vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
This morning I was alerted by my credit monitoring service that XXXX XXXX was added to my XXXX report. 


I have no knowledge of this company, My address is registered with the local post office and the IRS. 
Theyve not mailed any notices, alleging any debt owed, they just simply abused the loopholes they have and added this account on my credit report because they know this is the time of year when people typically have more money and are more uneducated to pay. 

I am fully aware of my rights under the FCRA and XXXX XXXX is operating unethically

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
My Bank of America credit card which had not been used in a year and dont even have a card, was charged a yearly fee for AAA , I never received a bill or any attempt to collect, I was charged several late fees. When I checked my credit report, which I check often, I noticed a XXXX day delinquent acct, I called Bank of America and paid the charge and closed the acct, they told me twice over the phone that they were sending a letter to the credit bureau to revoke the missed payment as I was never alerted or given a chance to pay, I have disputed XXXX  with XXXX and they are telling me BOA is claiming the missed payment is correct and experian wont or cant reverse the negative reporting.

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 monetary relief
Consumer complaint received 2022-02-04 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.

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 2022-02-04 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian refuses to provide a XXXX score. There reasoning is that I do not have enough credit ; however, I have XXXX open credit cards that are paid on-time and I currently hold a XXXX score with XXXX and 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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion and XXXX have failed to clear inquiries related to fraud/identity theft on my Credit report that I have reached out to them twice with via certified mail over 30 days ago. I sent out certified mail to both bureaus in the month of XXXX, and XXXX to which they fail to notify me of results regarding my findings as well as refuse to respond to me. According to the FCRA Transunion and XXXX if they can not verify the inquiries where they came from where they have my authorization pertaining to my signature along with me stating authorized approval for these credit pulls they aren't allowed to hold these on my report. I will attach the following documentation that was sent to these bureaus below but it has also been over 30 days since either bureau has responded or got back to me and I am in the process of going for a home loan which this is severely hurting my credit. There has been over 5 unauthorized pulls on both these bureaus off my credit which weren't me I sent documents stating and proving it was identity/theft fraud and both these bureaus fail to get back to me and provide substantial evidence if so that these belong to me. I need the CFPB help in removing these fraudulent inquiries so that I can go for this mortgage loan that I am applying for because not only is it severely hurting my credit there is no factual evidence tying me to these inquiries and it wasn't me.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-04 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: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
Huntington Bank is reporting that my XX/XX/XXXX payment was over 30 days late on my credit bureau report. My monthly payment is due on the XXXX of each month. I made an electronic payment via the phone on XX/XX/XXXX. According to Huntington Bank the payment was reversed due to insufficient funds ( See attached screenshot from Huntington online screen ). I had more than enough funds in my checking to cover the payment which is reflected in the bank statement page I've included. I've confirmed with XXXX XXXX that the funds were there and they show no payments being returned on their end. Huntington Bank made no attempt to contact me to let me know there was an issue with the payment that I processed via phone. I was not made aware that the payment was late until I was working on refinancing my home and it came up on my credit report. I have made several attempts to have Huntington reverse the issue on my credit report and they have declined to admit any errors on their end and as such will not reverse the negative reporting on my credit report. This is the only late payment on my credit report, I have excellent payment history. In addition to this Huntington Bank does not allow you to sign up for automatic payments via their website. They have a process in which you must fax in a form to authorize the payments. I have on 4 separate occasions requested the form and faxed it to Huntington never to have had them process the request. The requests were made on or about the following dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX / XXXX / {$5200.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have an Apple credit card and really like most of its features. 

My problem, however, is that available card payment methods prevent me from paying off my balance. Interest of 10.99 % continues to accrue until their payment processing window opens up again and allows me to make a payment. 

Even then, amounts their systems 'allows ' me to pay are insufficient to pay off the balance. ( Presently, I have a comparatively small balance of under {$300.00} ) When I did internet searches for possible solutions to my problem I discovered that hundreds of people are experiencing the same problem. 

I called XXXX processor, Goldman Sachs, to make a payment over the phone and get rid of the balance that way. But, as reported by many others, they were unable to do the transaction. 

I just want to be able to pay off my balance monthly instead of accruing interest. But apparently this is not what Apple intends- they'd like to force me to continue to pay interest on a balance I'm trying to get rid of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: OH

Complaint narrative:
I have tried to contact these companies and advise they have the wrong person, and nothing happens. 
Below are a list of these companies, this error is keeping me from buying a home. 

1 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} 2 ) XXXX XXXX  Opened XX/XX/XXXX Balance {$590.00} 3 ) XXXX Opened XX/XX/XXXX Amount {$2100.00} 4 ) XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1400.00} 5 ) XXXX XXXX XXXX  XX/XX/XXXX Amount {$550.00} 6 ) XXXX XXXX {$1400.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am a current customer of Rocket Mortgage and have a current Mortgage out on my primary residence and my mortgage is in good standing. Recently I was contacted regarding refinancing solicitation by Rocket Mortgage on XXXX. During this call a representative from the company stated there was a possibility for a new rate and cost savings that they can try to offer through additional refinancing. I expressed that I did not think I would like to refinance as I had refinanced my mortgage with Rocket 1 year prior. The representative redirected my concern and stated that it could be possible to help me save money and it would be a quick check. I stated then that I did not want my credit score affected and did not want a hard pull on my credit but should they be able to tell me available rates I would hear them.

After that the representative submitted a new application for refinancing into my account and did not give my any rate quotes and pulled my credit for a hard pull. I ended up having my credit score then drop XXXX points in a matter of a week. I have reached out to Rocket Mortgage to ask them to look into and also to rectify the situation as this could be considered in my opinion misleading or predatory behavior but my request was denied. Thus I am moving forward with my concern and complaint to CFPB so others do not experience this kind of misleading and poor business practice moving forward. 

Thank you for your time and your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I personally have been calling BSI financial about my XXXX tax that hasn't been paid by my escrow. I keep getting told that they will escalate the information to a supervisor, but it has now went on 3 weeks and my mud tax has still not been paid resulting in a fine. I also told BSI that the amount they have on file was incorrect and I emailed them a copy of the tax statement and updated fees due. If this goes on another month of not being paid it will result in another tax fine from the county. This needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX and Equifax have failed to clear inquiries related to fraud/identity theft on my Credit report that I have reached out to them twice with via certified mail over 30 days ago. I sent out certified mail to both bureaus in the month of XXXX, and XXXX to which they fail to notify me of results regarding my findings as well as refuse to respond to me. According to the FCRA XXXX and Equifax if they can not verify the inquiries where they came from where they have my authorization pertaining to my signature along with me stating authorized approval for these credit pulls they aren't allowed to hold these on my report. I will attach the following documentation that was sent to these bureaus below but it has also been over 30 days since either bureau has responded or got back to me and I am in the process of going for a home loan which this is severely hurting my credit. There has been over 5 unauthorized pulls on both these bureaus off my credit which weren't me I sent documents stating and proving it was identity/theft fraud and both these bureaus fail to get back to me and provide substantial evidence if so that these belong to me. I need the CFPB help in removing these fraudulent inquiries so that I can go for this mortgage loan that I am applying for because not only is it severely hurting my credit there is no factual evidence tying me to these inquiries and it wasn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Hello, I am writing regarding an old item that is reporting on my credit report. 
It is with GM Financial, in todays environment the auto industry is sparse in selection along with inflation stock shortages it is almost impossible to get a reasonable price or loan. Having items on my report that are working against me is creating unhealthy stress. 
I understand that information may be reporting correctly, but quite honestly this is a jail sentence. I am in credit jail! XXXX has made matters much worse and I am handcuffed when I could be reasonably providing for my XXXX kids. 

I am requesting that at the discretion of GM Financial that they choose to no longer report to the XXXX credit reporting agencies and remove any existing information from my report. 

It is with great appreciation that I ask this. This account is so old and I understand the law but I also understand that GM DOES have the option to opt out of continuing to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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:
On XX/XX/2022, Experian received identity theft documents that legally required them to block the reporting of a fraudulent XXXX account. They deleted the account on XX/XX/2022. 
Then on XX/XX/2022, they reinserted the fraudulent XXXX account without providing the required validation documents ( proof of identity of the Original Creditor ), to prove that the account is accurate. In addition, they furnished my credit report without my written consent, which is a violation in itself. 
I spoke to supervisor XXXX today, XX/XX/2022 at XXXX in the afternoon and informed her of the laws they were violating by reinserting without proper evidence and asked her to provide me the proof that XXXX allegedly sent them to verify that the debt was accurate. She was unable or unwilling to comply. 
Experian now has willfully and knowingly violated several of my federally protected consumer rights and I am demanding remedy.

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 2022-02-04 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: VA

Complaint narrative:
I sent the Experian credit bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX {$6600.00} XXXX {$5300.00} 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