vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these 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 2020-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: MI

Complaint narrative:
Address someone stole my agenda and use my address to obtain a loan from Speedy Loans and try to steal the equity out of my house XXXX XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: EQUIFAX, INC.
State: MN

Complaint narrative:
The information listed on this account is inaccurate and does not belong to me. According to Fair Credit Billing Act. Creditor needs to verify this account actually belongs to me. Creditor needs to verify Date of Last Payment date. Creditor needs to verify which payment method was used to make last payment date. Creditor needs to verify date opened. Creditor needs to verify Highest Balance. Creditor needs to verify accuracy of this account, as it doesn't appear on my XXXX  or XXXX  bureau credit reports, which means this information is inaccurate and fraudulent. I want this account removed from my Equifax credit report. I have sent police report stating I am a victim of identity theft, with said account listed on police report. Unfortunately, creditor is violating Fair Credit Billing Act. and Equifax is violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NV

Complaint narrative:
All outstanding debt for XXXX was paid in full at the time of closing my account with them. I never received any collection attempts or bills for this debt from XXXX after closing the account. Upon inquiring about the collection directly with XXXX they were not able to produce a bill or explanation for how the debt was accrued. I have yet to receive a formal response from the collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NV

Complaint narrative:
All outstanding debt for XXXX was paid in full at the time of closing my account with them. I never received any collection attempts or bills for this debt from XXXX after closing the account. Upon inquiring about the collection directly with XXXX they were not able to produce a bill or explanation for how the debt was accrued. I have yet to receive a formal response from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXXInaccurate XXXX XXXXN/AInaccurate   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX  XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate Also, the only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed below and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NC

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXXInaccurate XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NC

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXXInaccurate XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
This complaint is related to my second property ( Loan # XXXX ) and similar to my previous complaint related to Loan # XXXX ( Copy of the previous complaint is attached ) Loancare has  been cashing my mortgage payments, suddenly on XX/XX/2019, LoanCare sent me a letter indicating that I am 3 months behind ( See attached ), and subsequently, reported my account as serious delinquent to the Credit Bureau. 

In fact, I have made all payments on time - never late and every/all payments have been received by LoanCare.

Why LoanCare has so much problems crediting my payments? This very same thing happened to both of my properties. Is this a mistake, a discrimination or a simply an ill intent to defraud a customer ...

I have made several inquiries to LoanCare on this subject but have never obtained any response. ( One copy is 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 2020-02-24 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: AR

Complaint narrative:
I have sent numerous dispute letters since XXXX to Experian Information Services challenging their reporting on two collection accounts XXXX XXXX XXXX parked in my credit report back in XXXX and XXXX on alleged unsubstantiated debts they purchased back on XX/XX/XXXX and XX/XX/XXXX and starting trying to collect from me on debts that they have failed to validate to me. XXXX XXXX has been reporting to Experian and they have been updating monthly since then. I have sent methods of verification requests to Experian on what XXXX XXXX or the original creditors sent to them to certify these debts as accurate. To date they have failed to comply. Experian keep replying back the information was certified as accurate and update. To date XXXX and Experian both have failed to provide me any viable evidence to substantiate their claims and reporting as 100 % true and accurate. Can they legally ignore my disputes and methods of verification requests?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
First complaint # XXXX against Select Portfolio Servicing Inc was done XXXX. 

My Name is : XXXX XXXX owner and mortgage holder at XXXX XXXX XXXX XXXX MI XXXX. I am - disputing a false middle initial placed on my name through the Select portfolio servicing which created another person on my mortgage with the account. # XXXX. The company has continue to use the same name and account number. as of XX/XX/2020 which is an illegal name and account number. However I can no longer excess my mortgage account though their online services. Although the select portfolio servicing were faxed and send the correct information by the owner of the property, over ( 60 ) sixty days ago. 

The Select portfolio servicing Inc has continue to use an illegal middle initial to create an illegal account number through a conventional mortgage foreclosure at XXXX XXXX XXXX Mi XXXX. However, as of XX/XX/2020 the select portfolio servicing Inc requested for the Owner/complainer to sign a document : which will not hold : Select portfolio servicing, accountable for their illegal errors. 

Therefore I ' XXXX XXXX is filling a [ second ] complaint against : Select portfolio servicing Inc. I am requesting for the select portfolio servicing to accept all responsibility for their illegal name error, and to change all  account numbers to the mortgage account to reflect the correct changes ; belonging to the Owner. XXXX XXXX. financial mortgage loan. As of XXXX XXXX Select Portfolio servicing " has not " used the correct name, Nor a new account number to reflect the changes of the errors and the errors still exist. 

Therefore I am filling another complaint against : Select portfolio servicing to correct my name and the account number on my conventional mortgage account. Requesting for the SPS Inc to send a confirming documentation to the CFPB complaint bureau and the owner in the correct name with a new account number under XXXX XXXX mortgage as of XX/XX/2020. 

Best regards XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I closed my account with XXXX XXXX which was paid in full at the time of closing the account. The account was opened in XX/XX/2017 and closed roughly 18 months later. I spoke with multiple representatives at XXXX to ask them why I received a collection call for a past due bill and their responses were there is no bill in my name. This is now in collections for {$540.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to complain about the online credit service known as PayPal.com. For the last six months, PayPal has been ( 1 ) billing me for fraudulent transactions and ( 2 ) providing the credit bureaus with false information about my balances in violation of the Fair Credit Reporting Act. I have contacted PayPal customer service by phone on several occasions to dispute these fraudulent transactions. I disputed on XX/XX/2019 an amount of {$100.00} with PayPal customer service agent named XXXX and I disputed on XX/XX/2019 an amount of {$490.00} with PayPal customer service agent named XXXX. According to the terms of service, PayPal was supposed to investigate the disputed amounts and provide a response within 60 days. PayPal however have failed to provide any response to my disputes and continue to bill me for the disputed fraudulent transactions and charge me for interest while reporting these false transactions to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NV

Complaint narrative:
I closed my account with XXXX XXXX which was paid in full at the time of closing the account. The account was opened in XX/XX/2017 and closed roughly 18 months later. I spoke with multiple representatives at XXXX to ask them why I received a collection call for a past due bill and their responses were there is no bill in my name. This is now in collections for {$540.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NV

Complaint narrative:
I closed my account with XXXX XXXX which was paid in full at the time of closing the account. The account was opened in XX/XX/2017 and closed roughly 18 months later. I spoke with multiple representatives at XXXX to ask them why I received a collection call for a past due bill and their responses were there is no bill in my name. This is now in collections for {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NY

Complaint narrative:
I felt some information on my account which was reporting from XXXX XXXX XXXX  account # XXXX wasn't accurate. I sent in a letter to the bureaus questioning the information reported. I got back a response from them saying it was verified. At the same time I got a letter from XXXX  XXXX saying that they recieved a dispute but didn't have enough information for them to fully understand the reason for the dispute. How can the bureaus have verified this information if XXXX XXXX  could not even investigate this based on the letter I got which I will attach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: Ditech Financial LLC
State: MA

Complaint narrative:
I apologize for the second complaint but I was unable to submit a response to provide documentation. 
I have a rental property and the mortgage was with Ditech. It was sold to XXXX XXXX on XX/XX/XXXX. ON XX/XX/XXXX I did not have a new account number with XXXX  to make my XXXX payment so I called Ditech and they told me to make a payment to Ditech and they would forward the payment over to the new company. Ditech never forwarded the payment and I was marked late with the new company, but i didn't know this until late XXXX ( the end of my 60 day grace period ). I began making payments to XXXX in XXXX and made intermittent payments throughout XXXX and XXXX to make up for the lost payment. But as of XX/XX/XXXX I was still {$220.00} dollars short of 3 months. They counted that as 60 days late for the XXXX payment and XXXX  reported me to the credit bureau with a 60 day mortgage payment. I have now sold my primary residence and can not get a loan for a new home with that on my credit report and XXXX will not take it off. I believe the problem began with an error by Ditech. I would like Ditech to talk with XXXX to say it was their error and not mine. 
Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$980.00} on the XXXX  XXXX partial account number XXXXXXXX. ( Please see page attached from my credit report. ) I spoke with a representative from XXXX XXXX and had an agreement for a payment plan on this account. I made every scheduled payment required. I never received any notification and/or communication from XXXX XXXX that this account was not in good standing. I only recently discovered this account is reporting as a charge-off when I obtained a copy of my credit report. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
ally auto loan account # XXXX vin # XXXX case # XXXX my name is XXXX XXXX at XXXX XXXX XXXX XXXX, Ca XXXX I was happy to pay my loan off early so on XX/XX/2020online on my Ally .com acct I paid XXXX paid off.the same day Ally took the auto payment of XXXX. Since then I have called at lease 6 times at one time the supervisor gave me a case # XXXX to get back my over payment, on the phone now with them and the same story we are reviewing my account today is XX/XX/2020. please help me with this as soon as possible, thankyou

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