vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I was contacted on XX/XX/XXXX in regard to my account not being up to date. I was told my XXXX payment did not go through, but I had proof and explained it did go through. Westlake Financial told me to send my statement for XXXX to XXXX XXXX XXXX. No one has responded back to me yet. I called back on XX/XX/XXXX and spoke to XXXX. She had told me the months in question are XXXX, XXXX and XXXX of XXXX. She had told me those payments were retracted by me or my bank. I did not retract those payments and I immediately called my bank who told me they did not request any money to be retracted. I then called Westlake Financial back and was told to speak to a supervisor but every time I called there was never a supervisor available. On XX/XX/XXXX XXXX called me saying I was 100 days late and I was being sent to collections. I had explained to him nothing was put back into my bank account and I was told by Westlake that it just happened on XX/XX/XXXX. Again, I called on XX/XX/XXXX and spoke to XXXX who then told me in order to get this resolved to send my statement to a supervisor. After speaking to XXXX and XXXX  it is clear this has been happening since XX/XX/XXXX. Every payment I have been making has been going to the supposed late or no payments. I was never contacted or received any notice by mail or email regarding my account being behind. XXXX transferred me to her supervisor XXXX XXXX who told me to resend my bank statements to prove the money was pulled from my account. On XX/XX/XXXX I spoke to XXXX who told me she was contacting the accounting dept. I did not receive any response back until XX/XX/XXXX from XXXX which she stated they had found my XX/XX/XXXX payment and they were looking for my XXXX and XX/XX/XXXX payments. I am very frustrated and upset at this point because I have proof it was pulled from my account and nothing was put back in. I have been threatened that Westlake will reposes my vehicle. I have been threatened to be sent to collections. My references are being harassed as well. I keep calling to get updates about my status and Westlake keeps giving me the same answer which is I need keep sending them proof of my statements. I called XX/XX/XXXX to speak to XXXX because she has not contacted me since XX/XX/XXXX. I finally spoke to XXXX another supervisor and she spoke to XXXX who had told her the reason for the delay was because my bank statements looked altered. I was never aware of this new information until today when I called Westlake to make a payment. There was no way that I could have altered my bank statement when I printed it directly from my bank. This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: NY

Complaint narrative:
I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: NY

Complaint narrative:
I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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 VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND THEY PRETENDED TO BE ME AND THEY OPENED FRAUDULENT ACCOUNTS AND CHARGES. I HAVE REACHED OUT TO BOTH COMPANIES AND THEY HAVE NO PROOF TO PROVIDE TO ME WHO HAS OPENED THE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One will not allow me access to my statements claiming my account is " restricted '' and they refuse to satisfy my request because my telephone land line number was changed two months ago and put in my spouse 's name. I can not receive statements in the mail and they refuse to discontinue online access. I have no access to my account at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The bureaus are reporting inaccurate information on my credit report. They are reporting recent lates on my credit file for XXXX and XXXX on student loans on Department of Education. I was never late. I have talked to department of education and fixed it with them. They should not be reporting this on my credit and this needs to be fixed.

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 2020-04-28 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: TX

Complaint narrative:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$2800.00} {$2800.00} ftc violations XXXX  CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: CITIBANK, N.A.
State: RI

Complaint narrative:
I received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX XXXX website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit reports from Transunion and XXXX  and after reviewing my reports I found a number of items on the report that are inaccurate. The account in question is XXXX and please see the information provided from employee XXXX XXXX ( Customer Service Manager ). 

Today on XX/XX/XXXX I spoke with XXXX to discuss my reporting and she advised that the account was closed XX/XX/XXXX. On my Transunion report the date reported is XX/XX/XXXX. In addition, the first date of delinquency was XX/XX/XXXX however, in the payment history for XX/XX/XXXX the account is listed as OK. However, in my XXXX  file, the date of first delinquency is listed as XX/XX/XXXX. Cleary, there is no merit amongst the reportings and you are in clear violation of the FCRA. 

Please send me copies of the documents that you have in your files as of this date that you used to verify ( not validate ) the accuracy of the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified but send me copies of the documents that you have in your files that were used to verify the reportings for XXXX If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed from all three credit reporting agencies.

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 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Trying to use flex rent payments due to covid money loss and Pnc doesnt allow the rent cafe to do withdrawals

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TX

Complaint narrative:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$2800.00} {$2800.00} ftc violations XXXX  CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/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 2020-04-28 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: TX

Complaint narrative:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$2800.00} {$2800.00} ftc violations XXXX  CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/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 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am not able to link my bank account to a third party services like XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AL

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX {$170.00} XXXX XXXX  XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX  XXXX {$360.00} COLLECTIONS XXXX {$1000.00}

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 2020-04-28 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: AL

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX  XXXX {$360.00} COLLECTIONS XXXX {$1000.00}

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 2020-04-28 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. Transworld systems/Inc 51 account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of XXXX  institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX XXXX website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/XXXX '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Nelnet, Inc.
State: GA

Complaint narrative:
The bureaus are reporting inaccurate information on my credit report. They are reporting recent lates on my credit file for XXXX and XXXX on student loans on Department of Education. I was never late. I have talked to department of education and fixed it with them. They should not be reporting this on my credit and this needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The bureaus are reporting inaccurate information on my credit report. They are reporting recent lates on my credit file for XXXX and XXXX on student loans on Department of Education. I was never late. I have talked to department of education and fixed it with them. They should not be reporting this on my credit and this needs to be fixed.

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 2020-04-28 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: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit reports from XXXX   and Equifax and after reviewing my reports I found a number of items on the report that are inaccurate. The account in question is XXXX and please see the information provided from employee XXXX XXXX ( Customer Service Manager ). 

Today on XX/XX/XXXX I spoke with XXXX to discuss my reporting and she advised that the account was closed XX/XX/XXXX. On my Transunion report the date reported is XX/XX/XXXX. In addition, the first date of delinquency was XX/XX/XXXX however, in the payment history for XX/XX/XXXX the account is listed as OK. However, in my Equifax file, the date of first delinquency is listed as XX/XX/XXXX. Cleary, there is no merit amongst the reportings and you are in clear violation of the FCRA. 

Please send me copies of the documents that you have in your files as of this date that you used to verify ( not validate ) the accuracy of the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified but send me copies of the documents that you have in your files that were used to verify the reportings for XXXX If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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:
Experian refuses to remove negative incorrect or fraudulent information off my credit report that does not belong to me. I have tried to dispute to no avail. They are in violation of the FCRA.

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