vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I applied for an auto 2 weeks ago and was informed that I had a delinquent judgement on two of credit reporting services. 
I do not have and I have not been notified of it. 
It doesnt even show the company name. 
The information is false and is hurting my ability to get any type of loan. 
Please help me resolve this Matter.

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 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Community bank wayfair, searched for and obtained family members names and phone numbers to discuss my account without my permission. They then repeatedly called all day every day to my family and my self

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 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: PA

Complaint narrative:
On XX/XX/2020 I opened an account with XXXX XXXX through the XXXX XXXX XXXX  and was approved for a {$400.00} line of credit. I was super excited to get the opportunity to start building my credit again. On or around XX/XX/2020 I changed bank accounts and as such grain was not able to take my monthly payment. 

When i logged into the app on my XXXX  to update the bank account, it kept giving me an error so I contacted support. Eventually the issue was semi resolved. This is not the reason for my complaint today though. 

Now, fast forward 8 months later and I am having the same issue again. Except this time, they have reported a 30 day late for XXXX and a 60 day late for XXXX. This is preventing me from finding a new apartment now and XXXX XXXX has no one I can call. 

When I try to go on the app to put a new payment method, it says that my bank is not supported. So i tried a seperate account but it said that my XXXX XXXX  account is being used for another account. So here I am again, unable to make a payment while my credit is being damaged and I can't even get a hold of someone at XXXX  to make it right. 

I am requesting these late payments be removed IMMEDIATELY and for me to be sent an invoice to XXXX so that I can pay this off in full and close this account. 

My parents are also experiencing the same exact issue which is causing them unjust harm as well. 

Thank you for your assistance in regards to this matter.

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 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I have a numerous amount of inaccuracies on my credit report as a result of me being a identity theft victim. 
XXXX XXXX account opened XX/XX/XXXX for a total amount of {$890.00}. This account is derogatory on my report. XXXX XXXX XXXX  opened XX/XX/XXXX which is delinquent and a total of {$470.00}. Convergent Outsourcing which is derogatory in collection. Opened XX/XX/XXXX with a total of {$750.00}. There is also a numerous amount of inaccurate inquiries on my report due to identity theft for car loans and credit card companies. My XXXX  report also stated that my personal information was found on the dark web. Due to identity theft my credit score dropped over 100 points.

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 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I was a victim of identity theft and 10 different accounts were opened in name with XXXX 2 years ago. I contacted XXXX back then and they acknowledged this and wrote me a letter promising they will take care of this and remove all negative reports. However, I keep on getting various calls from different credit agencies for the same accounts stating that I owe. I have contacted XXXX and they state that the accounts it is not in their system at and they do not see where it was in the first place. Despite the fact that they have written me a letter with their company letterhead apologising and i have called the credit bureau to remove it they state that XXXX has to contact them with the letter. I have contacted XXXX about this sent them faxes and email they are stating that it takes 10 days to read my letter. Very unprofessional and lousy attitude towards solving my problem having sold the account. They are not in a hurry to remove it and even though they promised to 2 years ago. Everytime the collection comes up in my account it dings my account 30 points. Please save me from these draconian monsters.

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 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent you a letter regarding inaccurate things on my credit report on but to this day more than 60 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX data breach and may got into hands of the wrong person

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 2021-08-27 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: GA

Complaint narrative:
I sent you a letter regarding inaccurate things on my credit report on but to this day more than 60 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CA

Complaint narrative:
TRANSUNION AND XXXX  ARE REPORTING ACCOUNTS THAT WERE DELETED OFF OF MY XXXX  REPORT AND IT'S HURTING MY CHANCES OF BUYING A NEW HOME FOR MY FAMILY.

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 2021-08-27 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: CA

Complaint narrative:
XXXX  AND EQUIFAX ARE REPORTING ACCOUNTS THAT WERE DELETED OFF OF MY XXXX REPORT AND IT'S HURTING MY CHANCES OF BUYING A NEW HOME FOR MY FAMILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TX

Complaint narrative:
I am having a problem with XXXX and Experian method of removing a old or outdated derogatory information on my credit report that's harming my credit file. Acct XXXX, date. opened XX/XX/XXXX and Experian says open date XX/XX/XXXX? balance {$6300.00}, past due {$6300.00}. date of last active XX/XX/XXXX and Experian XX/XX/XXXX? XXXX. XXXX, date opened XX/XX/XXXX and Experian XX/XX/XXXX? balance XXXX past due {$5000.00}, last active XX/XX/XXXX and Experian XX/XX/XXXX? 3. XXXX, date opened XX/XX/XXXX Experian XX/XX/XXXX? balance {$2600.00}, past due {$2600.00}, last active XX/XX/XXXX Experian says XX/XX/XXXX? this is just a few I have 9 in total. How can this information from as late as XXXX, XXXX? How long does these items stay on my report? I see it says 7 yrs. It also says ALL INFOMATATION HAS TO BE 100 % ACCURATE. This is NOT. How does it has a Date of Last Active if in FACT if its been Charged off yrs ago? NOTE I explained all this to XXXX  and items was deleted. I do not understand this process with these two agencies. These are clear violations to my personal credit profile. I will upload my credit report to further explain what problems I am having. 
1. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

2. All information must 100 % accurate. 
This information is not accurate or reporting agencies may not report outdated infomation. 
THESE ARE CLEARI VIOLATIONS TO MY PERSONAL CREDIT PROFILE..

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 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I took out a loan Acima through a third party for a set of rims for my car. A reoccurring payments were set up to take out {$88.00} out of my account for a 1yr lease which was started in XX/XX/2020. I was told I have the option to do a payoff in 90 days. I called Acima in XX/XX/2020 and made a {$300.00} payment. The sales associate told me we would set up where {$170.00} would be taken out my account weekly so I would be fully paid off by XX/XX/2020. I recieved a call in XX/XX/2020 saying they had been unable to take that months payment out my account. I had got a new debit card is the reason. I spoke to an associate and asked why they were trying to take out a payment when I should of been fully paid off in XXXX. They said that I never set up for that amount to be taken out weekly. I said to them at the point when i made the {$300.00} payment I was up to date on my payments and when i authorized for that amount to be taken out the account it was because I wanted to do the 90 day pay off. I spoke to another representative and was told that was never set up. I told them I was under the impression that it was, and that I shouldn't be penalized for it. They are saying I owe an additional {$2000.00} or I could do make a charge off payment of {$1000.00}. I asked how much were the rims they told me that before the 90 day pay off the rims were {$2000.00} I asked how much I have paid so far and they said I've payed {$2200.00} which exceeds the amount of the original 90 day cost. So I asked why should I pay {$2000.00} more or the {$1000.00} payoff if I've already paid so much? They said the representative didn't set it up so I would be paid off by XXXX. I said that's not my fault. It is hurting my credit to have this on there and I am in the process of buying a house for my family and this is putting a major burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: VA

Complaint narrative:
I applied for an auto 2 weeks ago and was informed that I had a delinquent judgement on two of credit reporting services.

I do not have and I have not been notified of it. 
It doesnt even show the company name. 
The information is false and is hurting my ability to get any type of loan. 
Please help me resolve this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Hello I am writing you to ask your help in a SBA PPP loan related matter, for which I have no other recourse but to write to several government agencies, yours not the least. I have a {$40000.00} PPP loan with PNC bank, but they have taken it upon themselves to renege on the original agreement, which was that if I used more than 75 % of the loan towards payroll related expenses that the loan would be 100 % forgiveable. They are now asking for {$17000.00} of this loan to be paid back to them, even though I have complied fully with the original terms. This is a breach of contract and an insult, that the bank should want a cut of the money given by the Government of the United States to the people, for the express purpose of keeping businesses hurt by the COVID pandemic, and not for enriching bankers who are now setting up interest bearing loans that we have to pay back. I have written the SBA, who says they have not yet set up an appeal process for cases such as this, but they say an appeal process is pending. I can not wait for this machinery to be in place ; I must act now before the bank demands its money bank on its usurious and illegal terms. I am also writing the Attorney General of the State of New Jersey, the Dept of Consumer Affairs, and any other agency that might be able to assist beleagured PPP loan recipients like myself. I would be more than happy to supply every documentation that I have regarding this, which is comprehensive, to you if you need it to investigate, which I am hopeful that you will do. Please contact me back at XXXX, that is to say in electronic writing. I do not think banks should push people like me around, a small business owner in the XXXX  field ( XXXX  office ) who provided XXXX  care and XXXX  health services throughout the covid period, assuming personal and business risk to do so, and for whom this money was meant for, not the banks to enrich themselves. If you could please respond with any help at all, I would be most grateful. Thank you - XXXX XXXX, MD, XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ XXXX, tel ( XXXX  ) XXXX, cell ( XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I have received multiple emails from Firstsource Advantage regarding a balance that they are insisting that I owe in the amount of XXXX from XXXX XXXX. XXXX On XX/XX/2021, XX/XX/2021 and XX/XX/2021, I sent, by certified mail, a letter to the address of XXXX XXXX XXXX XXXX XXXX . NY XXXX, which is the address that they have listed in the email for mail correspondence. Every time the letter was delivered and I have proof that it was. Within the letter that I sent, I asked them to provide documentation verifying the debt that they claim that I owe them. I have not received a response from Firstsource Advantage even though I have reached out to them multiple times to clear the matter, instead I just keep receiving emails saying to contact them, which I have.! I have not done any business with XXXX XXXX XXXX therefore the debt is not mines!

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 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott & Associates, PC- Have repeatedly had different people come to my home in very early morning hours, as well as late evenings. The people repeatedly ring the doorbell and knock on the door. They lie and say they are delivering package and have said I have been served as if they are an official government. The notice comes with a yellow paper that says " this can be resolved outside of court and contact us at XXXX. 

These collectors have come to my home 2-3 times a day in some cases. Today I was left a HUGE red folder taped to my front door along with the yellow paper. 

this has to stop This has been for myself and my husband as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CA

Complaint narrative:
Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. & I have been waiting passed 40 days for a written response ( section 609 Fcra ). I ask that you remove these accounts now.

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 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
There was not a box to list for Debt collectors that COME TO YOUR HOME WEEKLY AND SAY THEY ARE WITH THE COURT.

Scott & Associates, PC- Have repeatedly had different people come to my home in very early morning hours, as well as late evenings. The people repeatedly ring the doorbell and knock on the door. They lie and say they are delivering package and have said I have been served as if they are an official government. The notice comes with a yellow paper that says " this can be resolved outside of court and contact us at XXXX. These collectors have come to my home 2-3 times a day in some cases. Today I was left a HUGE red folder taped to my front door along with the yellow paper. this has to stop This has been for myself and my husband as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
The cell phone that was hacked was purchased from XXXX, this phone was hacked during the XXXX  Data Breach. The Collection Agency : ENHANCE RECOVERY is claiming I open an account with XXXX on XX/XX/20 and never paid on this account. The phone I purchased from XXXX was hacked during the XXXX  Data Breach. I was told by XXXX to bring that phone in and get another, because the insurance I had I could get another and if anything help to it ( and it did, was hacked as well ) I could bring it back within a certain time period at no cost to me, and sure enough the time period did not expire. I returned the phone to XXXX. 

I haven't had any contact with XXXX since the XXXX  Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This horrific fraud scheme first started end of XXXX I have been dealing with this dispute battle for almost 4 months. I lost in total of almost XXXX dollars. I have been trying to get footage from bank and to compare the footage they have with my face. I have called so many times and never have gotten a solution. I was a victim of fraud which also led to somebody dropping a fraudulent check on my account.. forging my signature. I have also informed them that my purse was stolen which I explained I lost my id, cards, I lost money! I got a police report as instructed to do and even wrote a letter. I have opened claims in total of 4 times after doing each step I was told. I have changed bank id, ordered new card and still no result. I was informed a woman who appeared to look similar to me was responsible for this mess. I called one more time and now the next step is simply legal help if I get granted access to footage from the cops. Please help! I am mentally drained from no help during this stressful process.I have been a loyal customer to Bank of America for almost 2 years! I just would like my Money back!!!!

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