vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCE CORPORATION
State: FL

Complaint narrative:
I took out a personal loan in person with One Main Financial in XX/XX/2016. 36 month loan. Personal unsecured loan for {$2500.00}. They required me to have XXXX XXXX and XXXX. I lost my job XX/XX/2016, but continued to make the payment, after several months I became behind. I reached out to them several times in hopes of help. I asked about the XXXX XXXX, and they told me I didnt qualify, even though I had been paying for the product the entire time. I also signed the papers in person with an ink pen! Well XXXX of this year they took me to court to sue me for even more then the loan amount! My balance was {$1100.00}. They want to collect {$2700.00}. They are thieves! Not to mentions I was protected! Also they put in the court documents that it was a secured loan, which it wasnt, and that I signed it electronically, which so didnt, and my initials werent even correct on the loan documents. This company originally was Spring Leaf Financial. Its like they reproduced fake loan documents to take me to court to place a judgement against me for double what I owe them! This is robbery! And Fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account was fraud, see police report. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX show negative comments from victim of identity theft/Fraud, etc. Including each bureaus i.e. Trans Union, XXXX, and 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 2020-03-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Account was fraud, see police report. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX show negative comments from victim of identity theft/Fraud, etc. Including each bureaus i.e. XXXX XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
Made a payment XX/XX/XXXX for {$480.00} told I had to make at least one payment.

I had been to them two weeks before and told they couldn't take a {$100.00} payment. 

XX/XX/XXXX paid {$150.00}. 
XX/XX/XXXX paid {$400.00} ( on the app ). 
XX/XX/XXXX paid {$110.00} ( on the app ) XX/XX/XXXX paid {$84.00} ( on the app ) I borrowed {$800.00} on XX/XX/XXXX to take care of excessive utility bills. 
I borrowed {$500.00} on XX/XX/XXXX and then {$1500.00} on XX/XX/XXXX. 

It appeared to be regular interest. Yes, I signed on the computer but didn't know about excessive fees. These loans are not meant to be paid off and trapped the consumer. I didn't have money to go to the grocery store because the manager told me they had to have a full payment. Now this Coronavirus stuff is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: NY

Complaint narrative:
Not my information reporting

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 2020-03-14 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: FL

Complaint narrative:
I Have been making on time payments to my credit cards and car loan, I even make more payments toward the accounts, I have been checking XXXX XXXX and I notice that XXXX  and Transunion they are reporting my payments on time, but the problem it is that they are not giving me points to my credit score, I do see some account have been increase on the credit use and for those they do subtract me point a lot of points, but they don't give me points on my credit score. I have been trying to dispute and fix it for a while and I don't see results.Recently my XXXX card was paid in full, was reported to XXXX XXXX and no points to Transunion or XXXX, XXXX has XXXX balance and still shows with a balance of XXXX, I made an extra payment to my car balance shows reduce from my credit report and no points to my credit score. All credit reports show different numbers a balance that they don't fix. On XXXX  I logged in to a service to see if my social was a breach victim and it was. Base on XXXX  website they will give XXXX or a free year credit report, so I decided to get the XXXX and I haven't see the payment. everything it is a negative thing.

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 2020-03-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have never missed a payment with XXXX XXXX XXXX. In XX/XX/2019 I made a payment in full. This payment posted on my XXXX XXXX account as paid. A few days later I took out another loan. I had no more payments for XXXX XXXX. XXXX has reported me late for this account twice. They had an error with there payment transactions not me. I was called by a XXXX  Representative in XXXX she called XXXX XXXX we resubmitted a payment the account representation told her they would update the information for the 30 day late notice removing the 30 day late. The information that was updated is incorrect. My credit score dropped significantly over this late designation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have never missed a payment with XXXX XXXX XXXX. In XX/XX/2019 I made a payment in full. This payment posted on my XXXX XXXX account as paid. A few days later I took out another loan. I had no more payments for Loan XXXXXXXX. XXXX has reported me late for this account twice. They had an error with there payment transactions not me. I was called by a XXXX Representative in XXXX she called XXXX XXXX we resubmitted a payment the account representation told her they would update the information for the 30 day late notice removing the 30 day late. The information that was updated is incorrect. My credit score dropped significantly over this late designation.

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 2020-03-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Someone within the bureaus has gone into my accounts and changed the status from paid to closed without my consent. I have not sent a letter stating to close an account that was paid. no one would or could unless it is the consumer. I have my account status from the national student loan database that reflects the status of all of my accounts with correct dates and amounts. THEY ALL SHOW " PAID ''

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 2020-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I filed a complaint previously with this company because they increased my interest rate while I was on XXXX XXXX. They responded to me on XX/XX/XXXX, stating that they were going to reduce my rate down since I am protected by the SCRA. 
I am still on XXXX XXXX and they increased my rate back up to 11.200 %. Also, my balance was {$39000.00} at that time. I have been making my payments and sending in extra, and my balance is {$39000.00}. They are not using the extra money that I send in to pay on my principal balance. 

My principle has barely lowerd since XXXX. SPS is charging higher interest twice. Once for not keeping my protected SCRA rate and again for not using the extra payment amount towards my principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
UPDATE ACCOUNT STATUS FOR LOANS TO " PAID '' WITH HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one card inquires on XX/XX/XXXX and XX/XX/XXXX XXXX card inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX   inquiry on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX card inquires on XX/XX/XXXX and XX/XX/XXXX Chase card inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX   inquiry on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX card inquires on XX/XX/XXXX and XX/XX/XXXX XXXX card inquiries on XX/XX/XXXX and XX/XX/XXXX Equifax mortgage services inquiry on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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 been a victim of Identity Theft. I Did not Authorize These Accounts.

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 2020-03-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I Have been making on time payments to my credit cards and car loan, I even make more payments toward the accounts, I have been checking XXXX XXXX and I notice that Equifax and XXXX they are reporting my payments on time, but the problem it is that they are not giving me points to my credit score, I do see some account have been increase on the credit use and for those they do subtract me point a lot of points, but they don't give me points on my credit score. I have been trying to dispute and fix it for a while and I don't see results.Recently my XXXX card was paid in full, was reported to XXXX XXXX and no points to XXXX or Equifax, XXXX has XXXX balance and still shows with a balance of XXXX, I made an extra payment to my car balance shows reduce from my credit report and no points to my credit score. All credit reports show different numbers a balance that they don't fix. On Equifax I logged in to a service to see if my social was a breach victim and it was. XXXX on Equifax website they will give XXXX or a free year credit report, so I decided to get the XXXX and I haven't see the payment. everything it is a negative thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX sold an account together with all my personal confidential information to Portfolio Recovery Assosiation, info like SSN, Names, Mailing adress, Birtday, Phonenumbers etc etc. After that Porfolio Rec Ass start calling me and harresting me true phone calls and mail letters I dispute for almost 8 months this account, asking for signed contracts between me and them, bill statement that show for how much they bought this account and my personal confidential information and any autorization that proof they have the right to use all my information. Months after months this company send me letters stating this account has been validated under my name and belongs to me. Finally Portfolio Recovery Ass closed this account and deleted all reporting from the credit agencies. BUT TILL THIS DATE NONE DOCUMENTS HAVE BEEN MAILED TO MY ADRESS THAT SHOWS FOR HOW MUCH THEY BOUGH ALL MY PERSONAL INFORMATION AND I AM STILL AFRAID THIS COMPANY WILL USE MY PERSONAL INFORMATION FOR MALICIOUS ACTIVIES FURTHER UP. IN THIS CASE ALLY FINANCIAL AND PORTFOLIO REC ASS ARE NOT COOPERATING IN MY REQUEST OF THE DOCUMENTATION ABOUT THE SELL/BOUGH OF THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX

Company response to consumer: Closed with explanation