vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
This company has been calling me numerous times a day everyday. I eventually blocked the number and they now call over and over again from different numbers. I have spoken to several different representatives and tried to get information on this debt and amount because I have already spoken to the company directly, each time I was called a liar and told to PAY NOW! I believe this company is fraudulent and so is the charge on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In 2019 I was in a bad place financially, So I reached out to Capital Auto Finance to set up a payment plan/arrangement so I wouldn't fall behind on my payments and have late payments reported to the credit bureaus. Capital One Auto Finance agreed and accepted this arrangement. For whatever reason, they reported late payments for all of 2019 to the credit bureaus which have damaged my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a mortgage that's serviced by Mr. Cooper. It is XX/XX/XXXX, and I still have not received a copy of the Form 1098 that reports the mortgage interest I paid in XXXX, even though the company 's website states that those forms are ready to view. I believe that I should have received it by XXXX XXXX. I sent a written inquiry about this to the company on XX/XX/XXXX and have yet to receive a substantive reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-18 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: Security Credit Services, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reported that the info was wrong on my credit report on XX/XX/2021 and I have yet to receive a response. I been trying to work with the bureaus to check on my report about the inaccurate and unverifiable accounts. But now I feel ignored and upset about the lack of response. I regret that I am being forced to take such action, but I don't know what else to 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 2021-03-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I reported that the info was wrong on my credit report on XX/XX/2021 and I have yet to receive a response. I been trying to work with the bureaus to check on my report about the inaccurate and unverifiable accounts. But now I feel ignored and upset about the lack of response. I regret that I am being forced to take such action, but I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: DISCOVER BANK
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-18 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Credit Protection Association, L.P.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-18 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-18 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: U.S. BANCORP
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-18 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Advance financial is really taking advantage of people who are poor and uneducated about their practices. 

Many of us that have to borrow money temporarily to make ends meet would sometimes turn to loan sharks like Advance financial not knowing that they have compound interest and daily charges that makes the person unable to pay in the long run. Sometimes an individual may end up paying up to three times the total amount borrowed and there is no clarity to lenders about the expected charges. This company keeps people in perpetual financial bondage. A person desperate for funds would seek their help thinking that it would ease the stress but they compound on the overall issue. 
I am wanting to make complaints about Advance Financial Unclear Rates to uninformed consumers and their unauthorized bank drafts that puts consumers in a bind. They are not regulated well and have access to peoples accounts while being fraudulent. 

This service can charge a person more than {$35.00} or more a day in interest to someone who had no idea. Then when they set a minimum payment that only clears the interest while the principal is growing and interest is compounded. It should be unlawful to be that cruel to the unsuspecting. In addition, they set up stores at locations where poor and uneducated people usually live and they make it their goal to lure customers. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-18 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: Penn Credit Corporation
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: The CMI Group, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: MA

Complaint narrative:
Hi CRA, XXXX XXXX and Transunion ... See attachments because This is driving me crazy. I've been wanting to have these items deleted ASAP so here -- I have included further information regarding the inaccuracies on these items and why exactly they should be rectified or alternatively removed from my credit report. I expect and demand that these errors be remedied at once, if you are not able to fulfill this then I ask that you furnish the full responses from the creditors as well as their full contact information like full legal name, accurate mailing address, as well as an accurate telephone number so I may address these issues directly with them.

Im little perplexed and shocked that these accounts below is still reporting falsely into my credit report which as dramatically affecting my credit score and my ability to finance a house for my family at this point. Especially during this pandemic of COVID19, Im finding it really hard to get any finance with these alleged delinquencies into my credit.

Honestly, there is no way that you conducted a reasonable investigation from my previous several disputes and challenged, because its still reporting incomplete, misleading, multiple inaccuracies and inconsistencies with reporting. Its my understanding after talking to your representatives and talking to a friend lawyer that once a CHARGE-OFF account is closed, it shouldnt report any more C/O status or 30/60/90+ days late on payment history. Cmon, how come there are different dates of last active, last payment, 1st dates of delinquencies, inconsistencies on my credit report if you get the information from the SAME FURNITURE. Therefore, these accounts are not in compliant with the consumer laws, and I demand an immediate deletions from my credit report. Please send me a new credit report showing the deletions. You are illegally causing this account to re-aged, which its adversely affecting my score. DELETE NOW!!! 

XXXX XXXX I paid off this account months ago, but you continue to report incomplete and erroneous information such as balance and payment status. 

****I PAID OFF THESE ACCOUNTS AND I WAS PROMISED BY THE CREDITORS THAT IT WOULDVE BEEN DELETED, AND IVE CALLED SEVERAL TIMES CONFIRMING THAT THEY WILL SUBMIT A NEW TICKET OR DISPUTE TO GET THEM DELETED, - PLUS ITS REPORTING MISLEADING AND INCOMPLETE INFO, AND THEREFORE ITS NOT VERIFIABLE AND NOT IN COMPLIANT! 

XXXX # XXXX - delete now!!! 
XXXX # XXXX XXXXXXX - delete now!!! 
XXXX # XXXX delete now!!! 
XXXX # XXXX XXXXXXX- delete now!!! 
XXXX XXXX XXXX # XXXX delete now!!!

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 2021-03-18 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: MA

Complaint narrative:
Hi CRA, XXXX, Equifax and XXXX ... See attachments because This is driving me crazy. I've been wanting to have these items deleted ASAP so here -- I have included further information regarding the inaccuracies on these items and why exactly they should be rectified or alternatively removed from my credit report. I expect and demand that these errors be remedied at once, if you are not able to fulfill this then I ask that you furnish the full responses from the creditors as well as their full contact information like full legal name, accurate mailing address, as well as an accurate telephone number so I may address these issues directly with them.

Im little perplexed and shocked that these accounts below is still reporting falsely into my credit report which as dramatically affecting my credit score and my ability to finance a house for my family at this point. Especially during this pandemic of COVID19, Im finding it really hard to get any finance with these alleged delinquencies into my credit.

Honestly, there is no way that you conducted a reasonable investigation from my previous several disputes and challenged, because its still reporting incomplete, misleading, multiple inaccuracies and inconsistencies with reporting. Its my understanding after talking to your representatives and talking to a friend lawyer that once a CHARGE-OFF account is closed, it shouldnt report any more C/O status or 30/60/90+ days late on payment history. Cmon, how come there are different dates of last active, last payment, 1st dates of delinquencies, inconsistencies on my credit report if you get the information from the SAME FURNITURE. Therefore, these accounts are not in compliant with the consumer laws, and I demand an immediate deletions from my credit report. Please send me a new credit report showing the deletions. You are illegally causing this account to re-aged, which its adversely affecting my score. DELETE NOW!!!

XXXX XXXX I paid off this account months ago, but you continue to report incomplete and erroneous information such as balance and payment status.

****I PAID OFF THESE ACCOUNTS AND I WAS PROMISED BY THE CREDITORS THAT IT WOULDVE BEEN DELETED, AND IVE CALLED SEVERAL TIMES CONFIRMING THAT THEY WILL SUBMIT A NEW TICKET OR DISPUTE TO GET THEM DELETED, - PLUS ITS REPORTING MISLEADING AND INCOMPLETE INFO, AND THEREFORE ITS NOT VERIFIABLE AND NOT IN COMPLIANT! 

XXXX # XXXX - delete now!!! 
XXXX # XXXX XXXXXXX - delete now!!! 
XXXX # XXXX delete now!!! 
XXXX # XXXX XXXXXXX- delete now!!! 
XXXXXXXX XXXX XXXX # XXXX delete now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Id theft victim. Someone used my info at the XXXX. I need this info / collection removed please

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Id theft victim. Someone used my info at the XXXX I need this info / collection removed please

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 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
No correspondence received after I asked for verification of this account : XXXX Account Number : 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 2021-03-18 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: CL Holdings LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: AVANTE
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation