vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent multiple letters and complaints to XXXX XXXX and transunion about the inaccuracy of the information on my credit report it has been more than 60 days since XX/XX/2021 and they haven't responded to any of my letters ether they are straight up ignoring my letters or taking advantage of me or both. I clearly stated that all three have failed to look into these items and investigate them or responded within a reasonable time of 30 days since it has been well over 30 days its been 60 days! I would like these items removed from my credit report immediately.

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 2021-06-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent multiple letters and complaints to XXXX equifax and XXXX about the inaccuracy of the information on my credit report it has been more than 60 days since XX/XX/2021 and they haven't responded to any of my letters ether they are straight up ignoring my letters or taking advantage of me or both. I clearly stated that all three have failed to look into these items and investigate them or responded within a reasonable time of 30 days since it has been well over 30 days its been 60 days! I would like these items removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This debt has been forgiven and I have received a 1099 form for it however it is still reporting as a derogatory account on 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 2021-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
During XXXX I was struggling due to Covid and the reduction in work due to the reduction in passengers at my airline. Yes my payment was made late but they kept adding the late fees and there reps just said yes the late fees get charged. Then things turn around and flying picks up and I get my loan back on track. Then in XX/XX/XXXX I paid the payment a couple of days early so they shorted my payment to pay late charges then charged me more late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
Contacted by Williams and Fudge Inc. on XX/XX/XXXX about a debt " owed '' to XXXX XXXX XXXX from XXXX. I appealed this debt with XXXX in XXXX, and have had no contact since. Debt is beyond the Statute of limitations in all 3 of : the state the debt originated in, the state I currently live, and the state in which collections agency resides. Agency 's collection practices violate timelines mandated in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
We were offered a Covid Forebearance period of 6 months. After the forbearance period was over, we contacted Freedom Mortgage for reinstatement options. We were told that we were approved both by phone and US mail in XXXX for a " VA Disaster Cap and Extend Mod '' We started our three month TPP ( temporary payment plan ) in XXXX that would end in XXXX and at that point our permanent modification would be put into place. This the new monthly amount under the TPP was {$1000.00}. We paid {$1200.00} per month in XXXX, XXXX, XXXX, XXXX and now in XXXX. Fully satisfying the TPP. The first week of XXXX, I called and sent a message through the secure system to check the status of my permanent loan modification documents. I was told they were 30 days behind. At the end of XXXX, I called again and inquired again through the messaging center and was told " 7-10 business days '' your documents will be out to you ( with the explicit instructions about signing in front of a notary XXXX XXXX, the second week of XXXX I called, was told the same thing " We are behind getting the documents out but all is in order ''. I called again on XX/XX/XXXX, I was told the same thing but this time that I would be getting a status update from " XXXX '' my " single point of contact '' no later than XX/XX/XXXX. XX/XX/XXXX came and went, nothing. On XX/XX/XXXX I sent another message through the message center online and the response I got back was " It looks like some of the documents you sent were cut off or illegible and they are unacceptable we can not proceed '' What documents? The ONLY documents sent to them were the ones from XXXX that they MAILED to me and we signed and send back via XXXX overnight in the original form they were sent to us. Nothing was faxed, copied or replicated. This is all starting to seem like a stall tactic so that they can unjustly drag this out either to their benefit or to the tune of foreclosing on homes considering the inflated values of homes at the moment. Freedom Mortgage not only promised me over and over again that my loan mod docs would be to me " any time now '' *actual promises and congratulatory joy-pull the phone calls* and now they are literally ignoring me and making up complete fabrications about documents being " Cut off and unacceptable '' We even made a point at the beginning of XXXX to call XXXX once our XXXX  was sent to them to confirm they were received, completed correctly and in our file. We were guaranteed that this was all set and that we had NOTHING more to do than to make the TPP payments and wait on our permanent loan mods docs in XXXX. It is now XXXX and we are no closer to our modification and moving forward.

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 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
Hi ERC / XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting accounts that don't belong to me on my XXXX  credit report. Account # XXXX ELEVATE RECO is reporting an account to my XXXX  credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: VA

Complaint narrative:
XX/XX/XXXX, ESCROW ANALYSIS showed over {$600.00} shortage. This was right after mortgage was sent to different branch of Homepoint financial was closed due to illegal activities. Requested what happened to escrow? Received no reply. Property did NOT raise, nor insurance. County property taxes same as year prior, yet Escrow analysis in XX/XX/XXXX, shows another over {$600.00} deficit. All payments made before due date with additional principle.XXXX XXXX, sent money payemt with additional principle and escrow deficit. Homepoint applied payment & the rest to principle. Contacted Homepoint, informed of error, requested the escrow deficit be placed onto the escrow, the monthly payment should not change. XX/XX/XXXX, monthly payment went up. The additional principle & escrow deficit was put into unapplied funds. XX/XX/XXXX, the unapplied funds was dumped into the escrow, the monthly payment stayed at the increased rate applied in XX/XX/XXXX. XX/XX/XXXX, contacted Homepoint, identified the 3 errors in processing : 1. Escrow deficit not applied correctly, 2. 2nd time- additional principle & escrow deficit withdrawn from principle and placed into unapplied funds. 3. Unapplied funds dumped into escrow, but monthly payment remained raised. Homepoint stated they could not move from escrow to principle due to over 30 days. My solution was to return the money, my money, that was NOT processed correctly. The money was not part of any payment due, since Homepoint is more interested in siphoning property owners escrow accounts. There is a problem, since the escrow is NOT the mortgage company 's money, however, my escrow seems to lose over {$600.00} in a year. At this time, I an awaiting Homepoint to make a decision as to whether or not they are going to return my money. This takes 24 hours, starting at noon on XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Recently, I had my credit pulled and was alerted to a balance owed on a closed BMW lease from 2019 which surprised me as you met the terms of your lease and the vehicle was turned over in pristine condition. 

I have received no notification from BMW via USPS mail or phone call to alert me of any balances owed or issues with the vehicle. Had I not requested my credit to be pulled, I would have never seen this or been made aware and it could have negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: LendingUSA
State: NJ

Complaint narrative:
Please Remove all this account of all 3 credit reporting agencies 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX, Experian and XXXX  is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.

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 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is unlawfully reporting a debt that is not owed to them. They refuse to accept payment for a debt. and refuse to report correct information on credit agencies. They have responded but have not removed themselves or updated the information on the credit reporting agencies. This is debt collection harassment keeping a debt stuck in limbo with no option to pay. you do not own the debt explain why you are reporting that you 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 2021-06-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is unlawfully reporting a debt that is not owed to them. They refuse to accept payment for a debt. and refuse to report correct information on credit agencies. They have responded but have not removed themselves or updated the information on the credit reporting agencies. This is debt collection harassment keeping a debt stuck in limbo with no option to pay. you do not own the debt explain why you are reporting that you do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company is unlawfully reporting a debt that is not owed to them. They refuse to accept payment for a debt. and refuse to report correct information on credit agencies. They have responded but have not removed themselves or updated the information on the credit reporting agencies. This is debt collection harassment keeping a debt stuck in limbo with no option to pay. you do not own the debt explain why you are reporting that you 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 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX and Transunion is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.

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 2021-06-02 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: MO

Complaint narrative:
Equifax, XXXX and XXXX is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX Amount : XXXX $ Collection Agency : SIMONS AGENCY INC XXXX XXXX XXXX XXXX, NY XXXX I talked with the billing department of the original creditor " XXXX XXXX XXXX XXXX '' several times regarding this bill. Everything in my account was paid in XXXX XXXX. They promised not to send this bill which is fake. I got the letter front the collection agency for a debt which does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is frustrating because I know this would have a negative effect on my report as well as making it harder to deal with credit transactions not to mention it will take more time to do so. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). And obviously, I want it to be taken care of.

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 2021-06-02 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: NC

Complaint narrative:
This is a business account that was opened in XXXX, closed in XXXX, then erroneously began reporting on my credit as of XXXX even though I am not the business owner for this account nor have any responsibility. Ive requested it be removed from my credit report numerous times to TransUnion and XXXX XXXX. Neither has provided any justification why this account is being reported on my credit report, however they have not removed the account either. Please have TransUnion and XXXX XXXX to appropriately remove this account from my credit report immediately as this is currently in violation of my rights per Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation