vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-01 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: TX

Complaint narrative:
Transunion has a few account 's listed on my credit report that are inaccurate. After several attempts including notifying Transunion that i was a victim of Fraud. They did not remove these inaccuracies. These accounts were not verified. They put incorrect remarks on these accounts and these are dragging my credit scores down. Which it seems like Transunion is attempting to try to push me towards bankruptcy by force due to this inaccurate information. 

Accounts include -XXXX XXXX XXXX # XXXX Which is a charge off for {$1000.00} which i never opened, and i notified XXXX this was a fraudulent account nor ever lived at the address. They also stated that i opened this account and reported fraud and that the fraud was listed on my account and sent letters to me. This is also false, i never received any mail from them. 
XXXX XXXX - Charge off for XXXX XXXX XXXX XXXX # XXXX {$10000.00}. 
XXXX XXXX - Charge off for XXXX XXXX XXXX  XXXX # XXXX for {$15000.00} I never opened these accounts, and have notified transunion on many attempts at resolving this. 

Secondly my auto loan XXXX XXXX # XXXX says Redeemed repossession. This was never a repossession. I have always had this in my possession and have paid current on time, every month. This is false information and the remarks need to be removed. They were not there up till last month and the car was not repossessed. 

Also XXXX XXXX XXXX - XXXX XXXX XXXX # XXXX It shows 150 Days late which is this inaccurate. The XXXX company had agreed to match the last two payments which would have paid off the balance. XXXX  did not match pay these payments for several months after over 20 calls, and several emails and mailed letters. I asked several times when they would hold up their end of the contract and they said they were processing it. Finally they did match the payment but the deliquesces are inaccurate. 

XXXX - XXXX card. I never opened this account. This account was a result as of fraud that occurred when my identity was stolen. Please remove this inaccurate account from my 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 2018-04-01 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: TX

Complaint narrative:
I been writing all 3 credit bureaus concerning a few items. The first would be XXXX XXXX that has a fraudulent account that was not opened by myself about 4 or 5 years ago. I called the company and the company told me that the fraudulent account should drop off my reports within 45 days, which it didn't. I disputed this item with all credit bureaus in XX/XX/XXXX and it still hasn't been fixed. I have an open account that is current with XXXX XXXX and am in good standing with but I didn't know about the other account until my reports were pulled when trying to get a home loan. The second item that is inaccurate on my account is missed payments and collection status from the child support agency. The account has been in litigation for years because the child support agency wasn't tracking payments that were going directly to the mother in support of my child through my benefits. About 4 years ago, I received an order deleting all past, present, and future payments. I sent letters to all credit bureaus XX/XX/XXXX to have the information taken off my credit reports. The accounts still show with negative information on it when it shouldn't. Also, I had a fraud alert on my credit reports, some since XX/XX/XXXX in which they still allowed companies to pull my credit. Although most fraudulent activities were prevented, the bureaus still reported all the credit inquiries on my report bringing my credit score down drastically. I couldn't do a police report for the inquiries that wasn't done by me because according to them, nothing was stolen. In order to do a police report on the inquiries, an account would have to be opened by the perpetrator. So I have like 50 credit inquiries in which I wrote to the credit bureaus and specifically stated the inquiries were not requested by myself, nor did I give permission for my reports to be pulled by those companies/people. The credit bureaus are not doing the proper investigations into disputes. If they were, these items would be removed because they are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-01 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: TX

Complaint narrative:
I been writing all 3 credit bureaus concerning a few items. The first would be XXXX XXXX that has a fraudulent account that was not opened by myself about 4 or 5 years ago. I called the company and the company told me that the fraudulent account should drop off my reports within 45 days, which it didn't. I disputed this item with all credit bureaus in XX/XX/XXXX and it still hasn't been fixed. I have an open account that is current with XXXX XXXX and am in good standing with but I didn't know about the other account until my reports were pulled when trying to get a home loan. The second item that is inaccurate on my account is missed payments and collection status from the child support agency. The account has been in litigation for years because the child support agency wasn't tracking payments that were going directly to the mother in support of my child through my benefits. About 4 years ago, I received an order deleting all past, present, and future payments. I sent letters to all credit bureaus XX/XX/XXXX to have the information taken off my credit reports. The accounts still show with negative information on it when it shouldn't. Also, I had a fraud alert on my credit reports, some since XX/XX/XXXX in which they still allowed companies to pull my credit. Although most fraudulent activities were prevented, the bureaus still reported all the credit inquiries on my report bringing my credit score down drastically. I couldn't do a police report for the inquiries that wasn't done by me because according to them, nothing was stolen. In order to do a police report on the inquiries, an account would have to be opened by the perpetrator. So I have like 50 credit inquiries in which I wrote to the credit bureaus and specifically stated the inquiries were not requested by myself, nor did I give permission for my reports to be pulled by those companies/people. The credit bureaus are not doing the proper investigations into disputes. If they were, these items would be removed because they are inaccurate.

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 2018-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed disputes for removal cause of missing information from credit rating, amount paid, balance incorrect, and incorrect account number

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 2018-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( Equifax, XXXX, XXXX XXXX ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active. 

The account information is as follows : Equifax : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in XX/XX/XXXX/XX/XX/XXXX.  This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( XXXX XXXX ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your XXXX credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc. 

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Identity theft fraudulent account stolen identity Account was deleted from Credit report and then keeps being added on back to my credit report 11 XXXX XXXX Amount XXXX Opened XX/XX/2018 The original creditor was deleted from my report and now for some reason a collection company brought this fraudulent account an placed it back onto my credit report I never had an account with XXXX o

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 2018-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I took a loan with this company and then had an emergency arise before I could pay them back. I have a lawyer on retainer and am in the process of filing for Chapter XXXX bankruptcy. On XX/XX/XXXX, I  pre-empively emailed them my attorney name, phone number, address and chapter number before they initially contacted me. On XX/XX/XXXX I was contacted by a collector attempting to collect a payment. I informed her that I was filing bankruptcy and she said they tried to contact my attorney but got a voicemail. ( They have to leave a message and the attorney office will contact them. ) Again, I gave her the information including my attorney 's e-mail address. On XX/XX/XXXX, I was contacted again and they still claim they can't get the information. I explained to the collector that they have to leave a message and the attorney handles it from there. Again I provided all information they required. After hanging up with them, I immediately called the number I provided them, and it works fine. On XX/XX/XXXX, I received another call from the collector asking for payment. I again gave them the information. I also informed the collector that this is harassment because they are calling daily and I am cooperating every single time they call. I informed the collector that I would be filing complaints with the appropriate agencies. She apologized and said she was forwarding the information to their legal team again. Now today XX/XX/XXXX, the same collector calls me this morning attempting to collect payment and telling me they can not get ahold of the attorney. I asked her how they expect to reach an attorney on a weekend, and she proceeded to tell me this was from a few days ago. I informed her that I just gave her the information yesterday ( Saturday ) She had nothing to say to this. I again informed her that she is violating FDCPA laws, and that I was filing complaints and sending in a cease and desist letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DYNAMIC RECOVERY SERVICES, INC.
State: MA

Complaint narrative:
I Paid What I Owe Them. but They Did Not Remove IT From My Credit Report.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The Issues : 1. Capital One violated state and federal laws and regulations when informed verbally and in writing that XXXX XXXX XXXX XXXX XXXX stole my Capital One credit card number. 

2. Capital One conspired with XXXX XXXXXXXX XXXX XXXX XXXXXXXX to defraud me. 

3. Capital One has instructed me in writing on how to defraud the IRS.

4. Capital One has repeatedly lied to the CFPB to try to cover up their violations of state & federal laws and regulations : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

The Details : Attached Folder 1 The Documented Proof : Attached Folder 2 Some documents provided by Consumer Services under the Attorney General of Florida

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-01 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I have been working tirelessly to get items removed off my report because I was a victim of all my data being stolen off the OPM database ( I was a federal employee ). However this item is of a different circumstance. XXXX XXXX XXXX XXXX is trying to collect a debt for Santander CO in the amount of XXXX I purchased a XX/XX/XXXX XXXX from XXXX XXXX in XX/XX/XXXX and financed it through Santander but I only had the car in my possession for less than 60 days as the car engine was making a knocking noise and the transmission was not shifting properly. I took the car back to XXXX XXXX and they put me in another car, XX/XX/XXXX XXXX XXXX but because it was past the 30 days they had to roll in the negative equity of {$4900.00} for the XXXX into my new loan with XXXX XXXX XXXX. Needless to say I was furious but I had no choice because my daily commute was long and I needed a reliable car. 

I have contacted XXXX XXXX and spoke with the Finance Manager and he told me that I absolutely DO NOT OWE this debt to Santander because they were paid when I financed the XXXX. Unfortunately, he could not find the sales order for the XXXX because they have changed systems since XX/XX/XXXX. 

I believe this is nothing short of a CRIMINAL ACT by both XXXX XXXX XXXX and Santander as they are trying to collect a debt they have already been paid on and have ruined my credit in the meantime! 

I am desperate to get some assistance with helping me get this item removed from my XXXX   credit report ( it is not showing on XXXX or XXXX ) as it is a large amount ( XXXX ) and it is seriously affecting my credit score. I feel I have done all the right things to get this removed but I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Identity theft stolen identity fraudulent account This account was deleted from my credit report then added back onto my credit report this account was deleted two an gets added back on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Amount XXXX Opened XX/XX/2015 The creditor also changed its name to the XXXX XXXX XXXX and but this account back on my report This account does not belong to me I never applied for credit with this creditor Experian sent me letters saying the account was deleted from my credit report and sent me online dispute results showing the account was deleted from my credit report but then add the account back to my report after it was deleted

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 2018-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian will not allow for " identity documents '' to be uploaded to verify identity to obtain a FREE ANNUAL CREDIT REPORT via " XXXX ''. Getting through to a human being at " Experian '' is IMPOSSIBLE!

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 2018-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have had been a Navient student loan customer since XX/XX/2013. My total amount that I supposedly owe is through the roof. I called them several times to see if I qualified for loan forgiveness an they told me I had to make 6 months to a year worth of payments. I thought that was wrong so I called consolidating program an they told me that they have my loan on lock down because Navient was being sued. I didnt think it was fair for me to suffer to pay when them getting sued isnt my fault. Im asking this could I please have help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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: VA

Complaint narrative:
I have been working tirelessly to get items removed off my report because I was a victim of all my data being stolen off the OPM database ( I was a federal employee ). However this item is of a different circumstance. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX CO in the amount of XXXX I purchased a XX/XX/XXXX XXXX from XXXX XXXX in XX/XX/XXXX and financed it through XXXX but I only had the car in my possession for less than 60 days as the car engine was making a knocking noise and the transmission was not shifting properly. I took the car back to XXXX XXXX and they put me in another car, XX/XX/XXXX XXXX XXXX but because it was past the 30 days they had to roll in the negative equity of {$4900.00} for the XXXX into my new loan with XXXX XXXX XXXX. Needless to say I was furious but I had no choice because my daily commute was long and I needed a reliable car. 

I have contacted XXXX XXXX and spoke with the Finance Manager and he told me that I absolutely DO NOT OWE this debt to XXXX because they were paid when I financed the XXXX. Unfortunately, he could not find the sales order for the XXXX because they have changed systems since XX/XX/XXXX. 

I believe this is nothing short of a CRIMINAL ACT by both XXXX XXXX XXXX and XXXX as they are trying to collect a debt they have already been paid on and have ruined my credit in the meantime! 

I am desperate to get some assistance with helping me get this item removed from my Experian credit report ( it is not showing on XXXX or XXXX ) as it is a large amount ( XXXX ) and it is seriously affecting my credit score. I feel I have done all the right things to get this removed but I am being ignored.

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 2018-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
My home is also my office so I routinely pay mortgage with a business checking account. Ive paid it this way for years. I received a letter dated XX/XX/XXXX from Mr. Cooper on XX/XX/XXXX. The letter also included my check for the mortgage payment due on XX/XX/XXXX. They had returned the check to me stating they were unable to identify account information even though I had included a payment stub and also had paid my mortgage using this checking account for years. I paid the installment immediately upon receiving the letter. Unfortunately, it was XX/XX/XXXX and exactly 30 days late at that point. Mr. Cooper reported it 30 days late to credit agencies ( actually two late payments even thought its one in question ) and its preventing me from obtaining a new mortgage. I plead with a XXXX XXXX XXXX via email ( XXXX ) and she refused my request to remove it even after I had proven and she concurred that the payment was received on XX/XX/XXXX. I have documents to support my claims. I believe Mr. Cooper is intentionally attempting to prevent me from being able to refinance my mortgage with another company.

Company response to consumer: Closed with explanation