they will not dispute the items again. They never sent the documents that I asked for that were used to verify these accounts from the first attempt. They only sent a letter saying they were verified. By law I am entitled to receive these documents proving the debt is mines. This dispute is my second attempt in writing requesting the documents over XXXX months and they have been giving me a hard time.

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 2021-12-02 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: WA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation