vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX Ive received an email from XXXX XXXX saying that a new XXXX loan was added to my XXXX credit report. I also checked my Experian account and its projecting the same credit score. XXXX stayed the same as it was reported around the same time as the other credit bureaus. When I went to go check it out, I saw that my score dropped drastically from XXXX to XXXX. Ive reached out to XXXX XXXX and told them that this information is fraud. I didnt take out a student loan at all. Its been since XXXX that I had a student loan and that was already being paid through the forgiveness program and the IRS already took out what they needed for the remaining amount. Ive been getting my taxes after that ever since. XXXX XXXX sent an update about the XXXX  service that is now reported on my credit by the name US DEPARTMENT OF EDU saying that I now have a loan for over {$7000.00}. This was listed on XXXX XXXX. This information is inaccurate and negatively impacted my credit. I called the number that was given to me with the creditors address and when I called, an automated representative was asking me if I was XXXX  years or older and that they have promotional offers. I knew right then that this was definitely fraud. I reached out to the credit bureau XXXX and they had me reset my password so they can help me see what they see. Once I gave them the info they needed, the representative saw that something was off. They said to reach out to FTC to get a form and give them the two accounts that are showing the only two accounts that Im aware of. Which are the accounts that have been closed a long time ago. To my knowledge, someone is tampering with my social security.

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 2022-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: CT

Complaint narrative:
Constant barrage of emails that youre invited to apply, special access numbers, the allurement of XXXX just to apply. All the while knowing they dont have loans for minorities. Never have, never will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 XXXX 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 XXXX but they refused they had me on mute for 4 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 XXXXThis 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 XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX i made this clear for 60 days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 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 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 XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CO

Complaint narrative:
The credit collection company has not proved Iown the debt and continue to " reage '' said debt on my credit report by adding or misusing a dollar to update the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TN

Complaint narrative:
XXXX XXXX XXXX  is reporting the incorrect balance on my credit report. This needs to be updated and showing that it is piad as agreed.

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 2022-06-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX  is reporting the incorrect balance on my credit report. This needs to be updated and showing that it is piad as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: PA

Complaint narrative:
Hello, I am writing you guys today because my credit report has been used illegally. XXXX Bank Account number XXXX has violated my rights. 15 U.S.C 1681 section A. states that I have rights to privacy. Also 15 U.S.C 1681B states any consumer agency may furnish a consumer report under the following circumstance and no other : with the written instructions of the consumer to whom it relates. I did not give this company or any company my written instruction to report this account on 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 non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been trying to reach Comenity Bank since XXXX XXXX and it is now XXXX XXXX  and I can neither reach them by any of their phone numbers or their website. I need to make a payment today, and there literally is no way for me to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 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: Healthcare Receivables Group, Inc.
State: NY

Complaint narrative:
I disputed an account, it was removed from all the other credit reports except for XXXX. I received verbal confirmation that it had been removed from Healthcare Receivables Group on XX/XX/2022 when I called on XX/XX/2022. I paid the original creditor on XX/XX/2022. I submitted a dispute, but according to XXXX the debt collection agency, the original creditor is still reporting the account as unpaid and open to XXXX I've been getting the runaround from both companies about how to proceed. I had another verbal conversation that it had been removed on their end ( HRC ) on XX/XX/2022, and that it is no longer with them per their supervisor. I had received additional confirmation that it had been taken off of the report on XX/XX/2022. 

Health Care Receivables Group 's contact info is XXXX XXXX XXXX XXXX XXXX, the original creditor 's contact info is XXXX XXXX said that they can't remove it unless XXXX reports it as removed and that they will do so as soon as it's reported to them, XXXX has said that it's up to XXXX to remove it. Receipts are attached, it's been paid in full. I'm very frustrated and tired of getting the runaround from both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Reporting Trans Union, XXXX and XXXX about not receiving verification of inquiries on credit report! According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items. MUST BE REMOVED!

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 2022-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX a payment of {$710.00} was made to my Santander overdraft account. The amount paid was based on the balance reflected on my Santander mobile application. Once payment was made a XXXX balance was reflected and debt was satisfied. On XX/XX/XXXX I was made aware that a {$24.00} interest charge was accrued in XXXX that was not clearly reflected on my mobile application and mistakenly overlooked. I was made aware of the delinquent charge when I received a late notice in the mail and the interest along with late fee totaling {$44.00} was immediately paid. With 95 % of my bills paid online I heavily rely on my mobile applications to validate balance owed. In addition, after struggling with financial challenges during the pandemic I have worked diligently to keep my overdraft account at XXXX and only use the account as a fallback when funds are delayed being transferred between accounts and always monitor balance owed. If I was aware of the outstanding debt payment would have been made immediately.

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 2022-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OH

Complaint narrative:
Seedfi has a savings product and a credit builder product. I decided to close both. XXXX is the only way to contact them and they never respond. Theyve locked my balance, and I want to close all my accounts with them and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I purchased a vehicle from a local dealership on XX/XX/2020 Vehicle was priced for XXXX with a warranty of XXXX attached making total of XXXX putting down a payment of XXXX cash ( with not bad credit at all ) a lender by the name of XXXX XXXX picked up the loan @ a interest rate of 22.9 % left me owing XXXX or XXXX for total after vehicle is paid in full. Total still due on vehicle is XXXX. As a consumer I am looking into this interest rate I feel it was very unfair Ive seen where this lender has been investigated in the State of XXXX wondering if anything in Illinois is in question on this lender thanking you in advance

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 2022-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: MA

Complaint narrative:
Greensky was recommended by XXXX XXXX XXXX XXXX XXXXXXXX XXXX to give us financing options for the roof that was required on the property in question. 

A loan was applied for and approved for {$18000.00}. 

XXXX XXXX XXXX was hired and quoted {$13000.00} for the job. 

XXXX XXXX XXXX told us that there was additional work that was needed - taking them from the least expensive to the most expensive vendor for the roof. Total was {$21000.00}. 

XXXX XXXX XXXX recommended all kinds of additional work to me. I asked for a document ( pictures or a written doc ) for all this extra work on top of the extra work that had already been done, it was not provided. Clean up work that should have been done at the job site was not completed to my satisfaction was not done and I asked on many occasions for that to be remedied and it also was not done. There were signs left for advertising that were committed to be removed- they never were and they blew around the yard eventually hitting parked cars in the driveway. 

XXXX XXXX XXXX completed the job in XXXX day and then requested the payment from GreenSky. GreenSky paid them {$18000.00}, I never approved the transaction and have informed them and escalated the issue. Neither GreenSky or XXXX XXXX offered any kind of help in resolving this issue. All parties continued to state that the loan was approved to be paid- and it was not. 

Even after escalating and spending weeks on calls and emails - to no avail. GreenSky continues to purport fraud, this transaction was not approved. The work at the house was never fully completed to my satisfaction and neither party wants to help resolve the issue. 

Step in and take action to resolve, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XX/XX/2021 during covid times there was a {$8.00} discrepency that I was not aware of oweing due to the fact that I had XXXX and I didnt know nor did I understand the phone either I thought I didnt owe because I paid another apple card when I received the text alert to pay then when I received another alert to pay on XX/XX/XXXX thats when I ext them and they explained that I had 2 cards. I have asked them over 60 times to please remove due to covid care act and the discrepency and they do not respond. Goldman & Sachs do not return my calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have had significant difficulty reaching and interacting with a Bank of America associate, XXXX XXXX, who was assigned to me pursuant to CFPB case # XXXX. XXXX XXXX and I spoke once, on or around XX/XX/2022, but then not again for the subsequent several months. I have left him several messages, and have had one message returned on XX/XX/2022. I believe XXXX XXXX is not completely aware of the extensive range of difficulties I am encountering and therefore may not be in the best position to assist further in this matter. 

I was very optimistic that XXXX XXXX would provide such assistance, but as mentioned, I have but unable to directly interact with him to advise him on my ( lack of ) progress and detail where help is needed. 

Most specifically, I have a new fraud claim and/or disputes open on several transactions, after obtaining the forged sales slips and comparing them to my own signature as it has appeared on any number of legal documents. I have been unable to obtain an update on these claims for several weeks now, despite the fact that my submitted evidence is incontrovertible and should be resolved in my favor immediately. As I have mentioned to XXXX XXXX in several messages, the evidence I have submitted should also have the effect of validating the prior disputes on transactions in the same date range as the ones for which BofA now has sales slips for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 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: CA

Complaint narrative:
On XXXXXXXX XXXX I sent via certified mail a letter to all XXXX bureaus regarding accounts that were inaccurate and to be investigated. 
The Credit bureaus stated : XXXX or XXXX XXXXXXXX XXXX XXXX was properly investigated but how, if the date last active in Not Accurate. 

XXXX XXXXXXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 

Over 30 days has passed and nothing had been sent to me for validation and accuracy for XXXX XXXX XXXX. 

This is grounds for Removal. According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction.

15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on 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 non-monetary relief
Consumer complaint received 2022-06-27 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: NY

Complaint narrative:
I disputed an account, it was removed from all the other credit reports except for transunion. I received verbal confirmation that it had been removed from XXXX XXXX XXXX on XX/XX/2022 when I called on XX/XX/2022. I paid the original creditor on XX/XX/2022. I submitted a dispute, but according to transunion the debt collection agency, the original creditor is still reporting the account as unpaid and open to transunion. I've been getting the runaround from both companies about how to proceed. I had another verbal conversation that it had been removed on their end ( XXXX  ) on XX/XX/2022, and that it is no longer with them per their supervisor. I had received additional confirmation that it had been taken off of the report on XX/XX/2022. 

XXXX XXXX XXXX XXXX 's contact info is XXXX XXXX XXXX XXXX XXXX, the original creditor 's contact info is XXXX Transunion said that they can't remove it unless XXXX reports it as removed and that they will do so as soon as it's reported to them, XXXX has said that it's up to transunion to remove it. Receipts are attached, it's been paid in full. I'm very frustrated and tired of getting the runaround from both companies.

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