vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-29 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:
These two accounts listed below are not mines and should have been deleted months ago. I have filed complaints with both companies as well as with the attorney general of Florida and Washington. I was also not notified in writing of debt prior to posting to credit report. XXXX XXXX XXXX In Opened XX/XX/XXXX {$53.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$5900.00} Original creditor : XXXX XXXX XXXX  This account is more than 7 years old and should have been deleted. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} In Collections/Charge-off

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 2017-07-29 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: GA

Complaint narrative:
While reviewing my XXXX credit report, I noticed a collection account listed as XXXX  XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit 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 2017-07-29 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: GA

Complaint narrative:
While reviewing my XXXX credit report, I noticed a collection account listed as XXXX  XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: MD

Complaint narrative:
I noticed on my credit report that there is a collection account from Plaza Services in the amount of {$1200.00}. The account was opened on XXXX-2016. I have never had an account or contract with Plaza Services. I get several calls and text per day stating that I need to pay this account or I will be taken to court and sued. Also received a call from a lady stating that she would be sending someone to my job with litigation papers. I have told Plaza Servies several times that I do not have an account or contract with them and asked that they remove the information from my credit report and stop contacting me. To date they are still reporting and still contacting me daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
After reading about the XXXX XXXX scandal involving adding insurance to auto loans that duplicates personal coverage I decided to take a closer look at my Huntington Bank auto loan and confirmed the same " Single Interest Insurance '' charge of {$40.00} on my loan which was originated at the XXXX XXXX dealership. This was added despite my showing proof of insurance at the time of vehicle purchase and adding Huntington as a Lien Holder on the policy per dealer instructions. The vehicle has been continually insured with collision and comprehensive coverage since the time of purchase and I have records confirming such ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
A collection account is showing on my credit report from SECURITY CREDIT SERVICES. I have no knowledge of this company. I have never entered into a contract with this company. I disputed this account with the credit bureaus and has comeback on certain reports as verified as belonging to me. I have also requested written proof that I owe this debt. I requested via dispute, the name, address and phone number of the person that verified/validated this debt. To date, I have not received this proof. I am requested a signed contract showing that I have entered into some kind of agreement with SECURITY CREDIT SERVICES. I am in the process of trying to purchase a home and this collection is prohibiting me from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
A collection account is showing on my credit report from IC SYSTEMS. I have no knowledge of this company. I have never entered into a contract with this company. I disputed this account with the credit bureaus and has comeback on certain reports as verified as belonging to me. I have also requested written proof that I owe this debt. I requested via dispute, the name, address and phone number of the person that verified/validated this debt. To date, I have not received this proof. I am requested a signed contract showing that I have entered into some kind of agreement with IC SYSTEMS. I am in the process of trying to purchase a home and this collection is prohibiting me from that.

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 2017-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
A collection account is showing on my credit report from XXXX XXXX. I have no knowledge of this company. I have never entered into a contract with this company. In a previously filed complaint against XXXX, I have requested written proof that I owe this debt. I request he name, address and phone number of the person that verified/validated this debt. I am requesting a signed contract showing that I have entered into some kind of agreement with XXXX XXXX. I am in the process of trying to purchase a home and this collection is prohibiting me from that.

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 2017-07-29 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: GA

Complaint narrative:
I notified the bureau the XXXX account was reporting incorrect. A payment of maybe {$25.00} was due. I paid hundreds to pay the account in full and closed it. I was leaving for a few months and I Did n't want any issues with my credit. I paid the amount XXXX 's stated in their department store and closed the account. 30 days later it reported late as XXXX failed to include any odd days of interest. The bureau is reporting the account is paid, was past 30 days past due. I have NEVER been late on any accounts. I always keep low usage and I pay more than the amount requested. The bureau posted my consumer statement on my report but they are factoring the late payment when scoring my credit. They are reporting 7 months since last late. This is not correct. XXXX 's is reporting paid and closed by consumer but the XXXX time late remains and is affecting my scores which is affecting rates etc. I am requesting either delete the late payment or the payment history and rescore 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 2017-07-29 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: MD

Complaint narrative:
I contacted XXXX and Experian about a account showing on my credit report which do n't belong to me called XXXX XXXX. I asked them both to provide documents proving the account belongs to me on several occasions and they did not.

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 2017-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank has placed a negative mark on my credit reports that I had no knowledge of, so I disputed this negative mark with XXXX, XXXX, and XXXX. Surprisingly, the results came back as " verified and accurate ''. Thus, I called Synchrony Bank on X/XX/17 to find out what paper work and what procedures were used to verify this debt. The employee I spoke with, XXXX ( ext. # XXXX ),  informed me that Synchrony Bank does n't have any information on file to verify the debt and that the debt was sold to a collection agency. I disputed this debt with the collection agency, XXXX XXXX XXXX, and XXXX deleted the debt because the accuracy of the debt could n't be verified. I understand as the original creditor SYNCB is n't required to " verify '' a debt, however, SYNCB is required by law to INVESTIGATE a debt that I believe is n't accurate. Thus, I am asking for SYNCB to investigate the amount claimed to be owed, the payments claimed to made, the date the account was opened, and the date the account was closed. Given that, XXXX has already admitted SYNCB does n't have the paper work to complete this investigation, SYNCB needs to delete this mark asap.

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 2017-07-29 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: MD

Complaint narrative:
I contacted Transunioin and XXXX about a account showing on my credit report which do n't belong to me called XXXX XXXX. I asked them both to provide documents proving the account belongs to me on several occasions and they did not.

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 2017-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
There was an unauthorized cash withdrawal from my checking account at Citibank on XXXX XXXX, 2017 for the amount of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars ). Since I did not withdraw this money and I 'm the only person on this account I contacted Citibank as soon as I discovered this transaction on XXXX XXXX, 2017. I requested an investigation of this transaction and Citibank just sent me a letter dated XXXX XXXX, 2017 stating that the disputed transaction was not fraudulent. I did not do this cash withdrawal from my account. Previously, on XXXX XXXX, 2017 I had written a check for {$1700.00} the exact amount of the cash withdrawal, but called Citibank to place a stop payment on it. ( I 'm attaching stop payment confirmation letter from Citibank ). If Citibank paid for this check, then, it is their mistake. My checking account records do not show that this check was cashed either. My records indicate that the withdrawal was done through a teller at a bank and it was a cash withdrawal.

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 2017-07-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
I do not remember borrowing {$9000.00} in XX/XX/XXXX and my home equity was used as collateral. In the foreclosure process in XX/XX/XXXX, I filed bankruptcy to try to keep my home. The bankruptcy was dismissed in XX/XX/XXXX, because I was unable to pay the {$1200.00} per month. Last year, XX/XX/XXXX, Springleaf started calling with threats about the {$9000.00} loan. I did not know it was unsecured, and they did not ask for the money on XX/XX/XXXX when the foreclosure short sale occured.They are calling threatening me and talking to me like they will come after me. I have been making payments, but on XXXX Social Security and XXXX just is not enough money. I spoke to the foreclosure attorney and he said it was an unsecured loan now, but Springleaf, now called OneMain is using scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I 'm seeing a hard inquiry by Cbna on my credit report, never saw it before but it appears now on my report from XXXX saying its from XXXX 2016 I never requested anything from this company I 'm almost sure it 's a ID theft issue please provide me some help as I ca n't go thru XXXX, I 've tried but for some reason it does n't let me go thru. Thanks

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 2017-07-29 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: NY

Complaint narrative:
Experian is allowing XXXX XXXX XXXX to report incomplete information on my credit report. Experian notes the status as never late for an account that was opened on XX/XX/XXXX however the loan servicer is only reporting monthly payment history for most months an " ND ''. During conception and origination of the loans, the servicer agreed to update each month the account was in good standing as '' OK ''. Also Experian posts to my credit report that my account originated in XX/XX/XXXX, however payment history for four of the past seven years are missing. This is the case for more than 15 different student loan accounts that Experian has allowed to post to my credit file from XXXX XXXX XXXX. I am missing over 500 payment history updates. It is unfair to allow the burden of the debt to reflect on my credit report without allowing me to receive the benefit of the credit age and payment history which are significant factors in my credit score. When I disputed this information Experian allowed the lender to remove most historical data for payment history which is against completeness provisions of the Credit Reporting Act, 611 a 15 USC 1681ia. The payment history is available and known and must be reported.

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 2017-07-29 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: TX

Complaint narrative:
These inquiries I did not authorize. The dealerships decided to submit my loan deal through banks I asked them not to contact. Dispute Summary All items you identified for dispute are listed on this summary page. Please review your selections. Once you have finalized your selections, please click on the submit button below to initiate the dispute process. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX, XXXX - XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXXE XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX, XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 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: Nelnet, Inc.
State: GA

Complaint narrative:
I am submitting a complaint about my student loan .I have received letters informing me that NELNET is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. Nelnet send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 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: FL

Complaint narrative:
I called to make Equifax on X/XX/2017 to get a collection removed from my credit report because the collection agency that my information was given to, was not licensed in the state of Florida to collect a debt at the time. Instead of deleting the collection from my credit report, they disputed it and then sent me an email stating that the company sent over proper documentation to that proves that the debt was mine. My argument is not that the debt is not mine, I am upset that my info was given to a unlicensed company. I do n't feel comfortable sending my money to a company that does not have a license to do so. I would like for Equifax to remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
After paying for this supposed service or offering for 1.5 years, there has been zero improvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citi repeatedly calls multiple times a day for collection on XXXX cards. Today alone they have called 3 times between XXXX and XXXX. They called 6 times Friday XX/XX/XXXX 8 times Thursday XX/XX/XXXX It 's been going on like this for months.

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