vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for and was approved for financing through Syncrony Bank for XXXX XXXX. The terms, which have been verified with both the sleep number store and Sleep number customer service state that I should not be billed until 30 days after I recieve my bed. That date was XX/XX/XXXX. On XX/XX/XXXX, a bill was issued -- no dispute because that is correct, I recieved an alert from the credit bureau that my credit was over the limit. They have yet after 2 phone calls not explained why the amount charged is over the limit and why I have not been given the option to make a payment before alerting my credit of the over the limit amount that they can't explain, I have yet to recieve the bill issued on XX/XX/XXXX. The terms of the financing were 4 years interest free and then 5.99 % for the following 24 months. Synchrony bank also has 2 XXXX XXXX accounts reported on my credit report and there should only be 1. It states my credit utilization is 64 % which is also not correct as this is the only account with a balance and I have an XXXX credit limit between this and the only other revolving credit account I have which is also with Syncrony Bank. My credit score dropped 46 points today due to these issues of inaccurate reporting, I have asked them to correct the mistakes to no avail. Syncrony Bank disconnected the call the first time I contacted them at XXXX XXXX XX/XX/XXXX and the second time argued about what the promotional financing was and when I asked for a supervisor I was placed on hold for almost an hour. No one came back on the line to assist me or check in to let me know what was going on. Second call took place at XXXX XXXX on XX/XX/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 2022-03-09 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: CA

Complaint narrative:
I AM DISPUTING MY ACCOUNT WITH XXXX FROM LAST 1 YEAR. THEY ARE REPORT WRONG DATA ON MY REPORT FOR XXXX XXXX XXXX ACCOUNT. 
DATE OF LAST PAYMENT IS WRONG. 
CLOSED DATE IS WRONG. 
THEY VIOLATED MY RIGHTS Delinquency First Reported XX/XX/2019, WHICH IS WRONG I PAID AS AGREED IN XX/XX/2019.

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 2022-03-09 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: CA

Complaint narrative:
I AM DISPUTING MY ACCOUNT WITH EQUIFAX FROM LAST 1 YEAR. THEY ARE REPORT WRONG DATA ON MY REPORT FOR XXXX XXXX XXXXXXXX ACCOUNT. 
DATE OF LAST PAYMENT IS WRONG. 
CLOSED DATE IS WRONG. 
THEY VIOLATED MY RIGHTS Delinquency First Reported XX/XX/2019, WHICH IS WRONG I PAID AS AGREED IN XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
After checking my most recent credit score, I contacted AFFIRM and mentioned to them that the information on my credit report is incorrect. They sent me a letter saying the account would be deleted on all three beureaus. It still shows on XXXX and is not properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have Been trying to work with the credit bureaus to get this account deleted. I have been reading into my rights and I know that if there's errors, that the accounts must be deleted. I have sent them over a dozen letters to try to correct this and get it deleted, and they just keep giving me the runaround. I have already filed a complaint with you before but I am attempting again to see if this time is different. I am requesting for the account to be deleted and have attached a copy of the information being reported as well as my ID since one time they said I had NOT attached it and I have been attaching it and every single letter. 

XXXX XXXX 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 2022-03-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-09 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
In 2020, a collections agency contacted me about an account they purchased from XXXX XXXX XXXX. I submitted numerous documents to prove that XXXX XXXX XXXX was illegally withholding my deposit and charging me {$3000.00} for a penalty, claiming I broke my lease and did not provide them with written notice that I would be vacating the apartment at the end of the lease which was almost 2 months later. They included charges for items I documented on the move-in sheet that they never fixed. I tried to work with the local office, the collection agency, an attorney, XXXX, and the 3 credit reporting agencies. Their excuses run rampant, and I can no longer access the many maintenance requests etc. as the company uses a resident portal that I no longer have access to. I submitted over 30 pictures and documents to Fair Collection and Outsourcing, and they returned a response of " XXXX XXXX said their information is valid ''. 

This is the only negative account on my credit report, and after researching, I've discovered that this company has been sued multiple times in multiple states and even investigated by news organizations for their illegal business practices. I can not prove that I handed the written notice to the employee behind the desk because I did not know anything like this would happen. Please tell me there is something I can do to have this removed from my credit report and any way that I can help in protecting other consumers from this company.

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 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Intercoastal Mortgage LLC
State: VA

Complaint narrative:
We are in dire need of your assistance. We have recently entered into a construction mortgage with Intercostal Mortgage company. We have spoken with XXXX XXXX, our licensed loan officer about obtaining a mortgage. 

He told us on multiple occasions that the mortgage rate lock would be 3.5 %. We have this in writing and we believed him. He told us he would lock the rate right after closing at 3.5 %. This was a lie. It has been 3 months and we have gotten no where with this company. We finally had to reach out to the president of intercostal mortgage for assistance. He just tonight XXXX sent us the rate lock paper work. In order for us to get the rate lock of 3.5 % that were were told we would get, it would now cost us {$58000.00}. We simply of not have this money. Could you please assist us? 

We really need your help. 





From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX EST To : XXXX, XXXX XXXX XXXX Cc :, XXXX XXXX XXXX Subject : Re : ACTION REQUIRED We will lock your 3.5 % long term on your permanent mortgage. 4.25 % is locked for your construction loan. Your perm loan is not locked yet and we will lock as we discussed shortly after closing. 

XXXX XXXX XXXX # XXXX Vice President & Senior Loan Officer Intercoastal Mortgage Company XXXX XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MS

Complaint narrative:
We sold our home at XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. I personally took all of the XXXX equipment to the store located at XXXX XXXX, XXXX, XXXX XXXX, on XX/XX/XXXX to return and requested the account be closed. The account was in good standing at the time and I even paid the bill that came due on XX/XX/XXXX for {$240.00}. I received late payment notices from XXXX starting after XX/XX/XXXX stating I was past due for XX/XX/XXXX. I contacted XXXX a total of ( 5 ) Five times between XX/XX/XXXX and XX/XX/XXXX. Three time in person at the store ( including the original return of equipment date on XX/XX/XXXX and two times by phone ). During one of the two times by phone I received a " ticket '' number XXXX from the XXXX representative on the phone and was told the account would be updated and closed per my initial contact on XX/XX/XXXX. On XX/XX/XXXX, I received another statement in the mail stating I was now past due for the months of XXXX and XXXX, XXXX. I went back to the XXXX store located at XXXX XXXX, XXXX, XXXX and informed the XXXX representative of the situation. He pulled the account up and informed he corrected it and showed it closed per XX/XX/XXXX. I left the store and received an email about 10 minutes later from XXXX showing where the account was closed, but dated XX/XX/XXXX and NOT XX/XX/XXXX. I returned to the store and spoke with the same representative, again, and he assured me he specifically put in the notes for the account to be closed XX/XX/XXXX. I now learned as of XX/XX/XXXX, that XXXX has turned me over collections. I am disputing this claim. I have documentation showing where the house was sold on XX/XX/XXXX and we moved into a new home the same day. This is absolutely ridiculous. I did everything required to close the account and still not resolved. 

I have also filed a complaint with the XXXX XXXX XXXX. I have attached a copy of the closing paperwork on our house located at the residence where service was provided relation to the bill and also a copy of one of the " XXXX ticket '' numbers I received during one of the 5 conversations with XXXX representatives. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/XXXX I received a certified letter at my home address from my employer that my paycheck would be garnished starting XX/XX/XXXX from a credit card that I opened up in XXXX of XXXX, for a dental credir from synchrony Bank in the amount of {$1600.00}, for our .inor child. My ex is responsible for 87 % percent of this debt which is court ordered. I paid my percentage and more on this debt. There has been no payment on this since XX/XX/XXXX as I just now learned of. This has been sold to XXXX XXXX. I had no knowledge of any of this nor was I ever served any papers. I went to XXXX XXXX Ky XXXX House on XX/XX/XXXX to ask questions and review my file. Upon doing so I got a copy of a paper that was never served to me even though it was dated and acknowledged that I had been in XX/XX/XXXX. This is impossible as I didn't live at this address nor anyone that I know. I have lease papers to validate this. So after 2 years of no knowledge of this nonsense my check is being garnished. Statue of limitations has passed as well. This is not legally right whatsoever. I have seeker counsel on this as well and will be obtaining one next week. Thank you for your time. 

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 2022-03-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXXXXXX 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 2022-03-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have Been trying to work with the credit bureaus to get this account deleted. I have been reading into my rights and I know that if there's errors, that the accounts must be deleted. I have sent them over a dozen letters to try to correct this and get it deleted, and they just keep giving me the runaround. I have already filed a complaint with you before but I am attempting again to see if this time is different. I am requesting for the account to be deleted and have attached a copy of the information being reported as well as my ID since one time they said I had NOT attached it and I have been attaching it and every single letter. 

XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MD

Complaint narrative:
Account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX Account # XXXX ha

s violated my rights.

15 U.S.C 1681 section 602 A States I have the right of 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 explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was trying to request an increase on my macys card which the limit was {$7500.00} upon request it asked me online how much I would like more I put {$3000.00} and then it said it was approved and it didnt increase it it lowered my overall Total limit I didnt ask for a decrease it went to {$3000.00} from {$7500.00} when it was supposed to be additional {$3000.00} I was requesting from the {$7500.00} this has to be fixed it said it was approved but it lowered my card limit instead

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 2022-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I submitted a consolidation application for my Direct loans so that I would get payment counts increased from payments made from XXXX under the PSLF waiver. I nearly backed out of my consolidation as a result of the letter I received on XX/XX/XXXX saying that I would lose credit for the nearly 70 payments I already had ( without the additional 4 years of payments that will be added with the waiver ) toward PSLF. I still went through with the consolidation but my payment counts have still not been updated. ( FedLoan is the loan company. ) My previously approved employer still hasn't been updated either but I believe that is through the FSA but FedLoan will not review my PSLF application without the employer being approved ( even though my employer has been approved for the last 3 years. ) Ironically, they have the auxiliary department ( non-profit arm of the hospital ) approved in the help tool but not the actual hospital which is city-owned. Once these payments are counted, I will be very near forgiveness if not completely forgiven. I submitted ECF forms in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and none have been processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX i applied for a car loan with Bridgecrest Auto loans, and due to the Pandemic and loss of employment i could no longer keep the car. I called XXXX where i received the vehicle and advised that i would need to do a voluntary repo for the car. I was advised to drop the keys off and they would let Bridgecrest and they would contact me with the amount owed once the car was sold. 

The car was sold and i was advised their was no debt, I never heard from Bridgecrest again until i noticed last year a debt from a company i did not recognize i tried to call the company and the number was disconnected. I disputed the autoloan on all three of my credit report in XX/XX/XXXX and it was removed from my credit. 

On XX/XX/XXXX a lawsuit against me was taken out and i was not advised by the court or Bridgecrest that a lawsuit had been taken out on me until recently in XXXX of XXXX when a court reporter served me a notice saying that i was being sued by a company called XXXX XXXX XXXX on behalf of Bridgecreast since this time they've placed a {$15000.00} debt back onto my credit and still have not contacted me directly and tried to work with me on a feasible solution. They also used bad tactics by sending court documents to an address i no longer live and have not lived at for over 4yrs by ensuring that they are able to complete a default judgement, this is predatory on their end and shows bad faith on the companies part. 

Their court case has been dismissed because they did not show up to court, i feel harassed for no reason.

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