vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  contacted me with a credit bureau report about a balance from XX/XX/2001, over 18 years ago. I am aware this is well past the statute of limitations to collect on and as well to report to the bureaus. To have this currently being reported on my credit score is not only incorrect but also a violation of the collection agency to still be reporting and/or collecting on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
The following email sent on the noted date describes the situation. Since sending this email re Loan No. XXXX to the email address given by Specialized Loan Servicing representative I have received no email acknowledgement but have received a delinquency notice dated XX/XX/XXXX eventhough the XXXX payment has been made to SLS. Please see the following : XXXX XXXX <XXXX> Attachments Sat, XX/XX/XXXX, XXXX XXXX  to customer.support at Specialized Loan Servicing Dear Sir or Ma'am : I spoke to a representative there on XX/XX/XXXX and informed him that I just realized that the XXXX Mortgage payment for XXXX XXXX XXXX XXXX FL XXXX was sent to the old servicer XXXX , XXXX ( easy mistake on bank billpay app ). I was informed by your rep that it may have been forwarded to you and that i should send proof of payment to this email addy. Please see attached that proof of payment. I also spoke to XXXX  rep today and was told that the payment was not " processed '' by them and that that meant it was forwarded to you since it has not been returned to my bank. Please acknowledge receipt of this proof of payment and whether the payment was forwarded by XXXX -- XXXX XXXX, XXXX. 
( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, FL 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 2019-11-17 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 — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
ALL CHASE BANK AND MORTGAGE ACCOUNTS ARE BING HELD BY XXXX  XXXX AND CHASE, FROM REPORTING DUPLICATE CHASE HOME FINANCE LLC FOR TRANSPOSING LOAN NUMBERS, WHILE THEY WERE XXXX   XXXX. THE 1099-C FIASCO, AMENDED 2015, FILE ON TAXES. XXXX  AND CHASE ARE LISTED IN OUR BANKRUPTCY XXXX 3RD PARTY CLAIMS ON DEBTORS LIST THE AMOUNT OF OUR CLAIM WAS 1099-C AMT OF XXXX, XXXX AND XXXX  XXXX CLAIM IS VIOLATING THE F.C.R.A 15 U.S.C. Section 1681g and both guilty of violating the DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: WV

Complaint narrative:
On my XXXX, Seccredit has furnished information, re-aging a debt on my credit report. The original creditor was XXXX. They then removed the debt after they resold the debt. The original debt was over $ XXXX but once sold, it was inserted onto my credit report for the amount of {$4500.00}. Upon reviewing my report, my report reflects that i made payments from XX/XX/XXXX which is untrue as the date of last payment is stated for XXXX which is also untrue and is not even in the 180 period from last date of delinquency. They also state that the account status is open. 
On my XX/XX/XXXXand XX/XX/XXXXthe creditor ( same third party agency ) is listed as SecurityCred and states the original creditor, 09 XX/XX/XXXX. They do not show the date of last payment. Theyre not reporting accurate information and are pulling illegal tactics to re-age this debt. This collection is furnished under 625 ( 5 ) A and is using illegal tactics to re-age/furnish this debt hurting me. 
I have disputed with all 3 bureaus. Ive disputed twice with XX/XX/XXXX. I have demanded debt validation from the collection which have been ignored. This will be my last attempt then i will resort to taking this to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have filed multiple complaints about information on my credit report. As of XX/XX/2019, XXXX XXXX is sending me emails sating that a XXXX XXXX account isn't being paid, but I have checked the status and it is saying that it is current. 
I have said multiple times that the primary on that OLD account negotiated a new deal with a dealership in order to obtain a new vehicle. This was all done WITHOUT my knowledge or consent. 
I was told that it is none of my business as to what was negotiated yet I am still being harassed about this said XXXX account. 
My credit score dropped 61 points and according to the credit bureaus, there were no changes to status, which is why I am curious as to why it dropped 61 points out of nowhere. 
All of my accounts are paid and up to date. 
XXXX XXXX has been harassing me constantly, sending emails about raising my credit scores by opening personal loans through them. 
They have also included my home mortgage into my accrued debt which has nothing to do with my car payment or my credit cards and are constantly telling me that if I refinance it will help my scores. 
This is a scam, dropping my credit scores to scare me into opening new credit cards with their help and to obtain personal loans with their help. 
I have documentation showing that no changes were found but my score has dropped. 
This is now becoming harassment. 
I have done nothing but pay my bills on time. 
The credit bureaus are dropping scores for the XXXX of it to see who is XXXX  enough to open up a loan through them and through XXXX XXXX. 
How is any of this legal!!!!???? 
This is

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 2019-11-17 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: NJ

Complaint narrative:
I have filed multiple complaints about information on my credit report. As of XX/XX/2019, XXXX XXXX is sending me emails sating that a XXXX XXXX account isn't being paid, but I have checked the status and it is saying that it is current. 
I have said multiple times that the primary on that OLD account negotiated a new deal with a dealership in order to obtain a new vehicle. This was all done WITHOUT my knowledge or consent. 
I was told that it is none of my business as to what was negotiated yet I am still being harassed about this said XXXX account. 
My credit score dropped 61 points and according to the credit bureaus, there were no changes to status, which is why I am curious as to why it dropped 61 points out of nowhere. 
All of my accounts are paid and up to date. 
XXXX XXXX has been harassing me constantly, sending emails about raising my credit scores by opening personal loans through them. 
They have also included my home mortgage into my accrued debt which has nothing to do with my car payment or my credit cards and are constantly telling me that if I refinance it will help my scores. 
This is a scam, dropping my credit scores to scare me into opening new credit cards with their help and to obtain personal loans with their help. 
I have documentation showing that no changes were found but my score has dropped. 
This is now becoming harassment. 
I have done nothing but pay my bills on time. 
The credit bureaus are dropping scores for the XXXX of it to see who is XXXX  enough to open up a loan through them and through XXXX XXXX. 
How is any of this legal!!!!???? 
This is

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: MO

Complaint narrative:
I have an XXXX XXXX credit card account with a credit limit of XXXX. Normally this accounts resorts to all three major credit bureaus however on or around XXXX 2019 I noticed that Transunion removed my XXXXl XXXX account without my permission. 
The account is still showing on my XXXX and XXXX which is good. 

I contacted Transunion and they couldnt tell me why it was removed and they could not add the account back to my report and to contact the merchant to with I did. 

I contacted XXXX XXXX and they said they are reporting to all three credit bureaus. They told me to contact Transunion. 

No one has helped me with this issue and they both is giving me the run around. 
This has hurted my Transunion credit score like 200 points and I dont know what to do to fix this. 
I need some help please.

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 2019-11-17 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: NY

Complaint narrative:
XXXX XXXX contacted me with a credit bureau report about a balance from XX/XX/XXXX, over 18 years ago. I am aware this is well past the statute of limitations to collect on and as well to report to the bureaus. To have this currently being reported on my credit score is not only incorrect but also a violation of the collection agency to still be reporting and/or collecting on.

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 2019-11-17 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: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports for XX/XX/XXXX and XX/XX/XXXX regarding SouthEast Toyota Finance, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX  via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I have never paid this account late. 
Therefore, I expect all these items will be removed from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After submitting a request to Equifax on XX/XX/2019 to freeze & add fraud alert on my credit profile. As of today XX/XX/2019. The company has yet to respond to my request. This is a violation. 


In addition, XXXX XXXX XXXX XXXX still reports as verified even though the information being reported is inaccurate and a violation of FCRA. 

XXXX XXXX XXXX  XXXX- currently reports a reaged account. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-17 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tate and Kirlin Assoc
State: TN

Complaint narrative:
I XXXX XXXX am a XXXX XXXX XXXX retired woman. I along with my husband are on a fixed social security income. In addition, my husband has been hospitalized most of 2019 and is in a XXXX. I keep receiving invoices from a law firm located in Pennsylvania, claiming that they are trying to collect a debt from a debt buyer known as XXXX XXXX XXXX. The letter also claims that the original creditor was XXXX XXXX XXXX XXXX. I believe that this debt is so old that it can no longer be collected in the state of Tennessee. However, I can not pay this collection, and between my husband 's health and my own personal issues, I request a full history of this debt, including its sale to the debt buyer entity. I request forgiveness of this debt in exchange for a 1099C income against me and my personal income taxes. I simply have no money to pay on this invoice, and I along with my husband are in poor health. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: FL

Complaint narrative:
On XX/XX/XXXX I sent a registered letter to Equifax regarding incorrect information on my credit report still showing. I started this process 1 year ago with other complaints but still receive the standard cut and paste notes sent back to me. None of the information has been verified and I keep getting told to contact the creditor and court myself which I have done and it was cleared on my other 2 reports, XXXX and XXXX. The frustrating part is that this is the same company who leaked my information to the public causing me 4 years of credit watch and people applying for credit under my social security number. I have had to keep my credit file locked and monitored through two companies for over 5 years. I have also had my information access that my government job which I worked for at XXXX XXXX XXXX alerted me and they had to monitor my information so no one tried to access information from my access information with XXXX XXXX. This has been a part time job turned full time with Equifax playing with my life. I am also part of the class action law suit against XXXX, Equifax for leaking my information. I have even received calls from people applying for jobs under my social security information. Luckily these companies and SS did their job by locking my information from being accessed. It seems that Equifax uses a third party entity instead of verifying information themselves. I find that disturbing also letting a third party company have access to my information without my permission. I understand that Equifax works for its companies and not for the consumer but it is frustrating to be a private citizen held hostage by their poor reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: NJ

Complaint narrative:
I got a copy of my credit report and wanted to dispute the unverified accounts. I sent a letter to Transunion disputing the unverified accounts and the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -TransUnion is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. I received a response from Transunion on XX/XX/2019stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to TransUnion on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got a response from TransUnion on XX/XX/2019 stating that all accounts were accurate and verified but they did not send any proof. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I sent a third letter on XX/XX/2019 requesting that they immediately delete the disputed information from my credit report. I got a response on XX/XX/2019 from TransUnion stating the same thing. Is like they did not even take my dispute seriously. They sent no proof but are stating the items are reporting accurately. Feeling extremely frustrated I sent out my fourth letter to TransUnion on XX/XX/2019 disputing the unverified accounts and the bankruptcies listed on credit report. I got a response from TransUnion on XX/XX/2019 stating that all accounts were verified and are accurate.. I am now filing a complaint because TransUnion should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately. Please delete all unverified accounts, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Chapter XXXX Bankruptcy

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 2019-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I XXXX XXXX am a XXXX year old retired woman. I along with my husband are on a fixed social security income. In addition, my husband has been hospitalized most of 2019 and is in a XXXX. I keep receiving invoices from a law firm located in Pennsylvania, claiming that they are trying to collect a debt from a debt buyer known as LVNV Funding LLC. The letter also claims that the original creditor was XXXX XXXX XXXX  XXXX. I believe that this debt is so old that it can no longer be collected in the state of Tennessee. However, I can not pay this collection, and between my husband 's health and my own personal issues, I request a full history of this debt, including its sale to the debt buyer entity. I request forgiveness of this debt in exchange for a 1099C income against me and my personal income taxes. I simply have no money to pay on this invoice, and I along with my husband are in poor health. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX and apex asset management XXXX PA XXXX XXXX XXXX XXXX PA service XX/XX/19 Balance of bill in the amount of {$110.00} was paid in full and deducted from my checking account on XX/XX/19 I was in the hospital XX/XX/19 staring receiving bills in XXXX original amount was over {$280.00}. 
I called XXXX XXXX XXXX explained I had many bills from co pays and coinsurance and was paying all of them something each month, explained i would make payments which i did starting in XXXX we are talking two months here. I made payments resulting in the {$110.00} balance in XXXX .even though I was making consistent payments and contacted their office they still sent my balance of XXXX to Apex Collections, ( not fast enough for them!!! ) NOTE I paid the balance to XXXX of XXXX prior to receiving any notice from Apex. I contacted APEX-XX/XX/XXXX they say neglected to update the records and now i need to send proof. To me this situation is unjust and undo and unnecessary harassment. XXXX received payment and should rectify this matter!

Company response to consumer: Closed with explanation