vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 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: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX wrong status XXXX  XXXX XXXX wrong status XXXX   XXXX wrong status XXXX   XXXX wrong status INQUIRIES XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized

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 2019-10-16 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
CRA is in violation of HIPPA aswell as several consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: NV

Complaint narrative:
Hello, As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity : that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. Please assist me in remove these items from my report. 

DEPT OF ED/XXXX Reported : XX/XX/XXXX DEPT OF ED/XXXX Reported : XX/XX/XXXX {$13000.00} US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX{$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPT. OF EDUCATIO Reported : XX/XX/XXXX XXXX XXXX XXXX  Reported :XX/XX/XXXX {$1400.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$190.00} ETC : Please see attached FTC reports

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 2019-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CRA is in violation of several consumer protection laws.

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 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
We keep receiving phone calls from different phone numbers ( the most recent was XXXX ) informing that there is a " case '' on file that they intend to move to the court if not settled. The last voice message they left asked to call them @ XXXX to talk to their consultant. We didn't call as we have no legal cases with whoever it could be. And we have no intention to talk to them. If there is any issue we want have everything on paper first. 

These calls are repeated for long time during the last few years. 
We have no known to us issues with any vendor or service provider nor received any mail in any legal case. Internet research shows the phone number XXXX is often used by the company FFAM 360 First Financial Asset Management ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX ). The research also showed that there was a lot of similar to my complaints against this aggressive, harassing practices on behalf of this company. 

We do believe such practices should be stopped and prosecuted if continued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: NV

Complaint narrative:
Hello, As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity : that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. Please assist me in remove these items from my report. 

DEPT OF ED/XXXX Reported : XX/XX/XXXX DEPT OF ED/XXXX Reported : XX/XX/XXXX {$13000.00} US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPT. OF EDUCATIO Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1400.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$190.00} ETC : Please see attached FTC reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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: NV

Complaint narrative:
Hello, As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity : that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. Please assist me in remove these items from my report.

DEPT OF ED/XXXX Reported : XX/XX/XXXX DEPT OF ED/XXXX Reported : XX/XX/XXXX {$13000.00} US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPT. OF EDUCATIO Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1400.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$190.00} ETC : Please see attached FTC reports

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 2019-10-16 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: Convergent Resources, Inc.
State: OK

Complaint narrative:
I have a debt reported on my credit report from Convergent Outsourcing. It is for a debt claimed by XXXX. 
On XX/XX/2019 I submitted a request to XXXX to validate the debt in writing or remove the incorrectly reported account from my credit report. 
On XX/XX/2019 they mailed a letter refusing to remove it. They have not provided any proof in writing that the debt is mine. 
I do not owe XXXX anything and request XXXX XXXX to remove it from my report.

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 2019-10-16 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: IL

Complaint narrative:
CRA is in violation of several consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: EQUIFAX, INC.
State: KY

Complaint narrative:
My credit report has an incorrect formerly known as name listed and two former addresses listed that are incorrect. Can you tell me how this can be corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: OH

Complaint narrative:
I have contacted Transunion several times about the issue that I have with an account that they are reporting on my credit report. I have been trying to resolve the issue for the last few months. The account had been blocked from my report then later added back. Since then I have submitted letters to Transunion showing the Fair Credit Reporting Act 609 ( a ) stating that all accounts must be verified by federal law showing that all accounts must be verified by physical verification by the original signed consumer contract. As of this point the account has not been verified but remains on my report.

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 2019-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
online account access has been changed, Esxperian allowed someone to change my email address this is the 2nd time this has happened and I can not access my account I had a freeze on my account and this still was allowed to happen I could not access my account because the email address had changed I finally got through to a real person on the phone after 2 hours of trying and going through the automated system and getting disconnected when I finally got through to a person and went throught security questions i requested verification that email was in fact corrected, she said she couldnt send me an email I asked to talk to a supervisor and again had to wait on hold for 20 minutes the " supervisor '' who after explaining my situation hung up on me this is MY information they have access to and seem to not care what happens with it I work hard to keep my credit in good standing but it is a constant battle with Experian it seems that I have to constantly check with them again my information is being compromised and they do not seem to care keeps happening and I shoiuld not have to constantly check with them to make sure MY information is safe they have sloppy security 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 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I was paying modification payments when they foreclosed. Their trustee XXXX XXXX XXXX and Ditech never recorded the transfer of ownership. The city of XXXX continues to harass me and fines grow daily. Ditech has gone through 2 bankruptcies and XXXX will not return my calls. The property was broken into a distorted and Ditech kept the insurance proceeds.I received a letter congratulating me on the approval of the modification and the very next day when I called to make the payment ( XX/XX/2018 ) they wouldnt accept it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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 recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts 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 explanation
Consumer complaint received 2019-10-16 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 recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts 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 explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC
State: NV

Complaint narrative:
XX/XX/2019 The Complaint against Flagship Credit Acceptance : I am filing a complaint against the finance company named Flagship Credit Acceptance for their unethical practices. They worked in conjunction with XXXX to finance this car unlawfully. First scenario is that the contract is broken and inconsistent. We only signed a contract that states XXXX as our creditor not Flagship Credit Acceptance. Additionally, the rates and payments are different from the original and only contract we signed with XXXX versus the invoice Flagship Credit Acceptance sent nearly 20 -30 days later after the ordeal. Flagship typed up an invoice letter with a date that did not even match the date we received the invoice. We asked the dealership multiple times for the name of the finance company but they just said the company would get in touch with you! They knew if they gave us the Finance company name we would contact them and tell them not to do the deal. When we finally got the 1st invoice we called them and immediately told them not to do the deal. They said emphatically no ; and that they already paid XXXX and that we owed them. I am XXXX years old and financed multiple cars in my life and in every instance the finance manager always let me know what finance company would be financing the car and when they would be calling to go over the interest rate and the payment amount. Most importantly they adamantly stressed to let the finance company know you WANT THE CAR because if not they will not finance the car. In this case, they did not do that, they did not call us and verify the rates and terms they just sent and invoice that did not match the contract we originally signed therefore making the contract void. We have repeatedly asked Flagship Credit Acceptance to provide a signed contract that showed we agreed to their terms of the invoice and they refused. Iam asking for the XXXX dollars they forced on us unlawfully and the removal of this account off our credit report.

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 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid my statement balance in full in the amount of XXXX and after, Capital one charged me interest in the amount of XXXX. I called and asked them to waive this as it is a fee only balance and they refused. I am asking for this to be waived and my balance to be at XXXX since i paid the balance in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am a XXXX XXXX XXXX Veteran who receives VA compensation and SSDI benefits. I first learned of a civil default judgment against me by my Homeowners Association ( XXXX XXXX XXXX XXXX ). I was never served or notified of the hearing. However, around XX/XX/XXXX, I realized my bank accounts were frozen and more than $ 50K was held with respect to default judgement. I filed a claim for exemption ( XXXX ) and the hearing was held with Judge XXXX XXXX XXXX on Thursday, XX/XX/XXXX. The Judge ruled that my funds at PNC bank are exempt and that the holds on my accounts be removed. I took a copy of the order to the bank on Friday, XX/XX/XXXX. On Tuesday, XX/XX/XXXX, an order was faxed to XXXX XXXX of PNC Garnishment once again requesting removal of the holds on my accounts. On Wednesday, XX/XX/XXXX, the holds on my account are still in place. In addition, I received my SSDI direct deposit benefit which is also frozen despite the Judges order that the funds be released. 

I want XXXX XXXX and the PNC garnish department to be forced to comply with the Judges order. Anyone can look up the Civil Case ( XXXX ) and it states the Judge ruled the funds are exempt from garnishment on XX/XX/XXXX but, now, nearly a week later funds are still frozen, defying the Judges order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
When I open a checking account at Citi bank and replenish it. They immediately blocked it for me. Reporting that my personal information is incorrect or false. So if the information is incorrect, why did you then take the deposit at the opening? The money still remained on the blocked account and the Fraud Department promised to send a check to my home address. But more than a month has passed and I do not see the check. I was in brunch, they did not help me there.

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
GM is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ).

Ive been a customer at GM finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in XXXX of this year it expired. Usually its supposed to last for the whole lease term. So GM gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at GM and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from GM and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.

Company response to consumer: Closed with explanation