vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 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: NY

Complaint narrative:
I am submitting this complaint about experian and XXXX XXXX XXXX. I have this account " XXXX XXXX XXXX '' reporting on my experian credit report that is a result of fraudulant charges. The rep I just spoke to at experian did a 3 way call with XXXX XXXX  XXXX to finally try and resolve this issue however I was told that it might be too late to report this card as fraudulant charges made on it and I need to contact the fraud dept and or the collection agency. I explained that I spoke to the CEO for XXXX XXXX XXXX XXXX XXXX and it was agreeded upon to remove this account off my credit report. XXXX had finanilized there investagation and it was removed off my report however experian will not delete it nor will XXXX XXXX XXXX. I was suppose to be mailed awhile ago fraud forms to fill out but never received the forms. Now I am being told it might be too late or I might have to settle the debt with the collection agency. I explained to the rep at XXXX XXXX XXXX " XXXX '' that I am not going to pay for something that I did not purchase. That 's not right. She explained to give them a call. I asked what if I am told the same thing that it 's too late to report these charges as fraudulant?. I am left with this debt reporting on my experian credit report and again that 's not right because it is affecting my credit score for something I did not do.

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 2017-11-06 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 had requested a copy of my credit report and once receive it I saw collections on there that I had no knowledge of. I sent out letters on XXXX XXXX, XXXX, XXXX XXXX, XXXX, asking them to send me how these companies are verifying these account and they are not giving me the items that I have requested. I know that this is a violation of my right according to the fair credit reporting act. All these collections are keeping me down in my credit XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I ask that you make them do their job which is not tell me its verified but what method they use to verify. I need to see documents with my signature on it and if they cant provide me with these papers I want them to stop reporting these items as accurate because just because they said it does n't make it true so I need the papers delivered to me, so i can see how they are verifying them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: TX

Complaint narrative:
On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.

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 2017-11-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX of 2015. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.

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 2017-11-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.

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 2017-11-06 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: CA

Complaint narrative:
All my American express account is settled, we had a dispute about some charges and it is finally settled, American express reported my account as charge off when it should state settle, please fix the reporting and send me a copy of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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:
I sold a property in XXXX which then closed, funded and recorded on XXXX/XXXX/XXXX. I have wire funds confirmation provided to me by my escrow company confirming this. I recently have received alerts from one of the credit bureaus that I have late payment for XXXX. I have attempted to navigate thru XXXX XXXX XXXX web site and sent multiple e-mails with supporting confirmation documents and no response.I have asked that this be removed from my credit report asap. 

Loan is under XXXX XXXX XXXX XXXX number : XXXX XXXX Account number : XXXX Property address : XXXX XXXX XXXX # XXXX XXXX, CA. XXXX Wire amount : {$300000.00}

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 2017-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I made my payment for this account with XXXX XXXX on the XXXX of XXXX XXXX at XXXX XXXX central time I made payment of {$540.00} which i have done this before several times on this day I was told by them and also recording to get payment in by XXXX XXXX  eastern time to be accounted for on time. well this particular time they mark me late, and said it did not post until the XXXX of XXXX, but acknowledge they took payment on XXXX/XXXX/XXXX and it was late but i made it before the cut of time which they said this is correct but we will not change the marker it was there on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XXXX I applied for a XXXX XXXX XXXX.they said they did not use a credit reporting agency for the denial it was because I had a charge off in 2010 I explained I had to close all of my accounts when I filed for chapter XXXX. I did not have a balance on the card with Barclays Bank. 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 2017-11-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
XXXX XXXX XXXX 's from XXXX XXXX firm was asked TWICE not to contact me at work and continued to do so. He would call my place of employment repetitively would and would let the phone ring an excessive number of times. Because I work in a customer facing environment, this created a challenge for the daily operations of our branch as well as having the phone line free for our customers to reach us. XXXX XXXX called my employer AGAIN on Friday XXXX XXXX, XXXX and this time told one of my employees that he was " my buddy '' and released information to her about a signature that he needed to obtain. I would to formally request this company be looked into. They are calling me from XXXX. Also they have called me from local numbers such as XXXX. The calls to my employer are the most concerning considering I have asked this gentleman to cease contacting me at work on two occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Im writing to ask that you consider a specific concern that the banking industry has inadvertently left its customers more vulnerable to fraud in an area that would be easy for them to fix in the ACH ( Automated Clearing House ) transaction capability. The risk was minimal when they created consumer ACH capability years ago, but is substantial in todays reality of hacks of government entities like the Office of Personnel Management and companies like XXXX and XXXX. 

Today many companies automate payments using ACH debits to consumer bank accounts ; however, the consumers control over this capability is almost non-existent. Transactions between personal accounts require configuring debits or credits or both with approvals by both accounts ; but companies need only a consumers routing and account number to withdraw funds up to the limit of {$15000.00} per day per account ( or {$45000.00} per month. ) This leaves the door open to honest mistakes and fraud in numerous ways. 

Currently banks have not yet added configuration capability to safeguard against potential fraud. This was probably well intentioned, aiming to minimize the burden of automated payments on both vendors and consumers ; but it is now a disaster waiting to happen. An obvious scenario would be for a company to acquire a large volume of hacked consumer information, to make massive withdrawals, and then to disappear. ( An overseas shell company, for example. ) This would leave banks on the hook when their customers disputed these transactions, AND temporarily destroy many consumers cash resources. Yes, disputes would solve this for consumers, but the weeks necessary to resolve the problems would seriously impact many families. 

I hope Ive made my point. I believe history has shown that sooner rather than later, someone will take advantage of this vulnerability. Lets get ahead of the game and either persuade banks to provide more configuration capability, or, as a last resort, require them to. 

Last week a mistake by my investment management firm left my bank account almost empty when they made a simple mistake, debiting rather than crediting my account. Fortunately, I had configured appropriate alerts and discovered the problem immediately. My investment management firm is one of the countrys most reputable ; and the same can be said of my bank. However, I still have no ability to configure things to make such a mistake impossible in the future! Im not as concerned for myself as I am for people less fortunate than me, which includes many, if not most, of my fellow Americans. Please consider doing what you can to help correct this situation. Thanks in advance for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased furniture ( custom-made ) from XXXX XXXX for over {$5000.00} utilizing their credit card. The purchase took place on XXXX XXXX, XXXX, however, the merchandise arrived about three months later ( XXXX XXXX, XXXX ), which is later than they promised. During this time, XXXX XXXX charged my store credit card a lump sum, asked for payments, and issued finance charges and a late fee for merchandise that I did n't have yet. I disputed having to make payments and asked for the reversal of the late fee. They took away the minimum payment requirement and refunded the late fee, however, they continued charging me a finance charge. I have not been given an opportunity for even one full statement cycle after finally receiving my merchandise to pay this amount without a finance charge. The card has been paid off, however, I was charged a lot of finance charges ( I did manage to get a portion reversed ). This is absolutely unfair, and this practice must stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
A company by the name of ERC have a attached and erroneous debt to my SSn And name. I requested a validation of debt in which they never provided. This is why the account was removed from my XXXX XXXX and XXXX report. I am on sure as to why XXXX made a decision not to remove the false account .According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify-through the physical verification of the original signed certified consumer contract of any and all accounts request to be posted and/or reported on a credit report. A copy of the verifiable, validated proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: CA

Complaint narrative:
My credit report from Equifax shows an inquiry from XXXX XXXX. It is reflecting a high credit card utilization against my credit, which is not true. 

According to my report from XXXX XXXX : The last report was on XXXX XXXX, XXXX, for the amount of {$49000.00} Opened on XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX. I did not make payments on that date to XXXX or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: GA

Complaint narrative:
I have been filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Every single inquiry on the report except for XXXX and XXXX XXXX auto are not his.

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 2017-11-06 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 filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every single inquiry on the report except for XXXX and XXXX XXXXXXXX auto are not his.

Company response to consumer: Closed with explanation