vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app orally threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29 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: KS

Complaint narrative:
I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app XX/XX/XXXXthrew me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: KS

Complaint narrative:
I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app XX/XX/XXXX threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app XX/XX/XXXX threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: FL

Complaint narrative:
Upon checking my credit report I found a delinquent account for {$1800.00} that was not mine. It was at in XXXX XXXX hospital in XXXX XXXX XX/XX/XXXX on XX/XX/2016. On this day I was actually in court. Proof and documentation that was submitted to original creditor debt collector as well as the credit reporting agency. Upon asking where this bill came from, where this account came from, who do you original creditor was, XXXX XXXX XXXX told me that the original creditor was XXXX hospital XX/XX/XXXXon the date of XX/XX/2016. I worked extensively with XXXX XXXX and XXXX XXXX of XXXX hospital XXXX XX/XX/XXXX Eating them their investigation in supplying all the different reports police reports and documentation needed. Both XXXX XXXX XXXX and Miss XXXX verified that this was not me it was a fraudulent account and that it should not be reported on a credit bureau agency again. They told me that they reached out to everybody that they could to inform him of this year vacation. But XXXX XXXX and Experian both kept reporting it and said that it was a dollar discount. Even XXXX XX/XX/XXXX who I also submitted all this documentation along with the letter from the hospital said that they had submitted it for removal it would just take a break and out of time. However XXXX XXXX and Experian decided they wanted to keep it on there even with it being verified from the original creditor And debt collection agency that it was not mine it was fraudulent that it was deemed to be removed.I mean they had the LETTER from the original creditor saying that it was not mine! I find this very irresponsible especially in with the Covid pandemic we were all struggling beyond Our wildest imagination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank is holding loan in suspense {$17000.00} since XX/XX/. This is wrongful interference of a third party loan. The loan is Incurring interest and I would like returned to XXXX treasury immediately on my behalf so that funds can be reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: FL

Complaint narrative:
Upon checking my credit report I found a delinquent account for {$1800.00} that was not mine. It was at in XXXX XXXX hospital in XXXX XXXX XX/XX/XXXX on XX/XX/. On this day I was actually in court. Proof and documentation that was submitted to original creditor debt collector as well as the credit reporting agency. Upon asking where this bill came from, where this account came from, who do you original creditor was, XXXX XXXX XXXX told me that the original creditor was XXXX hospital XX/XX/XXXX on the date of XX/XX/2016. I worked extensively with XXXX XXXX and XXXX XXXX of XXXX XXXX XXXXXX/XX/XXXX Eating them their investigation in supplying all the different reports police reports and documentation needed. Both Mr. XXXX XXXX and Miss XXXX verified that this was not me it was a fraudulent account and that it should not be reported on a credit bureau agency again. They told me that they reached out to everybody that they could to inform him of this year vacation. But Trans Union and XX/XX/XXXX both kept reporting it and said that it was a dollar discount. Even XXXX XX/XX/XXXX who I also submitted all this documentation along with the letter from the hospital said that they had submitted it for removal it would just take a break and out of time. However Trans Union and XX/XX/XXXX decided they wanted to keep it on there even with it being verified from the original creditor And debt collection agency that it was not mine it was fraudulent that it was deemed to be removed.I mean they had the LETTER from the original creditor saying that it was not mine! I find this very irresponsible especially in with the Covid pandemic we were all struggling beyond Our wildest imagination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: AZ

Complaint narrative:
As per case # XXXX, Equifax, in witness of the CFPB, had accepted my claim and provided a resolution of removing the fraudulent collections account. Once the case was closed, Equifax, behind the CFPB 's back, went ahead and added it back to my account. I don't know if this is in error, but it is a very concerning matter that the CFPB ought to look into to make sure these large financial institutions don't engage in large scale fraud. Please make sure that Equifax 's agreed upon resolution from the previous case is enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My report through Equifax website continues to show blank. They have attempted to correct this but it still shows blank. The last time they tried to correct this it reinserted trade lines that were disputed and removed prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NC

Complaint narrative:
Experian continues to reinsert this trade line. The information isn't correct or 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 explanation
Consumer complaint received 2020-11-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX continues to re-age this account. It's well over 7 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NC

Complaint narrative:
I see 30 inquires on my report. This should have never happened with a fraud alert placed. I was never contacted for these inquires and I have no idea what they are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NC

Complaint narrative:
On XX/XX/2020 I sent a request demanding verification of accounts reported by physical verification according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I have not received physical verification, method of verification, nor the items removed from my credit report as stated by law. I have also sent a 30 day demand to comply letter with no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NC

Complaint narrative:
EQ shows a lot of inquires I did not make. I would like to know how this happened when there should be a fraud alert on my file stopping these. I wasn't contacted to obtain any new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Have two credit cards/debit card that were stolen last night XX/XX/2020. One for XXXX XXXX and one for XX/XX/XXXX debit. 

Charges were all done last night for XXXX, XXXX, XX/XX/XXXX, charges amount from {$0.00} to {$32.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NC

Complaint narrative:
I found an account just showed up on my credit report that states I am an authorized user. I have no knowledge of this account and have never authorized anyone to make me an authorized user on their card. I called the company and they state they do not have my name, address, social security number or any other information on me in their data base as an authorized user. I then contacted Equifax over 4 months ago about it and they still have it listed on my credit report and have not given a result as to when they will investigate this. Everyone is stating I should leave it since the account is in good standing but it'snot mine so I don't want it. I have my own good credit. I really need help getting this off my credit report. The actual credit company told me that Equifax has to be making a mistake because I'm not in their system. They also told me that Equifax may have captured someone elses that is similar to my name credit information and is reporting it on my report. They are also reporting an address in XXXX XXXX XX/XX/XXXXwhere I have never lived. 

Please help the fraudulent account is XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$4500.00} In good standing Overview You're currently using 44 % of your account 's limit. 
Balance {$4500.00} Credit limit $ XXXX  Monthly payment {$150.00} Opened XXXX XXXX, XXXX ( 3 yrs, 2 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status OPEN Type Credit Card Responsibility Authorized User Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have a checking account with Huntington Bank. It's been more than once the bank updated my contact information without my knowledge, and then they do that my password is being updated so that I will not be able to access my a coint at crucial times. I need an criminall investigation on thos. Also CFB is not taking my complaints seriously as they never contacted me about any of my complaints in the past and that's the whole reason the problem is recurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been unable to log into my Transunion account online since XX/XX/2020 ... I have contacted Transunion on 4 different occasions via phone attempting to get access to my account online so that I can see my credit score and manage my accounts to ensure there are no errors, as well as manage my freeze on my credit profile and I have not been successful. They have provided me with an error code of # XXXX, via phone, but this error code has not been fixed to allow me to access my credit report on line, so I can monitor it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went into my account on XXXX to process my payment prior to the due date of XX/XX/XXXX. In an attempt to process the same day. The system would not allow for a payment to be scheduled until XX/XX/XXXX!! This making my payment over 30 days delinquent and I do not want or need an over 30 on my credit report. There should not have been any reason that I can't make a payment 24 hours a day 7 days a week on the internet and schedule it the day of. 
Even if they have a cut off I still should have been able to schedule the payment for XX/XX/XXXX This is not right and as a consumer I should not have an over 30 mark. 

This is the second time that I have become a victim to this with capital one. When I received an extension when COVID 19 hit I processed the extension and they still have an over 30 on by bureau from that time frame when I processed the extension well before my due date I need both of these marks removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NC

Complaint narrative:
On XX/XX/2020 I sent a request demanding verification of accounts reported by physical verification according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I have not received physical verification, method of verification, nor the items removed from my credit report as stated by law. I have also sent a 30 day demand to comply letter with no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I did a 6 month forbearance and have set up a payment plan, that took weeks to do with Loancare because no one knows what they are doing and different information is provided with each call. Now I am trying to refinance my loan with another lender, to rid any affiliation with XXXX/Loancare, and they are reporting I am behind in payments though I paid {$5000.00} in XXXX and {$8700.00} in XXXX. The payment plan was supposed to be {$4600.00} ( double payments ) for 6 months. I have paid far more than required according to the payment plan but they are holding extra money paid in a " suspense account '' until the forbearance is completely caught up instead of applying to the funds directly to a payment or paying the current months payment. They are also holding our property taxes in an " escrow overdraft account '' and the property taxes are paid through our escrow and was not supposed to be held separately. I have been unable to close on the refinance because of the information Loancare is reporting to the credit bureau and because they are showing my account as delinquent and behind in payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NC

Complaint narrative:
On XX/XX/2020 I sent a request demanding verification of accounts reported by physical verification according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I have not received physical verification, method of verification, nor the items removed from my credit report as stated by law. I have also sent a 30 day demand to comply letter with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is not reporting my Mastercard ( revolving account ) on my credit profile history. I have 2 credit card accounts through XXXX XXXX. 

1. XXXX  XXXX Visa ending in XXXX XXXX. XXXX  XXXX Mastercard ending in XXXX XXXX XXXX communicated to all 3 credit bureaus including Experian to report these accounts onto my credit profile history. 

I've attached this letter that XXXX XXXX wrote me notifying me of this. And yet to-date, Experian still is not reporting my Mastercard on my credit profile history these revolving accounts -- -attached is a screenshot of my Experian.com account showing only 1 revolving account ( Visa ) being reported -- should be 2 revolving accounts XXXX XXXX Visa + XXXX XXXX Mastercard

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