vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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:
I would like to file a complaint with Experian and XXXX. Experian is reporting two bankruptcies on my credit file and I requested for Experian to follow the Fair Credit Reporting Act and investigate both of those bankruptcies for me. I am sending you the evidence that I actually disputed it with Experian at least three times and each time they verified it incorrectly or they never verified it. as evidence the phone number that Experian claims that they called is actually a disconnected number on my credit report. I would also like Experian to review my entire credit report and all my mortgages are paid on time. All my bills are paid on time there is no evidence of bankruptcy or my account would have shown that they are a part of chapter XXXX or XXXX. I am asking Experian for the last time to either verify them properly or by law you must remove anything that you can not verify after investigation and I would like to give him 30 days to verify or remove these two bankruptcies from my credit report. I'm a full-time XXXX and I have no extra time to dispute accounts with Experian.

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 2021-06-09 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: GA

Complaint narrative:
Good Afternoon, I am reaching out because there is a collection account on my XXXX and Experian Report. The account by XXXX XXXX XXXX is a fraudulent account. I have disputed this via XXXX, Experian, and through themselves. I haven't received a response from them at all. I am requesting that this account be removed from my credit report asap. I have attached my police report. My next step is to retain an attorney to get it removed and to sue the bureaus. 

Also, this is me, XXXX XXXX XXXX, submitting this dispute. Everytime that I submit a dispute through here, they try to say that it isn't me. This is me and I would like this resolved asap.

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 2021-06-09 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: Westcreek Financial
State: IL

Complaint narrative:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Westcreek, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: World Acceptance Corporation
State: IL

Complaint narrative:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, World Finance Corp, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: VA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true.

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 2021-06-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have not able to reach the Company XXXX XXXX, I have mailed them a letter and called XXXX with no response, this company does not exist since I dis not get a response for months. The address for XXXX XXXX is incorrect and the letter I wrote them has been sent back to me, please tell me how did you verify the debt and I wasn't able to contact them by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have not able to reach the Company XXXX XXXX, I have mailed them a letter and called XXXX with no response, this company does not exist since I dis not get a response for months. The address for XXXX XXXX is incorrect and the letter I wrote them has been sent back to me, please tell me how did you verify the debt and I wasn't able to contact them by mail.

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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
I received an email today from a company I have never had any contact with and they claim I owe money to XXXX XXXX. I have not now or in the past had an account with XXXX XXXX in any state since before XXXX of XXXX  and do not currently have an account. I left in a friendly manner before XXXX  and owed nothing to them, no loans, no credit cards or any other outstanding account to create an outstanding bill. I left XXXX  because of their incompetence but owed them nothing. There are over 26 thousand XXXX XXXX in this country. 

Their means of contact do not work, phone disconnected, email returned and no information to contact them. 
The company ( if real ) is " TrueAccord '' XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. 

This attempt to collect a debt not owed through force and fear, a crime. Further, it is in violation of 15 USC 41 ; sec 1681, et. seq. 

Simply put, this is a dishonest company trying to extort money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MI

Complaint narrative:
Collection account created XX/XX/XXXX for {$150.00} cleaning fee associated with a previous rental. 
Account paid in full on XX/XX/XXXX. 
I have been on a land contract and thus unaware of this account status. 
Collection account still shows as open and unpaid as of XX/XX/XXXX. 
I am back in the market to rent and have paid three {$35.00} fees and one {$40.00} application fee. All which otherwise were accepted ( verbally confirmed by property managers ) but the Collection account appearing as open caused me to lose money and prospective rental agreements. 
I have contacted the Collection agency and was met with nothing more than an apology and request to update the credit bureau, but this does not help. This has caused unnecessary issues as I am having trouble relocating for something that was handled years ago.

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 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
As a consumer Ive gave this corporation no permission to put this false information on my so-called credit report or have I given this corporation permission to share my so-called information with third parties. On XXXX I had noticed that XXXX XXXX XXXX company had put some false information on my so-called credit report and shared this information with third parties by the name DIVERSIFIED ADJ SVC. This is unlawful under 15 USC and 15 USC1692i As being a consumer I am want this fraudulent information taking off of my so-called credit report and I am also seeking monetary relief.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have repeatedly tried to get ANYONE to see what this Company did along with XXXX XXXX XXXX and XXXX. If I get nowhere with my complaints I have no alternative but to have the XXXXXXXX XXXX XXXX file litigation in Federal Court. XXXX did not honor XXXX modification offered to me in XXXX of 2016. I was unaware that they were obligated to at the time. When I inquired about the modification XXXX had me complete another application. I sent a completed application to XXXX they claimed they were missing one document. The letter to me is dated XX/XX/2016. I sent the other document again and waited for yet another modification. Instead, I received a notice that they had received Judgement on XX/XX/2016. When I inquired why none of the modifications were honored they stated it was too late judgment was entered. This was pure discrimination between recorded remarks from employees ( stating I should have just paid the mortgage then I wouldn't have to worry about a modification ) and the way I was treaed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX, I contacted comenity bank and paid my balance in full and requested account be closed. I asked them not to contact me anymore. 

Comenity bank has done the opposite. 
They have left my account open and are continuing to charge me fees. I have documentation of the interactions and am on the phone with them now. 

At this moment the rep is stating she has. has gotten rid of the additional fee and closed the account but will not send me an email to confirm this. Finally after I pressed her, She gave me a confirmation number which I don't trust because, she was unable to send a confirmation email attesting to what she did to change my account. 

When I go online they still have my account open like none of this ever happened a month ago. They have yet to send me confirmation of account closure or reversal of a {$2.00} fee. 

They told me that 24 hours needs to pass before I get a confirmation letter/email. I believe this is a lie since I am attaching documentation of the lie told by another rep stating may account was closed last month. 


My account remains open. 

I do not recommend this card for anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-06-09 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: OH

Complaint narrative:
There are some creditors on my credit report that are not mine, or don't recognize. Additionally, there are addresses reported that do not belong to me. Please remove them 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 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
My existing loan got sold to The Money Source. My monthly payment was {$1500.00} The statement said {$1600.00}. I called in and spent a lot of time on the phone fixing their error, on a loan company that I was forced to use since they purchased my loan. The customer service gal said that she sees the error, and put in a request to fix it, and it will be corrected by XX/XX/31. She also said not to pay my monthly mortgage, that was due XXXX. They were supposed to get back to me XX/XX/31, I emailed them XXXX, they emailed me back and said to call in. I do not have time to keep calling and obviously my call in the past did nothing. I am pre approved with another residential lender for a new primary residence, and also commercial loan for apartment building purchase. If The Money Source is responsible for a negative report to the credit bureau, after they are in error and on a recorded line told me not to pay until this gets resolved, we are going to have an issue. I want this corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Through Trans Union I have had the same amount on my credit report for over two years. I am trying to find out why it hasnt been changed to a higher number. XXXX and other are at a lot higher rate,

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 2021-06-09 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: Mountain Run Solutions, LLC
State: MO

Complaint narrative:
COMMUNICATION WE HAVE HAD WITH/TO MOUNTAIN RUN SOLUTIONS , LLC I am trying to find out a date of first delinquency on my account that is with you, can you provide that to me? Original business was Vivint security. 

Thank you XXXX XXXX XXXX XXXX __________________________________ 1ST EMAIL RESPONSE FROM AGENCY ANSWERING ABOVE EMAIL : Install date : XX/XX/XXXX Cancel date : XX/XX/XXXX XXXX has recalled this account. 


Thanks, Mountain Run Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX _____________________________________________ OUR REPLY TO THIS EMAIL ABOVE : URGENT URGENT URGENT URGENT URGENT What does this mean? 

XXXX, XXXX XXXX ) ( XXXX ) Are you deleting this account with credit bureaus? Or making a XXXX balance? PLEASE ADVISE ASAP! 

XXXX XXXX XXXX XXXX XXXX URGENT URGENT URGENT URGENT XXXX, Are you deleting this account with credit bureaus? Or making a ZERO balance? Please let me know so I can decide what direction to take with our complaint. 

For recollection, you stated XXXX recalled our account with your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX EMAIL DATES AND TIMES I HAVE SENT ASKING FOR AN ANSWER XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: VA

Complaint narrative:
I am writing this complaint because late payments have been report on my Credit Report in have not been in compliance of the law. According to 15 U.S. Code 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. None of this was done or followed yet an Late Payments reflects on my Credit Report and I would like the late payment ( s ) removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HERITAGE CREDIT LLC
State: FL

Complaint narrative:
On XX/XX/2020 I called 1st heritage credit of XXXX mississippi and asked if they give loans to military personnel. They said they do so I applied and got the loan. At this time I was XXXX XXXX military and did not know anything about the military lending act. The APR of this loan is 37.640 % which is above the 36 % limit enforced by the military lending act. Also they required me to have premiums in order to receive this loan which is another violation of the MLA. I want to take the next step in order to void this loan but do not know how because it does not say on the internet and many attorneys I have called do not know of the military lending act. I have reached out to the issuer of the loan saying they violated the rules of the act and to void the loan but they will not. They sent this information to their attorneys to review this situation and are waiting for an answer. The excuse they used was that on my credit report it did not say I was XXXX XXXX when I told them I was in the military, showed up to the office in uniform, and gave a copy of my LES which clearly says on the top states that I'm XXXX XXXX.

Company response to consumer: Closed with explanation