vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of 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 non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
Innovate Auto Financial is not reporting my payment record to the two credit bureaus they say they report to ( XXXX and XXXX ). This is affecting my credit negatively and preventing necessary purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, THE XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-09 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial is and has been falsely reporting late payments for a period in XXXX when I had a loan with them. I have already filed a complaint once on this and in the response, the late payments that are being reported and challenged were never addressed. They only addressed late payments from XXXX and XXXX which are valid. ALL XXXX LATE PAYMENTS ARE FALSE. I have billing statements proving I made the payments in addition to seeing them in GM Financial 's customer account portal. GM Financial claims they are reporting correctly yet XXXX, XXXX, and XXXX show otherwise. XXXX XXXX XXXX in California even verified they see GM Financial reporting late payments in XXXX when they just recently pulled my credit. Prior to XXXX I had made all on time payments since mid XXXX and continued to do so until XX/XX/XXXX and XX/XX/XXXX. In XXXX and XXXX, during the onset of XXXX, they were offering deferrals for car loan payments. I took advantage of that offer which cleared any need of payments for XXXX and XXXX. I then paid every payments on time ( often early ) from then on out. Any time I have ever called, I get passed around for hours until I magically get disconnected. I don't understand why this is such a fight. All I want is my credit report to show accurately for the year XXXX. I am unable to upload the photos of the account payment history as they are too large. Attached are statements showing I made on-time payments and nothing being past due after XXXX cause of the deferments. Also attached are pictures showing the wrong info being reported for XXXX in XXXX and XXXX. I am unable to show XXXX without paying for it. There is undeniable proof that I made those payments and I should be showing current for all of XXXX. I am adding XXXX, XXXX, and XXXX to this as well. Not to directly complain about them but hopefully make them more aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: AZ

Complaint narrative:
Sent a request on XX/XX/2022 to provide a binding contract with two signatures from me, XXXX XXXX and LENDMARK, but LENDMARK refuse to provide. Requested that LENDMARK be removed from my credit reports due to fraudulent acts of accessing my report without consent, LENDMARK refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: MA

Complaint narrative:
I got a notification on XX/XX/2022 from my XXXX  XXXX XXXX XXXX alert that there was a new inquiry on my transition credit report " hard inquiry '' that i did not recognize. I checked my transition report on XXXX XXXX and there was an inquiry from a place called XXXX XXXX with ( miscellaneous ) after it. I do not know who/what this company is and i did not authorize anyone to pull a hard pull of my credit. I called transition and said that they have seen this from the company before and that there only number is an automated response. I was advised to file a report with the FTC and do send it to transition.

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 2022-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WILLOW BEND MORTGAGE
State: TX

Complaint narrative:
I got my preapproval letter from a lender that my realtor recommended so started looking for home once i found house we were suppose to close on 2 weeks had to put down XXXX down for XXXX XXXX did the inspection and was just waiting for lender to do is part they became a ghost would no take my calls or my realtors calls after 3 weeks they called back and told me they needed to talk to my accountant since I'm self employed had her move numbers around on my business side then to come back and say that my loan had been denied so I not only lost my XXXX but my time and some other expenses that came up with all the paperwork they were requesting end result they just cancel contract and didnt tell me anything apparently we signed a paper during the process that said that we would loose money if we didn't close in a time that the contract said now they don't even answer my calls very frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: Credit Plus Inc
State: IL

Complaint narrative:
I have an inquire on my credit from credit plus from XX/XX/XXXX I never provided any one on that date with verbal or written consent to pull my credit. I do not recognize this inquire. I have reached out to credit plus several times but still will not remove the un know inquire from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Theft of money from my Chase Bank account. 
On XX/XX/XXXX, I borrowed XXXX $ and deposited in my Chase Bank Account. Unknown persons hacked into my Chase Bank account and stole the {$10000.00}. They distributed it to unknown persons. 
I had nothing to do with this theft from my Chase checking account, but Chase bank will not honor my claim of theft and will not restore my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: IA

Complaint narrative:
Security Credit Services is a debt collector that bought my account from XXXX XXXX This account was opened XX/XX/XXXX and is being reported by security credit services as being opened XX/XX/XXXX. Its being falsely reported and the date is more than 6 years of a difference. I called the original card company and they told me when the account was opened but could not provide me with an email or letter stating this. I called security credit services and they asked me for my income, what bills I pay a month and other personal information and stated they no longer have this account. They told me it was sold to another debt collector but security credit services is still reporting it. How is this fair and legal? They are negligently ripping off consumers and falsely reporting arrogant dates to credit reporting agencies. I am a victim of fraud and they are parking this debt on my credit report unfairly!!!! Please help me figure this out. 
I also have XXXXXXXX XXXX XXXX on my credit report. It was also opened over 7 years ago. They also are changing the opened date to false dates. Saying the account is nearly 7 years newer than it actually is. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2022 my daughter was offered a Kohl 's charge card with a discount for opening the card. Her charges were put on my card instead of hers. When I discovered this on XXXX, I was told by Kohl 's oh well at least you know her and they hung up. I tried calling again on XX/XX/2022 only to be told the couldn't help and they hung up. On XX/XX/2022 I went to the store and was told that they couldn't help me I would have to call. I tried calling as soon as I left the store only to be told there was nothing they could do. Called a fourth time and someone looked into it further, but again could do nothing. 

My daughter opened her own card for the discounts. I did not authorize the two charges on my account from XX/XX/2022, in the following amounts, {$17.00} and {$160.00}. My request was they can see that she placed the order, so I want them moved from my account to hers. They can clearly see this, but won't do anything about it. They are allowing and unauthorized signer to use my account. 

They are also misrepresenting the offer made to my daughter, but not giving her the discount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: Selene Holdings LLC
State: TX

Complaint narrative:
Information/ account was discharged in Bankruptcy in XX/XX/XXXX. A lender/debt collector Selene Finance LP posted a foreclosure on my credit report XX/XX/XXXX. 
I called Selene and they agreed that the information reported is incorrect. I started a second dispute with XXXX. 
Experian dispute results says they verified the information is accurate and will remain on my report. How did they verify the information. 
I have called Selene Finance and they have no information they can give me now and can not pull up any account information. 
My wife and i are trying to buy a house and this is causing issues to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of 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 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Green & Sons Agency, Inc.
State: GA

Complaint narrative:
I was treated at XXXX XXXX in 2016 for a serious injury to my XXXX. The Property Insurance Adjuster actually transported me to the office several times to assure I was treated and took care of all the paperwork and accepted liability and paid the bills, On the last visit I was told there was no balance and have never received a bill from that date forward. XXXX XXXX 's office aparently decided to pad the bill years later and give it to Oursource receivables which has reported it to my credit and in order to keep it on my credit, they just change a few details and update it. I called them to get their official contact information so that I could file the proper complaints and the woman says, the bill is {$480.00} but I actually own over {$800.00} and she doesn't care if any insurance paid the bill or took liability, I owe it because XXXX XXXX XXXX  says so. I have disputed it through XXXX and Outsource Receivables refuses to remove the fraudglent billing from my credit, saying its up to their client, XXXX XXXX and admitted that XXXX XXXX never told them about the property insurance coming to his office personally and taking full liability and its not their problem, anyway, as they don't deal with insurance companies. I asked for the identity of the owner and the woman says " We don't have to tell you last names, but the owner is XXXX. I want this removed from my credit and them to stop fraudglently billing me. The woman on the phone tried to trick me by saying, " Oh you admit to receiving the treatment, so you obviouslty owe the bill '' I never denied getting treatment, but none that was not paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
Requested that HRRG provide binding contract with two signatures for this alleged debt, but HRRG fail to provide. Illegal amount calls per violation of Fair Debt Collection Practice Act. Request to cease and desist.

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 2022-06-09 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: FL

Complaint narrative:
unauthorized inquiries : - XXXX XXXX Miscellaneous Individual XX/XX/XXXX - XXXX XXXX  XXXX  Installment Loans Individual XX/XX/XXXX - XXXX/XXXX Credit Cards XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX Personal Loan Companies Individual XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX Credit Cards Individual XX/XX/XXXX - XXXX/XXXX XXXX Sales Financing Individual XX/XX/XXXX - XXXX XXXX Personal Loan XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Credit Cards XXXX XX/XX/XXXX - XXXX  XXXX Miscellaneous Individual XX/XX/XXXX - XXXXXXXX Credit Cards Individual XX/XX/XXXX XXXX XXXX XXXX  Sales Financing Individual XX/XX/XXXX 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 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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