vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later, on XX/XX/XXXX, I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX  on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX  and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Bull City Financial Solutions, Inc
State: CT

Complaint narrative:
I have no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but XXXX  in collaboration with Bull City Financial Solutions are disregarding any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/XXXX Midland Credit Management XXXX has added a derogatory remark on my credit report in the amount of {$1600.00} per XXXX XXXX, Upon further research, this account was transferred/sold to them by XXXX, XXXX on XXXX, XXXX XXXX and I'm no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature dose not validate the debt and anybody can send a bill and say it's mines. According to the FCRA Midland Credit Management XXXX.has violated my rights as a consumer and I'M requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the Better Business Bureau since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: MD

Complaint narrative:
I am accusing Experian of fraud. Experian has deliberately removed three XXXX student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Experian violated its own regulations. Also, Experian fails to give an explanation for the deletion. A credit reporting representative admited that the early removal of satisfactory accounts negatively impacts a consumenr 's credit score. In addition, Experian reports payment history information in a misleading manner, such as high balance amount running from year to year or a series of years without change ; or mortgage presented as an unchanging high balance loan ; and an inaccurate payment history for accounts. I have been trying to resolve my disputes with the agency since XX/XX/XXXX to no avail

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 2021-08-13 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: LA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later following this, on XX/XX/XXXX once again I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX  on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. As of now, I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX  and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later following this, on XX/XX/XXXX once again I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. As of now, I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I lost my job during covid 19 and now I'm behind on my mortgage

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 2021-08-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
XX/XX/2021, voicemail " hi this message is for XXXX XXXX i'm calling from Loan Depot, please give us a call back. The number is XXXX, thank you. '' I called this number and the representative only identified themselves as XXXX. She took my name, social security, etc. Asked permission to call me on the phone and if I was the subscriber. Weird! I thought I just called a scammer back. After arguing with her about the personal information being excessive and not asked previously with other phone calls to company. I requested a manager and refused additional information. Then she told me I was late on XXXX mortgage payment. 

I had to ask her what company and what department she was with. She did not provide this information voluntarily or upfront, but told me Loan Depot and collections. It was her or the other person XXXX that informed me that I was reported late to the credit bureau and would again be reported if I did not make the payment. Despite me telling them I had not received any refund from the company thus the XXXX payment was paid. My bank paid the amount in XX/XX/2021. The only solution I had was to pay more money or have further negative reporting. I was told they would send information to the department dealing with the situation and someone would call me back within a week. I asked who and they stated they did not know. 

I asked how would the credit reporting be corrected and was told to contact the credit agencies and dispute. They would send a note and see if company would reverse reporting, but only if company determined they were at fault. 

I paid the money as I don't want the negative reporting affecting my employment. They now have an extra payment again that is not applied to my mortgage. I have received no refund check despite their claims it was sent. I was told the check showed uncashed, but I still had to make the payment or further negative credit reporting could result. The only reason I made the payment was because Loan Depot would continue negative reporting to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Have been called twice a day for the past few months about a debt that I attempted to pay off in XX/XX/XXXX. Payment was returned multiple times by American express and they refused to accept my money for payment and continue harass me by phone and email. Have contacted company and shown proof of thie mistakes multiple times but american express keeps selling off the debt to different company 's that continue to harass me and charge me interest on an account that was closed in XX/XX/XXXX. Everytime I dispute the incorrect debt with the debt collectors american express starts to contact me again saying I owe them even more money. Have reported them before and they stopped contacting me but have resumed contact again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: MD

Complaint narrative:
I am accusing Transunion of fraud. Transunion has deliberately removed three XXXX student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Transunion violated its own regulations. Also, Transunion fails to give an explanation for the deletion. In addition, Transunion reports payment history information in a misleading manner, as well as high balance statements, such as high balance amount running from year to year or a series of years without change. Furthermore, a credit reporting representative admitted that the early removal of satisfactory accounts negatively impacts a consumer 's credit score. I have been trying to resolve my disputes with this agency since XX/XX/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 2021-08-14 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: AL

Complaint narrative:
I was informed by my mortgage company that information contained in my report shows that I am deceased as of XX/XX/2018, When I called Experian to get this resolved I was told that I had to prove that I was alive and that I am who I say I am, I provided them with all the information for verification that was asked for and I was told that it would take a week for them to get the information that I provided to investigate and then it would take another week to have the information removed and the report updated, This is unacceptable as they ( Experian ) reported me as deceased without investigation nor verification which has placed me in a very bad position as I am within the home buying process,

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed two inaccurate accounts with TransUnion that they are reporting and they have failed to do a proper investigation! The following 2 accounts are over 7 years from the first date of delinquency which is a FCRA violation! Also under Sec 1681 ( b ) under exclusions they are in violation for reporting this information! 

1 XXXX XXXX XXXX XXXX 2 XXXX 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 2021-08-14 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: AES/PHEAA
State: AL

Complaint narrative:
My credit report shows 7 late payments but the information is not consistent across all XXXX, XXXX and XXXX which is causing me to not get approved for a home loan. Fedloan told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My spouse and I are the first-time homebuyers. We applied to Bank of America for a Home loan Mortgage. Both of us are Bank of America clients since XX/XX/XXXX. The loan officer and bank did not inform us about not providing the loan estimate until 7 days after our application. We were rushed through the credit pull thus locking us in but were kept on hold whenever we are some clarity regarding the loan estimates. The bank executives are not transparent to the customers upfront and make them lose 2-3 weeks of time in an aggressive market. They changed their policy overnight to no longer provide loan estimates until we go under contract with a home purchase offer. This makes it very risky for us since lock ourselves with their loan application. 
This action has not only led to miscommunication, mistrust but also has caused us stress. 
I request CFBP to compel Bank of America to carry out more transparent practices.

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 2021-08-14 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: LA

Complaint narrative:
I have made several attempts to communicate with your Offices. In Exhibit B you will find copies of my certified mail receipts. 

The account listed in Exhibit E is inaccurate, not timely, and carries no documented evidence of its existence. To the least, it has not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting this non-compliant unverifiable account on my credit report. 

I have attached undeniable proof that you are in violation of the FCRA by reporting false and inaccurate information concerning the account listed in Exhibit E. 

I have attached a print-out of my XXXX XXXX Statement dated XXXX, XXXXXXXX XXXX. CST. This statement shows the correct balance and payment information Exhibit C. 

On XXXX, I filed a complaint # XXXX with the CFPB for failure to provide certified proof that the account was valid and accurate. In Exhibit D you will find a copy of the CFPB Complaint. 

Credit Reporting Agencies have a duty to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau provide certified proof that the information that they publish or provide is in fact 100 timely and accurate.

Credit Reporting Agencies can not simply say that the information was certified. You must also produce said certification when I consumer asks for it, which is their right under the FCRA. 

The evidence that I have attached proves that you did not conduct independent investigations of my dispute because the balance and payment amounts are and have been incorrect, inaccurate, and not timely. ( Copied from attached Affidavit ) ****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: MI

Complaint narrative:
I sent disputes to credit bureaus to dispute inaccurate negative items and have not received a response after several attempts to resolve the issue. The bureaus have not resolved my concerns, they have not completed their investigations in the allotted time frame, and the inaccurate information has remained on my credit report without being verified per my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation