vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: CA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For years I have been unable to get online delivery of my credit reports from Equifax. I am always greeted by the message " Online Delivery Unavailable '' for my credit report and instructions for how to mail in a request and what documents had to be attached to prove my identity. 

I have contacted Equifax numerous times, opened several disputes, and discovered that they have more than one file on me, under different names. I never seem to know which one they eventually mail me, sometimes I got both. I spent over two hours on the phone with them on XX/XX/XXXX, was told the problem was fixed, but it never has been. In fact there is a new " Previous Address '' in the file which I'd never heard of, much less lived there. There also appeared another address which was specifically discussed on that phone call and which I was told would be removed. It was not. 

The last credit report sent to me, dated XX/XX/XXXX was address to one name while the " name on file '' on the report was another. 

I hope something will be done to fix this as it is apparent Equifax doesn't care and could be reporting the incorrect file to inquirers. Their file ( s ) are so effed up now I'd like to sue them and get removed from their system completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There are two items reporting on my credit that I need to be removed. In the month of XXXX, XXXX XXXX XXXX XXXX agreed to remove the XXXX XXXX XXXX XXXX XXXX XXXX from all three credit bureaus. They have been removed from XXXX, but they have yet to be removed from XXXX  and Experian and I need these items to be removed from all three credit bureaus in compliance with the Federal Trade Commission.

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 2021-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
I XXXX XXXX, formerly XXXX XXXX am a victim of a fraudulent RISC from a car dealership. I was undergoing XXXX XXXX treatment and received a notice from court that I was being sued. I responded to the lawsuit saying I never purchased the vehicle. I was waiting for a court date. I never recd. service to appear in court but then rec 'd. a default judgement. I was still undergoing XXXX XXXX treatment when I rec 'd a notice of garnishment XX/XX/XXXX. I was sued by Ford Motor Credit for a car that was never purchased from XXXX XXXX in XXXX, XXXX. Ford repossessed the vehicle from whoever had it and sold the vehicle sueing me for the remainder of the balance owed. I visited XXXX XXXX XX/XX/XXXX to look at SUV 's and submitted credit peperwork but ended up leasing a new XXXX around the same day at a XXXX dealership. 2 months later I moved to XXXX. The sales person and internet sales manager who are one and the same are the only individuals on the contract other than my forged signature. The contract was a salespersons dream come true with {$6700.00} in Ford extended warranties on a XXXX XXXX XXXX  with XXXX miles on it, if I understand Ford ESP contracts you are not able to purchase a ESP on a vehicle the has gone past the 3/36 warranty. The {$1500.00} down payment was deferred. I was never provided the anti packing paperwork as part of the XXXX  Car Buyers Bill of Rights listing all of the optional warranties in the lawsuit paperwork, insurance was never obtained for the vehicle that I am aware of yet the vehicle was allowed to leave the dealership ... ..the " sale '' took place in XXXX with the lawsuit occuring in XXXX ... .the salesperson has disappeared, we can not find him anywhere on the internet. He had an extensive felony criminal history prior to becoming a sales manager for XXXX XXXX. I can only assume they figured out what he was doing and terminated him. I could never find him working for any other car dealership after this. He subsequently opened his own medical billing company out of what appears to have been or is his home but the number is disconnected and I can can not find any other information about him on the internet. If in fact he was terminated for dealership fraud Ford then decided to pursue a bogus lawsuit against my fiancee ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FactorTrust, Inc.
State: FL

Complaint narrative:
In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Investigation took more than 30 days
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Mercedes - Benz Financial Services Filed with the credit bureau that I was late on a payment in XX/XX/XXXX. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed Mercedes via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( XXXX  XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through Mercedes-Benz Financial. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with disabilities act, violating reasonable accommodations for those whom are XXXX  XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over XXXX XXXX dollars between my two companies. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX  with no desription of the reasoning. Image Provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: PRESTIGE FINANCIAL SERVICES INC
State: UT

Complaint narrative:
Prestige Financial Services is reporting a few lates on my credit file. The lates are from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made my payment online & it kept giving me an error even though it said it went through. I keep having this issue with your online system and i am not notified about the payment not going through until the account is marked late on my credit file. I need these lates removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely 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 explanation
Consumer complaint received 2021-07-27 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: LendingPoint Holdings LLC
State: TX

Complaint narrative:
Sent payoff in to payoff my personal loan. The payoff was received on XX/XX/21 but they waited to post the payoff after they received my ACH debit for the XXXX payment then paid the loan off instead of sending my monthly payment back. Lending point kept most of my money between the monthly payment and the payoff. I have all the documents to prove something isn't right with this loan transaction. Loan number XXXX. I would like my rightful amount returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My credit limit was reduced with out any notice or reason, I have made all my payments on time. 

The reduction in the credit amount cause a direct impact on my credit score Historically the monthly interest charge is {$27.00} however on XX/XX/2021 I was charged {$170.00} in interest fees alone. 

I have tried tirelessly to speak to a representative for over a week to discuss my concerns One time I was on hold for over an hour no one ever picked up I have sent multiple emails, with no reply. I have not been able to communicate over the phone or by email.

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 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am at my wits end here with XXXX XXXX XXXX! I have sent them several letters for them to validate this alleged debt they keep trying to collect and continuing to report to the credit reporting agencies, which is severely damaging my credit files and scores. Every time, they send me some bills from Amazon not providing me any legal documents, including any original contracts or anything. 
To make matters worst, they keep providing me some bills that shows a total different amount from what they are stating that I allegedly owe them and trying to collect. Let 's not forget that I never even knew about XXXX XXXX XXXX before I saw that they are reporting this negative account on my credit report. 

Their own documents states, " it is not an attempt to collect a debt ''. They keep ignoring me, stalling me, and completely violating my rights and the law. This is attacking my character and is causing me suffering and pain. 

I need them to immediately close this account and delete them it from my credit reports. This is absolutely absurd!!!

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 2021-07-27 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: CA

Complaint narrative:
Experian continues to report a XXXX account which has been closed with XXXX and XXXX as well. This account is still reporting negatively on my profile and its blocking my ability to obtain credit. Inaccurate and incomplete information shall be deleted. i was never late with a payment. Block and remove this account.

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 2021-07-27 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting erroneously on my credit file. I had an account with them that was included in my Bankruptcy that was discharged. They are still currently updating on my credit file and that is against the Bankruptcy Stay. I need this account to be removed from my credit file. It is erroneous and has been consistently dropping my credit score.

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 2021-07-27 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting erroneously on my credit file. I had an account with them that was included in my Bankruptcy that was discharged. They are still currently updating on my credit file and that is against the Bankruptcy Stay. I need this account to be removed from my credit file. It is erroneous and has been consistently dropping my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX - XXXX XXXX XXXX Filed with the credit bureau that I was late on a payment in XXXX of 2020. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed XXXX via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( mentally XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through XXXX XXXX. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with disabilities act, violating reasonable accommodations for those whom are mentally XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over XXXX XXXX dollars between my two companies. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX with no desription of the reasoning. Image Provided.

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