vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account.

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 2020-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: MO

Complaint narrative:
I did have a loan with World Financial, but was paid in full by the XXXX XXXX XXXX XXXX XXXX XXXX Missouri ( loan was at the branch office in XXXX Missouri ), never took another one out from them, Have disputed it many times on XXXX XXXX, but they keep saying it was mine and and have even asked for copies on signed note which they have never showed me ( i am sure that it might of been taken out by my " '' EX " '' wife ) the amount is for {$750.00} and is showing taken out " '' AFTER " '' my devoice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: RFNA, LP
State: MS

Complaint narrative:
I sent Republic Finance a letter on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back. 

I sent a letter to XXXX on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: CA

Complaint narrative:
Dear CFPB, I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off on XX/XX/XXXX and closed. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1.Delete this account, because this account was charged off in XX/XX/XXXX and reports account type OPEN under the Collection 2.Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date. Incorrect information. 


3.Delete this account, because it reports an incorrect amount. Correct amount is {$2900.00} on the credit report shows {$2900.00} 4.Delete this account, because it shows an incomplete account number. Correct account number # XXXX ; on the credit report shows # XXXX 5.Delete this account, because it shows Past Due {$2900.00} a Charge Off/Close Collection Account must show {$0.00} Past Due. 



Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I called XXXX  they have no record and I still see it in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I received an automated called on XX/XX/2020 from the company telling me to call them so when I went I to my account to see if there was any reason for them calling I realized I was 7 days late for my payment and I paid it right there then set up a payment for XXXX. On XX/XX/2020 I got an email from XXXX  XXXX  saying my credit report was updated and when I opened it to see what updated, I saw that the company marked my credit report as 30 days late. I disputed it and on XX/XX/2020 I got a response that said that my file was once again updated and this time they marked me 30 days late for XXXX and XXXX even though my due date for XXXX wasn't for another 3 days. When I go into my account, it doesn't show I'm late at all and I'm paying theinimum payment that I'm supposed to pay. When I called to talk to them, they're claiming I haven't made a payment since XXXX but my account shows the payments. The company wants nothing to do with cooperating with me and keeps putting hits on my credit report and took me off of the hardship because " I didn't make 2 consecutive payments ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Original Complaint XXXX submitted XX/XX/XXXX. 
Case closed XX/XX/XXXX. 
Company ( PHH ) did not fully respond to my complaint. 
I received partial refund of trial payments on XX/XX/XXXX as described in the response to my complaint from PHH. 
on XX/XX/XXXX I corresponded via email with council of PHH. ( email attached ) on XX/XX/XXXX PHH 's council requested and I supplied additional documents to support my complaint. ( email attached ) on XX/XX/XXXX I requested an update from council of PHH, and no response.

The following 3 issues were not responded to or resolved : 1- Refund of 7 misapplied trail payments XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX Endorsement of Insurance check in the amount of XXXX payable to Ocwen and XXXX XXXX . 
3- Financial relocation aid - {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NC

Complaint narrative:
I am a victim of identity theft

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 2020-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
back in 2018 I was unemployed and had reached out to the company about an administrative forbearance. they sent me the paperwork to fill out and I had sent it back and they claimed they had never recieved the paperwork and in return they had reported my account as negative for 3 months. I have been calling and sending good will letters for the past 2 years and have made payments on time for the past 2 years without missing a payment and the company refuses to do anything. I have tried to speak with several account managers about this and they tell me that they can't do anything but keep calling me demanding payment in full in exchange for them to consider redacting the information they had reported. this information on my credit report is detrimental to my credit report and I have sent several letters to all three credit monitoring agencies disputing this information and the reporting agency to no avail. I am now at risk of bankruptcy due to this negative information having a substantial impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: CA

Complaint narrative:
-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/2020 with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/2020 with a balance of {$30000.00} -This is not my account.

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 2020-10-19 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Insight One Solutions, LLC
State: FL

Complaint narrative:
This letter was sent to XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$18000.00}. The letter stated, " This account is past the statute of limitations for the state of Florida. Delete this account immediately. If this account is not deleted please sent me foreclosure documents to include a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my complete payment history, send my balance history, send any insurance accounts, send my interest rate disclosures, and send my payoff disclosures. This account is past the statute of limitations for the state of Florida. Delete this account immediately ''. 

This letter was sent to XXXX Dispute Department on XXXX XX/XX/XXXX. This account has been satisfied with XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).  The letter stated, " The date last active for XXXX  is XXXX XX/XX/XXXX, and XXXX  also shows last reported XXXX XX/XX/XXXX. This is in conflict. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NY

Complaint narrative:
i was a victim of identity theft i have accounts that are on my credit report that was not opened by me.

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 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I went to an emergency XXXX  visit at the office of XXXX XXXX XXXX XXXX : XXXX, and on a followup I was pressured into applying for financing, on the spot, for what I was led to believe was urgent critical care. I was told by the office staff that my actions wouldn't create a hard inquiry on my credit report, which I took to mean I was NOT applying for a credit card. I found out after that I now have a credit card carrying a {$5000.00} balance, for services not yet rendered. When I try to login to the card servicer 's website, https : //consumercenter.mysynchrony.com, I can not create an account, can not access my information, and can not get in touch with a representative of the company. 

I am going to continue to try to get this disaster managed, but the practices by XXXX XXXX and Synchrony bank were, if not illegal, very dishonest and manipulative.

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 2020-10-19 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: NY

Complaint narrative:
i was a victim of identity theft i have accounts that are on my credit report that was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NY

Complaint narrative:
i was a victim of identity theft i have accounts that are on my credit report that was not opened by me.

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 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA bank is hurting a military family of XXXX. The commercials are incorrect when it comes to fraud coverage. They want to call it a scam Instead. 
XX/XX/2020 someone committed fraud and stole XXXX dollars from my husband who is in the service and myself. My identity card and military ID was also stolen. A woman imitated ( stolen ) a surgical company name. And took money from us. We did not authorize the charges to her. The money was taken by XXXX XXXX and XXXX XXXX. 
USAA covered 2 out of 5 charges that were committed by the same  person. They now dont want to cover the rest of the charges and are putting it into collections and told us they dont want to do business with us. They are picking and choosing what they want to cover for fraud and not cover.

We called 30+ times reported it as soon as we noticed and begged and cried for help. They wouldnt help and would never call for information and made there own determination.

We filed police reports with local detective and the federal trade commission. We gave the police all the information and found out the suspect.

Usaa will not communicate or try to work this out and we are a family of XXXX  on one income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I signed documents with Navy Federal for an Auto Loan at 4.29 % for 72 months. The New Car Dealership that I purchased the vehicle from titled the vehicle improperly. Once notified by Navy Federal I spent 2 days tracking down the title, signing it and turning it in at one of their branches with the branch Manager. Therefore Navy Federal is in possession of the title which should have shown in good faith that I wanted this to be an amicable relationship. During this entire time, I continued to pay my contracted payment of {$1100.00} EARLY every month. Based on conversations that I have had with Navy Federal, my contracted Auto Loan with GAP  insurance has been converted to an unsecured loan at some outrageous interest rate which I never signed up for and they have continued to report my payments late to the credit bureaus although they receive their payments month in and month out. In addition, they are still charging me for GAP insurance on what they consider an unsecured loan. As someone who works in the Automotive Industry at the dealers level, I have never seen a Credit Union release funds until the Title App was properly filled out showing the bank as lienholder. Although this whole ordeal is NOT my fault, I have taken time out of my busy schedule in an effort to rectify this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC.
State: TX

Complaint narrative:
The CSA/XXXX XXXX debt of {$190.00} has been paid. The debt still shows as unpaid and is being reported to credit bureaus.

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 2020-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
I recently spoke with several individuals at National Credit Adjusters about the above account. Attached you will find an FTC filing that states that not only the account with NCA is not mine but also the XXXX Visa account which your company is attempting to collect is fraudulent by way of identity theft. I have NEVER had a XXXX  VISA. I have NEVER received a XXXX  VISA to my address at XXXX XXXX Ct, which has been my ONLY mailing address for the last 5 plus years. A XXXX  Visa card tradeline has NEVER appeared on my credit file on ANY credit bureau. 

As I am filing both of these accounts with the Federal Trade Commission as fraud, I ask that your company follow the law and block/remove this collection from my credit files at all three credit reporting agencies immediately. I have attached this correspondence to myself, FTC and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent XX/XX/2020. The 60 Day demand to comply was sent on XX/XX/2020.

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 2020-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: VA

Complaint narrative:
Home Point Financial located in XXXX Texas refuses to give me credit for receiving my loan payoff in the amount of {$180000.00} which they acknowledge was " applied '' on XX/XX/2020. Instead they are claiming after the fact that they received it on XX/XX/2020, and are not giving me credit for the payoff payment until that date. This fictitious date change is causing me to incur additional fees in the amount of roughly {$250.00}. I have documentary evidence that Home Point Financial receive the payoff payment on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX continues to report interest charges on a closed case. This negative remark does not meet legal requirements for credit reporting. 

I sent a letter on XX/XX/2020 by certified mail in which they received, yet, did not remove the derogatory mark, hindering my ability to maintain a proper score.

Listed below is a description of the items that indicate that this derogatory mark should have never been on from my credit report in the first place : 1. The account status is unavailable with no usage, balance, or monthly payment.

2. It is labeled that there is no past due amount.

3. It says the debt included in or discharge through Bankruptcy XXXX, XXXX, or XXXX. 

They have not followed the law according to The Fair Credit Reporting Act. They have refused to remove my remark and continue to ruin my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 explanation