vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, XXXX, and TransUnion. ... XXXX, XXXX, and TransUnion are legally obligated to provide identical information Upon review of my transunion and XXXX  report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per transuion report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX payments are not able to be verified.

Per further investigation I am requesting that information being reported by XXXX XXXX be verified based upon accuracy. Tranuion is showing no payment data. XXXX  is showing 17 late payments reported by XXXX XXXX. XXXX  is showing 16 late payments being reported by XXXX XXXX.

XXXX  is showing 2 accounts ever late. XXXX  is showing 3 accounts late as well as transunion. But under XXXX  and transuion only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.

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 2021-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2019, I fell at work and was off because of the XXXX. The Creditor Victoria Secret credit card was calling my employer and giving my boss information that I was behind on my payments, what I owed and the min. payment. I was not late and the payment and dates did get matched together. I guess they kept applying the payment to the previous month. 

I am upset and have closed the account because of the disclosed information to my employer. If they could not get a hold of me, they should have sent a letter. My personal information should never be given to anyone. 

When I complained to the " Manager '' they said they have the right to call my employer. I informed him that he could not give out my personal information to my employer. 
I closed the account in frustration. I later opened a second account, but this practice is against the law. What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
These are snippets of our conversation my recorded call is two long as it went on for 36 minutes equifax already admitted to not having such written concent by me the consumer to furnish i demanded for deletion they said they have no power to do that but they have the power to furnish on my consumer report with out my written instruction because somebody else told them too. You guys are suppose to respect my privacy 15 usc 1681 ( 4 ) I the consumer have the right to privacy. 15 usc 1681 b ( 2 ) you have to have my written instruction to furnish anything you guys have failed and is a individual action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: FL

Complaint narrative:
The FCRA applies only to the 3 main credit reporting bureaus -- Equifax, XXXX, and XXXX. ... Equifax, XXXX, and XXXX  are legally obligated to provide identical information Upon review of my XXXX  and equifax report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per XXXX  report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX payments are not able to be verified.

Per further investigation I am requesting that information being reported by XXXX XXXX be verified based upon accuracy. XXXX  is showing no payment data. Equifax is showing 17 late payments reported by XXXX XXXX. XXXX  is showing 16 late payments being reported by XXXX XXXX.

XXXX  is showing 2 accounts ever late. Equifax is showing 3 accounts late as well as XXXX. But under Equifax and XXXX  only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, Experian, and XXXX. ... XXXX, Experian, and XXXX  are legally obligated to provide identical information Upon review of my XXXX  and XXXX  report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per XXXX  report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX  payments are not able to be verified. 

Per further investigation I am requesting that information being reported by XXXX XXXX  be verified based upon accuracy. XXXX is showing no payment data. XXXX  is showing 17 late payments reported by XXXX XXXX. Experian is showing 16 late payments being reported by XXXX XXXX. 

Experian is showing 2 accounts ever late. XXXX  is showing 3 accounts late as well as XXXX. But under XXXX  and XXXX  only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.

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 2021-08-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/XXXX I did two money orders and the lady said it didn't go through so she told me to swipe again and it went through so on XX/XX/XXXX I got charged again for the same amount of the money orders and I've been trying to dispute these last two transactions from the XX/XX/XXXX and I keep getting hung up on or put on hold no one will answer why they took my money twice!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We were first time home buyers through XXXX XXXX Loans and made our first monthly payment on XX/XX/2021 of {$2200.00} then our loan got sold to Loancare who has since lost our payment and is stating I am delinquent on my account. I have given them all of the information they are asking for and they still have not fixed the issue and keep giving me the run around. This is the absolute worst company I have ever had to deal with. I just want my payment to go through so I can finish paying my mortgage payments on time like I was trying to in the first place. This is ridiculous.

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 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: UT

Complaint narrative:
Debt was for repairs done to a home after a water leak. The company who did the work ( XXXX ) and XXXX were disputing the final amount for the repair. The final amount of the invoice was decided on XXXX. An invoice was sent several weeks later and the balance was sent on XXXX, email communication with XXXX XXXX, president and owner of XXXX confirmed the balance was paid on their end as of XXXX. 

Kinum, a debt collection agency, then contact me via letter dated XXXX and received XXXX. I called Kinum and spoke to a woman who did not give her name who said they were first contacted by XXXX  XXXX and asked to collect a debt in the amount of {$2100.00}, I explained that the amount of the repairs was not decided on until XXXX and it was impossible for them to have been given that number in XXXX. I then asked if they had done a debt verification and if so on what date it was done, she then refused to answer and directed me to contact XXXX, which I had already done. 

I believe a reasonable person would interpret the statements made by the Kinum representative as false and inaccurate and in violation of the Fair Debt Collection Practices Act. I would like to stress that I believe XXXX did not intend for the paid debt to go to collections and they will correct that issue, however this complain is pointed solely at Kinum who has not complied with federal regulation regarding their attempt to collect a debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CA

Complaint narrative:
XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX  and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
As of XX/XX/XXXX, XXXXThe mortgage company Caliber Home Loans is reporting that the mortgage on my wifes XXXX  credit report is closed as of XX/XX/2021. 
XXXX  does reflect that she has a mortgage at all. XXXX  has the mortgage but the last month it last month that is was updated was XX/XX/2021, and the mortgage up to date. Also XXXX  is not showing on my husbands credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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:
XXXX XXXX is reporting a collection in my name that isn't mine to both TransUnion and XXXX I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

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 2021-08-06 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:
XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX and Experian. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

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 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC System, INC claims they are collecting a debt of {$340.00} for XXXX. XXXX can not produce any documentation with my signature that states I agreed to any two year contract terms with them to validate this debt. They state this is for an early termination fee yet have no signed documents from me stating that I agreed to a 2 year contract when they installed the equipment. IC Systems has no valid signed documentation from XXXX yet they continue to place the collection on my credit report.I have requested from IC System, INC on multiple occasions to either produce documentation with my signature and contract terms to validate the debt or to remove it from my credit report. They failed to do either of these things.

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 2021-08-06 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery is reporting a collection in my name that isn't mine to both XXXX XXXX, and XXXX I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX, Equifax, and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
I paid Amerisave {$500.00} to refinance my home. Less than 24-hours after I sent the {$500.00} to this company using my debit card, I decided to go into a Chapter XXXX Bankruptcy. No company would refinance my home. I was totally stressed because all my family is deceased. I only have my home and am retired, elderly and have health issues. 

I hope Amerisave is not trying to take advantage of an elderly widow who wants to keep her home? I sent Amerisave {$500.00} because I hoped the company could refinance my home. 

I reviewed my financial situation and knew that I was not a candidate who XXXX  XXXX XXXX ( XXXX ) would help me in any manner. XXXX  was extremely unaccommodating in trying to refinance my home under any circumstances. I know that XXXX  XXXX XXXX wanted to make my life miserable and refused to refinance a $ XXXX 2nd mortgage. 

I began trying to refinance my mortgage in XX/XX/XXXXwith XXXX. I was played, disrespected and belittled by this giant institution, XXXX. My paperwork was lost, missing or not found when I tried to determine what the status of my refinancing was with XXXX. 

After agony, grief and a hard look at my financial situation, I immediately told the representative of Amerisave of my decision to stop the drama and ill-will from every company I tried to get my home loan refinanced.

The company, Amerisave, returned the {$500.00} on XXXX to my account. Now, this company has charged the original {$500.00} again. I am XXXX-years old, widowed and have paid my bills on time. I am disturbed that Amerisave is taking advantage of the elderly. Why would Amerisave reverse these charges?

I have health issues and need my money from Amerisave. This company did no actions on my behalf. Please help me get my {$500.00}. 
These are my bank charges below : XX/XX/XXXX XXXX XXXX XXXX - AMERISAVE MORTGAGE COR Credit Reversal - {$500.00} XX/XX/XXXX XXXX  Simply Checking Card Adjustment Signature ( Credit ) AMERISAVE MORTGAGE COR XXXX XXXX Purchase + {$500.00} XX/XX/XXXX XXXX Dispute Credit - AMERISAVE MORTGAGE COR Provisional Credit + {$500.00} XX/XX/XXXX Amerisave Mortgage Purchase - {$500.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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:
XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both TransUnion, XXXX and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

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 2021-08-06 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:
XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX XXXX, and Experian. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

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 2021-08-06 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is reporting a collection in my name that isn't mine to both XXXX, XXXX, and XXXX I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

Company response to consumer: Closed with explanation