vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WELLS FARGO Account Number : XXXXXXXX This is not mine.

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 2021-09-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: OH

Complaint narrative:
I did not give consent to benefit from or utilize my authorized credit. According to 15 usc 1602g - the creditor refers only to a living person who regularly extends consumer credit. US Bank is in violation of 18 usc 8, 15 usc 1605, 15 usc 1666c, 15 usc 1692f, 15 usc 1692b, 15 us 1692e, 15 usc 1692b.

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 2021-09-16 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: LoanCare, LLC
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX and I am disputing a late payment that is reported on my credit file from Loancare Servicing. My credit report reflects a late payment on my prior mortgage on XX/XX/2021 ; however, this is incorrect. I paid off my home in XX/XX/2021 so there should not have been any reporting of a late payment under my account. I am asking that this past due/late payment be removed from the Loancare Servicing account ( Reference To : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, TX XXXX ) immediately as it is impeding my eligibility in being considered for the purchase of a new home loan with the lower interest rates offered in this current market. I would really appreciate it if this inaccurate report be revised at your earliest convenience. I have attached copies of supporting documentation for my request. 

1. Credit History from Loancare Servicing 2. Payoff Letter from Loancare Servicing Thank you, XXXX XXXX SS # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Email : XXXX Cell : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: MS

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
ON XX/XX/XXXX I sent a complaint to the company Transunion via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. 
The company responded on XX/XX/XXXX that they will review all info. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Transunion is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce.

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 2021-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Numerous times ive been disputing with Experian to have this incorrect address removed from my credit report. XXXX XXXX XXXX, XXXX, mi, XXXX. Is not my address. I do not live at this address. At this point, Experian is going against the fair credit act. ive provided proof that i do not live at this address. But yet, they still fail to remove it. I want this address removed 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 2021-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have called Wells Fargo to try and take my mortgage off of the cares act relieve. I keep getting put on hold or the agent is not able to do it and transfer to another agent, who cant do it either. I called in the XXXX to do it, told to calm back on XXXX. I have called this month four times and get put on hold or transferred. I want to solve the problem but they have no way of solving it, they just want to put you on hold and delay solving it until they can charge more fees.

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 2021-09-16 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: GA

Complaint narrative:
I noticed this fraudulent inquiry on my Equifax credit report and I've disputed it several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiry immediately, thank you. 

Hard Inquiry Date XXXX  XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Fidelity closed all of my accounts withput notice and refused to issue a check for yhe $ XXXX left in my account. The remaining funds were from a debit card refund from XXXX, who only refunds to the card used. Fidelity stated that they would send my money back to XXXX instead of to me, and claimed they needed to " review '' my balance, and offered me no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CO

Complaint narrative:
ALL CREDIT BUREAU 'S KEEP ADDING THE SAME NEGATIVE ACCOUNT TO MY CREDIT REPORT EVERY YEAR FOR THE PAST 5 YEARS. XXXX IS NOT OWED ANYTHING!! I HAVE SUPPLIED THE INFORMATION FOR LETTER TO VALIDATE AND FAILURE TO DO THIS AND THEY KEEP ADDIN G IT BACK TO MY CREDIT FILED, AND IT HAS BEEN ADDED WITH 4 DIFFERENT COLLECTION AGENCIES AND 2 ANOTHER.

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 2021-09-16 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: CO

Complaint narrative:
ALL CREDIT BUREAU 'S KEEP ADDING THE SAME NEGATIVE ACCOUNT TO MY CREDIT REPORT EVERY YEAR FOR THE PAST 5 YEARS. XXXX IS NOT OWED ANYTHING!! I HAVE SUPPLIED THE INFORMATION FOR LETTER TO VALIDATE AND FAILURE TO DO THIS AND THEY KEEP ADDIN G IT BACK TO MY CREDIT FILED, AND IT HAS BEEN ADDED WITH 4 DIFFERENT COLLECTION AGENCIES AND 2 ANOTHER.

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 2021-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I have reported to the company that I no longer have access to my online dashboard of account that shows the progress I'm making in paying off this debt. 

There has been no response after two emails. Emails are the only way I can seem to contact them as there is no phone number on their website. 

This is causing me terrible XXXX  because I'm afraid I've been schemed out of my car title AND I'm paying them {$890.00} each month but I receive no monthly statements or online access. 

I have emailed them at customerservice@upgrade.com and at contact@upgrade.com. I receive a canned response that " we've received your email and we'll get back to you within 3-5 days ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: FL

Complaint narrative:
Numerous times ive been disputing with Transunion to have these incorrect addresses removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, mi, XXXX. 
XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX. 
I do not live at these addresses. At this point, Transunion is going against the fair credit act. ive provided proof that i do not live at these addresses. But yet, they still fail to remove it. I want this address removed immediately. Also numerous times ive disputed the employer XXXX XXXX XXXX on my credit report. This is not my employer. I dont understand why it hasnt been removed. I want this employer removed 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 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has reversed payments I made to my mortgage and erased the electronic history displaying these payments and the reversals they made, after I raised the issue. 

They took six months to give me a response but did not respond to any of my calls or messages during the six months they say they needed to respond to the complaint.

Now they say I have four months due, which is exactly the amount they are saying is unpaid, that they reversed. 

If you can not help. Please advise of someone who can. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Data Systems
State: PA

Complaint narrative:
In XXXX of XXXX, I was getting strange phone calls around a collection debt in XXXX NC, I live Pennsylvania. Then I started to get strange medical bills coming to my house, at that point I filed a police report for Identity Theft, I contacted all the medical providers in XXXX, NC, they told me everything was fixed and not to worry. I recently found on my Credit Report that a collection account was placed against me by XXXX XXXX XXXX out of XXXX, NC for {$100.00} ( XXXX ) for a debt that isn't even mine. My credit report is saying a collection account under Finance Data XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: HW Holding, Inc
State: CO

Complaint narrative:
I have submitted multiple disputes and complaints, this company just lies and continues to report false, erroneous and inaccurate information on my credit report. This is damaging to my credit and preventing me from obtaining more credit. I need this negative account removed 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 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Security Credit Services, LLC
State: WA

Complaint narrative:
Accounts Receivable, XXXX is a collections agency in XXXX, Washington plaintiff is Security Credit Services , LLC send me a court order to garnish my money but is over the statute of limitations dated XX/XX/2013. I paid the XXXX XXXX XXXX to help me regarding the lawsuit. 

I believe I paid for every credit card that I have but they said no. They are trying to look for the proof of payment that I paid the company. 

I live in Washington state and the statute of limitation is 6 years. Why now?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Numerous times ive been disputing with equifax to have these incorrect addresses removed from my credit report. XXXX XXXX XXXX, XXXX, mi. XXXX. 
XXXX XXXX XXXX , XXXX XXXX, XXXX, mi, XXXX. 
XXXX XXXX XXXX, XXXX, mi, XXXX. 
XXXX XXXX XXXX , XXXX XXXX, XXXX, mi, XXXX. 
I do not live at these addresses. At this point, equifax is going against the fair credit act. ive provided proof that i do not live at these addresses. But yet, they still fail to remove it. I want this address removed immediately. Also numerous times ive disputed the employer XXXX XXXX XXXX on my credit report. This is not my employer. I want this employer removed immediately. Also numerous times i have disputed to have a incorrect name spelling removed. My name is not XXXX XXXX. I dont understand why they would keep this incorrect name on my credit report. Please remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2020 I called requesting to defer my payment as I work in the XXXX XXXX and due to Covid -19. I was not certain what will happen with my job. Wells Fargo approved my request while in the call. To my surprise in XX/XX/2020 I realized they had reported my account 30 days late for XXXX. I called them to correct their mistake but they werent willing to help. XX/XX/2020 I decided not to continue to do business with Wells Fargo Bank, paid off my account in full and closed it. I had that account 3 years and never missed a payment. Please help me correct this unfortunate situation as Wells Fargo Bank is not being responsible for the lack in service to me as a consumer.

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 2021-09-16 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: WA

Complaint narrative:
My credit report XXXX score is super low ( XXXX ) and one card canceled me because of my low score even though I have ( NO MISSED PAYMENTS ). Turns out there are two problems with my Credit Reports. One I show owning XXXX on car loans when it should be closer to XXXX. Turns out both the payoff and the new car loan show up making it XXXX instead of XXXX. I have contacted XXXX XXXX and they lowered there amount owed and XXXX is looking into it. Next my XXXX XXXX XXXX  XXXX XXXX went from and XXXX to XXXX  yet on the credit report shows a maxed out card XXXX on Visa and XXXX on XXXX. I only owe XXXX and the card went from XXXX to XXXX and transferred the balance to the XXXX. IT IS NOT 2 SEPERATE CARDS! All of this is hearting my credit score and needs to be fixed 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 2021-09-16 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: WA

Complaint narrative:
My credit report XXXX score is super low ( XXXX ) and one card canceled me because of my low score even though I have ( NO MISSED PAYMENTS ). Turns out there are two problems with my Credit Reports. One I show owning XXXX on car loans when it should be closer to XXXX. Turns out both the payoff and the new car loan show up making it XXXX instead of XXXX. I have contacted XXXX XXXX and they lowered there amount owed and XXXX is looking into it. Next my XXXX XXXX XXXX  XXXX XXXX went from and XXXX to XXXX yet on the credit report shows a maxed out card XXXX on Visa and XXXX on XXXX. I only owe XXXX and the card went from XXXX to XXXX and transferred the balance to the XXXX. IT IS NOT 2 SEPERATE CARDS! All of this is hearting my credit score and needs to be fixed 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 non-monetary relief
Consumer complaint received 2021-09-17 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: WA

Complaint narrative:
I have submitted a dispute but have not been notified that the accounts being disputed are under investigation and/or deleted. They have only added comments and have not removed the inaccurate accounts. The accounts have recently hurt my potential to obtain a home in which I have been denied and other things based off these inaccurate reporting 's. I have requested these to be removed immediately but they have not been removed. They have also obtained and used non public information without permission in these reports which violates the FCRA. 

The information on my credit report that is being reported violates several FCRA laws : 602 15 U.S.C 1681 611, 15 U.S.C 1681,15. U.S.C 6801, 623 15 U.S.C 1681. All which I have included my dispute letter.

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 2021-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
We made interest free credit card loan arrangements with Lowes for period of 2 years. Our Agreement had started the day we agreed on the amount of {$9100.00}, moreover their project got delayed for 6 months. Now without considering their delay time frame they have sent us accumulated interest of amount {$4800.00}, which is more than 50 % of my purchase. 
I signed my contract with Lowes dated XXXX to build backyard fence as an requirement to run a XXXX XXXX. As per contract they were suppose to start Fence work on XX/XX/2019, but they started the work after about six months later. Moreover Covid-19 started. Unfortunately due to COVID-19 lockdown I was unable to generate any income out of it. Despite of financial difficulties we payed most of our principal except for amount {$1500.00}. Which is now fully paid as well. We have multiple times contacted them through phone calls and sent them letters requesting to waive off the accumulated interest charge but in vain. We received no alerts from them and also they did not consider their delayed time frame. We got suddenly hit by their Interest despite making timely month to month payments. 
Please to the needful at your earliest

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 monetary relief