vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened two accounts with XXXX XXXX, a Private Account of {$2000.00}, and a Store Account of {$2500.00}, in XXXX of XXXX. I noticed right away that I started having problems with them saying that they did not receive my payment in XXXX for the store account. And after I made a duplicate payment and called them the next day, they had both payments, but had charged me a late fee. I did not notice at the time but they had started reversing my payments even back then just to charge these fees. I had six months free of interest on the Private and a year interest free on the Store account. They charged interest on the Store account at six months, and I paid that and then they charged the other Private account the next month. On the store account, a fraudulent charge of {$75.00} was charged to my bank account by XXXX on XX/XX/XXXX, without my permission. There should have only been two {$75.00} payments for XXXX. I had my bank to investigate it and they found that XXXX did in fact make an unauthorized charge to my back account. At this point, I'd had enough and decided that I would pay the accounts off as soon as possible. So on XXXX XXXX I went into the store to pay the account off. I spoke with the manager at the XXXX XXXX location. He handled the processing of the final payment after calling into the accounts office to ensure that he got the correct balance on the Store account. He told me the full balance was {$1700.00} in which I paid in full, by giving him {$1800.00} cash. I also paid the Private account off on XXXX XXXX in the amount of {$770.00}. However XXXX went back and reversed that payment the same day it seems to try and charge me a late fee of {$42.00}. I then talked to my back and they suggested that I send a Cashier 's check in which I did. I am continuously getting bills from them saying that I owe them money. The latest bill has a New balance of {$100.00}, with a minimal payment of {$37.00}, due XX/XX/XXXX. These people have defrauded me out of hundreds of dollars and I am not going to pay a penny more. I want these accounts closed and I wan the to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Service Finance Holdings, LLC
State: MO

Complaint narrative:
I had new windows installed by XXXX XXXX in XX/XX/XXXX of XXXX. They did not complete the job as they had made an error and were coming back to fix it. The finance company, XXXX XXXX insisted to pay them even though the job was not complete. The representative from XXXX XXXX said she had to put it through and pay the company even though the job was not complete which i disagreed. She also told me the payment would be due XX/XX/XXXX ( paperwork states XX/XX/XXXX ). I paid off the loan of {$8500.00} on XX/XX/XXXX with assurances from XXXX XXXX that the job would be completed. XXXX XXXX is now trying to charge me additional interest on interest of about {$50.00} saying the interest started when they paid XXXX XXXX on XX/XX/XXXX. I disagree since the job was not complete and that is why I am filing this complaint against them. 
When I signed the work order I noted that the work was not complete, yet the rep from XXXX XXXX demanded that they pay XXXX XXXX. 
This is a finance company scam to milk dollars from unsuspecting clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I filed a dispute and they said it would take until XX/XX/XXXX to get an answer on that dispute when legally I should have never had to wait for the provisional credit it should be immediate. Also I am still waiting on two deposits that I deposited into Credit Karma from XXXX XXXX one was for XXXX the other was for XXXX XXXX both were illegally withdrawn and they never turned back up in the XXXX XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: FL

Complaint narrative:
XXXX XXXX Is incorrectly reporting balances that do not have with them.

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 2022-06-27 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: FL

Complaint narrative:
XXXX XXXX Is incorrectly reporting balances that do not have with them.

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 2022-06-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I co-signed a lease for a XXXX XXXX for my son who is XXXX XXXX military. XXXX years later, while my son was driving, the vehicles brakes malfunctioned which caused a total loss to the vehicle. GM financial leasing accepted payment of {$14000.00} as of XX/XX/XXXX and agreed to release lien and title. On XX/XX/XXXX I received a call from GM Financial Leasing attempting to extort monies for the vehicle claiming the mileage was over allowed mileage at XXXX. GM Financial then immediately reported to the credit bureau that I was XXXX days late on payments and I owed them in excess of $ XXXX for the totaled vehicle. This information is incorrect and I sent proof that the actual mileage on the vehicle was XXXX which is well below the allowance. GM has not resolved this issue or made a correction to my credit report. I am requesting that my credit be restored and that GM stop their malicious extortion attempts to collect for a vehicle for which they were already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
I entered into a fraudulent contract XXXX XXXX XXXX XXXX, who had a an agent clearly and conspicuously transferred the unpaid loan to American credit acceptance, to whom I dont have a complete 2 wet binding signature contract with making the original agreement null a void. Please see attached affidavit for evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I settled a private student loan debt with Convergent Outsourcing, and I set up a plan with an agent to have money auto drafted from my bank account monthly until the debt is paid. I have them the initial ( approximately ) {$5000.00}, and around {$420.00} is supposed to come out on the XXXX of each month. The XXXX came and went in XXXX, and nothing was taken out. I tried calling multiple numbers associated with that company, and I keep getting the same automated message every time I call. It says to call back later. 

I just got out of XXXX XXXXXXXX, and Im trying to build my credit back up. Im afraid they are going to claim that I didnt pay and take me off the settlement. Ive called multiple times since Thursday the XXXX. I dont know what to do.

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 2022-06-27 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: PA

Complaint narrative:
I filed A XXXX  XXXX Bankruptcy back on the XXXX of XX/XX/2020 due to hard times In my personal life. I contacted The XXXX credit reporting agencies after seeing My credit consumer report still reporting as tho if Never filed. This has been going on for over 2 years. Since then it has caused me and my opportunities to receive loans to help me rebuild my credit consumer profile. The same went for disputing inquiries that I did not authorize. 

Transunion or XXXX has yet to fix my Credit report resulting in more hardships when trying to apply for new credit to help re established my credit after My bankruptcies discharge.

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 2022-06-27 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: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ladera Lending, Inc
State: WA

Complaint narrative:
On XX/XX/2022, I was contacted via telephone by Ladera Lending of XXXX XXXX, CA regarding mortgage refinancing options. The agent took some general information about myself and the property in question. 

The agent asked if he could review some of my financial information which I agreed to. He did not request authorization to access my credit report. At no time during the conversation or my initial request for contact did I provide my social security number. When he asked if he could review some of my financial information I assumed it was the same information that lenders receive from the credit bureaus that help them market their products. That is general information such as general credit worthiness. It is not a person 's full credit report. 

While I was on the phone with the Ladera agent, I received notification from XXXX that Ladera had made a hard inquiry and received my full credit report. I did not authorize this hard inquiry. 

Since I did not disclose my social security number to Ladera, it appears that they fraudulently had my social security number in their possession and used it to access my full credit report without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I received a letter informing me of a medical debt I owed. I called Remex Inc and explained I could not afford the debt. I made a partial payment and was told ( on a recorded line ) that I would receive a phone call/s when the next payment would be do. I did not set up an automatic payment because I was afraid I wouldn't have the money available. A representative, on XX/XX/2022 said there was a phone call made on XX/XX/2022 at XXXX, however there is no record of that call or voicemail received. This debt is now on my credit report after I have shown that I am attempting to, and have paid some of this debt. I asked for a statement saying that the debt will be taken off my credit report, but I was told it's company policy that a letter will not be sent out. I was already lied to over the phone, and lied to about receiving a call, so I do not trust that the debt will be removed form my credit report.

Company response to consumer: Closed with explanation