vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 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 filed a complaint with the consumer financial protection bureau about equifax and equifax has not removed the inquiries I had ask to be removed because I did not have my credit ran for these 27 inquiries to be on my credit report, here are all the inquiries I dont recognize on my credit report I took screen shots from equifax site, Im tired of filing a complaint and equifax does not want to reach out to the consumer and fix this matter so Im filing another complaint also in addition I did take a screen shot of one of there products that states it gives all three scores from equifax, XXXX, XXXX  for XXXX thats not the case I bought a product for XXXX and had to turn around and purchase XXXX to see the other XXXX XXXX, XXXX, but my main focus is the 27 inquiries in my credit report that I do not recognize I want them off my credit report, it is my right to dispute any and all inaccurate information on my credit report, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, these are the inquiries equifax has failed to remove .i I did not make these inquiries I want them removed off my credit, like I said under the fair credit reporting act anything I dont recognize and its incorrect on my report I can dispute this information I want these removed off my report, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I am a victim of Sanatander and there predatory lending and illegal tactics to sell cars. I bought my wife a car from a dealer in XXXX. Me not knowing much about the car buying process and finances I feel Sanatander saw that as a weakness and exploited it. We bought a XXXX XXXX XXXX and the payment was {$440.00} a month. At this time I only made around {$15.00} an hour working XXXX to XXXX hours a week. Santander set me up for failure knowing it would be difficult for me to pay for that car. In XXXX I lost my job and couldnt pay for and it was repo. At this time i still owe around XXXX on it. I am still dealing with the effects to my credit from that car and dealings with Santander. I read they have a class action lawsuit for predetory lending and discriminating against XXXX XXXX  and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have three inquiries from XXXX XXXX over the course of just 4 days, I do not remember giving authorization to this lender to do a hard pull.

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 2020-08-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA Federal has two inquiries on my credit report that I do not recall giving authorization too. 

XX/XX/2019 and XX/XX/2019 XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
COMMONWEALTH FINANCIALS hit my credit with something that is not mine they claim I went to the hospital in XXXX XXXX when I havent I have insurance with my job & I havent gone to the hospital this is fraud i was never aware of this charge. Nor who is using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For the past six months or more, whenever I attempt to file a dispute through the links provided within my Experian account, I receive an error message. 

Although, the error page suggest that I call into Experian for assistance, due to the Coronavirus situation, the wait times to get through to an agent can be lengthy. Also, many consumers like myself, tend to perform on-line errands during the weekend, and during the evenings. Unfortunately, the Experian customer service phone lines are not open during those hours and are limited to regular business hours when most people are working or in school and don't have the time to sit on hold for a 1/2 hour before receiving help.

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 2020-08-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX has two inquiries on my credit report that I do not recall giving authorization too. 

XX/XX/2019 and XX/XX/2019 XX/XX/2019

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Back on XX/XX/XXXX I challenged a XXXX XXXX  account with XXXX, Equifax, XXXX, and with XXXX XXXX directly. This account is really old and should not be there anymore. It is months later now and I have not received any correspondence. So I decided to check my monitoring sites and the account doesn't even show that it's disputed. These companies have fully ignored my request to have this old account removed and it is simply unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Continental Finance Company, LLC
State: AR

Complaint narrative:
I APPLIED FOR THE XXXX XXXX REF XXXX AND WAS FORCED TO USE XXXX  AGAINST MY WILL. AND XXXX  AND CREDITOR BLOCK 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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I got a loan from my bank for a vehicle and my bank merged with another bank and my Experian account shows that I have a closed account and a open account for the same loan

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 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WorldRemit Corp.

Complaint narrative:
XXXX World Remit withdrew {$1200.00} XXXX cop from my account at XXXX XXXX for transfer to XXXX XXXX  XXXX. 

World Remit transfered {$1100.00} XXXX cop World Remit DID NOT ransfer the proper amt of money. 

I have contacted them by telephone and rec { d a case #. I have tried to contact by e mail and get only a computer response, not a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC
State: FL

Complaint narrative:
This company is sharing information as a collection tactic with family and friends, my biggest worry is how they have obtained the private cell phone number of my family and friends.They are sending tex messages. WE have reffered them to our company attorney and they continue sending text messages to my family and friends along with multiple threatning calls a day. I am XXXX years old and this harrasment and defamation is hurting my health. We have already provided our attorneys information yet they persist with this harrasment on a daily basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
BB & T has been reporting our mortgage payment for XX/XX/XXXX past due 30 days. The account was placed in COVID-19 forbearance on XX/XX/XXXX. The loan actually paid in full on XX/XX/XXXX, the wire was sent on XX/XX/XXXX. We have never had a late payment before and was reluctant to ask for the forbearance but we were assured there would be no repercussions or negative impact to our credit. XXXX, XXXX, and XXXX   need to have this late payment removed for both XXXX and XXXX XXXX as the mortgage was a joint account.

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I received a call from Oliphant Financial , LLC XXXX OFL XXXX, a debt purchaser and third-party collection agency based in Florida. The caller identified herself as a XXXX and she stated she was trying to collect a debt. XXXX begin to read a script and she asked me how I would like to pay the debt. I told her that the debt was not mine and not to call me again. She asked me why did I answer my phone if it wasn't my debt, I told her because she called my phone and I have a right to answer my phone. I again asked her not to call me and XXXX stated she will call me again. I called the number back XXXX and I believe she answered and confirmed she indeed worked for Oliphant Financial. I never had a credit card with XXXX, the only contact I have had with XXXX was a recent credit card application I submitted and as of XX/XX/2020, I have not heard if I was approved or denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This account was closed without my knowledge.I did not want it closed. I now have been notified that my limit on the card increased from {$1200.00} to now {$1700.00} which it was originally and is now open on my XXXX  report. I have attached photos of what I see.

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I disputed my credit report with Equifax and included XXXX   XXXX  in the initial dispute. Letting them know that I am no longer liable for that account due to litigation and a judgement being entered against the company that they must remove their tradeline from my credit. Equifax did not investigate as per fcra regulations. As the item somehow came back verified. I then again requested a reinvestigation on XX/XX/XXXX because not only was the tradeline removed from my XXXX  report but some reason it came back updated and verified with Equifax that I made two on-time payments in XXXX and XXXX of XXXX and the account has been charged off as of XX/XX/XXXX and became defaulted in XXXX of XXXX. That investigation was closed out for XX/XX/XXXX without further reinvestigation per fcra. XXXX XXXX XXXX is in violation of court orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Apparently I am all of a sudden a high risk to them and they have closed two accounts. I havd value pays coming up, so I had to pay for previous items myself. Now my monthly payment has doubled, which is an amount I can not pay. This has started a snowball effect to other crediters, my credit limits are starting to be lowered. in some instances I have items backordered since last XXXX, now I will not be able to pay for them. I XXXX XXXX XXXX XXXX at the end of XXXX, and have been inundated with medical bills. Two weeks ago I XXXX XXXX XXXX. Minimum payments are all I can do right 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 2020-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I recently received my latest Annual Escrow Statement account for XXXX. The statement shows a shortage of {$3600.00}. This shortage results in my mortgage payment increasing from {$1400.00} to {$1800.00}. This increases my monthly mortgage payment by {$490.00}. This increase will cause significant financial hardship for some time to come, for an error I did not commit. 

Since my refinancing in XXXX below are the Annual Escrow Statements by year and the shortage amount : XX/XX/XXXX {$760.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$810.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$3600.00} Property and school tax increase are limited by law to 2 %. The Hazard insurance increased by 10 %. from XXXX to XXXX. The significant Escrow shortage is not due to my taxes or insurance increasing. 

Conducting a research of School tax Payment, the following faults are identified. The XXXX School tax payment for {$2000.00} was made on XX/XX/XXXX. The XXXX School tax should have been paid in XX/XX/XXXX. However, the XXXX School tax {$2100.00}, was paid late on XX/XX/XXXX. The XXXX School Tax payment was due in XX/XX/XXXX. The late XXXX Tax payment resulted in using misappropriated Escrow funds from the wrong year.

This late tax payment is the primary reason the Escrow shortage amount is so significant. 

Since the inception of this mortgage I have not missed any payments, nor have I been late. As a Federal Government employee, I have endured two federal government shutdowns where I was not paid. Yet, I met my financial requirements to US Bank. My credit score is above XXXX points and have worked diligently to maintain that score. 

As stipulated in section 3 of the mortgage document I request that I no longer be required to maintain an Escrow Account, and I pay all taxes to appropriate offices.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Back on XX/XX/XXXX I challenged a XXXX Strong account with XXXX, XXXX, TransUnion, and with XXXX XXXX directly. This account is really old and should not be there anymore. It is months later now and I have not received any correspondence. So I decided to check my monitoring sites and the account doesn't even show that it's disputed. These companies have fully ignored my request to have this old account removed and it is simply unacceptable.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Back on XX/XX/XXXX I challenged a XXXX XXXX  account with Experian, XXXX, XXXX, and with XXXX XXXX directly. This account is really old and should not be there anymore. It is months later now and I have not received any correspondence. So I decided to check my monitoring sites and the account doesn't even show that it's disputed. These companies have fully ignored my request to have this old account removed and it is simply unacceptable.

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 2020-08-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I disputed my credit report with XXXX  and included santander consumer in the initial dispute. Letting them know that I am no longer liable for that account due to litigation and a judgement being entered against the company that they must remove their tradeline from my credit. XXXX  did not investigate as per fcra regulations. As the item somehow came back verified. I then again requested a reinvestigation on XX/XX/XXXX because not only was the tradeline removed from my XXXX  report but some reason it came back updated and verified with XXXX  that I made two on-time payments in XXXX and XXXX of XXXX and the account has been charged off as of XX/XX/XXXX and became defaulted in XXXX of XXXX. That investigation was closed out for XX/XX/XXXX without further reinvestigation per fcra. XXXX XXXX XXXX is in violation of court orders.

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