vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-04 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: SLM CORPORATION
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
Nissan Motor Acceptance is incorrectly reporting to credit bureau my car loan information. My original balance information I purchased car for in the amount of {$23000.00} with monthly payments due {$330.00}. NAMC also reporting inaccurate information that my account is in deferred status on ongoing basis, regardless the fact that monthly payments were made in XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. When I file request for correction their response is totally irrelevant and instead they are writing response regarding lifetime loan history ( which is irrelevant from my current issue ) but avoiding answer to actual issue which is current payment history from XXXX till XX/XX/XXXX and not being in ongoing deferred status. NAMC had option before when there is beyond control circumstances to take advantage of extension where payment is moved to the end of the loan and I have taken this option while struggled either with natural disaster in XXXX and/or medical illness, they always reported those extensions as current to credit agencies, there was not an issue then at all. As of result of COVID 19 and many Government agencies were under lockdown and my employment experienced hardship, NAMC offered extension for my account for the month of XXXX and XX/XX/XXXX. I did appreciated this help and my account was brought to current status in XX/XX/XXXX and I resumed payments as of XX/XX/XXXX paying out of my packet. In their letter to XXXX is confirmed that those payments were made on time, whatever they failed and continue to report correctly to credit agency XXXX as requested and required according to FCRA act. This is causing me hardship with not only for me to move forward with my contracts but also to obtain any credit ( especially auto loan ). I am trying to rebuild my credit also and its crucial that my account is reported accurately. I request that NAMC report original loan amount of {$23000.00} with monthly payments of {$330.00} with current balance of {$6400.00} as well report current payments from XXXX till XX/XX/XXXX and remove Deferred status as this is not accurate. This is really causing me emotional and financial distress. I am hoping that this time someone will look at this issue and help me resolve it once for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-04 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: MA

Complaint narrative:
XXXX XXXX I paid it on XX/XX/2020, they never send me an email or a letter like they promised. It is still on my credit as bad unpaid, they said it would be off by XX/XX/XXXX th XXXX it is still there. Please help me! I am a XXXX XXXX and I want to buy a house. But this is stopping me. Thank you. Ps now it was send to another creditors First National collection Bureau inc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
On XX/XX/2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XX/XX/2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO! 

I received a letter from XXXX stating this account was bought by XXXX, whom I have never heard of or received any correspondence from. I will definitely be forwarding this complaint to the Georgia Attorney General as this seems fraudulent and scandalous.

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 2020-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIGY USA CORP.
State: GA

Complaint narrative:
On XX/XX/2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XX/XX/2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO! 

I received a letter from XXXX stating this account was bought by Credigy, whom I have never heard of or received any correspondence from. I will definitely be forwarding this complaint to the Georgia Attorney General as this seems fraudulent and scandalous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I was trying to get money out of my digital wallet from Apple and I was sent through an UNWANTED application process for their credit card. I didnt want credit! I just wanted my balance. I knew Id get denied. But really? I just wanted my funds. Someone should look at the process to get to your apple funds. You shouldnt be sent to the card application process when you just have a balance that you want access to. Lets say UDAAP. Lets also say also so many access to funds. Would that include Reg CC?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: DISCOVER BANK
State: TN

Complaint narrative:
I have reached out to the company for proof for the second time, and sending them confirmation I was a victim of Identity theft and there in violation of FDCPA for not providing me evidence of this account. They only sent a statement or bills of this account, no signed contract, or proof that I am opening this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: OR

Complaint narrative:
I submitted a dispute letter with Equifax on XX/XX/XXXX. This letter was NOTARIZED and included my ID and social security card proving who I am. Equifax responded saying they " couldn't locate a file '' in their database with the identification information submitted. So I re-submitted the paperwork and also added a payment letter with my current address. Again, they responded with the EXACT same stall letter continuing to ask for more information. 
There are many items on my credit that do not belong to me and it is unfair to have to continue to jump through hoops to get the proper investigation into something that affects the livelihood of my family, especially during this PANDEMIC. It is disrespectful and can not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi XXXX notified me once again of a reduction of my credit limit due to a company review of my account. Their action brought my account now to within a maxed-out range with credit bureaus. Upon checking my credit reports I did not find anything negative to justify their actions. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of citi Bank action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should go after company such as these for acting a predatory manner especially in the middle of a pandemic. Shame on them! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: NJ

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: NJ

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | XXXX : XX/XX/XXXXAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,

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 2020-10-04 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: CA

Complaint narrative:
submit dispute about correcting name and current address on XX/XX/20 delivered by certified mail delivered on XX/XX/20. Received report back with deleted addresses, until this day addresses that are not deliverable to me by U.S.P.S. are still on my profile. 

Sent a dispute letter on XX/XX/20 received certified mail on XX/XX/20 and still have not heard back from Equifax. And XX/XX/20. 

XXXX, XXXX XXXX was sent the same information on XX/XX/20, XX/XX/20 as well. 

Addresses were still being put on my credit report that was not mine even after I told them I never stayed at the addresses. I was also unable to verify my identity on the phone due to the wrong information in my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have two complaints : when I first recieved this card I was able to have access to my account and routing numbers shortly after retrieving the numbers I misplaced them and can not find them. I called and asked for it again and coincidentally you dont give out that info. You advertised card can be used for direct deposit and we can't. Next the worst complaint is I tried using the card at a casino and couldn't so I called and was mistakenly told we can't use them there, although I have used it at casino shortly there after. Bottom line is you are putting your own restrictions and taking advantage of the situation. Also the account number is ours and legally have the right to have access to it. Please inform me differently

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