vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: NJ

Complaint narrative:
i did not consent to authorize the following inquiries nor do i have an account with the listed persons.

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 2021-10-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
i did not consent to authorize the following inquiries nor do i have an account with the listed persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: IN

Complaint narrative:
I have sent letters to each XXXX, XXXX, and Equifax on five different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
Convergent outsourcing have open a fraud account on my XXXX  report. I didnt open a acount on XX/XX/2020. Report that i owe them XXXX. I do not owe covergent. I ask the conpany on XX/XX/2020 on a letter prove me or send prove of the debt. The company have not provide me verification or validation of debt. Not provide the original contract with all the payment history from the purchase to the defaut date. The account in XXXX  is inacurated report remark confusion it have like 5 different remark and a 1 month term for fact i know that cell phone company only 24 month term or prepaid. And the account is only in the XXXX  thats a violation to my right to have a 100 % accurated credit report on all the credit burue.

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 2021-10-06 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:
I am writing to dispute these accounts XXXX XXXX XXXX fraudulently opened in my name. also, XXXX and XXXX inquiries. I am a victim of identity theft. Please provide proof of claim with evidence that these companies have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX XXXX XXXX XXXXXXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to XXXX, XXXX XXXX XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX XXXX XXXX  XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.

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 2021-10-06 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: NJ

Complaint narrative:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information

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 2021-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
Outstanding loan amount was XXXX back in XX/XX/2016, same loan now has a balance of XXXX to paid in full to payoff loan and avoid foreclosure. The loan is with bsi they have on my statement unpaid post petition amount of XXXX I have been asking to provide explanation of fees and the escrow balances are completely not correct. This loan has been transferred from three different providers in the last thirty years. My husband has always handled the finances and has been very sick the last few years in and out of hospital and recently diagnosed with XXXX and is XXXX XXXX. I am trying to Sell assets vehicles and rv but just cant get it all together by next week.I have requested a modification and send docs over then they say they havent received them and ask for additional documentation. I just sent over more docs as they said my application is not complete so I resent them. I have been calling daily but they just say 3-5 more business days to review the documents again for documents I have already sent over. The fees go up weekly thousands of dollarsdoes not seem legal for a company to do business this way. I need more time to get the money together. I have considered hiring attorney but not sure where to start. Furthermore, my business hair salon was impacted by covid and included that in my hardship letter. My husband is XXXX XXXX XXXX XXXX any assistance or guidance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Source Receivables Management LLC
State: NJ

Complaint narrative:
I have asked this company to produce documentation such as a contract between myself & the company stating that I owe them a debt, and to show me what legal right they have to harass me to and calling me all day. They have failed to provide such information after three instances of communication via usps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I have asked this company to produce documentation such as a contract between myself & the company stating that I owe them a debt, and to show me what legal right they have to harass me to and calling me all day. They have failed to provide such information after three instances of communication via usps.

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 2021-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Good Morning Here are just some of the documents and " real time '' correspondence that I was sending to Santander over the course of the term of the Car loan. As I advised the initial woman I spoke with earlier, I made what I thought was my final payment on XXXX XXXX of {$500.00} ; only to be told that I now owed an additional {$8000.00} and then they stated I was past due for that amount ( they placed a 30 day late on my Credit Report on XX/XX/XXXX ) and a 60 day late notice even though they were " refinancing '' the vehicle with a date of XX/XX/XXXX. 

Some Highlighted Notes : * My care was physically damaged on the Second Unlawful Repossession ( XX/XX/XXXX ), and I filed a claim with the lending company, Santander. They have never addressed the claim. I repeatedly sent the requested information, and was repeatedly told they were working on it. I also was asked to send a demand letter, which I did. They are now stating that the damages happened " too long ago '' although I immediately reported it. I have kept all written records as well as recorded calls. Please see attached sample for PROOF. 

* I was able to attach a recorded call from XX/XX/XXXX to validate a real-time conversation surrounding the separate repossession, double billing, and damage to the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reporting my Loan as OPEN with balance of XXXX while I PAID it off back in 2020 and took a NEW finance with XXXX XXXX 
I called XXXX and asked them to fix it they claimed the account is PAID OFF and they REPORTED it to the XXXX XXXX while I still see it as open with XXXX balance. It damages my FICO 2 score for mortgage heavily!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 XXXX XXXX reporting my Loan as OPEN with balance of XXXX while I PAID it off back in 2020 and took a NEW finance with XXXX XXXX 
I called XXXX and asked them to fix it they claimed the account is PAID OFF and they REPORTED it to the XXXX XXXX while I still see it as open with XXXX balance. It damages my FICO 2 score for mortgage heavily!

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 2021-10-06 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: TX

Complaint narrative:
It has been reported several times that my auton loan at XXXX XXXX XXXX XXXX is 30 days past due. I have called several times and spoken with the loan mange XXXX XXXX who has informed me that she can not correct late payments corrects have to be made with the credit bureau although my due date on changed from the XXXX to the XXXX without my knowledge. I have attempted to correct with all 3 credit bureaus and no changes are ever made. Today XX/XX/XXXX XXXX XXXX has sent email stating that a change was made to my due date. I am disputing all late payments from XX/XX/XXXX up to current. and have attached email to show my due date was changed without my knowledge.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has been reported several times that my auton loan at XXXX XXXX XXXX XXXX is 30 days past due. I have called several times and spoken with the loan mange XXXX XXXX who has informed me that she can not correct late payments corrects have to be made with the credit bureau although my due date on changed from the XXXX to the XXXX without my knowledge. I have attempted to correct with all 3 credit bureaus and no changes are ever made. Today XX/XX/XXXX XXXX XXXX has sent email stating that a change was made to my due date. I am disputing all late payments from XX/XX/XXXX up to current. and have attached email to show my due date was changed without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the last 90 days I have tried on multiple occasions to remove my inaccurate information from this credit company with no success. I send proof this information is reporting incorrectly and nothing gets done. I will attach a list of inaccurate items to this complaint that need to be removed from 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 2021-10-06 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: IL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

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. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1.XXXX XXXX XXXX -The date opened is incorrect and the high credit limit is reporting incorrect. 
-Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION.

-Please remove from my report 2.Citi XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 3.XXXX  XXXX XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 4.XXXX XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 5.XXXX XXXX XXXX XXXX **** Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I requested a refinance loan from Rocket Mortgage. We came to agreeable terms. 
My Loan Officer went on vacation. While she was gone my loan was rewritten to include a 25 year loan instead of a 30 year VA Loan. This increased my payment by {$300.00}. Also my percentage rate jumped from 2.87 to 2.99. The president told me it was because my credit was bad.

I cancelled this loan before my loan officer returned. When she returned she wanted to know why I cancelled. She tried to go in and rearrange it back to where it was.

I told her what the president said about my credit and she told me that VA is more forgiving about credit and it didnt really matter. So my rate was raised because my credit wasnt good enough, but, but it didnt really matter with VA anyways.

My loan was reconstituted, except for the raised percentage rate of 2.99 % instead if 2.87 % So it looks like a quick shuffle to raise my rates.

From the # 1 Lender in the Country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: FL

Complaint narrative:
On XX/XX/2021 I mailed XXXX a certifed letter letter notifying them of several violations that they have commited against me and they have yet to fix this fraudulent issue. They responded on the CFPB website saying they dont recognize my name in their system which seems to be a stall tactic to be honest. I want this issue resolved immediately or I will be taking legal action

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 2021-10-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I mailed a certified letter to Experian credit bureau to remove 5 inquiries from my report and it is now over 30 days and have not had any response to my request.

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 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was charged {$250.00} in overdraft fees on XX/XX/2021 that have no correlation to an actual overdraft. Citizens Bank reorders transactions behind the scenes in the most underhanded, cynical way possible to artificially create microsecond overdrafts and then charges you obscene fees for these artificial overdrafts it has created. All throughout the day of XX/XX/2021, my account balance was positive. And on XX/XX/2021, my account balance was also positive. But according to Citizens Bank 's 'eNotice ', there was some abstract moment of time between days where its systems reordered all my transactions with all debits first and all credits last so that it could artificially create a negative balance.

I've tried to talk to Citizens Bank customer service reps and they can't do anything. I don't fault them, they're all forced into this as part of their job and at the mercy of the computer system. But they couldn't do anything for me even though they understood my complaint.

Company response to consumer: Closed with monetary relief