vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 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: NJ

Complaint narrative:
WRONG NAME REPORTED ON CREDIT FILE - XXXX XXXX and XXXX XXXX WRONG ADDRESS REPORTED ON CREDIT FILE - XXXX XXXX XXXX XXXX, NJ XXXX AND ( XXXX XXXX XXXX, GA XXXX ) ALSO ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Adjustment Bureau, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against FINANCIAL ADJUSTMENT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX XXXX Reported me to XXXX XXXX credit Report as having {$620.00} charged off as a bad debt. 

This is totally incorrect. 
I HAVE TALKED WITH THEM SEVERAL TIMES. 

My checks were taken and my signature forged on checks amounting to about {$600.00}. The bank charged me, then took it off and closed my account. Kept the small amount I had left in my account and now reported me as a bad debt. They do not want to resolve the problem and it is affecting my credit report which is also affecting my homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: IL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL 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 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I started this journey of only inquiring with a auto dealership named XXXX XXXX in XXXX XXXX, Texas. I was speaking with a XXXX only. I advised her I did not want my credit run and further impact my credit score. All I wanted to do is get information on a particular vehicle. I gave her my information but I was clear that I did not want my credit run. Next thing I am aware of is that this " manager '' named " XXXX '' has run my credit 9 times with different finance companies. I did not authorize this at all! I left and told them I would take my business elsewhere and that I was very upset at their doings and practices. Totally shady! I had not even made it out to my car and inquiries after inquiries kept digging on my phone. My credit apps that I have in place to alert me kept notifying me of these numerous inquiries. All three credit bureaus are now affected and I have tried to reason with XXXX XXXX but with out any success. All three bureaus will not remove these inquiries either due to their rules and policies according to them. I am requesting your help to get these inquiries off my credit reports. I have been greatly affected by these inquiries and during these hard time due to the economic impact the Covid-19 Pandemic has caused, it's been horrible! Please help 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 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I called Bank of America so they can lower my interest. I am currently paying over XXXX a month in interest and its crushing me. I was transfered over 5 times to various departments. Spoke with XXXX, XXXX, XXXX, XXXX and finally XXXX who dropped the call either intentionally or accidentally. I am willing to pay what I owe i just need the Interest lowered to 0 % or close to that. They wont budge! They keep saying its competitive. XXXX lowered mine to 9.9 % but BOA is unwilling. They even tried to send me to a 3rd party debt consolidation company. I told them I owe them the debt not to a 3rd party. My income has been reduced significantly and I pay them on time or early. Please assist.

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 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I have disputed this account with Commonwealth Financial and they have sent me nothing at all. I do not know who they are or why they are on my credit. On my credit, it says there's a balance of well over {$1000.00}. You would think for that kind of money, Commonwealth could at least write me a letter. Sheesh. I am asking you kindly to investigate their willful negligence. I believe in the United States, reporting invalidated information constitutes defamation of character, as well as willful negligence. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MN

Complaint narrative:
My wife filed bankruptcy in her name only. I received a letter regarding a loan that is in my name only stating that M & T bank put my account into bankruptcy status, they will stop my online access and stop reporting my payments to the credit bureaus unless I file a reaffirmation with the court. 

I didnt file bankruptcy, my spouse is not on this loan, therefore I have no bankruptcy case to file reaffirmation with and the loan will not be discharged in my wifes bankruptcy case because this is not her debt. I still owe this debt. There is nothing to reaffirm. 

The bank is saying that because someone used my address to file, they have to put my loan into bankruptcy status. This makes no sense. If she had used my neighbors address to file, would the neighbors loan go into bankruptcy status??? I have offered to send them a copy of the bankruptcy petition to prove that this loan is not on the petition and not being discharged. They dont care. 

They have put me in a situation that I cant legally or logically resolve. If I do not compete the reaffirmation, they will damage my credit, but reaffirmation is to be filed in a bankruptcy case for a loan that has been discharged. I HAVE NO BANKRUPTCY CASE TO FILE IN AND THIS LOAN HAS NOT BEEN DISCHARGED. I still am responsible for this loan the same as the day before my wife filed. The only way I can complete reaffirmation is if I myself file bankruptcy and get the loan discharged. They dont seem to understand that one needs to happen for the other to be possible. I did not file bankruptcy and this loan has not been discharged. 

They have no instructions on how to file a reaffirmation when you havent filed bankruptcy and why it is required to reaffirm a loan you are still responsible for.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously disputed an account for inaccuracies with all three credit bureaus as 95 percent of the information from all bureaus were different. This notice was received by Experian on XX/XX/XXXX, XXXX via certified mail. I then received a copy of my dispute results from Experian stated that my account was updated, no changes were listed. I then mailed a method of verification letter. This letter was received XX/XX/XXXX, XXXX by Experian XXXX On today XX/XX/XXXX, I received an alert that my dispute was completed and that the results were generated. Upon signing in my results were unavailable, per Experian website Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. I contacted Experian and spoke with a representative by the name of XXXX, this representative told me that the only thing that had been done to the updated account was the remarks were removed. I asked XXXX, were my concerns addressed. Per my dispute letter, I asked for the method of verification to ensure the accuracy of this account. Per XXXX, Experian can not give me that information. And that I would have to reach out to the creditor. I asked what method did Experian use to update my account. I was told that the creditor tells them to either update or remove the account. I stated, in order to investigate something ; you must reach out to the creditor and they should provide verifiable proof that the information that you are reporting is 100 percent accurate. I then asked to speak to a supervisor to better explain the situation. She left me on hold and returns and stated that the supervisors are all unavailable. I asked would the results of my disputes be mailed to me as the are unavailable online, I was then put on hold once again. She comes back to the phone and says that the results can not be regenerated. Confused, I said that I never received the dispute results and asked could a supervisor return my call. The representative then ended the call. This is not the way that any company should have handled this situation, Im asking for information to be thoroughly reviewed for accuracy and provide me with this proof or remove this account from 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
Consumer complaint received 2021-02-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i submitted a complaint to all 3 credit bureaus on XX/XX/2020 about the inaccurate and incomplete of my accounts that need to be delete. one of the three in this case XXXX did corrected the mistake by deleting the incomplete account. XXXX and TRANSUNION did not, i am still sending them and proving to them about the inaccurate accounts that they are reporting but keep giving me the same response that they have verify but i don't understand what they have verify if i am sending proof that the information that they are reporting is incomplete. please help since they are not taking me serious.

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 2021-02-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a fraud credit card open on XX/XX/XXXX. On XX/XX/XXXX I had issue resolved to my favor from bank credit card. Enclosed letter stated to my favor as a fraud and they will remove from my 3 credit report agencies. They don't remove and leave in my credit report so it harms my credit score. I have contacted them and spoke with supervisor since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They state it will be removed every time I call them and resolved. Its been 9 months and still unsolved. I don't understand why bank treats people in this form when knowing it was fraud. They need to remove from all 3 credit agency as they said they will do. thank you for assistants. 
amount {$2600.00}

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 non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I've reached out and settled the debt in full with the collection company who provided a receipt of payment and a deletion letter that the account will be removed from all reporting credit agencies, including XXXX XXXX, and XXXX 
I have attached the deletion letter from the collection company below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
I dont owe this company anything never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TX

Complaint narrative:
I started this journey of only inquiring with a auto dealership named XXXX XXXX in XXXX XXXX, Texas. I was speaking with a XXXX only. I advised her I did not want my credit run and further impact my credit score. All I wanted to do is get information on a particular vehicle. I gave her my information but I was clear that I did not want my credit run. Next thing I am aware of is that this " manager '' named " XXXX '' has run my credit 9 times with different finance companies. I did not authorize this at all! I left and told them I would take my business elsewhere and that I was very upset at their doings and practices. Totally shady! I had not even made it out to my car and inquiries after inquiries kept digging on my phone. My credit apps that I have in place to alert me kept notifying me of these numerous inquiries. All three credit bureaus are now affected and I have tried to reason with XXXX XXXX but with out any success. All three bureaus will not remove these inquiries either due to their rules and policies according to them. I am requesting your help to get these inquiries off my credit reports. I have been greatly affected by these inquiries and during these hard time due to the economic impact the Covid-19 Pandemic has caused, it's been horrible! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I started this journey of only inquiring with a auto dealership named XXXX XXXX in XXXX XXXX, Texas. I was speaking with a XXXX only. I advised her I did not want my credit run and further impact my credit score. All I wanted to do is get information on a particular vehicle. I gave her my information but I was clear that I did not want my credit run. Next thing I am aware of is that this " manager '' named " XXXX '' has run my credit 9 times with different finance companies. I did not authorize this at all! I left and told them I would take my business elsewhere and that I was very upset at their doings and practices. Totally shady! I had not even made it out to my car and inquiries after inquiries kept digging on my phone. My credit apps that I have in place to alert me kept notifying me of these numerous inquiries. All three credit bureaus are now affected and I have tried to reason with XXXX XXXX but with out any success. All three bureaus will not remove these inquiries either due to their rules and policies according to them. I am requesting your help to get these inquiries off my credit reports. I have been greatly affected by these inquiries and during these hard time due to the economic impact the Covid-19 Pandemic has caused, it's been horrible! Please help 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 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Consumer portfolio services is reporting inaccurate information theyre claiming this account was sold to XXXX XXXX. When it was not because The company XXXX  is not reporting on my credit report.Consumer portfolio services is still reporting on my credit reports and XXXX  services are not. This vehicle was supposedly repossessed in XXXX of XXXX and then supposedly sold in an auction. The Statute of limitations in Pennsylvania is 4 years for a contract. The debt was not validated. I sent a debt validation letter to the company on XX/XX/XXXX and received no response. I want this account deleted on all 3 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom mortgage took on my mortgage in XXXX of 2020. I have through the life of the loan and several servicers made payment on the XXXX of each month. 

Yet now for the month of XXXX I have received four calls asking when I intend to make payment. I tell them one, whenever I make the payment and two, I've always made payment on the XXXX. 

This is harrassment. I have never received calls before when I go into my grace period which is every single month. I also received several calls regarding a refinance which I had to tell the loan officer I wasn't one, interested and two eligible. So both situations would have answered their own question if they looked at my history on the account. 

I spoke with XXXX and his supervisor XXXX on XX/XX/XXXX and was told thet have to call every month because it's their guidlines. Then how come I've never received these harassment calls before? What's changed? He said it is a requirement from the financer XXXX XXXX. Secondly he said everyone who does not pay by the first of the month gets put on these auto dial lists. I find it hard to believe suddenly all of their customers are being harrassed to let them know when payment is coming each month if they take advantage of the grace period. 

I was told if I continue to pay on the XXXX of each month I will always receive this call. Or many calls if I do not give them a date. This is harrassment.

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against MERCHANTS AND PROF. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation