vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: PA

Complaint narrative:
This information doesnt belong to me, Ive reached out to the credit bureau multiple times trying to get these items removed, the credit bureau claims that documents were never received. Please refer to documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: PA

Complaint narrative:
This information doesnt belong to me, Ive reached out to the credit bureau multiple times trying to get these items removed, the credit bureau claims that documents were never received. Please refer to documents attached

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. I have reached out to EXPERIAN 4 times now and they tell me that these inquiries are FACTUAL and they never provide proof of how they verified these inquiries to be factual. It is against the law for creditors to run your credit without authorization and this is what I have been trying to tell EXPERIAN but they refuse to delete these inquiries. They need to provide proof of validation for these inquiries or remove them from my credit report because no one has the right to check my credit without consent. Here are the inquiries that are NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau sent me a letter stating these places have a RIGHT to run my credit, but that is not true. By law, they can not run my credit without my authorization. Even with that being said, the credit bureau refuses to remove these unauthorized inquiries. This is my third time trying to resolve this matter. I have filed a complaint with the FTC. FTC report # 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 non-monetary relief
Consumer complaint received 2021-10-20 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan.

2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from XXXX XXXX  but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them. 

3. My loan was closed in XXXX of 2021 and I was not notified until XXXX of 2021. I made a payment via Shellpoint in XX/XX/ 2021 and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. XXXX XXXX has my payments are late 90-119 days in the month of XX/XX/ 2021, however Shellpoint has no information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan.

2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from XXXX XXXX but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them. 

3. My loan was closed in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I made a payment via XXXX in XX/XX/XXXX and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. BSI MTG has my payments are late 90-119 days in the month of XX/XX/XXXX, however XXXX has no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
For two weeks now, I've been telling XXXX that I was going through a Hardship due to me being sick and have asked them for longer time to make payment longer than 1 to 2 weeks and this week I told XXXX that I couldn't make any payments now and told XXXX not to withdraw from my account because it puts it Negative status and I just can't afford it and asked them for Extended Repayment Plans on several occasions but never gotten an answer and today XXXX withdraw funds from my Checking account after I've told them and asked them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received a call from Capital one to confirm application they received from the web. I called them back and they said they wanted to confirm information they received on new credit application. I informed the caller this was not me and she cancelled the application and told me to contact the 3 credit bureaus to place a freeze on my credit report and have the inquiry removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX, XXXX and XXXX have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 



Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Aqua Finance, Inc.
State: MS

Complaint narrative:
12 hard inquiries and collections on my XXXX, XXXX, XXXX credit report that i have no knowledge of, and it was done without my permission, knowledge, or consent these inquiries are ( XXXX XXXX XXXX XX/XX/2020 ) ( The XXXX XXXX XXXX XX/XX/2020 ) ( Bay financial XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) XXXX XXXX is under collections through XXXX XXXX  XXXX XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: SunTx Capital Partners
State: FL

Complaint narrative:
My company purchased two trucks. The loans, titles, contracts, etc. are under the company name. I'm NOT a cosigner. 

They are reporting on my personal credit reports. 

The accounts were closed months ago, and still they are reporting on my credit reports, when they shouldn't even be reporting on my credit reports, because I'm not the account holder. 

The accounts are reporting late, when the loans have NOT been late. Never. 

I've been trying to get it fixed for years. They always tell me that they are gon na fix it. But they never fix it. 

They have sent me emails saying that they will fix it, and they made a mistake, but they never do it.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-20 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: DE

Complaint narrative:
Dear Customer Service : Please be advised that I am disputing the following creditor which has placed the account in collection for XXXX : XXXX XXXX XXXX, XXXX. 
1 XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I report identity fraud in 2019 with the police report, since XXXX has XXXX Management collecting on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX We called to see what it was and they said to sign in with my debit card and wanted my information i put mine card number down on the pin and my zip code and i put it down they couldn't find me at all.I don't know who they are and they wanted my social security number i hung up because i don't give out my personal information out there. I only have one card and that from my bank in Texas I never been to Florida in 5 years it shows it from Florida on 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 non-monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: NC

Complaint narrative:
I sent 2 letters requesting original documents in regards to me allowing them to have my information but instead I keep getting answers that they have validated my debt in which I have nothing received anything in writing. They have provided no paperwork or original instruments stating I owe the debt nor can they provide any signatures in reference to me agreeing that I owe them for any products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am a homeowner who requested forbearance due to COVID circumstances for my rental property. The mortgage is backed by a USDA loan. During the course of the forbearance period I have been in contact with Wells Fargo to continue the extension multiple times and have asked on multiple occasions about the repayment plan after the forbearance ended and on multiple occasions, they have asked a series of questions to determine what type of repayment plans or protections I would qualify for once the forbearance ended and have on multiple occasions advised me that I would qualify for the junior lien as provided under the COVID protection since I have a USDA loan. Now that forbearance ended and I wanted to bring my loan current they all of a sudden advised me that I qualify for no repayment plan and the USDA protection they previously advised me that I would qualify for once placed out of forbearance no longer applies because it is not my primary residence. This was misleading and truly an unfair practice by Wells Fargo, and to tell me that I am not protected under the COVID USDA guidelines I believe are untrue and I should very well be protected under this protections during the pandemic that was there for all homeowners and not just homeowners who are only primary residences.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was scammed for XXXX. Financial institution investigated and denied refund of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2017 and 60 days late for the month of XX/XX/2017. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was recently a victim of identity theft and have reached out to all three credit bureau about aunothrized fraudulent collections appearing under my name. XXXX and XXXX are working with me and have deleted these accounts, however Experian supposedly investigated these collections and have not provided me with any documents from the investigation. The results from my Experian Dispute was " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is 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 there reporting services could fax, mail or email in a fraudulent account. 

I'm requesting that Experian please help me clear these fraudulent account from my credit report have supporting documents from the investigation sent out to me. 

The fraudulent accounts disputed where XXXX XXXX XXXX. 

Thank you, 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 non-monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH XXXX DATA BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE XXXX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE 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 2021-10-20 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: I.C. System, Inc.
State: NC

Complaint narrative:
I initially contacted XXXX on XX/XX/2021 via written communication concerning an item listed in collection for the amount of {$210.00} published on my report by I C Systems. I disputed the item as " questionable '' as I have no idea as to why this is listed on my report. At the time of initial dispute " Affected by natural disaster '' was reflected in the comments. Prior to obtaining a copy of my credit report I had no communication verbal, written or otherwise with the collection agency nor have I recently been affected by a natural disaster. 

The result of that dispute was that the item was " verified '' and the " Affected by natural disaster '' comment was removed. I subsequently submitted a dispute for method of verification on XX/XX/2021. I asked specifically for ALL correspondence and conclusive documentation of my ownership of alleged debt. The response I received on XX/XX/2021 was a general response as to how XXXX conducts its investigations. It is my belief that this item in fact has not been verified and they have failed to comply with my request to properly investigate and delete from my report. 

To date, I have not received any form of response from I C Systems as result of this indirect communication. The item in question is still published to my credit report and the collection agency continued to report while in dispute.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I had received a credit card offer from " PenFed Credit Union '' for the " gold card '' which I considered to applying. Per submission of application for that " pre-approved '' offer, they requested my prior tax returns for 2 years. I first submitted documents on their upload page and never received a confirmation. Many days went by with me hoping they will respond but they never did so i called them instead. The agent i spoke to on XX/XX/XXXX claimed they don't see a single document uploaded. I then, literally while on phone, accessed upload link again and reuploaded documents so that they have the documents as they direct my application. The agent who spoke to me said they would give me a response next day, if not then latest the day after. I submitted them and never received a confirmation email yet again so I decided to take a picture of the " successfully uploaded '' page for personal records. Days went by and i got busy until i decided again to follow up with the credit union. This time i spoke to another agent and she told me the application was rejected because the application was closed and they never received any documentation like before. Absolutely ridiculous! Every agent i ever spoke to had a different statement, their technology is extremely unreliable as they cant even seem to find my application with my name and ssn in first place, let alone any documents. I provided her each individual reference number of each upload ( which she refused ever even took place rudely ) and only then was she able to even pull the documents out. Then she claimed that i was late in uploading documents after saying they never received them when the first agent literally told me they'll respond to me in within 2 days most. This is negligent business practice. Not only was i treated unfairly but i have an credit inquiry on my credit report which cant be erased. I request you to look into their unprofessional approach of client management. The recordings they have of our conversations will speak the truth as well. If you need supporting documentation, I can you provide all those as well as mentioned.

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