vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
One of Bridge Lending Solutions ' representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XXXX XXXX, 2022 at approximately XXXX XXXX  PST, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX. 

Furthermore, the telephone that Bridge Lending Solutions called was located at the receptionist 's desk. XXXX ( no last name provided ) left a message with the receptionist for me to call them back and disclosed that it was in relation to a debt. 

I know my rights and I know that publicizing a debt by contacting a borrowers employer is considered a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692 et seq. If this happens again, I will be forced to contact the police.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX  # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.

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 2022-06-02 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Credit Acceptance account was opened XXXX and closed in XXXX .. due to job lossin XXXX I was attempting to co sign for my daughter car and they told dealership not to approve application without contacting them I reached out to a attorney whom sent them a letter on my behalf to stop contact and the statue of limitations on account over XXXX XXXX XXXX XXXX XXXX they have sent another letter through another law form XXXX XXXX XXXX XXXXXXXX ) XXXX I dont understand this constant harassment and denying of applications from this company.

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 2022-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
See previous Claim. USAA had now DIRECTLY LIED about the company, XXXX  : " The merchant responded on XX/XX/2022, declining your request for a refund as they indicated you attended more than 50 percent of the course, '' This is a direct false claim by USAA and XXXX. i NEVER attended more than 50 % of this course. I left before 50 % had been completed. 

This decision was made on a lie. This is a complete fabrication, i did NOT attend " 50 % '' of this class.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Been being pacified by dealing with a front-line complaint processing agent and have requested to speak with higher levels of management to address my concerns and resolve my issues. Was advised call back from XXXX XXXX in the XXXX XXXX Iowa office over a week ago with no call back. I am now requesting to speak with XXXX XXXX Head of Wells Fargo Home Loans Servicing in the XXXX XXXX XXXX office. My concerns and requests are being discounted as they are out of the normal scope of business and outside the capabilities of those addressing my complaints - I want to have this addressed by someone that has the abilities to resolve my issues and my requests are being squashed and discriminatorily being considered because of my continued push to escalate and file complaints until resolved, which is also retaliation by the lender. I want to speak to the head of Wells Fargo lending about this situation and have my loan servicing provided by an ethical and reputable company, which is obviously not Wells Fargo.

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 2022-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I received a letter from Bridgecrest Credit Company Dated XX/XX/2022 Stating " We have reviewed your account and have verified that you still owe the amount due under the contract. '' As you can see in exhibit A I uploaded, they violated me per 15 U.S. Code 1692d - Harassment or abuse : ( A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ) : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

They then state " we have determined that you are still in possession of our vehicle. '' As you can see in exhibit B I uploaded, they are violating me per 15 U.S. Code 1692e - False or misleading representations ( A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ) : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The ( apparent ) lien holder ( according to the DMV and my car registration ) is XXXX XXXX, yet Bridgecrest Credit Company is falsely claiming to be the lien holder & claiming that my car is " their vehicle. '' If you notice in Exhibit A they also say " our vehicle, '' and then say " your vehicle. '' This is a clear attempt at threatening and intimidating me via malicious heresay- without PROOF OF CLAIM to back their allegations. I am demanding that BRIDGECREST stop contacting me, never threaten me again- and cease all alleged claims against me- unless they want a Default Judgement filed against them in Federal District Court . I will additionally be forwarding this matter to the Attorney General of CA and the XXXX  so they can investigate BRIDGECREST 'S fraudulent business practices against Federally Protected Consumers.

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 2022-06-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
I am asking for a few minutes of your attention. Please. I am coming to you as my last hope of being heard. I am frustrated. I have looked for help in different places : HUD, FHA, CA-HOPE to name a few of those places, as soon as I started telling them that I needed help with my mortgage lender, who ended up selling the property at an auction sale. I can no longer continue when they tell me that everything is already lost. In pain I have already learned to live, in frustration I am afraid to live. 

It's not fair this, impotence, with sadness that I feel seems not to move anyone.. More empathy for each other. Please, all of us, in one way or another, share the same pain that covid left us. XXXX  took my father away from me, a little earlier I had lost my younger sister, the mourning process led me to a deep XXXX that prevented me from working and unfortunately I missed payments on my mortgage. in my vulnerability and ignorance it did not allow me to avoid being scammed by fake people promising to help me with the loan modification that I did not have to talk to the bank. They took money from me and made me waste my time. The bank started the foreclosure process with a sale date on XX/XX/2022 a few days before. I contacted the XXXX XXXXXXXX XXXX. They told me that they would stop the sale so that the bank would give me the opportunity to reach a settlement. 

I do not intend to get rid of my payments. I want the property returned to me. I am working. I can show that I can continue with the payments. I also applied for Mortgage Relief. It is pending. I need legal help as soon as possible to see everything from the sale of the property and review the loan contract. I feel that something is wrong with the contract because they started the loan with a 9.99 % interest rate for just one year. They raised the interest rate to 20.87 %, the rate they never mentioned to me when signing the contract. Today I only heard it say that I had already lost the property. I need help, please, somehow recover the property. I can show that I will not have problems with future payments, but the bank did not listen to me... Please help me with information, with a lawyer with something to help me. Do not ignore me. I beg you to help me. It is a plea for help. 




If someone speaks XXXX it would be better but if not, it's fine I can understand everything, because of my accent it's difficult for me. Thank you again.

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I, XXXX XXXX have sent multiple dispute letters via certified mail regarding a bankruptcy reporting inaccurately on my consumer report. The bankruptcy is not reporting on XXXX, but is reporting on XXXX and Experian. Though I have presented proof, neither will remove from my consumer 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 2022-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 at XXXX, I called Credit Counsel Inc XXXX XXXX ) XXXX, a debt collector representing XXXX XXXX XXXX in reference to a collections account in the amount of {$280.00}. I offered to pay the amount owed. The response from the guy was that the amount owed is almost {$700.00}. I asked how is that possible, and he said that administration fees are being charged. I told him that I understand that they are a business and need to make money, but {$700.00} on a {$280.00} debt seems to be a bit overkill. As a business owner myself, I offered to pay them {$350.00}, as I thought that {$65.00} would be a reasonable " administrative '' fee for them. He refused, I then asked if he could break up the amount that he was asking into smaller payments and he refused as well. I then impolitely told him that I guess we will just play the waiting game and wait until it falls off my credit and then no one gets paid. Also keep in mind that this a medical bill, and I was out of work for a significant amount of time, hence the reason this account went to collections.

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 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I received a text message from Harris & Harris stating that I need to log in and pay a debt for a previous tenant of an apartment I lived in briefly. This tenant did not live at the apartment when I did. The name if " XXXX XXXX XXXX '' and they owe the Harris & Harris {$100.00} who is acting for the San Deigo Association of Government as a debt collector. 

At no time was I offered an ability to contact anybody or try to get this issue rectified. I called the telephone line provided and was on hold while XXXX with XXXX for several minutes and after being on hold for several minutes I was left with the option to leave a voice message that software would dictate. Since my body is in XXXX XXXX  right now and I am not able to speak, this is not an acceptable solution to reach out to the company to resolve the issue, as a brief phone call with a human would suffice. 

I am most disturbed by the fact that clicking the link provided logged me into XXXX 's account with options to pay her debt which to me seems like a privacy breech. I have never met XXXX but I remember this tenant 's mail would sometimes arrive at the residence that lived at while working as a XXXX XXXXXXXX during XXXX in XXXX XXXX XXXX CA. 

I would think at the very least the company should not allow any random person to log in and learn about someone else 's debt without a verification process. 

My other fear is that perhaps this is identity-theft related and someone gave them my number falsely because it was associated with the address at some point. 

If the company had an easy way to rectify the issue by phone I wouldn't have resorted to a formal complaint.

Company response to consumer: Closed with explanation