vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 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: IL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX, loan amount was incorrectly reported. I have documentation showing a drastic increase in which the company did not provide any updates in writing.

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 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX {$2400.00} I HAVE CONTACTED THIS COMPANY IN REGARDS TO THIS COLLECTION AND WAS TOLD I WAS GOING TO RECEIVE A FRAUD DOCUMENT TO SIGN, I NEVER RECEIVED ANYTHING TO SIGN. I HAVE NEVER HAD ANY XXXX  PHONE SERVICE THROUGH 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 2021-12-27 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: AZ

Complaint narrative:
I have been trying to get my information corrected on my credit report and they have been illegally reporting the wrong information still on my report. They have been aware of this since XX/XX/XXXX, XXXXwhen I sent them a certified letter with tracking number XXXX using USPS to correct my name, date of birth, address, telephone number, social, and employers. To this day which is XX/XX/2021 they still have the incorrect personal information on my report. Not only are they reporting unlawful wrong information on my credit reporting they have failed to verify they information as well. On XX/XX/2021 they were asked to verify the legitimacy of a bankruptcy they are reporting on my credit report when I sent them a certified letter through USPS with tracking number XXXX. I never heard anything back from them and they are still reporting the bankruptcy on my credit report. On XX/XX/2021 they were asked to verify negative accounts posted on my credit report via a letter sent to them USPS with tracking number XXXX and all my advances to have them report the correct and proper information on my credit report have been ignored and unanswered. I have called them multiple times just for them to give me the run around and still not prove to me or show me proof as to why accounts and information is on my report being report illegally and wrong. On XX/XX/2021 they were sent another certified letter XXXX that provided them with an FTC report stating Im a victim of fraud and to remove all fraudulent information on my credit report followed up with 20 phone calls last one made today XX/XX/2021 at XXXX. They still refuse to remove the accounts along with the inquiries made on my report without my permission. According to section 15 USC 1681 there has been multiple violations that i am willing to pursue legal action if necessary if this is not handled in an adequate manner.

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 2021-12-27 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: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is affecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, XXXX, and TransUnion. Thank you!

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 2021-12-27 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: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is affecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, Equifax, and XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: TN

Complaint narrative:
I recently disputed a collections account through the CFPB. The collections account is XXXX XXXX XXXX. The collection agency XXXX XXXX XXXX responded to the complaint agreeing to remove the account from my credit report, however the account remains. I have attached a copy of the correspondence from XXXX XXXX XXXX along with a copy of my photo ID to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Hello, I have tried for months to get this resolved with Kia finance. I have leased 3 vehicles with them over nine years. I have recently discovered that they reported multiple late payments to my credit report that are not true. I have contacted them numerous times by phone and mail but no one calls me back. I have the evidence that shows I was not late with my payments in XXXX and XXXX of XXXX that I downloaded off of their own website. They reported me 30 and 60 days late. Then in XX/XX/XXXX the last month of my third lease they turned off my auto pay and never notified me, so XXXX was late. They said that was there policy now. I filed disputes with all 3 credit bureaus but they really aren't helping with my problem. I have been a loyal customer with Kia and do not understand why no one will call me back on this matter. I have requested to speak to supervisors but nothing gets done. I just get letters stating the disputed information reported is correct. I have had credit for over 33 years and do not have any late payments from any other business. These late payments from Kia have significantly hurt my credit score. I have taken great pride in my credit score and just want to be treated fairly. I have attached supporting documents that will support my statements. 
I would appreciate it if someone could contact me about this issue. Home XXXX Thank you very much.

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 2021-12-27 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
Received a voicemail stating I have been officially notified. 
I called the number XXXX ( XXXX ) XXXX that came up on screen. 
XXXX said I owed a debt to HSBC for a credit card from 2017. I do not. 
Said I was being sued for fraud & now I owed {$5000.00} because I hadnt responded to their letters. No letters Said they were going to take everything & garnish my XXXX & annuity. 
Said she could, possibly, have me call a number & get the sum reduced. 
I hung up on her & proceeded to call HSBC. They have no records for me. Bank person suggested I check my credit report. I did & nothing there. 
But, the scam lady read off my social security #. 
What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: TN

Complaint narrative:
I have disputed this debt several times. I have asked for proof that I owe it they just keep answering my dispute that this debt has need valadiated as owed. I have been asking for them to send me a contract or my signature on a contract they have refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm has not refunded my money for item that was returned. 

I purchased an e-bike from XXXX which I financed through Affirm. I paid for the bike in full prior to receiving it. Once the bike was delivered, it did not meet my expectations and I returned it. Because I financed it with Affirm, XXXX refunded them directly. According to Affirm, they received the refund of {$3900.00} from XXXX on XXXX. As of today, I still have not received my refund from Affirm. I called Affirm at least 4 times, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX ( I believe I called 2 other times but I do not have the dates ). I've summarized the calls below. 
XXXX : customer service rep - " a refund check is processing, allow 16 days to receive. We attempted to refund your master card but it was declined. '' I then asked to speak with a supervisor. 
XXXX : supervisor - " your final payment was received more than 180 days ago so we can only issue refund via check. It is being processed, allow 16 days to receive. '' XXXX : received email " your refund is processing. please allow 16 days for it to arrive. '' XXXX : customer service rep - '' a refund was processed on XX/XX/XXXX allow 16 days to receive. Can't provide check number nor date sent ''. 
XXXX received email confirming refund processed on XX/XX/XXXX allow 16 days to receive. 
XX/XX/XXXX : customer service rep- " we tried to refund your master card on XXXX but it was declined. we have processed your refund but I do not know the check number nor the date sent. '' I then asked to speak with a manager. Stayed on hold for 60 minutes, no manager available. 
XX/XX/XXXX spoke with a supervisor. " refund was processed on XXXX. please allow 30 days to receive. '' Can not provide check number or actual date sent. 

Affirm never denies that they owe me the refund. They never say the check was sent, instead they use the word processed. As of today, it has been 53 days since they received the refund from XXXX for the returned bike. I would like a refund sent via bank transfer or by check with tracking information provided. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: IL

Complaint narrative:
Hello, I have tried for months to get this resolved with XXXX finance. I have leased 3 vehicles with them over nine years. I have recently discovered that they reported multiple late payments to my credit report that are not true. I have contacted them numerous times by phone and mail but no one calls me back. I have the evidence that shows I was not late with my payments in XXXX and XXXX of XXXX that I downloaded off of their own website. They reported me 30 and 60 days late. Then in XX/XX/XXXX the last month of my third lease they turned off my auto pay and never notified me, so XXXX was late. They said that was there policy now. I filed disputes with all 3 credit bureaus but they really aren't helping with my problem. I have been a loyal customer with XXXX and do not understand why no one will call me back on this matter. I have requested to speak to supervisors but nothing gets done. I just get letters stating the disputed information reported is correct. I have had credit for over 33 years and do not have any late payments from any other business. These late payments from XXXX have significantly hurt my credit score. I have taken great pride in my credit score and just want to be treated fairly. I have attached supporting documents that will support my statements. 
I would appreciate it if someone could contact me about this issue. Home XXXX Thank you very much.

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 2021-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
We had XXXX XXXX from Huntington bank lied to us about how much we qualified for a fha loan he said we qualified up to XXXX then we it found our house we started the process and he wouldnt answer my realtor or our lawyer he kept saying everything was good to me. 7 days before closing he told us oh you have to pay off a bill and get it off your credit before we can move on. He prequalified us for a loan that we wherent qualified for. He was very rude to our realtor. We ended up having to find a new lender and putting 10 percent down when thats not what we wanted to do he also added credit cards to our credit without permission. Both me and my husband credit was ran way to many times by him. Now our credit is messed up and he has messed made it to where we paid way to much for closing cost. He also never wanted to email or text back he would only want to talk on the phone to try and cover his mess ups. He put the XXXX XXXX card not only on my credit but my husbands credit. He also made false Preapprovals saying we where good to look at houses when we really wherent. He really made my life a living XXXX for 3 months straight. 
This is where he works I have a lot of proof that of all the damage he has done to me XXXX XXXX and my husband XXXX XXXX The Huntington National Bank XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX huntington.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a store credit card for XXXX XXXX which is serviced by Wells Fargo XXXX XXXX I have tried to setup an online profile to make payments online since my first bill in XXXX The Wells Fargo website does not allow me to create a profile it states they don't recognize my credit card number or social security number. I have called the customer service number each month and explained the issue but they fail to look into the problem. My last attempt to fix the issue was on XX/XX/XXXX, I called XXXX. I called 3 times ( XXXX EST, XXXX EST 20min call and XXXX EST 20min call ). I explained my problem and expressed my frustration for not being able to setup a profile so I could make a payment online. None of the associates, including a supervisor, were able to figure out what was issue and provided scripted responses such as " my account is charged off ''. That is ridiculous since the account was just opened in XXXX and I have not even been 30days yet on a single payment. On my call at XXXX EST, the supervisor on that call stated he would have the team he thought could help " online banking '' return my call in 48hrs. I provided permission to have the department call me back and leave a message if required. I have yet to receive a response. I have had other accounts with Wells Fargo ( 2 mortgage accounts that are now closed ) but have not had any issue creating a profile for either accounts. In the early XXXX 's, I had a Wells Fargo fraud issue, where they had another customer assigned to my social security number not sure if they ever cleared up the issue on their end. My inability to make my payments on the website has caused me to be late on a few payments because I have to go through the long process of making a payment with an agent over the phone. I only want to be able to make a payment through the website.

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 2021-12-27 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Upon review of my credit report I discovered inquiries that were not authorized or initiated by me. The inquiry that is fraudulent is : Citizens Bank on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was formally a long term and loyal customer of Wells Fargo Bank XXXX. I had both personal and XXXX checking and XXXX account. 
I have had issues with customer support online and on phone. They would leave me on hold for hours, and transfer me to the wrong department etc. They declined my ppp loan even though I was qualified, and when another local bank approved me, I systematically closed every account. Ensuring they were all in good standing and I owed nothing. I recorded them stating as much via phone calls with them. Because I wanted to be done with them, and have no further dealings. 

Several months later I get a letter saying they were mistaken that I did in fact owe on a business credit card. But I have the letter saying my security deposit for my secured card was returned due to me not owing a balance. 

Even the letter clearly states that they made a mistake. I do not owe them. I proof that I close that account without a balance, and I will not pay, for their mistake.

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 2021-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO updated the balance of account XXXX by making a payment of XXXX $ to re-age the collection account that is not owned by me. This is aganist law FCRA Section 605 ( c ).

Company response to consumer: Closed with explanation