vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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: AL

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 credit score 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 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 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 .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 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 n now im XXXX n 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 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
Filed a claim XX/XX/2022. Requested creditor to be removed off of rental history and all 3 credit reports. Still fraudingly reporting to all 3 credit reports. Remove ASAP off of my credit report. 

See case XXXX stated they illegally tried to collect $ XXXX in debt for rental lease that was not broken and verified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19 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: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
I had an auto loan with Prestige Financial back in XXXX. The engine died in XX/XX/XXXX and my warranty was not granted. I continued to make the payments because I didnt want to mess up my credit even more. Financially unable to continue to make payments, I stopped in XX/XX/XXXX. The account got charged off in XX/XX/XXXX. Once charged off it is continuing to report as " CHARGED OFF '' with an updated balance every month. I found a few inaccuracies and disputed this with the bureaus requesting to have the account DELETED due to inaccurate information and the account was not removed but updated. I called Prestige to resolve and was advised the account is CO but still accruing interest and they would not remove. I also received an alert that the account has been re-opened to which I am advised it can not be reopened once charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: TX

Complaint narrative:
Please take action immediately your company is in violation of several laws according to the FCRA your displaying multiple incorrect accounts and it is effecting my ability to obtain credit. this is my last time reaching out on my own behalf next time you will hear from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
My banking account with chime was hacked. All my information was changed and my money is gone. The bank reports no record of me. They keep telling me to email them and refuse to assist as I am the owner on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My mortgage was bought by Shell Point Morgage servicer, a collection agency in XX/XX/2022. I had been on a forbearance program with my previous mortgage company due to the fact I contracted XXXX XXXX. Further medical complications due to XXXX left me XXXX and seeking further diagnostic testing and treatment. I could not reach Shellpoint to get information because they could not find me in the system explaining the transfer hadn't come through. When I finally did reach someone, I requested an extension on my forbearance. I then received a point of contact, XXXX XXXX, at Shell Point who informed me I was not eligible for an extension, and I would need to pay the arrearage and whatever fees were added to the pre closure status to get my account out of foreclosure. XXXX said she did not have that figure. She said it would take 5 days to receive that information. I did not receive a follow up call and emailed XXXX. XXXX did not respond with the information I requested to get the loan current. the following day, I received a call from XXXX XXXX on Wednesday, XXXX XXXX at approximately XXXXXXXX XXXX  who informed me I owed {$43000.00} to get the account current and out of foreclosure. I was informed increased fees were included in this figure. She gave me the wire transfer account and routing numbers. The following day on XX/XX/2022 at XXXXXXXX XXXX, I called XXXX with the bank representative present on speaker, handling the wire transfer. XXXX confirmed all account and routing numbers she previously provided, and the total amount of {$43000.00} to get the loan current. XXXX stated she would notify the foreclosure department of the wire transfer. Less than two hours later, at XXXX, XXXX XXXX XXXX me to inform me the amount to get my loan current has increased. To get my loan current those additional increased fees need to be paid or my account will remain in foreclosure. XXXX XXXX informed me my account remains in foreclosure and she would notify me the following day of those figures. I have yet to hear from XXXX XXXX. 
It is very clear Shell Point Mortgage is using abuse and extortion tactics to delay the process and keep my account in foreclosure proceedings, even after I paid the requested amount by the deadline date in which was confirmed verbally and by mail correspondence. I have exhausted all my resources and still in danger of losing my home due to these unethical business practices. I would greatly appreciate a follow up call and investigation into this matter, and any additional resources that can assist me in saving my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: 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  i 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 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 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 n 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 XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS Fargo Issued a secured credit card of {$300.00} dollars. they reported to XXXX XXXX dollars XXXX {$190.00} dollars and to XXXX {$4400.00}, the dates are inconsistent. the types of credit card is inconsistent. When I requested from them a validation of debt they took the liberty to add and change comments on my credit dismissing my request

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank is not providing me with a legible copy of a processed and cleared check for {$2700.00} that was issued by them on my behalf through their bill pay service. The payee claims to have never received the check. The check was sent on XX/XX/XXXX and cleared on XX/XX/XXXX. I have requested a copy of the cleared check with an endorsement and banking information of the bank that cashed/deposited it but they have sent me two copies of a check with none of this information. As I stated before the payee claims to have not received this check. Ive spoken to at least six customer support agents and chatted with at least that many in the last two months and keep getting the run around or told the matter is resolved when it is not. Hoping for some resolution.

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 2022-08-19 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: IL

Complaint narrative:
This account has never belonged to me! This account is unknown to me. I never entered into any agreement with this account. I should not be held responsible for this account because it is not my responsibility!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My partner XXXX XXXX was trying to use the link I have in my account that when applying and gets approved, the person who referred him will earn XXXX advantage miles, however the issue here is when he was trying to use the link he was getting an error message and was unable to use the link. Therefore, he went ahead and applied using the Barclays portal and got approved account # XXXX. I called customer service to report this inconvenience many times that day. Today XXXX I spoke to XXXX, she seemed a bit confused which led me to report this using the CFPB to avoid any misunderstandings and run around. She said a case was created # XXXX. I want to make sure the bonus points will be placed into my advantage account ( XXXX ). It really wasn't our fault that the link Barclays said to use didn't work accordingly.

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 2022-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I was checking my credit score recently and noticed that there was a new collections account on my credit file. I expected a decrease in my credit scores with all 3 CRA 's. What I didn't expect was a XXXX point deduction in my Equifax credit score. So I called on XX/XX/2022 to try and resolve the issue and find out why this had happened. I was treated horribly and had to call back about the same issue several times, because I couldn't get any assistance from customer service that I needed. 
From XX/XX/2022 to XX/XX/2022 my Equifax credit score had been a steady XXXX. On XX/XX/2022 the Equifax credit score plummeted XXXX points to a score of XXXX due to the report of XXXX collections account. XXXX and XXXX XXXX Scores only dropped XXXX points. I want to know how this could happen from XXXX collections account? After recently being made aware of the Equifax Coding Error with their credit scores it truly concerns me that after repairing my credit to a reasonable score of XXXX this company would allow my score to get depleted beyond the standard deduction of XXXX points. My score is currently a XXXX, so I see they have added XXXX points back to my score, but where is the other XXXX points? My score should've been no less than a XXXX after a XXXX point deduction for the collections account. The other CRA 's only deducted XXXX points. Please note from XX/XX/2022 to XX/XX/2022 my XXXX Credit score gained back the XXXX points putting my score with them back to a XXXX. 
Equifax is hindering my ability to obtain any credit I currently may need to obtain to survive and provide for my family. The XXXX points that they've deducted from my score with them has under minded my plan and goal to rebuild my credit. This coding error that Equifax has claimed responsibility for has significantly affected more consumers than the XXXX they claim it only affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurrgent is a debt collection agency that is representing LVNV Funding. I disputed this account with the credit bureau and according to XXXX, this debt was verified. I then sent a certified letter to Resurrgent on XX/XX/2022 for debt validation of this account. I never heard anything from this company. In fact, I sent the confirmed date from the USPS and copies of the certified letter sent to Resurrgent to XXXX on XX/XX/2022. The letter sent to XXXX clearly stated to remove this debt due to the failure of the company Resurrgent not verfiying the debt. I provided clear documents to XXXX to have this removed, instead XXXX sent me another " verified '' debt from Resurrgent/LVNV Funding LLC . 
I contacted XXXX on XX/XX/2022 and spoke with a XXXX representative advised the rep the exact information as stated above and stated that Resurrgent verified twice with them and refused to delete. Pleas advised what steps are needed to get this done,!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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 credit score 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 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 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 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 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 XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE XXXX 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 2022-08-19 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 n i made this clear for 60 days straight with XXXX  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 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 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 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 n now im XXXX  n 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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a final payment in the amount of {$29000.00} was made and applied to my GM Financial account to payoff the loan for my XXXX XXXX XXXX XXXX. To date GM financial has failed to update my credit report showing the loan as paid in full and the account closed despite multiple phone calls and messages requesting they update the reporting. Each time I am told they will update the reporting and it will take 30 days. I wait the 30 days and the reporting does not change. The account still shows the balance, and there has been no updates to the entry since XX/XX/XXXX. The GM financial website shows that the account is closed and paid in full. The customer service team has also confirmed it is paid in full and closed. This has caused my debt to income ratio to be inaccurately skewed which cost me to have a higher interest rate on my new mortgage and has also impacted my ability to finance a vehicle as the banks think this account is still open and active.

Company response to consumer: Closed with non-monetary relief