vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Ive called and contacted all of the following consumers informing them that the following inquires in my Transunion credit report are unauthorized and not mine as Im not in the market for a vehicle, refinance, or any other product that requires financing terms. I would like them removed. 
XXXX XXXXXXXXXXXX XXXX XXXXt XX/XX/202XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This is update on my ongoing /pending complaint on XX/XX/2021 at XXXXXXXX XXXX - I received a voice message from Ally Executive Customer Relation DeptXXXX  XXXX stating to return her call at XXXX. Call back at XXXX & specifically ask for her. Rep will IM or email to her. 
XX/XX/2021 at XXXX I attempted to return her call and informed Rep about the message left. Spoke with XXXX # XXXX MsXXXX XXXX she transferred to me Different dept. Spoke with XXXX XXXX # DMQ- She transferred to me again & then got disconnected. In otherward, I have not been able to speak with the person who called 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 2021-03-08 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: OH

Complaint narrative:
I submitted letters towards the end of XX/XX/2021 disputing inaccuracies on my report. I have even contacted them and was on hold for hours just to have the call disconnected. It's been well over 30 days and no response. I request for the to delete everything listed in the attached documents due to them violating FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: LA

Complaint narrative:
XXXX XXXX XXXX and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only XXXX XXXX ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-03-08 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: LA

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-03-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi I am currently a working professional who went through a financial hardship while I was in college. During the fall of XXXX I was accumulating credit card debt and was struggling to make some monthly payments. I received 90 day past due email notifications and daily phone calls of my credit card accounts going delinquent from Chase bank of whom I had my credit cards issued from. They suggested that I enroll in a debt repayment/consolidation program through their third party XXXX XXXX to help alleviate the payment burden. I enrolled, and the Chase rep informed me that this will bring your account current as long as I made payments through them. 

From the onset of making the first payment via XXXX XXXX, the late payment notifications stopped both via email and phone calls. I continued to make payments for the next three years ( see attached ) via XXXX XXXX and never missed a payment. A few months ago I ran a credit history report and saw that Chase reported 29 missed payments for the cards that I was enrolled through the program. This shocked me as I was under the impression that I was up to date with paying down my debt. Having these missed payments on my credit report was detrimental to my goal of building back my credit. There was a missed payment that was getting carried over month to month from XX/XX/2017 which was hurting my credit score. I was never notified of this from either Chase or XXXXXXXX XXXX. Per Chase policy " missed payment of 60 days or more Chase will begin physical mail, email, and phone communication notifying consumer of a missed payment. '' I received neither mail, email, or phone notification. In addition to this, the credit report for the missed payments shows 60 days past due for over 2 years which is a glitch/error since a true missed payment would upgrade into 90day-120 day status over that time period. I contacted Chase about this issue and even escalated it to their executive branch. They insisted there was absolutely no fault on their behalf and were not willing to remove the missed payments. I even pointed out that I received no communication from them about my account not being current but my statement was ignored. After the phone call had ended, I magically received an email from Chase for the first time in over 2 years that my credit card payment for that account was past due. This upset me even more but I made the payment to bring the account current. Today I paid off both cards via XXXX XXXX through a lump sum payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
The last series of letters I sent to Ford Credit was sent on XX/XX/XXXX, they did not respond until XX/XX/XXXX ( 32 days ). In this inquiry, I had provided proof saying that they have not emailed statements as they have previously indicated they have. I had asked how they were able to confirm the emails were sent, and in their response on XX/XX/XXXX their response " Ford Credit has confirmed the email notifications were still being sent ... '' This is not a valid method of confirmation or proof. That would be the same as me saying " I confirmed that I have paid this account in full ''. When I made my claim that statements have no been sent, and no notifications have been sent I provide proof by showing the gap in the emails as I own my email server and I can provide PROOF of what emails I have received. I would imagine Ford Credit who is a large company would have this technology or better and can provide ACTUAL proof that the emails were sent, besides just stating such a claim. 

Ford is not taking my claim seriously and I no longer have access to any statements as they have locked my account out. Had statements actually been provided and had I actually had access and notifications of these statements and due dates I would never have been in the rears with my payments. Ford had caused my account to become delinquent and is not correcting these issues or owning up to their errors. While the errors may only hurt me, this allows Ford to profit off me by charging me higher interest for a poor credit score now. This is unjust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They failed to validate and remove inaccurate information on my credit report. I've been disputing the inaccurate information for months on my credit 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 2021-03-08 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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 2021-03-08 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: OH

Complaint narrative:
I submitted letters towards the end of XX/XX/2021 disputing inaccuracies on my report. I have even contacted them and was on hold for hours just to have the call disconnected. It's been well over 30 days and no response. I request for the to delete everything listed in the attached documents due to them violating FCRA laws.

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 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
First federal collection agencys continuing to validate an account that doesnt belong to me despite my request for validation. The company never validated debt to me but continues to validate this account. Im going through paperwork and just notice that other bureaus removed this debt but its still reporting on equifax. Ive attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is a statement by myself, XXXX XXXX in regard to an ongoing issue that I have been having with Capital One. As of XX/XX/2020, I signed up with a debt management company to help me pay off my credit card debt because I have a hardship. All of my creditors accepted the program without any issues, except for Capital One. I worked directly with my credit counselor Faith for over nine months trying to get Capital One to accept the program. The management company submitted over ten proposals to Capital One and every time Capital One would verbally tell Faith and I that send a new proposal and we will approve it, but they never did. Faith and I have called Capital One namouras times in an attempted to understand why the proposal was not getting approved even though we were told it would be. One of the supervisors we spoke with told us the reason it isnt getting approved is that my Capital One account was on an internal program ten years ago! However, I know for a fact this is just not true! I have tried for many years to have Capital One lower my interest rate and was told many times that even though I had good credit they would not lower my interest rate. So, I know for a fact that I was never on an internal program with Capital One. I proceeded to ask the supervisor to show me proof of this program. She said Capital One will pull the paperwork that I supposedly signed ten years ago for this internal program. Seven to ten days go by and Faith and I decided to call Capital One back, we spoke to another supervisor and she told us that Capital One had no record of me being on an internal program however, they still will not put me on the money management program, and she had absolutely no explanation as to why Capital One was still refusing to accept the proposal from the money management company! 
Additionally, thought out this last year regardless of Capital One not approving the program, the money management company has consistently been making my payment to Capital One on my behalf every single month! ( please see attached invoices ) So, even though Capital One has been receiving my payment they have been reporting on my credit that they are not getting paid, which is a flat-out lie! And on top of reporting nonpayment, they have also been charging me almost {$2000.00} in overage and nonpayment fees. And for the month of XXXX, they reported the payment was late a week before the actual due date. I have filled many disputes with credit agencies with no results. 
If any further evidence is needed in order to get this issue resolved please let me know because the money management company has all our calls to Capital One record, and Im sure they will be more than willing to help with this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
Accurate Collection Services XXXX XXXX XXXX XXXX Services : XX/XX/XXXX, XXXX XX/XX/2020 Patient : XXXX XXXX Account XXXX XXXX Amount : {$2800.00} The hospital has accepted our monthly payment {$50.00} for 4 months and now I get a Threatening letter from their Collection Agency above . 
I have no assets or extra money, I am unemployed plus the pandemic, First they agreed and now they are in a rush, I have a number of Creditors after me for the same visit to the hospital & same date, as all that enter the room to say hello now is sending a bill for over {$1000.00} I am struggling not to get evicted and these people hit you at your weakest time & place of despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
I received a notice in the mail today XX/XX/21 even thought the notice is from XX/XX/21 about a debt to XXXX. The amount is for {$590.00} and they were willing to accept {$410.00} to resolve the debt. I checked the company which was Jefferson Capital Systems and the phone numbers did not match. I also checked the account number on their official website and there was no record of the debt. I also checked my XXXX account for transactions over the past 10 years starting from today and there is no transaction of such amount. I have never been sent a letter about this debt prior to the one I received today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: PLANET HOME LENDING, LLC
State: WV

Complaint narrative:
In the year XXXX, I contacted my mortgage company planet home lending about a forebearance program they were giving clients at the time. I signed up for the months of XXXX, XXXX, XXXX and XXXX of XXXX and I sold my house in XXXX of XXXX, paying off the forbearance program on time and also my full mortgage loan. I then caught up on all my finances after a few months and went about to reapply for another home loan since rates were low. I was turned down telling me I had late payments for the months of XXXX, XXXX, XXXX and XXXX from the forebearance time. I called them on XXXX XXXX and they told me they would immediately take action to resolve this issue and remove false information. Well it is XXXX XXXX and they have not resolved this matter, what makes matters worse my credit report also has the month of XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX marked as being late on payments. Again I sold my house on XX/XX/XXXX and all those prior months listed on my credit report that are false and in accurate information from planet home lending. This is preventing me from getting a home!

Company response to consumer: Closed with explanation