vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LendingUSA
State: FL

Complaint narrative:
On XX/XX/2019 Lending USA agreed to a settlement for a debt in the amount of {$6700.00}. They agree to debit my account XXXX on record from the XXXX XXXX XXXX XXXX. According the document supplied from XXXX XXXX XXXX XXXX they never attempted to withdraw funds on any of the dates according the agreement they prepared and agreed too. I recently found out the account was sold to XXXX XXXX XXXX , XXXX for {$19000.00} and it's being collected on their behalf from XXXX XXXX XXXX of Colorado. Now both Lending USA and XXXX XXXX XXXX , XXXX are reporting me to all three credit bureaus in the amount of {$19000.00}. As a consumer both companies are trying to take advantage of me on behalf of the lender XXXX XXXX XXXX. I want this remove from all three credit reporting agencies and to consider this debt satisfied because I kept my agreement but the collection debt holders broke the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I bought insurance for only one driver from the XXXX XXXX   but have found a cheaper price from another insurance company. 

I soon as I cancel my insurance, I was told that I still owe around {$300.00} because additional drivers were added to my policy without my knowledge or authorization. 

They have no right to add another licensed driver who doesnt live in my place. The point is, they have no right to list two drivers just because they thought they live in my house. 

After contacting the XXXX XXXX, I was told that their system shows that they might be additional people live on my place, they thought it was my uncle and grandfather so they needed to add them without my knowledge or permission, I told them that my grandfather and uncle never lived in my place. They have their own houses plus my grandpa doesnt even have a driver license he is too old and turned it in for state ID replacement. 

I was also told by the agent who sold me a policy that it was a mistake possibly based on information XXXX XXXX had from an old insurance policy which was under my grandpa and uncle name and I was an additional driver, but that policy was canceled and done a while ago. Also, the agent who sold me the policy has told me that I didnt owe anything, but recently I found out that they have reported the wrong information on my credit history. 

I have the right to have their dispute investigated. The XXXX XXXX company is dishonest insurance agents and fraud consumers by adding drivers without the owner of the policy authorization. For that, I needed to pay extra insurance payments. They have no right to put collection on my credit. The XXXX   XXXX  company was done was illegal activity for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: TX

Complaint narrative:
My credit reports have all incorrect, Fraud, Items- 17 late payments, not correct I have proof Generations states I was late in XXXX, when payment was drafted from my account, I was never late on any of my Payments. I also have Status Bankruptcy Status for Ch XXXX, CH XXXX, I have documents to upload to support this. I also have a XXXX XXXX XXXX Repo, I have a signed Contract for XX/XX/XXXX, and they have a signed Contract for XX/XX/XXXX, not correct I have been harassed by them, as They failed to send me the Original Contract which includes 2yr Warranty, Gap, They have a Contract that does not have, OCCC investigated, which stated a 2yr Warranty Contract, After the OCCc investigation, I began to get delinquent emails, when I contacted them, they stated due date was Due on the 6th of every Month instead of 22nd, I had no choice but to Pay on the 6th, and I only was given 1yr, but charged for 2yr warranty. I was still being reported late even after paying on their terms. I submitted the Police report Fraud to XXXX  XXXX  explaining I did not sign and not my signature, got Affidavit from Bank and Police Report and it was still denied. I had asked them to pick up the Vehicle as they never did. I am submitting proof of on time Payments and Legal Support Documents. I have made several Complaints, but have been unsucessful. A Repossesion, late payments, and a Bankruptcy is reading on my reports. I have had Monitoring Services for years, and it has not helped, as I have several unknown Inquires, I also asked for The Credit Bureas to Verify Negative Info with me, Prior to Placing. Just as they ask for proof of Identy to investigate they need to do the same for Third Parties. Please Have Transunion and XXXX  Fix these Errors. They have Continued to Report Items as Verified, which is Not Correct.

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 2020-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX we found we were unable to make transactions in or out or our checking and savings accounts. 
We attempted to visit local Citibank branches in XXXX but found they were closed first due to the covid virus and then due to the protests and demonstrations that began across the country. 
We called Citibank XXXX and spoke with XXXX on XX/XX/XXXX. 
We were told the bank was in the process of closing our accounts and they were therefore blocked. 
We were not given a reason why. 
We were given case number XXXX  
We were told Citibank is unable to give a specific date when our funds will be released but that it is never more than 30 days from when they are initially blocked. 
We are now close to the 30 day time period and when we contacted Citibank again they still do not give us a specific date as to release of funds. 


We would like to be given a specific date as to when these funds will be available. 
We need these funds for essentials like housing payment, health insurance, groceries, prescription refills, etc. 
We would like to know by what method we will receive these funds.

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 2020-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC

Complaint narrative:
Used intimidation tactics and threats. Called me and my family members multiple times trying to discuss my debt. Used multiple numbers and called private multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2020 I submitted a complaint about Experian stating that they verified a public record on my credit report through a third party company XXXX XXXX. They closed the complaint out stating that I did not make this complaint myself. They sent me a letter on XX/XX/2020 that they verified the public record again through the same company. This is not possible due to the company sending me a copy of their investigation, that they could not verify such record and therefor had to delete it from their system. I want Experian to delete this record from my credit profile since they did not do a proper investigation and violated the FCRA. 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 public record 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 2020-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
capital one notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The STATE AL XXXX CHILD SUPPORT XXXX, AL XXXX. At XXXX. Shows up on my Equifax credit report with inaccurate and outdated information. The account was opened in XXXX this is correct.. The account type is OTHER I have no idea what this means. The activity designator is PAID_AND_CLOSED. The balance is correct XXXX. There's a check mark for paid on time the Equifax report shows 120 days late for XX/XX/XXXX, and no where else, going back 7 years up till present XXXX. Date of First Delinquency is XX/XX/XXXX this is incorrect. Date Closed XX/XX/XXXX this is incorrect the account should've been removed. Actual Payment Amount. Date of Last Payment. Date of Last Activity. Are all blank. It all contradicts. I was pre-approved for a mortgage and Equifax reports Serious Delinquency. Time since Delinquency is too recent or unknown. Number of accounts with delinquency. I have'nt missed a payment on anything in the last 7 years of this report. I've filed two disputes with Equifax and each time the report becomes more bizarre and is adversely affecting my credit score. Confirmation Number : XXXX submitted XXXX and showing closed. Confirmation Number : XXXX submitted XXXX and showing closed. Lastly it shows in comments as a collection account, Equifax added that. If anything its a chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
MY COMPAINT IS WITH XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. FOR WRONG REPORTING OF INFORAMTION. I PULLED MY CREDIT REPORT AND FOUND XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX GA XXXX. IS REPORTING XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX. ACCORDING TO XXXX XXXX THIS ACCOUNT LAST REPORTED IN XX/XX/XXXX. THAT NOT TRUE I STILL OWN THE CAR I MAKE MONTHLY PAYMENT ON CAR TO XXXX FOR {$400.00} A MONTH. ALSO THE REPORT AS OF XX/XX/XXXX IS REPORTING BALANCE WRONG {$12000.00}. THE LAST ACTIVITY OF XXXX XXXX THAT REPORTING WRONG.. THE HAVE ON THERE 48 MONTHS THAT WRONG. 30 DAYS WRONG 60 DAY REPORTING WRONG AND 90 DAY REPORTING IS WRONG. IS SHOWING 48 MONTHS THAT NOT TURE IS A 79 MONTH LOAN. THE REFUSE TO REMOVE THIS INFORAMTION. I SENT OVER DOCUMENT OVER TO CREDIT BUREAU THE WILL NOT REMOVE REPORTING. THE STATE THAT THE MAKE SURE CREDIT REPORT IS ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
40 calls one after the other. I am an XXXX year old lady who graduated from high school 1954. This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-06-17 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-06-17 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested my free annual credit report from Equifax on XX/XX/2020 and the company has refused to provide it online, referring me to a written request. Subsequently my written request was not honored, since Equifax sent absurd, abusive, and inappropriate " identity verification '' demands to me in a refusal letter. 
Equifax is demanding narrow proofs that are likely not to be obtainable by many reasonable persons, including demands for pay stubs when I have not worked for an employer who provides pay stubs for six months and my employer has not provided pay stubs for past work, a demand for a lease or bills in my name when none of these are in my name as I, like millions of people, am a renter from someone else, and a demand for a driver 's license ( my driver 's license shows another address from what they have on file ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I terminated my lease with XXXX XXXX XXXX in XX/XX/XXXX. I gave notice of the termination in XX/XX/XXXX. I did everything I needed to do to terminate my lease. I gave a notice and signed a termination of lease document. I went to XXXX XXXX XXXX  on XX/XX/XXXX to get a copy of the termination of lease document, to send to the credit bureaus. However, I wasnt able to get a copy of the document because I was told by the regional manager that he couldnt find my file and I would have to wait till further notice. I have documents proving that I paid the final two months that I was at the XXXX XXXX XXXX  and the final statement for the light bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CA

Complaint narrative:
I'VE CONTACTED EXPERIAN NUMEROUS TIMES IN REGARDS TO A FRAUDULENT ACCOUNT THAT IVE NOTICED RECENTLY. I TOOK THE APPROPRIATE STEPS AS DIRECTED BY LOCAL LAW ENFORCEMENT TO CONTACT FTC IDENTITYTHEFT.GOV SINCE THIS WAS RELATED TO AN ONLINE MATTER. THAT WAS EXACTLY WHAT I HAD DONE, AND I HAD CONTACTED EXPERIAN MANY TIMES NOTIFYING THEM THAT MY IDENTITY HAD BEEN COMPROMISED. THEY NOT ONLY IGNORED MY REQUESTS, BUT CONTINUES TO LEAVE THAT FRAUDULENT ACCOUNT UNDER MY NAME, WHICH IS RUINING MY CREDIT AND PREVENTING ME FROM OBTAINING A VEHICLE LOAN THAT I REALLY NEEDED DURING THE COVID19 HARDSHIPS TO LOOK FOR A NEW JOB. I BELIEVE WHAT EXPERIAN IS DOING IS ILLEGAL UNDER THE FAIR CREDIT REPORT ACT. I WILL PURSUE THIS TO THE FULLEST EXTENT OF LAW IF THIS MATTER DOES NOT GET RESOLVED IMMEDIATELY.

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 2020-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Business Factors
State: WA

Complaint narrative:
National business Factors in XXXX XXXX Nevada has two medical collections accounts for me from a hospital visit. It was sent to collections in 2018. Every month they add a dollar or more interest to each collection account. One being XXXX and one being XXXX. It is not in the original contract with the hospital to charge monthly interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: NY

Complaint narrative:
I was reviewing my credit report and noticed the credit bureau is reporting incorrect info, it shows I have 2 late payments accounts which is incorrect. When I try to click to see accounts nothing shows up. I have NEVER been late on any of my accounts.

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