vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I received a credit alert from a VANCE and HUFFMAN , llc. on my credit report with XXXX XXXX wit a XXXX XXXX collection account. I have no knowledge or any attempt from this company. The time is suspect as the debt is showing on my record to reman until XXXX  which is 2 years away. This debt is possible out of the time line and I have asked to show my contractual original debt information. 

There seems to be a racketeer with Debt agencies and credit reporting companies. Once they notice individuals/consumers are trying to affix and maintain their improved credit records, they locate some old debt and try to harm the individual. The credit bureaus seem to be in the loop as well. Times have brought out those that profit and prosper on other 's misfortunes. ( as some have had medical, layoffs and other unfortunates that keep one in perpetual free fall in financial restraint ). 

ISSUE I was never given a chance to discuss, discover or otherwise on this debt with the collection agency, before it is placed on my credit. The debt agencies are suppose to give you notice and time, not just stick on your credit. No dates or time line given. It shows up as Derogatory on XXXX. I haven't had a chance to make any type of action. This is the first I have heard of the aforementioned agency. 

This is an attempt to create a new debt, that isn't! This is wrong and so PREDATORY OF CREDIT AGENCIES, SPECIFICALLY THE AFOREMENTIONED HUFFMAN & LLC.. IF I SPOKE TO THEM, I WOULD HAVE REQUESTED TO PROVIDE VERIFICATIO OF DEBT AND ACTED ACCORDINGLY with regards to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Att has been trying to exhort me for money I dont owe them. I have told them that, and provided them proof that if and when an account was opened up there I wasnt living in the property, however my x-wife resided at the property after we split, and then she rented it, before we got divorced and sold it, they have been trying to collect {$390.00} or sometimes XXXX, and other amounts, from me and I called them about this and they said they would get it corrected and removed, but the harassment and assault to my credit by four different collections agencies since XXXX has not ceased and I'm tired each time I have had to spend countless hours and time and resources to have it removed from my credit report and it needs to stop. XXXX XXXX XXXX. XXXX XXXX XXXX, some other company, and now XX/XX/XXXX, I.C. System Inc. This has got to cease, this is illegal, for any all and all companies to just throw a charge on your report as many times as they want without honorable merits, I asked for my id or signatures of the contract, they never provided it, nothing but statements generated that I didnt own or make a bill for in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
To Whom It May Concern, For the past 90-120 days I have tried to work with American Honda Finance regarding a 1x30 day late in XX/XX/2021 they are reporting to my credit profile. 

I was never late as the account was setup on autopay. I have submitted two letters conveying what occurred and American Honda Finance has not responded to either letter.

The customer service call department refuses to talk about my issue and continues to promote that my dispute/demand must be put in writing. 

Please help me get this error corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For over 3 months weve been going through the process of refinancing a rental condo with Chase bank. After providing them with everything and even having an email from them that everything was approved, the suddenly denied the loan stating that the income to debt ratio did not meet their requirements. They had this information from the very beginning. It seems like the only reason they didnt approve the loan is they didnt want to honor the lower adjusted rate offered with the condition that I transfer money to their bank, which I did. I have an email from them stating everything is cleared and all that needs to be done is for them to make the rate adjustments, and then suddenly they came up with this lame excuse about information they had from day one and had still approved the loan. What they did to me and my sister should be illegal. We went through so much stress and XXXX and provided everything they asked for and only because they didnt want to honor the rates originally offered, they dropped the ball last second.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: CA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX {$800.00} XX/XX/2019, CREDITOR XXXX XXXX, OLIVER ADJUSTMENT COMPANY XXXX XXXX,, {$760.00} XXXX XXXX,,, {$150.00}., CREDITOR XXXX XXXXXXXX XXXX SC NOT UNDERSTANDING HOW THIS MAY HAVE OCCURED.IAM AXXXX YR OD FEMALE THAT HAS GOTTEN MEDICAL ASSIS FROM THE STATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I paid off two credit cards totaling {$2500.00}. Balances left @ {$0.00}. Debt to credit ratio dropped to 2 %. Transunion dropped my credit score by XXXX points. No other activity or changes posted. I assumed it was a mistake and gave them a few weeks. XX/XX/XXXX I open a support chat online and was given general info. I called Transunion and verified my identity and my report was looked at. I was given a ridiculous the excuse, " They can't make changes to my score because system does it automatically ''. I couldn't access my report or score online because I had just opened a dispute for fraudulent " XXXX XXXX '' collections by XXXX for {$1200.00} after recently disputing the same charges by another collection agency. I made myself very clear that no other changes were made to my report besides dropping my debt to credit ratio. I also explained that I was denied credit by XXXX because XXXX XXXX only utilizes Transunion for their reports. While a few days later I acquire store credit from Stores that do not use Transunion solely. I was denied credit because the phone operators did not look in to my account. This is probably because they are swamped or don't have the clearance to make corrections. Reading from a script might be okay for telemarketing but it's not acceptable when it comes down to protecting consumers from fraud and theft. I didn't expect to be denied credit and ignored while working extremely hard to repair my credit to purchase a home soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 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: HI

Complaint narrative:
On XX/XX/2021, I sent a certified letter to EXPERIAN disputing the XXXX XXXX XXXX ACCOUNT # XXXX, EXPERIAN responded saying they verified this account as accurate, however on my recent report the " STATUS UPDATED '' did not change and under the " COMMENTS '' section Nothing was mentioned about my Dispute at all. So obviously no Independent Investigation was actually done by EXPERIAN. I am requesting deletion based upon the fact that EXPERIAN did not follow procedures as outlined in the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I a natural person was issued a false debt that was placed on my credit report. I contested this false accusation with JPMorgan Chase and they sent documents which I have uploaded alongside this complaint with false validations of said debt. This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. Enclosed I have attached a document detailing what is transpiring due to this false accusation of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: LA

Complaint narrative:
My monthly installments were paid before being turned over to collections. I also paid an extra future installment payment and ally financial agrees with me that my payments are up to date plus one month ahead of the billing statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: GA

Complaint narrative:
The original debtor is closes and is unable to contact the gym. I never had an account at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal credit Union logged on my account on XX/XX/XXXX and transferred {$1000.00} Dallors to a credit card that I gave them XXXX Dallors to start already. They wont let me file a claim I did not authorize this i did not give them permission to log on my account from a XXXX web browser.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I, a natural person was issued a false debt that was placed on my credit report. I contested this false accusation with JPMorgan Chase and they sent documents which I have uploaded alongside this complaint with false validations of said debt. This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. Enclosed I have attached a detailed letter of my ongoing experience with this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: FC HoldCo LLC
State: NC

Complaint narrative:
FLAGSHIP ACCEPTANCE XXXX XXXX XXXX XXXX,TX XXXX

XX/XX/XXXX 

Re: Unauthorized Credit Inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: CA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: WSFS FINANCIAL CORPORATION
State: NC

Complaint narrative:
My husband and I applied for a mortgage loan and had to sign off on the credit report however, on the report from all 3 credit report agencies it shows I have the exact same loan with a different account number open on the report and the same open date, etc meaning 2 active student loan accounts. I contacted my current loan agency and can attach their response ( it wouldnt allow me ) to me but in a nutshell they say I only have 1 active account on their end but they think the last account holder never closed the loan out after they sold it to them. The creation date for both is XX/XX/XXXX the last loan agency handled my loan until XX/XX/XXXX and then it went to my current loan agency. One loan says I owe {$36000.00} and the other {$36000.00}. This is affecting everything I apply for when it comes to credit and its not even my fault. I need help, please. 

I have lots of documentation via email about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So i checked my online credit card account from bank of America around XX/XX/XXXX and realized there was a charge for XXXX from XXXXXXXX XXXX XXXX which the transaction date was XX/XX/2021. So i called BofA to report this fraudulent transaction. They denied my claim 2 weeks later saying " it was a contactless transaction, therefore your card was in your pocession ''. Obviously it was in my procession but I DID NOT MAKE THIS TRANSACTION. They are not helpful at all. And I never do contactless transactions ever. They even looked at my history last time I did contactless was in XXXX which shows that I rarely use contactless method. They even canceled my old card and sent me a new card but still denied my claim. This is ridiculous. I always pay my bills on time and never am late on payments. I want my money back and I've read a lot about BofA doing this to a lot of their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I get setup on a 'hardship program ' with Braclays Bank Deleware Frontier Mastercard on XXXX XXXX, XXXX. The setup a scheduled payment for the program for the XXXX of each month thereafter ; on XX/XX/XXXX the payment drafted my account, when I reviewed my bank account on XXXX XXXX, XXXX, I did not see the monthly payment debited. I called that day and found out they only scheduled XXXX for autopay, and I make XXXX payment on XX/XX/XXXX in full. I then found out through my credit monitoring service that my score dropped about XXXX points because Barclays reported me 30-days late. I called Barclays back to find out what happened, they then proceeded to tell me that a prior statement went out around the same time I had enrolled in the hardship program, at the end of XXXX, and that was likely why it was reported to my credit as late. So they said they would credit the account for some interest and other fees that I was charged, and required me to make an additional payment to get the " account current '' ; but I was not otherwise made aware this account had an outstanding balance when I setup the payment program. I was told the payments that they scheduled, and the {$230.00} per month was all that was needed. So after waiting on credits to update on account, they still did not properly report to credit bureaus that my account was not late. It has never been 30-days late, and for the month of XXXX, XXXX where my credit report is showing a 30-day late status, the payment was made within 5 days of the due day, which I had thought was setup as an automatic payment. The account was Never close to 30-days late. 
Payment XX/XX/XXXX ; conf # XXXX Payment XX/XX/XXXX ; conf # XXXX ( I also setup 12-month automatic payments to ensure this was not an issue ) Payment XX/XX/XXXX ; conf # XXXX Clearly you can see there were no 30-day late payments. I have not had a 30-day late in 26 years on my credit... this is inaccurate and severely damaging to my credit and at this time I am trying to do a refinance on my home. This credit impact will prevent me from getting the best rate, and can cost me thousands of dollars in interest over the term of a home refi. I need this inaccurate reporting removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
FAILURE TO LEGALLY VERIFY I SUBMITTED NOTARIZED DOCUMENTATION REQUESTING VERIFICATION ON THE DAYS OF : XX/XX/21 - ( XXXX ) CERTIFIED MAIL XX/XX/21 - ( XXXX ) CERTIFIED MAIL RESULTS OF BOTH INVESTIGATIONS CAME BACK AS VERIFIED WITH NO DOCUMENTATION PROVING OWNERSHIP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: SC

Complaint narrative:
Hello, this is a follow-up for a request to provide more information for COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE Communication tactics. 

I have provided correspondence with XXXX homes from XXXX. When I log into the portal link, it states I don't have a complaint. Please see complaint # from XX/XX/XXXX. Thx.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TX

Complaint narrative:
On XX/XX/2021. I wrote Equifax requesting their method or methods of verification regarding two bankruptcies that they are reporting on my Equifax credit report. I requested that the method or methods of verification be mailed to me. To date I have not received any mailed responses from Equifax. I know that Equifax has received my letter of request as I have attached proof of the letter of my request of verification and returned certified mail receipt.

Company response to consumer: Closed with explanation