vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
Hello, I recently leased a car with a 1 time cash payment made up-front. My financing was put through XXXX. 

About four weeks into the lease - on XX/XX/2020 - XXXX  sends me a note saying they have chosen to reject the application for financing given information contained in my credit report. They did say they've made an offer to the dealer to adjust the terms / re-send and that I'm being notified as it's my right to see what is in my credit history. 

Two scores were listed in the notice - XXXX  had me listed at XXXX which is roughly in line with my monthly credit scores I receive from 2 banks ( XXXX & XXXX  XXXX XXXX - always somewhere between XXXX-XXXX  ). SageStream - who I've never heard of - had me instead listed at XXXX which seems way off of any score I've ever seen having watched these for ~4 years now. 

Further, the only reasons given for this low score are - Limited History for consumer at this address [ As if I'm a risk given I just moved cross country - all loans and accounts have not been impacted in this move or my prior moves ] Total account balances Too few retail accounts Too few active accounts [ these all seem similar to complaints from other vendors ].

Finally - when I seek out a consumer entitled report from SageStream I am pointed at their website or fax to submit my request. I also require my social security, detailed perosnal info such as birthdate, and my drivers license. 

I do not feel comfortable giving this to a company that looks partially like a scam and am not given any other options to send this report to either my current address ( whcih to be fair - is 2 months old ) or one of my previous more permanent addresses - of which the USPS could forward the mail as I have my move on file with them ). 

Finally - it seems utterly absurd to me that there is a company out there that seems to be undercutting my credit score via invalid methods. I can understand a 20-50 point swing, but to cause me to not be financed via a score that is >110 points off ( on a loan I paid 100 % in case up front ) seems ridiculous and personally I feel like my consumer rights ( not to mention my right as an American citizen to travel freely in our country having committed no crime or ever failed to meet a financial commitment I've made ) are being impeded.

I've tried to contact the dealer to understand if they received any notice. Ultimately this seems like a shady piece of business from SageStream LLC and potentially XXXX  to find cause to tweak their contracts to their benefit by publishing faulty records on their consumers. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NJ

Complaint narrative:
Good Afternoon, I requested my credit file from Equifax on XX/XX/XXXX using XXXX XXXX XXXX   site and was given my free credit report upon entering my identifying information. 

On XX/XX/XXXX I sent Equifax a dispute letter by mail attaching the very same verifying information. They sent a letter dated XX/XX/XXXX that they were " unable to locate a credit file '' in their database with the information I provided - which is inaccurate since the very same information that gave me access to my report in the first place is what I sent them. 

I sent that same verifying information a 2nd time on XX/XX/XXXX. They sent the same letter in response to my 2nd inquiry on XX/XX/XXXX, stating they were " unable to locate a credit file '' in their database with the information I provided. Again, I submitted the same information that gave me access to the original report on XX/XX/XXXX. 

It has now been over 30 days since they received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MacDowell & Associates, Ltd.
State: CA

Complaint narrative:
I am writing to complain about a company MacDowell & Associates, LTD- XXXX XXXX XXXX . I have recently received documents that I am being sued by them without even notified. For a vehicle that was released to their client XXXX XXXX XXXX, XXXX. Since then the amount owed has made its on my credit report and has affected my credit score negatively. MacDowell & Associates have harassed me by relentlessly calling my mobile phone, calling my job. Ive changed my number because they would reach out on the hour, every hour trying to get me to pay back XXXX ( as if a guy working a retail job has that kind of money laying under a rock. XXXX XXXX XXXX is what shows up on my credit report but this law firm are the ones trying to turn rocks into gold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a Barclays XXXX and Barclays Uber CC they have placed a block on both cards. I have sent the information requested and Im sending it along with this document again to no avail

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 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX shows 3 credit inquiries related to a mortgage application. They had a system problem that caused me to have to submit the application 3 times ( one of which was done incorrectly ). It's OK for me to have 1 pull, BUT NOT 3 of them. 

They said they'd take care of these pull ( remove from XXXX  ) from myself and my wife but they have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Hello, I recently leased a car with a 1 time cash payment made up-front. My financing was put through Ally.

About four weeks into the lease - on XX/XX/2020 - Ally sends me a note saying they have chosen to reject the application for financing given information contained in my credit report. They did say they've made an offer to the dealer to adjust the terms / re-send and that I'm being notified as it's my right to see what is in my credit history. 

Two scores were listed in the notice - XXXX had me listed at XXXX which is roughly in line with my monthly credit scores I receive from 2 banks ( XXXX & XXXX  XXXX XXXX - always somewhere between XXXX-XXXX  ). XXXX - who I've never heard of - had me instead listed at XXXX which seems way off of any score I've ever seen having watched these for ~4 years now.

Further, the only reasons given for this low score are - Limited History for consumer at this address [ As if I'm a risk given I just moved cross country - all loans and accounts have not been impacted in this move or my prior moves ] Total account balances Too few retail accounts Too few active accounts [ these all seem similar to complaints from other vendors ]. 

Finally - when I seek out a consumer entitled report from XXXX I am pointed at their website or fax to submit my request. I also require my social security, detailed perosnal info such as birthdate, and my drivers license. 

I do not feel comfortable giving this to a company that looks partially like a scam and am not given any other options to send this report to either my current address ( whcih to be fair - is 2 months old ) or one of my previous more permanent addresses - of which the USPS could forward the mail as I have my move on file with them ). 

Finally - it seems utterly absurd to me that there is a company out there that seems to be undercutting my credit score via invalid methods. I can understand a 20-50 point swing, but to cause me to not be financed via a score that is >110 points off ( on a loan I paid 100 % in case up front ) seems ridiculous and personally I feel like my consumer rights ( not to mention my right as an American citizen to travel freely in our country having committed no crime or ever failed to meet a financial commitment I've made ) are being impeded. 

I've tried to contact the dealer to understand if they received any notice. Ultimately this seems like a shady piece of business from XXXX XXXX and potentially Ally to find cause to tweak their contracts to their benefit by publishing faulty records on their consumers. 

Best, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: PA

Complaint narrative:
As a young consumer, I opened my first credit card with, what would become Elan Financial Services, in XXXX. I did this to build my credit score and become a financially responsible adult. I utilized the card for many years without any issues. 

On XX/XX/XXXX, I learned my credit card with Elan Financial Services was closed after a decade with the company. When I called in, I spoke to three different people, the last was a manager named XXXX ( refused to provide last name ) employee id XXXX. I was informed that my relationship was ended due to inactivity, however I never received notification of any form that my card would be closed if not used, nor that it actually had been closed. Upon reviewing my credit report I learned that it was closed and had a drastic negative impact on my credit score.

Throughout my decade long relationship with Elan, I never had any payment issues or derogatory marks. I have never had any issues or negative marks from any other financial institution I have a relationship with either. When I asked why I wasnt informe
d, XXXX  simply told theyre not obligated to inform me, but they do inform clients sometimes, no reason was provided as to why I wasnt one of those lucky clients. I asked XXXX how Elan operates in the best interest of their clients, as a financial institution should, she told me they make the best business decisions and they dont tell their clients how they act in the best interest of their clients. 

Even if Elan did not want to maintain the relationship because they were not making money off it, I shouldve be informed so I could act accordingly. Elan severely deteriorated my credit score with this one move by closing my oldest line of credit, simply because I was not one of the lucky clients that they sometimes inform of impending closure. All clients should be treated equally and fairly by the financial institution that they entrust their financial health and wellbeing to.

Elan may have discriminated against me as a female minority, or simply because I was a young consumer when I started the relationship. Whatever the reason I was not one of the lucky clients that get informed, Elan willfully acted against me as their client and my financial health.

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 2020-02-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY CREDIT. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA AS TO WHO COULD HAVE CAUSED SUCH DAMAGE TO MY CREDIT. IT IS WITHOUT A DOUBT THAT I AM A VICTIM OF IDENTITY THEFT. 
IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM A YOUNG MAN TRYING TO FULFILL MY DREAMS AND MY CREDIT PLAYS A VERY IMPORTANT ROLL. 
I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Debt was not reported as owed until inquiry sent to collection agency. New debt appeared

Company response to consumer: Untimely response
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Emergent Business Group, Inc.
State: NJ

Complaint narrative:
Some time in XX/XX/XXXX, after I pulled my Credit report from credit engine XXXX, I discovered accounts on my credit report that did not belong to me. About a year later, On XX/XX/XXXX after spoken with a friend, he recommend me to file a Police Report, so I did. On XX/XX/XXXX, I started disputing the wrong information on my credit report, I sent my first dispute to the Credit Bureaus. On XX/XX/XXXX, I submitted my third dispute ( the account mentioned below was included ), months went by and I finally was able to remove all the wrong information on my credit report. Since my last dispute XXXX, XXXX, I recently received a collection letter from EMERGENT SERVICING, trying to collect an alleged debt with an alleged CURRENT creditor name : XXXX XXXX, XXXX, from an alleged original creditor name : XXXX XXXX XXXX. That account is part of Identity theft Issue and was listed on my FTC that I sent on XX/XX/XXXX that it is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove these from our report since we first found out 5 to 6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX XXXX  XXXX {$680.00} XXXX/XXXX XXXX   XXXX {$420.00} DEPT OF EDUCATION/XXXX  XXXX {$6000.00} XXXX XXXX XXXX XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
l have 4 active credit cards over 2 years old and 2 active personal loans and l still can not get a Fico score from Equifax. 
I have been sending them letters for over 2 years with no result. 
I filed a complain with your institution on XX/XX/2019 without any result. 
So, can you help this time? 
My current Fico Score is XXXX. 
Can you do something about it, please? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: TX

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX. US DEPT ED AND USDOE/XXXX. I have contacted FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I sold my house in XXXX  and paid off the mortgage with Mr. Cooper in XX/XX/XXXX. I moved to XXXX, where I am trying to buy a house. Mr. Cooper has never reported the mortgage history on any credit bureau. I need that history reported to complete my new mortgage. 
I contacted Mr. Cooper on XX/XX/XXXX, and asked them to report it. Unsatisfied with the answer, I spoke with a person identified as a supervisor. He told me because we had experienced a bankruptcy in XXXX, that we should have reaffirmed the mortgage and did not. We were unaware of an action called reaffirmation. He said Mr. Cooper could not report anything to a credit bureau due to the non-reaffirmation. 
I told him I would be contacting the CFPB ( on the advice of our new lender ), and he said " go right ahead '', implying he was not going to do anything to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I am writing to complain about a company XXXX XXXX XXXX, XXXX- XXXX XXXX. XXXX . I have recently received documents that I am being sued by them without even notified. For a vehicle that was released to their client Ford Motor Credit, LLC. Since then the amount owed has made its on my credit report and has affected my credit score negatively. XXXX XXXX XXXX have harassed me by relentlessly calling my mobile phone, calling my job. Ive changed my number because they would reach out on the hour, every hour trying to get me to pay back XXXX ( as if a guy working a XXXX  job has that kind of money laying under a rock. Ford motor credit is what shows up on my credit report but this law firm are the ones trying to turn rocks into gold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove these from our report since we first found out 5 to 6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX XXXX  XXXX {$680.00} XXXX/XXXX XXXX   XXXX {$420.00} DEPT OF EDUCATION/XXXX  XXXX {$6000.00} XXXX XXXX XXXX XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-02-24 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove these from our report since we first found out 5 to 6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX XXXX XXXX {$680.00} XXXX/XXXX XXXX   XXXX {$420.00} DEPT OF EDUCATION/XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-02-24 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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX. US DEPT ED AND USDOE/XXXX. I have contacted FTC and local police.

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 2020-02-24 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: TX

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX. US DEPT ED AND USDOE/XXXX. I have contacted FTC and local police.

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