vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
I had a loan with American Honda that went to a charge off status years ago. After it went to that status we paid it in full once we were able to but i recently noticed when i pulled my credit report that it still showed a balance of XXXX I notified the company and they show it as paid in full with no balance on their end and said they would notify the credit bureaus. I have disputed this with the credit bureaus but have not had success in getting the balance removed. Please help me as i need to have this shown accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Home Depot credit card account. 
11 purchases not made by me. All at the XXXX, XXXX Home Depot store where I have never been. 
All fraud. 

XXXX {$970.00} XXXX {$1100.00} XXXX {$990.00} XXXX {$890.00} XXXX {$990.00} XXXX {$980.00} XXXX {$990.00} XXXX {$1900.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1100.00} Again these are all fraudulent charges. I have disputed this with Home Depot to no avail. I filed a police report with the XXXX Illinois Police department. They are investigating. I don't know what else I can do but I am not paying for things I did not buy. 

Thank you

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 monetary relief
Consumer complaint received 2021-02-02 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: CA

Complaint narrative:
Experian is reporting my HELOC loan incorrectly as if it were open and an active revolving credit account. It is actually closed and in the repayment phase. I have a letter from XXXX confirming that it is in fact closed and not active and in a repayment phase. XXXX and XXXX are both reporting this accurately but Experian continues to report it incorrectly as an open revolving credit line. 
It originally had a XXXX limit which was never used fully but when the 10 year term expired There was a total of XXXX spent. This is the figure that Ive been paying back as a 2nd mortgage, not the limit of an active revolving credit account which is what Experian is currently reporting. It completely throws off my credit utilization amount and needs to be reported correctly as a mortgage loan.

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 2021-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchase a car for XXXX dollars I gave XXXX down payment when I get my statement from the bank it says the loan was for XXXX I went to the dealer and ask for the original contract since he never gave me one he was suppose to mail it to me he claims he dont have It the bank sent me a copy and you can clearly see that my signature was forged I have proof that they advertised the car for XXXX online which is where I found and contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my LAWYER Asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/20 : XXXX XXXX XXXX  XXXX XX/XX/20 : Suntrust DBA Lightstream XXXX XX/XX/20 : XXXX XXXX/XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) XXXX XXXX/XXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX 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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: FL

Complaint narrative:
XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : Credco XXXX/XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) XXXX XXXX/XXXX XXXX  ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX 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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Factual Data ( dont recognize, unauthorized inquury ) XXXX XXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( Factual Data I never authorized and XXXX XXXX  pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: VA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX, XXXX, and XXXX XXXX has accepted a check I sent which resulted in no current amount due. I sent my proof to the credit bureau and they will not remove the debt. I will also attach the checks sent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I received notification on my credit report that there was a collection account from LVNV funding LLC. I did not recognize the account so I contacted the original creditor that was listed as XXXX XXXX  and I contacted LVNV Funding via Certified letter return receipt requesting that the debt the company was trying to collect funds on be validated. I specifically requested a copy of the contract which LVNV funding refused to provide to me. XXXX XXXX  stated they did not have a contract and ceased all collection attempts. Out of retaliation LVNV finding took the debt and re-aged the date that was listed, which is illegal. On the original count that they were trying to collect on LVNV stated that the original collection account was opened in XX/XX/XXXX, however out of anger they re-aged the date to show that the account was open XX/XX/XXXX. Originally this account was listed as a charge off LVNV decided to open the account and listed as an open account with their company as if I have credit or an account with them directly. LVNV finding has refused to provide me with a contract showing that guy had services with either their company or XXXX XXXX. They have refused to show me any documents showing that they are within their legal rights to collect on this debt. The only document that they sent me was a bill from XXXX XXXX that was dated XX/XX/XXXX. The bill that they sent is requesting payment on that specific date yet on another document that LVNV sent to me is stating that their company acquired the date on XX/XX/XXXX. The document also states that the debt was charged off on XX/XX/XXXX which is in entire month prior to the new re-aged date that LV in funding has stated that the account was opened. LVNV funding is using lies and deceit to try to force me to pay this debt that they are trying to extort money from me. As of todays date LV in funding has not provided any documentation proving that I owe this debt. They have not proved where this debt originated from. They have proved that they will use any illegal deceitful tactic to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX of XXXX led me into believing that they had and an agreement with my credit union to get a credit application and maliciously took my personal information and submitted loan applications to 15 different lenders after I was already approved through my own credit union. This has caused my scores to drop and i was recently turned down for a loan because of too many inquiries. 

At the time of transaction the sales manager told me they would help me get the inquiries removed and has done nothing to help get this resolved

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 2021-02-02 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 — Was not notified of investigation status or results
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I contacted transunion on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, transunion couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XXXX, 2020 my bill did not go through BARCLAYS BANK DELAWARE - account with 1 missed payment. I am kindly requesting BARCLAYS BANK DELAWARE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2021-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
First of all, my XXXX had so-called emergency treatment on XX/XX/XXXX. I tried to fix the problem with the XXXX XXXX XXXX XXXX and contacted my insurance and XXXX. Then, they assured that they can take 20 % off from the statement and I tried to schedule a payment plan with additional discount due to XXXX. 

Around XX/XX/2020 I noticed that I was referred to debt collector called Medicredit - XXXX XXXX XXXX Maryland XXXX, MO XXXX. 

I talked to them twice and send the documents around XX/XX/2020 and they still send the incorrect amount of {$1800.00} which I will not pay and can not even afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
NAVIENT XXXX XXXX XXXX XXXX, XXXX {$4600.00} NAVIENT XXXX XXXX XXXX. XXXX, XXXX {$1900.00} NAVIENT XXXX XXXX XXXX. XXXX, XXXX {$1600.00} NAVIENT XXXX XXXX XXXX XXXX, XXXX {$2800.00} The number of times missed which is being submitted on my credit report looks like inaccurate and or confusing. Kindly have data that the particular alleged account was in fact delayed and you have taken the recommended approaches in order to competently find out your allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TN

Complaint narrative:
Equifax dropped my FICO Score 62 points based upon a XXXX Credit Card, which has never been late. We routinely pay the card in full multiple times each month to keep the balance low. In this particular instance, the balance jumped up 90 % for one day, and I have been penalized 62 points. I am searching for a home, and this fluctuation in my FICO Score does not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: FL

Complaint narrative:
XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX DBA XXXX XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) Credit plusXXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX  XXXX  pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NATIONS LENDING CORPORATION
State: FL

Complaint narrative:
XX/XX/20 : XXXX XXXX  XXXX  XXXX XX/XX/20 : XXXX DBA XXXX XXXX XX/XX/20 : XXXX XXXX/Nations lending XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) Credit plus/nations Lending ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and Nations lending pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX 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