vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My car was hit by an uninsured drunk driver while parked outside my house while I was asleep in the middle of the night. My insurance company declared my vehicle a total loss, as I was insured with gap with the same company. My insurance later informed me the pay off check to pay off the total remaining balance of the car was sent to my lien holder, and that I should no longer make payments because the lien holder would receive it in the next day or two. 3 months later, thinking my car was paid off and no longer having a vehicle, I was notified my lien holder never received a check and my account was now derogatory on my credit. I called my insurance and they took responsibility for sending the check to the wrong location, but neither the gap insurance, full coverage insurance for the uninsured, or the lien holder will work with me on the amount owed for the 3 months the check was missing as they are considered missed payments. I was never called by anyone looking for a payment. I have a letter from my insurance company with the pay off amount and original check date that was never received, and a letter for the second check they sent 3 months later. My lien holder was XXXX, I had gap insurance with them as well and my insurance company was 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 non-monetary relief
Consumer complaint received 2020-09-01 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: Nelnet, Inc.
State: SC

Complaint narrative:
For the last six months I have been disputing with the three credit bureaus and no resultion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. FCRA states that accounts which are sold can not report monthly payments, past dues nor balances. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For TRANSUNION 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.

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 2020-09-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For EXPERIAN 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. FCRA states that accounts which are sold can not report monthly payments, past dues nor balances. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.

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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have filed numerous complaints against Equifax for refusing to remove a fraud alert from my credit reports, I have sent in all documents numerous of times and still they refuse to remove this fraud alert. After receiving a condition for mortgage approval I was notified that the alert showing extended fraud alert was placed on my credit file still by the lender, I called to see why? Equifax repeatedly assured me that it is no such alert on my credit report, days later I received a credit report which shows a credit file for XX/XX/2020. Equifax is still reporting this on my credit report as I have uploaded a copy for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: American Financial Network Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX I did an IRRL with American Financial Network Inc- XXXX . Since Covid19, I was on a forbearance for 4 months. Before being removed I applied for a loan modification. I've talked to someone in the Loss Mitigation Program. I received a letter stating that I was in the Loss Mitigation Program and could not have two active homeowner program at a time. This is incorrect. I have only filled out one application to have my mortgage payments modified and added to the end of the loan. I have called several times, no one can give me a correct answer I don't know the status of the only loss mitigation application that I applied for, please can someone assist me. This has been the worst mortgage experience. I've tried calling and emailing, and mailing no one seems to know what they are supposed to do. 
On XX/XX/XXXX, I was told they would do a modification by increasing the loan from 3.125 to 3.3 %. I told them I would not accept the new terms, that was not what I applied for, I was applying to lower my payments with a lower interest rate. They have yet to fix or communicate with an answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
For the last couple of months i have been sending in an additional principal payment of {$10000.00} extra, and have clearly noted it by writing on the check Principal payment only, also wrote principal payment only on the statement slip and also wrote principal payment only on a separate note attached to the check. Both times the money is not allocated properly, first time it went to the escrow account, which I did not ask for. Next time they broke the payment up into 2 different transactions {$8400.00} on XXXX and {$1500.00} on XXXX and applied the money 10 days apart from each other even though I had sent 1 check for {$10000.00}, this causing me more interest on both times. I called the first time and ask what happen and they told me they don't know, I tried calling the second time and the answering machine stated they were too busy to answer the phones.

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I recently purchase a XXXX XXXX Lithium-Ion Battery Powered Pump Zero Technology Sprayer, 2 Gallon, White in the amount of {$68.00} on XX/XX/XXXX through  PayPal from XXXX XXXX XXXX XXXX. I contacted PayPal on XX/XX/2020 to file a dispute with the company. The company sent a via XXXX  Tracking XXXX. 
On XX/XX/2020 at XXXX XXXX  I contacted XXXX customer service ( XXXX ) stated that the item was delivered at XXXX XXXX XXXX XXXX XXXX, IL XXXX and purchase from XXXX. My purchase was maded through PayPal which have my correct address listed as XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, IL XXXX. Neither I nor anyone authorized by me has signed for or received the merchandise.

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 2020-09-01 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: EQUIFAX, INC.
State: OK

Complaint narrative:
In XX/XX/2020 I called XXXX and I explained to the customer service agent that Id had a death in my family and I was requesting Covid 19 payment assistance for both of my XXXX credit card accounts, I also made payments via telephone on that same day but explained that I was seeking additional help until I could better stabilize my finances. They charged me a {$73.00} payment deferment fee which I didnt realize they were going to do. I dont understand why theyre offering Covid 19 payment assistance and then charge a fee to do it. Regardless, I did make some payments in XXXX and several payments in XXXX. They are reporting to the credit bureaus late payments in XXXX and that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXX  To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : -XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX NY, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX -XXXX  XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX -XXXX- XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX- XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX  XXXX XXXX  MD, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX VA , XXXX-XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX , XXXX, FL XXXX-XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit 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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX  XXXX XXXX  MD, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
There is a collection account on my credit reports from CREDIT BUREAU SYSTEMS that says I owe {$360.00} to XXXX XXXX  XXXX that I do not owe. I paid this debt directly to XXXX XXXX and can prove it with XXXX XXXX XXXX own account statements, my HSA account statements, and I can also prove that XXXX XXXX shows that I owe XXXX dollars when I log into my online account with them. This is from a XXXX I had last year and I used my HSA card to make payments. 

I have tried to dispute the account but I have had no luck, Credit Bureau Systems will not remove the debt. Please help me with this matter, I do not owe this debt and would gladly prove it to anyone willing to listen. 

I have attached files showing when the debt was incurred due to a XXXX, and also a statement summary where you can clearly see the debt being paid down, with payments never having longer than a month in between them. This never should have been turned over to a collection agency in the first place. Thank you for taking the time to look into this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
AS OF XX/XX/2020, A COLLECTION ACCOUNT WAS REPORTED ON MY PERSONAL ACCOUNT FROM A CREDITOR I HAVE NEVER HAD.I CONTACTED TRANSUNION CONCERNING THE MATTER AND THEY HAVE DONE NOTHING TO RESOLVE THIS. THE CREDITOR REPORTING THIS IS A XXXX, XXXX XXXX  XXXX AND NEVER IN MY LIFE HAVE I BORROWED MONEY PERSONALLY FROM THIS ENTITY. IT IS BAD ENOUGH TO BE STRUGGLING FROM COVID-19 BUT TO HAVE THIS HAPPEN TO ME RIGHT NOW IN THE MIDST OF BUYING A HOME FOR MY FAMILY, TRANSUNION HAS LET ME DOWN.

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 2020-09-01 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
I Purchased a vehicle through Exeter finance LLC in XX/XX/XXXX. The vehicle was totaled in XX/XX/XXXX and paid off by XXXX XXXX XXXX in XX/XX/XXXX. All payments for the vehicle were continued and not missed. XXXX XXXX XXXX  mailed a check via XXXX  XXXX  to the finance company but when I called to verify I was told they hadnt received the check. I then called XXXX back and they said the check was received and cashed. The loan was paid off in full. A lady from Exeter finance   company called threatening me that if I did not pay her {$2000.00} via my bank account that she would have this account put back on my credit even after it was removed from XXXX. I asked her what the {$2000.00} was for and she could not tell me all she said that it was a fee or something I told her that the vehicle was paid off by the insurance company. The insurance company had possession of the vehicle but she continue to demand and harass me To pay the {$2000.00} by phone right then and there. There were many inaccuracies And they were removed from all three credit bureaus. She ( XXXX ) was able to put inaccurate information onto my XXXX   credit report that is now hindering my ability to buy a home. This was an auto loan and all the information that she has put on there is inaccurate. It is showing a charge off for a debt that isnt mine. The information is incorrect and does not reflect the original auto loan that was on my credit. That is why the three credit reporting agencies removed it to begin with. I dont understand how someone can put in accurate information on your credit report after threatening you to pay them on the spot that day via my bank account, threaten to ruin my credit and put account information that is not mine or doesnt pertain to me or my dealings with this company. Yet, Im able to be harassed and threatened and my credit ruined and the only company that allowed her to put it on my credit was XXXX. I would appreciate this company to investigate my concerns and remove this inaccurate/untrue account information from my XXXX credit report.

Company response to consumer: Closed with explanation