vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
We are federally protected consumers and Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.

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 2020-08-19 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX/XXXX   XXXX {$0.00} XXXX XXXX {$28000.00} US DEP ED XXXX {$45000.00} US DEPT ED XXXX {$55000.00} XXXX XXXX {$4500.00}

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 2020-08-19 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$0.00} XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$45000.00} XXXX XXXX XXXX XXXX {$55000.00} XXXX  XXXX {$4500.00}

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 2020-08-19 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: MO

Complaint narrative:
Experian refuses to remove an inquiry even though they have been notified by the creditor that it is a case of fraud. Someone applied for a XXXX XXXX XXXX credit card with my information. XXXX XXXX  notified the three credit reporting agencies that the inquiry was not mine, and all but Experian removed the inquiry from my credit report. XXXX XXXX  says that they have done all they can and that it is Experian. Experian says that they verified the account and that they are not removing it. I am stuck between a rock and a hard place, as it appears that it will take the Consumer Financial Protection Agency to get the account removed from my credit file.

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 2020-08-19 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: CA

Complaint narrative:
Reported credit error and gave them 30 days to fix/delete. It has now been 76 days and they have still not deleted erroneous information.

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 2020-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I applied for a mortgage refinance on XX/XX/2020 with Navy Federal Credit Union. On XX/XX/2020 NFCU advised they received the home appraisal completed. The processor advised me we were within 2 weeks of closing. The file was transferred from XXXX XXXX to XXXX XXXX. He did not return calls or emails with me. He states he did not receive rate lock in paperwork. He delayed even requesting subordination on the loan until I started calling the main line and complaining and requested title company information be added by the representatives. By this time I had been escalated several times to managers. XX/XX/XXXX XXXX XXXX supervisor requested updated information..paystubs etc. I was not happy but did resubmit. I complained online on social media Asking for my money back-then they asked for another credit report and transferred me to XXXX XXXX a new mortgage processor. I am still waiting and being stalled its XX/XX/2020. I called and confirmed with XXXX  XXXX XXXX they only received the request for subordination XX/XX/2020 and it should take them 7 business days to respond. A simple refi should not take 8 or 9 months. A class action lawsuit needs to be brought against them. This is happening to many borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: Freedom Mortgage Company
State: UT

Complaint narrative:
In XXXX of XXXX Freedom Mortgage lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at Freedom Mortgage but was never processed. When we discovered our payment had not cleared the XXXX XXXX my wife call Freedom Mortgage. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with Freedom Mortgage : 1. 13 phone calls with dates and names of Freedom Mortgage representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing Freedom Mortgage has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was XXXX we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX XXXX XXXX was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other Freedom Mortgage customers aren't put through what we have been through. Please help!!!

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 2020-08-19 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX  refuses to remove an inquiry even though they have been notified by the creditor that it is a case of fraud. Someone applied for a XXXX XXXX XXXX credit card with my information. Comenity Bank notified the three credit reporting agencies that the inquiry was not mine, and all but XXXX  removed the inquiry from my credit report. Comenity Bank says that they have done all they can and that it is XXXX. XXXX  says that they verified the account and that they are not removing it. I am stuck between a rock and a hard place, as it appears that it will take the Consumer Financial Protection Agency to get the account removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
This past spring I was in the process of paying my Target store credit card bill. This time when I put in my name and password someone else 's name came up on my account with his store charges but my home address. I immediately contacted Target customer support. When I identified my name to the customer service rep, he too asked why is someone else 's name on the account? They said they'd fix the problem and I said I wanted to wait to pay my bill UNTIL my name was on MY billing statement. Apparently that took a few weeks but when it was finally straightened out I immediately paid off my bill in " full '' to a zero balance. Target said they would not charge me a late charge but to my big disappointment they DID report my account as paid in full but past 30 days late. That's not right! I tried to pay my bill but was afraid I was paying someone else 's bill. It is stopping me from getting a refinance on my home loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19 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: GA

Complaint narrative:
I am filing this complaint against XXXX  XXXX. I have requested information from XXXX  to confirm if a debt is accurate. I included my social security card and drivers licensed. The company did not respond. An example of how serious this fraud claim is, XXXX XXXX XXXX Account # XXXX for Loan Amount {$5500.00}. This company is committing fraud. I am requesting that XXXX  request the original contract and any move-in sheets before and after be provided. Companies are able to put these false claims on a credit report without having any documentation to show an agreement existed or that the amounts owed are accurate. In the case of XXXX XXXX XXXX, representing XXXX XXXX. I never signed a lease with the apartment complex. When I asked to sign my lease the managers assistant told me not too. When I moved into the apartment I was harassed so much by management because the assistant saw the error the manager made and use me to get the attention to its corporate office. I was recovering from XXXX and stage XXXX XXXX and the harassment was affecting my health. I would request heat and get no response ( remember my health was bad ), I provided documentation to show how roaches and ants was coming through several unsealed cracks. The management said it was renovated! 
XXXX  needs to request the signed lease and pre moved signed check list for XXXX XXXX under XXXX XXXX from the XXXX XXXX XXXX. This same request for information is for XXXX XXXX XXXX XXXXt Account Number XXXX. In the case of Account number XXXX for {$2400.00}. I cancelled my XXXX service with XXXX XXXX XXXX in XXXX for poor billing process. As a result I am requesting the original contract for my phone service and the cancellation documentation for XXXX service. 
The account XXXX XXXX XXXX Account Number XXXX {$4400.00} is an account I tried to contact but the company would not send the original contract for me to review. Please have XXXX  send these companies my request for documentation to prevent fraud on my report. I am sending this request through the CFB to track the response from XXXX  for these requests. If this information is not provided by XXXX  with in 30 days, I would like the account removed from my credit report until the information is provided. I am exercising my rights under Fair Credit Reporting Act 609 and 611. 

Attached are the accounts from my report in which I am requesting the original documentation. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA 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 2020-08-19 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 am filing this complaint against XXXX  Credit. I have requested information from XXXX  to confirm if a debt is accurate. I included my social security card and drivers licensed. The company did not respond. An example of how serious this fraud claim is, XXXX XXXX XXXX Account # XXXX for Loan Amount {$5500.00}. This company is committing fraud. I am requesting that XXXX  request the original contract and any move-in sheets before and after be provided. Companies are able to put these false claims on a credit report without having any documentation to show an agreement existed or that the amounts owed are accurate. In the case of XXXX XXXX XXXX XXXXepresenting XXXX XXXX. I never signed a lease with the apartment complex. When I asked to sign my lease the managers assistant told me not too. When I moved into the apartment I was harassed so much by management because the assistant saw the error the manager made and use me to get the attention to its corporate office. I was recovering from XXXX and stage XXXX XXXX and the harassment was affecting my health. I would request heat and get no response ( remember my health was bad ), I provided documentation to show how roaches and ants was coming through several unsealed cracks. The management said it was renovated! 
XXXX  needs to request the signed lease and pre moved signed check list for XXXX XXXX under XXXX XXXX from the XXXX XXXX XXXX. This same request for information is for XXXX XXXX XXXX XXXX  Account Number XXXX. In the case of Account number XXXX for {$2400.00}. I cancelled my XXXX service with XXXX XXXX XXXX in XXXX for poor billing process. As a result I am requesting the original contract for my phone service and the cancellation documentation for XXXX service. 
The account XXXX XXXX XXXX  Account Number XXXX {$4400.00} is an account I tried to contact but the company would not send the original contract for me to review. Please have XXXX  send these companies my request for documentation to prevent fraud on my report. I am sending this request through the CFB to track the response from XXXX  for these requests. If this information is not provided by XXXX with in 30 days, I would like the account removed from my credit report until the information is provided. I am exercising my rights under Fair Credit Reporting Act 609 and 611. 

Attached are the accounts from my report in which I am requesting the original documentation. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: Diverse Funding Associates LLC
State: PA

Complaint narrative:
Collector called my place of employment numerous times after I asked them not to. Collector called my boss and asked the best way to gain entry to inside the building. Collector threatened my spouse stating that she pay my debt now or face wage garnishments of 25 % or a seize of joint bank accounts will occur. Collector calls my phone an obscene amount of times in a 24 hour period. Collector has threatened to sue me. Collector states they need me to meet them somewhere for serving me legal documents. 

I offered to set up a monthly payment plan in an attempt to pay off an extremely old debt ( 4 years old XXXX Collector refuses my attempts to settle.

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 2020-08-19 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:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$900.00} XXXX XXXX XXXXXXXX {$320.00} XXXX XXXX XXXX {$500.00} XXXX XXXXXXXX {$120.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1100.00} XXXX  XXXX {$8200.00} XXXX XXXXXXXX {$3300.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX XXXXXXXX {$500.00} XXXX XXXXXXXX {$900.00} XXXX XXXX {$3700.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
Pendrick capital llc has been harassing me since last year during the winter time. Ive called them in XXXX of this year along with the collection agencies they hire to collect the money owed. And they gave me different amounts owed to different companies, they have threatened me to get penalized by the courts ; they have contacted friends, they continue to harass me through calls letters and adding new collection agencies to my account. Lack of response to debt verification and inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO OBTAIN THIS ACCOUNT AND INQUIRY WITHOUT FIRST BEING AUTHORIZED BY ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I am looking for removal of their reportings on all major credit bureaus, a copy of the contract between myself and IQ DATA INTERNATIONAL INC, and per my fee schedule on my XXXX  I requested {$25000.00} that I can legally sue them for at this point a per XXXX they have NOT furnished anything and administratively I am now holder in due course of this arrangement per their silence and admission of falsely defaming my name publicly, I am requesting {$10000.00} for use of my Social security number per my XXXX filing Number XXXX. They have been notified not to contact me via phone but by written correspondence only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
Collector called my place of employment numerous times after I asked them not to. Collector called my boss and asked the best way to gain entry to inside the building. Collector threatened my spouse stating that she pay my debt now or face wage garnishments of 25 % or a seize of joint bank accounts will occur. Collector calls my phone an obscene amount of times in a 24 hour period. Collector has threatened to sue me. Collector states they need me to meet them somewhere for serving me legal documents. 

I offered to set up a monthly payment plan in an attempt to pay off an extremely old debt ( 4 years old ) Collector refuses my attempts to settle.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation