vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 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: GA

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX 1. XXXX 2. XXXX 3. TRANSUNION Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately and permanently within 24 hours. 

Name of Account Account Number Provide Physical Verification Creditor XXXX XXXX  Account XXXX XXXX XXXX XXXX Inquiry XXXX Off Lease Inquiry Off Lease XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX  XXXX Cred Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Credit Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Thank you for your prompt assistance in this matter. 


Sincerely, 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 2018-04-16 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: GA

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX 1. XXXX 2. EXPERIAN 3. XXXX  Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately and permanently within 24 hours. 

Name of Account Account Number Provide Physical Verification Creditor XXXX XXXX Account XXXX XXXX XXXX  XXXX Inquiry XXXX Off Lease Inquiry Off Lease XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Cred Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Credit Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Thank you for your prompt assistance in this matter. 


Sincerely, 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 2018-04-16 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: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
XXXX XXXX has put a XXXX XXXX XXXX on my credit report that is not mines, back in XX/XX/XXXX I had lost my social security card and identification card and a few other things out of my wallet, Well back in XX/XX/XXXX I found out that someone had put a car in my name, not only did they put a car in my name put got into an accident along the highway back in XX/XX/XXXX,  I found out when I got XXXX  for XXXX XXXX XXXX, on my XXXX it says i drove a car without insurance which is associated with the XXXX, I had reached out to XXXX XXXX several times, I have disputed the information, I have called and spoke to many representatives, the last rep she claimed to be a manager her name was XXXX, she told me she would look into it and keep in touch with me, I sent over all the proper documentation she asked for, I explained to her the situation, meanwhile their doing this investigation I am being punished by the Indiana Department of Transportation, in the amount of XXXX ( starting off ) current balance XXXX , I dont know what else to do at this point. Its gotten my license suspended so i cant even get MY drivers license, then they want a police report, but i was not at the scene nor did i know until almost 2 years later so there was no police report filed just security freezes on all 3rd party consumers and credit bureaus. I want to get this resolved immediately, I truly do not want to file bankruptcy, I want them to remove this from my credit report because it is not mines and it is causing me nothing but XXXX.The car was fraudently opened, I have even contacted the dealership and they all redirect me to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Around XX/XX/2017 my checking account got frozen and they told me that it was fraudulent use but they seized all my money and close my account that was {$3300.00} I've been talking to the bank they've been treating me like I'm a lowlife talking to me like very disrespectful hurting my feelings and keep sending me a letter that I haven't took a picture of for you saying that they're working on it and it's it and it's been almost a year now

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 2018-04-16 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: IN

Complaint narrative:
XXXX XXXX has put a XXXX XXXX XXXX on my credit report that is not mines, back in XX/XX/XXXX I had lost my social security card and identification card and a few other things out of my wallet, Well back in XX/XX/XXXXI found out that someone had put a car in my name, not only did they put a car in my name put got into an accident along the highway back in XX/XX/XXXX, I found out when I got arrested for driving while suspended, on my BMV it says i drove a car without insurance which is associated with the XXXX, I had reached out to XXXX XXXX several times, I have disputed the information, I have called and spoke to many representatives, the last rep she claimed to be a manager her name was XXXX, she told me she would look into it and keep in touch with me, I sent over all the proper documentation she asked for, I explained to her the situation, meanwhile their doing this investigation I am being punished by the Indiana Department of Transportation, in the amount of XXXX ( starting off ) current balance XXXX , I dont know what else to do at this point. Its gotten my license suspended so i cant even get MY drivers license, then they want a police report, but i was not at the scene nor did i know until almost 2 years later so there was no police report filed just security freezes on all 3rd party consumers and credit bureaus. I want to get this resolved immediately, I truly do not want to file bankruptcy, I want them to remove this from my credit report because it is not mines and it is causing me nothing but XXXX.The car was fraudently opened, I have even contacted the dealership and they all redirect me to 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 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: OR

Complaint narrative:
On XX/XX/XXXX I went to my bank ( Key Bank ) and ask them to E.T.F. {$550.00} from my checking account to my landlords bank account ( XXXX XXXX ). My landlord provided my bank with her account information but XXXX XXXX the Relationship Manager for Key Bank wrote the account number down missing one number so he sent a check out onXX/XX/XXXX. To date the money was taken out of my account but the landlord or her bank has ever seen this check. On XX/XX/XXXX my landlord, her bank ( XXXX ), myself, my bank ( Key Bank ) all got together to find out why this money was not deposited into my landlords account and it was discovered that XXXX XXXX errored in writing down my landlords account number and that a check was sent out but no one knows where it is now. I went to my bank and personally talked to the bank manager and explained the problems this was causing me late fees on my rent damage to my credit and that I am now in jeperdy of getting a eviction notice. The bank manager said he personally would cancel the check and credit my account that day so I could withdraw the money to pay my rent but to date that has not happened. Additionally, when I first opened the checking account I got on line and received a promotional code for {$200.00} for opening the checking account with Key Bank and was told I would have to go to a key Bank branch office to open the account because they needed to see my I.D . card and social security card XXXX said his computer was down that day so he went into the bank manager office to record the promo number so he could take care of it latter. Latter never came and when I questioned him about it he said he couldn't find it and left it at that. I'd like to get that promo reward

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: MD

Complaint narrative:
I saw on my credit where there are a lot of hard enquires, that I did not authorize I bought a car in XX/XX/XXXX. I reached out to the credit bureaus and explain to them I am a victim of an identity thief provide them with police reports, XXXX and XXXX tried to work with me but Equifax refuses to even send me a credit report or removed the hard enquires that I did not sign for. I explain to the bureaus I bought a car in XX/XX/XXXX and did not try to buy a next one in XX/XX/XXXX of the same year for my credit to run and secondly, I consent to no one to run my credit for no auto loan in XX/XX/XXXX. So why is my credit being run in XX/XX/XXXX so many times by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
I am trying to pay with my XXXX credit card and keep being told that they will not accept my payment. This is resulting in me having to pay late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I applied for the Chase Sapphire Preferred credit card on XX/XX/XXXX ( please see acceptance email ). The promotions for the card were for a bonus XXXX points if I spent {$4000.00} in the first 3 months and that the annual membership fee of {$95.00} was waived the first year ( please see Online Promotion page 2 and Pricing & Terms page 1 ). During the process of applying for the card I was never informed that I would not received this promotion. However, on XX/XX/XXXX I was charged the {$95.00} annual fee ( please see Billing Statement page 3 ). I contacted Chase soon after by telephone with my concern. I was told that this would be investigated and I would receive a letter in the mail with the results. 

On XX/XX/XXXX I received a letter from Chase that stated ( please see attached Chase Letter ) : " We have reviewed your account and have confirmed that the offer you applied for was XXXX points after you spend {$4000.00} on purchases in the first three months your account is open. This offer didn't include a {$95.00} annual fee waiver for the first year. The annual fee provides you with the many features and benefits associated with your card. We regret, we are unable to credit the fee. '' I feel that Chase either made a mistake with my account and I should be eligible for this promotion and would like the {$95.00} reimbursed. Or that Chase was deceptive in their advertising when it came to this product.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Received a response letter dated XX/XX/18 back from Equifax, stating that the bankruptcy was verified through XXXX and that it is accurate, XXXX has deleted bankruptcy from my account, as well as XXXX. The bankruptcy courts do not report to the credit bureaus, and I also sent documentation of this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
We applied for a mortgage with 21st. mortgage and they would only give us a term on 18 years. And when I asked why, the man said because of your husbands age. He is XXXX years old. I work at a XXXX and we have compliance training every year and to me that is age discrimination. I have heard from our builder that they have had this trouble with them before. I just think someone should hear about this. When I asked the man to put that statement in writing he stopped talking to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: GA

Complaint narrative:
My XXXX XXXX Credit cards are not populating on my Equifax credit report. I have collection items that are paid but are still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
Our mortgage was transferred from our original signatory agency, XXXX XXXX XXXX, XXXX, South Carolina to Lakeview Lone servicing in or around XX/XX/XXXX. I don't have an exact date because we were never informed, sent any information and most importantly no bills were delivered either via traditional mail or electronic means. 

During this time I was XXXX on a detachment with the XXXX XXXX. My wife was at home tending to the bills. After attempting numerous calls, none of which reached an actual person, she was unable to contact the company for well through XX/XX/XXXX. During this time, we also did not receive any paper bills, the first one finally arriving in XX/XX/XXXX. When I returned, we were finally able to get a hold of person ( after multiple days of trying ), and pay our entire overdue balance and the first contact with the company. Despite this, the company still reported to the credit bureau that we missed two mortgage payments. It should also be noted that we were never notified via phone call, text, e-mail or letter that we were in default during this period. They simply reported the missed payments without any notification to us what-so-ever. 

I have never been in default of a payment with any credit agency before or since this interaction with this company. Because of their actions, my credit was negatively impacted enormously, something I have maintained for years. 

I humbly request the assistance of the CFPB to have this blemish removed from my credit report. As a military member, I have to move quite often and this will very negatively affect my interest rates in the future. 

Thank you very much in advance. 

-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 2018-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My XXXX XXXX Credit cards are not populating on my XXXX  credit report. I have collection items that are paid but are still showing on 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 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have hard inquiries on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: MI

Complaint narrative:
I have given documentation from XXXX XXXX  in which is who they are saying they got it from them but I have a freeze on the account due to the fraud as well as a police report and information from the courts as well as it doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have hard inquiries on my credit report that I did not authorize.

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 2018-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I had a XXXX Credit Card for XXXX XXXX. On XX/XX/XXXX I learned that they charged me a finance charge of {$1600.00} on a {$1500.00} debt. I had paid on the debt more than always on time and more than the minimum amount. 
Apparently my 24 months of 0 % APR had expired on XX/XX/XXXX. Thus they charged me interest/finance charge on the original amount. They charged in on XX/XX/XXXX and I spoke to them about it on XX/XX/XXXX and offered to pay the total amount I owed - which was {$1500.00}. 
I escalated the matter to several managers and they told me that I had some wiggle room around the XX/XX/XXXX but because it was outside of 2 - 3 days they could not help me. I ended up paying the full amount. 
I understand that I did not read the fine print as closely as I should have. I also was getting paperless statements. 
I am asking if you can help me out so I can get some of the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation