vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, My date leacking by credit agency, few credit requests from someone, regular phone call for student loan, what I never taken, My date Leacking by XXXX, XXXX  and XXXX .Bless good  Lockout agency inform me about this. 
My emails XXXX what was used for request closed by me personally. 
I know this is illegal used my date for their purposes, but really I do not know now what I can to do? Need I write a letter for human right to courts? Or you can find different way? 
Additionally there involved my family, where agency transfer my request, do not show closed loans, and do additional request. 
Please let me know are this is discrimination by skin color?, By accent of languages? By nationality? By genger? because they send me messages regular where offer sex. 

Best regards, 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 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Hello, I am struggling to keep up with my car loan, The amount I pay is XXXX The problem is that since XX/XX/2020 The president declared waived no payments for 3 months, I am not getting the same amount of my monthly income that I used to have. 
Since the pandemic hit the U.S I have then called Nissan Financial That we came to an agreement of paying {$260.00} As of now, since then In XXXX they have called me multiple times Saying that I have only done half payments and want full payments They don't understand there's hundreds of people now with evictions and Nissan has kept calling me about full payments twice in XXXX and XXXX. I can only afford to do the payments of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I signed up for XXXX XXXX, ALSO XXXX XXXX, XXXX internet in XX/XX/2020. The internet equipment delivered was stated to be an easy self-installation. I spend several hours on hold waiting for customer service to have a technician sent to my house. A technician was finally scheduled on XX/XX/XXXX, but his arrival was 4 hours after the scheduled window of arrival time, and I was unable to be there to let him in. Several attempts to reschedule were not accommodated. I spoke to customer service several more times and they indicated I would not be charged as I never received any services from them. I returned the equipment to the local branch. On XX/XX/2020 they referred by debt to AmSher collection services. I told them the debt is invalid as I never was able to use the service nor connect to the internet through there services. They took this back to XXXX XXXX, XXXX who continues to contend that the debt is valid. AmSher is threatening to place a collection account on my credit report, and I think this is invalid and highly unethical. 

My Creditor account number is : XXXX My AmSher Acct # is XXXX I'd like to stop receiving phone calls and letters related to this and have this unwarranted collection service to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I have applied 2 separate occasions for XXXX XXXX  and quicken loans. They both denied me even after I submitted the requested proof that my DTI is not what is reflected on my credit report. They have illegally denied my loan in violation of the ECOA and FHA regulations which state the minimum required credit score is XXXX and I am at XXXX with a 10 % down payment on XXXX single family home totaling XXXX. The loan is with a Co-borrower and they still denied me both of these companies did the same thing. Quicken denied me after accepting my application and preapproving my purchase which was done in XX/XX/2020 initiated and they left it in limbo and still have not sent out an official denial letter or posted it to my account as to why I was denied only told me over the phone. XXXX XXXX XXXX XXXX XXXX XXXX was my rep for this company. Loan application # XXXX. 

NOTE : MY CREDIT SCORE IS A XXXX AND THE CO-BORROWER IS A XXXX WITH YEARS OF PAYING DOWN HUGE DEBTS QUICKLY AND ON TIME. FURTHER MORE I HAVE IDENTITY THEFT DISCOVERED DURING THIS PROCESS AND HAVE REPORTED IT AND TAKEN ALL THE STEPS TO HAVE IT THOROUGHLY INVESTIGATED FOR CORRECTION OF ACCOUNTS. 

The application for XXXX was done by XXXX XXXX Mortgage Loan Originator NLMS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Cell : XXXX XXXX They did send out my denial letter which you will see attached below but again the required process for submission to show I only am obligated for a certain portion of what is reflected on my credit report due to Cosigning for my daughters car but she pays all of her payments not myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
I have inquiries on my credit report that I did not apply for or authorize. 

The only inquiry that is valid is XXXX  XXXX for my car lease. 

Please remove all other hard inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Receivables Performance Management, LLC
State: OH

Complaint narrative:
RPM account has violated my right under FCRA. This account is now in civil litigation to violation of my rights by FCRA. Right violated includes, but not limited to, Defamation, financial injury US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. Also FCRA Section 623 and FCRA Section 604 ( A ) ( 3 ). Protection under the FDCPA was violated Gearing v. Check Brokerage CorpCacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). Under these violations company must remove all information on  report until civil litigation is complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
Right at the start of the new year I logged into my online account on for XXXX XXXX at XXXX ; I wanted to setup an automatic payments ; the website said I already had automatic payments scheduled to take place XX/XX/XXXX. I had also setup contact information for my email and my phone numbers so that when the payment when through or one was due it would text and email me. Come XX/XX/XXXX the payment did not go through. I did not notice until XXXX that I did not pay my bill. The servicer did send me a letter in the mail after the 2nd missed payment but by then it was too late the damage was done to my credit. And the company wanted me to pay late fees. They never notified me via email or text like I had setup. 

Basically their automated system/online system was malfunctioning and still has been. 

In XXXX I contacted them to waive the late fees due to these issues and they waived one late fee and did not waive the other. They told me I had to go on the website and submit a request. I did that and sometime in XXXX they shut my auto payment off again without notifying me. Which caused another late fee and a mark on my credit again. 

Before this time I had never missed any payments and always paid on time. 
I have asked them to provide a letter so I can provide it to the credit bureaus and get my credit back on track.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. MY CREDIT HISTORY IS NOW IN A HORRIBLE STATE BECAUSE OF THIS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
AMSHER COLLECTION SERVICES are attempting to collect on an account that I have no knowledge of. In have never received a written notice or otherwise regarding this matter. Pursuant to the Fair Credit Reporting Act the Fair Debt Collections Practices Act and the Fair Credit Billing Act, my rights as a consumer have been violated under the law. 

I was never given the opportunity to dispute and or request verification of this alleged debt. The original creditor is : XXXX XXXX XXXX XXXX ... .in the amount of {$200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: On Q Financial
State: AZ

Complaint narrative:
XXXX received " Notice of cancellation '' form my homeowner insurance company. The semi-annual premium for my policy had not been paid and was now considered past due. The demand stated that I have until XXXX to pay the premium or the policy will be canceled. The amount of the premium is {$1600.00} XXXX XXXX made several attempts to contact OnQ Financial for being past due paying homeowners insurance. Several attempts to contact the company end in voice mail XXXX and you can't escape. The last on on hold was over an hour and achieved nothing. 

XXXX made contact with OnQ after over an hour in voice mail. Agent stated that this was an issue with the " Settlement Agent '' and I would need to contact them regarding issue. I reminded her that I made payment to OnQ Financial and she refused any assistance. She would only give the name and phone of the " Settlement Agent '', XXXX, XXXX. 

XXXX Called XXXX, immediately got transferred to another voice mail box for the " Dispersant and Resolutions team ''. Direct Line : XXXX xt XXXX. 

XXXX XXXX Called the " Dispersant and Resolutions team ''. Straight to VM. Could not get a human on the phone. All numbers lead to VM ONLY! Left another message on the VM for a potential return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Account name Mercantile adjmnt original creditor discount power which is a light company sold my information that they didnt supposed to do. The keep reporting this account to the credit bureaus thats not right The information is not accurate I can not have two light company serving my address at one time I have a contract with another company My contract expires with discount power my account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The companies are continuing to report inaccurate items on my credit repair company after I warned them once I sent my second warning off letting them know to stop illegally reporting the items im attaching my letters I sent to them containing all the information neccessary

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: IL

Complaint narrative:
The companies are continuing to report inaccurate items on my credit repair company after I warned them once I sent my second warning off letting them know to stop illegally reporting the items im attaching my letters I sent to them containing all the information neccessary

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: NC

Complaint narrative:
I previously sent a letter to CoreLogic asking them to place a security freeze on my CoreLogic credit report they sent me a letter back basically saying that they are the reseller of consumer report information provided by the three National Consumer reporting agencies. So therefore they were not able to place a freeze on my CoreLogic credit report. But I know they play security freezes because I placed a security freeze with them many times before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: OH

Complaint narrative:
A auto account was opened without my knowledge. I have ttied to fix the problem numerous time. With that being said under the many rights were violated under FCRA such as but not limited to, Defamation, financial injury US Court of Appeals, XXXX  Circuit, No. 00-15946, Nelson vs. Chase Manhattan. Also FCRA Section 623 & FCRA Section 604 ( A ) ( 3 ). Attached will be multiple documents in order to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: OH

Complaint narrative:
A auto account was opened without my knowledge. I have ttied to fix the problem numerous time. With that being said under the many rights were violated under FCRA such as but not limited to, Defamation, financial injury US Court of Appeals, XXXX  Circuit, No. 00-15946, Nelson vs. Chase Manhattan. Also FCRA Section 623 & FCRA Section 604 ( A ) ( 3 ). Attached will be multiple documents in order to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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 am requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for. I dont know who gave you this information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
Car loan that is on my report has nothing to do with me at all. This is fraud on what is going on m report. I disputed these charges so many time and no one has done anything to take this car payment loan amount off my report. I never cosigned for the car loan that is on my report and I never cosigned for anything else, so this should never had been on my report. I don't understand why my score is always lowing when in my whole entire life I never had my credit always lose points so much like it has been. Someone really needs to investigate better on these reports when a dispute is amended. One of my reports has showed a high score for me. So I don't understand why these other 2 reports are showing false  accounts on my report. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
{$900.00} was taken out of my Checking account Through XXXX. I do not know who that person is. 
XX/XX/2020 QuickPay with XXXX payment to XXXX XXXX XXXX XXXX Till this day Chase have not given back my money! I already filed a complaint. Apparently this has been happening to a lot of CHASE Customers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2019 I began repairing my credit while doing so I found many inaccurate accounts listed from XXXX XXXX. I contacted all three credit bureaus to dispute the items that were listed that had been sent to XXXX XXXX and XXXX XXXX, the item came back verified from Equifax which I new was correct I then reached back out to XXXX XXXX to have them send me over proof that the items were mine which resulted in them finding that the accounts in fact did not belong to me. I contacted the collection agency to request that the items be removed and nothing has happened. I have also contacted Equifax to have several disputes done and again nothing has been removed. I have been denied credit due to these situation and would like to have it corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: IL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for. I dont know who gave you this information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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 am requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for. I dont know who gave you this information!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: VI

Complaint narrative:
send me copy of my credit report they dont let me login to any of the free accounts either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: VI

Complaint narrative:
send me copy of my credit report they dont let me login to any of the free accounts either

Company response to consumer: Closed with explanation