vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
At the end of my Kia Finance lease XX/XX/2017 they attempted to charge me for wear and tear for {$680.00} even though I had purchased an insurance plan to cover any of these expenses when I originally leased the car. After pointing this out to Kia and sending them a copy of the insurance plan they told me not to pay any charges until they finished their research. After 3 months they charged off the {$680.00} and did not contact me. My payment record was spotless. All of my credit history is outstanding.

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 2020-05-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX in its usual fashion made false claims in consolidating student loans for nearly 20 years ago and reissued paperwork for me to sign alone even though it was no longer valid for collection purposes with the thought that I may have a chance to going back to school. Despite allowing them to get away with that fraud they now have ruins my perfect payment history by instituting XXXX 's payment during a pandemic and somehow miraculously charging me a hundred and twenty days late now. First and foremost this loan is inaccurate and has never then used for XXXX as they claim but also to ruin someone's credit during a pandemic when you ordered the president was to defer those payments is it illegal immoral and another reason why they shouldn't exist as a company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AZ

Complaint narrative:
Vanderbilt Mortgage and Finance refused to foreclose on my mortgage after I filed for Chapter XXXX bankruptcy without reaffirming my loan back in XXXX. They stated that as long as someone was paying the payments they were allowed to accept them. My ex-husband, whom was never listed on the loan in any way, continued to call in and make phone payments on the loan. In the past year they have also added more money to the original loan to pay back property taxes that accrued and were owed from the time I was released from the debt. I was told several times that this was legal and that although they have never changed the loan into someone else 's name, they will continue to accept payments from whomever is squatting there. I called back in XXXX to ensure that my information stays confidential and made it crucial that my personal information was not shared with my ex-husband due to a restraining order and other domestic issues. The account representative then spoke to my ex-husband and shared not only that I called and requested this, but also shared my contact information with him at the time. I moved in XXXX and updated my mailing address with the mortgage company to keep track of the loan that is still in my name. On XX/XX/XXXX an account representative allowed my ex-husband to call and change addresses to get my information including my new home address, and he was able to get my loan information sent to him directly. Vanderbilt has breached my confidentiality on more than one occasion and this needs to be investigated. I am not only responsible for HOA fees where my mortgage has not been foreclosed and my only recourse is to evict my ex-husband that is squatting there, but now I am in danger due to the breach of my personal information by Vanderbilt and his new ability to find me at my new residence. I have called several times to share this with the company and they state that because I am not longer liable for the loan due to my bankruptcy that they are now allowed to talk to anyone that calls about the account whether they are authorized or not. This is not okay!!! If they are allowed to talk to other people then they need to take my name and personal information off the loan and change ownership of the mortgage!! I have been dealing with this issue for several years and I hope someone can shed some light onto why this is happening and how to fix the problem. I should not have to deal with this for 30 years.

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 2020-05-13 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  : XXXX XXXX  ACCOUNT NUMBER : 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 2020-05-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : 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 2020-05-13 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX is reporting I have an account with them and I have never had an account with them. 

Citicard Cbna has an account on my credit and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them.

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 2020-05-13 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX is reporting I have an account with them and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them. 

JPMCB Card has an account on my credit and I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: NM

Complaint narrative:
To whom this may concern, I have been trying to contact EPPIcard inquiring about my unemployment card that my unemployment benefits have been going onto and I have not even recieved this card and have no way of accessing anything or anyone reguarding this issue. so now i am reaching out to you in hopes that we can get something figured out before I no longer have a home because i cant access my money in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, an individual or individuals used my identity -- at least my name, maybe more, but not my SSN -- to apply for a line of credit with XXXX, which is my mobile carrier. On XX/XX/XXXX, I discovered that this resulted in a hard inquiry being made on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX 's fraud department and informed them of this. I was told that it would be investigated. I also filed a police report. 

On XX/XX/XXXX, I filed an online dispute with XXXX. I filed, with great difficulty, a dispute by phone with XXXX. I attempted to file a dispute by phone with TransUnion, but was told that I needed to contact XXXX to get a letter stating that the charge was fraudulent. 

On XX/XX/XXXX, I called XXXX to follow up with my XXXX inquiry. I spoke with a supervisor in the fraud department. XXXX had no records of my XX/XX/XXXX inquiry, and it was clear that nothing had been done. The supervisor told me that she saw a hard inquiry from XX/XX/XXXX with my name but not my SSN. She told me that she could only provide a letter if it was my SSN. I reiterated that the inquiry was fraudulent, therefore nor my SSN, yet it still appeared on all three of my credit reports. She/XXXX refused to look into the matter any further or take any action to have the inquiry removed. 

Not only am I the victim of an identity theft, but I also feel that XXXX and/or the credit bureaus are not following the law. First, XXXX initiated a hard inquiry into my credit with a fake SSN or an SSN belonging to someone else. This inquiry should not have been possible, as they should not have been able to verify my identity since it was being used by someone else with someone else 's SSN. Second, XXXX refusing to provide a letter to the credit reporting agencies continues the perpetration of this fraud. Third, shouldn't the credit reporting agencies have some agency in this? 

I was the victim of a crime. I have followed all of the recommended steps. The police have refused to investigate, and the companies involved have refused to cooperate. I have no faith that anyone will ever be held accountable, but I don't think it's too much to ask that I not suffer the consequences of a lower credit score, higher interest rates, and less financial stability resulting from me being the victim of a crime.

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 2020-05-13 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: NV

Complaint narrative:
the company wont let me login XXXX XXXX equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
I have a Barclay Upromise card and noticed a charge that we did not recognize on XX/XX/2020. I tried calling Barclay right away but was on hold for 30 minutes and then decided to email them securely. 

They responded XX/XX/2020 and suggested I try calling the merchant, which I did. It seemed clear it was fraudulent and so I called Barclay again. After waiting a 1.5 hours, I hung up and emailed again. 

They responded to the email and said they had to speak to me in person. 

I called them and was on hold waiting for a representative for 3 hours. It then took 45 minutes for them to help me get a new card. This is a total of almost XXXX hours today. Who has this kind of time?? Especially for a time-sensitive situation? 

I did receive resolution to this but I want it recorded that this was an unacceptable wait time for customer service.

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 2020-05-13 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: NV

Complaint narrative:
the company wont let me login XXXX transunion 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 2020-05-13 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: NV

Complaint narrative:
the company wont let me login experian 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 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
I received notice of a lawsuit filed against me by Persolve legal XXXX, authorized representative for XXXX XXXX XXXX. 
I requested documents to support the ( junk debt ) lawsuit filed against me, to date XXXX XXXX XXXX  and their legal representative have failed/refused to provide any of the requested documents ( Eg.. Application signed by me, the actual write-off amount by the original creditor, how much XXXX XXXX actually paid for the junk debt in dispute ) denying me my legal right to Due Process. 

Persolve legal XXXX  counsel XXXX XXXX XXXX ( CA state bar XXXX ) has used veiled threats, and intimidation tactics in an attempt to force us to accept their {$1000.00} take it or leave it offer without providing any substantial evidence to support Persolve legal XXXX  aggressive attempts to collect money XXXX XXXX XXXX may not be legally entitled to. 

I am asking for your help to help resolve this matter. I ask that XXXX XXXX XXXX and their legal representative Persolve legal XXXX  provide a copy of the original credit application signed by me, a  complete itemized ledger showing payment history, interest and fee charged, an unredacted copy of the leagl assignment XXXX XXXX XXXX recieved from the original creditor and copy of legal unredacted documenation showing what the original write-off amount of the junk debt in dispute was, and how much XXXX XXXX XXXX actually paid for the debt in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Lendmark Financial Services
State: NC

Complaint narrative:
Lendmark Fin is reporting I have an account with them and I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
Victim of ID theft, I am being contacted about a debt in the amount of XXXX dollars By Conserve/XXXX XXXX. I have no business with this compnay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CA

Complaint narrative:
Since XX/XX/2005 this a XXXX educational loan account has appeared on my credit report due a fraudulent signature executed by my ex-spouse in attempt to implicate me in her student loan debt. I have disputed this account several times and have since been held XXXX by both XXXX and Experian for student loan debt that is NOT connected to me and is detrimental to my credit score. The ex-spouse has since legally accepted all responsibility for this debt through the Office of the XXXX XXXX XXXX XXXX ( California ) and is making all withstanding payments as per the legal agreement. This is a disgusting violation of my personal finance position and as you are acutely aware, I have no recourse to move on. Both the creditor and credit reporting agency refuse to do the right thing and remove my name from this debt despite me providing the all documentation associated with this 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 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NY

Complaint narrative:
Collection opened XX/XX/2020 Account type Collection Department / Agency /  Attorney this is not a personal account. this is a credit card merchant. I opened a business account with them and this is not personal account and when I tried to cancel my account they told me if you did not pay {$560.00} we are going to XXXX up your credit and I told them this not a personal account this is a business account and they just kept telling me we used you SSN and this is going to effect your credit score. I called them several times to let them know this is not right. I reported to XXXX and dispute it but still on my credit report.

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