vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: MO

Complaint narrative:
During XX/XX/XXXX at the end of the year in XX/XX/XXXX I notified the school that I would not be able to attend due to medical reason and would like to take time off and filled out the proper paper work as well as other issues that were causing a problem. I was ensured everything will find and when I could restart they would allow this. In XX/XX/XXXX the beginning of the year I was receiving calls that I wasn't attending class and they said they didn't have all paper work and it was sent again. My adviser left that school during this time or they changed the adviser and again I thought it was okay weeks later I see another class was started and said I had not attended and was in violation. I again called and told them to and they said they would take care of it. They refunded the money back to the loan company for the federal loans so I assumed everything was okay. The following year in XX/XX/XXXX I received notice I had a bill from the University of XXXX and that it was past due and was being reported as write off from the school and listed by credit reporting Agencies as a closed account and as a revolving installment loan that was late. I contacted the school and they said that the bill was left over from the XX/XX/XXXX semester and even though I didn't attend it wasn't done in time so they were billing me. I explained what happened and requested a investigation and requested them to remove this until the investigation was over due to me involved in trying to buy a home. They said they do not delete anything but I could pay and they would up date it. I stated to them I don't owe this bill and to stop the collection process and delete this and it was reporting that I was late on a open installment loan but listed a couple of time on the report in closed accounts and in installments loans that are deliquent now I have 8 late pays and the collection agency as well as the school are on my credit report and they are refusing to remove. As you can see they are in the right here and since they returned the funds to the XXXX XXXX XXXX and I am not in default with them at all and they are continuing to pay for school for me. I also at this time must tell you they kept XXXX over that amount of funds that are due each semester as a refund to me after the classes are paid for and I pay that back to the XXXX XXXX XXXX. They stated to me I accepted a direct deposit of the refund in which was not the case. They never refunded that amount and yet they are claiming I owe for a entire class of XXXX, so why would they refund that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
The company that I am speaking about is XXXX XXXX XXXX XXXX   also known as Loancare the issue that Im having is they charge me every time I make a payment up to {$12.00} extra the only way for you not to get charged is to mail your payment in and have it in by the XXXX  of every month. Everybody has a grace period to the XXXX  of every month. Ive never had this trouble in the 13 years Ive had this home Ive always paid by phone or online at no charge every month this is costing me {$12.00} I cant make the payment by the first because of the way I get paid and I use the Grace period And Im never Late I find this totally unfair if you pay by the XXXX  youre charged {$10.00} if it goes past the XXXX  they charge {$12.00} even if you call it in by the XXXX  or the XXXX  you have to mail it in and they have to receive it by the XXXX  in order for you not to be charged this is not fair at all please advise they are  taking my money every month. They took over my mortgage from XXXX and I dont like when they switch mortgages without my permission they do it that they notify me but I refuse to pay the extra {$12.00} a month please advise

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 2019-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Westlake Services, LLC
State: IL

Complaint narrative:
My account is past 30 days due which inaccurate, my account was never past 30 days due for west lake profolio management neither XXXX credit card. I was wondering if those late payments can be deleted please because they are inaccurate. Also there is a collection for XXXX XXXX XXXX for XXXX which is inaccurate I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has  been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: OH

Complaint narrative:
I moved into my apartment on XX/XX/XXXX, stayed my full lease length of 12mo, with all on time rent payments. Moved out on XX/XX/XXXX, was told i would be receiving the security deposit within 30 days after moving out. When the end of XXXX/ beginning of XXXX came around and never received it, i called multiple times weekly to inquire, with no answer. After getting an answer mid-XXXX was told that i owe them money, and that i wouldn't be receiving it. When asked for proof of this was denied/they couldn't provide it. Further investigation showed that the collection was put in on XX/XX/XXXX, which was approximately a month after i moved out and from the time I moved out, to the time i discovered the collection in XXXX, was not once contacted in any form about the debt they felt i owed them or any type of proof to show that i did.

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 2019-12-15 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: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-12-15 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There is an inquiry on my credit reports for XXXX, XXXX, and XXXX that is dated XX/XX/2019 listed as JPMCB Card. I did not authorize this inquiry and did not apply for a credit card with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 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 — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: KS

Complaint narrative:
I have never heard of this company until I was recently applying for an auto loan and was turned down. I received a letter in the mail from a company called XXXX who said they relied on information from a reporting agency called SageStream LLC. This company had my credit score at over 250 points LOWER tha

n the 3 major bureaus for reasons that were false. 1. Said my area code on my phone number is not correct for my address. My area co de is
XXXX  and I live in XXXX Kansas  - the only area code for this area is XXXX.

2. Said length of time at address insufficient. Since when is 6 years not long? 

Plus other information about my credit that was false. In order to get a copy to dispute, I had to send them a copy of my drivers license. That was almost 2 months ago and they have never acknowledged me or sent my report. When I XXXX their name it appears everyone else is having the same problems and are calling them a fraudulent company who purposely understates score so lenders can charge more interest. Please protect consumers and shut down this fraudulent company who does not accurately report on information that is even relevant for a good credit score. Their low-scoring items are unrelated to how I pay my bills and are not consistent with any other credit reporting scoring system. 

Now they have my drivers license and Im afraid its a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Last year I called to cancel the credit card with XXXX XXXX and thought my request had been honored. I was told that it was cancelled and I paid my club membership fee. Recently, I called the customer service number which started my being bounced from collections to customer service. I sent a letter to all three credit bureaus to close the account. I did not activate the credit card. I sent a letter in the month of XX/XX/XXXX stating that the account should be closed. As the representative misrepresented the truth last year I was told to pay the club fee by phone and she would waive the annual fee for the credit card. I was told the only way to close the account was to give her my account number to pay the club membership and she would then close the account. For me it was too much confusion to give someone permission to withdraw funds from my checking account and no way to verify the completion and finalizing of the transaction. She verified that the only payment on the account was on XX/XX/2018, of {$45.00}. I did not choose to continue the credit card and have since on numerous occasions requested that the credit card account be closed. The credit card number is XXXX XXXX XXXX XXXX, the account number on the statement is XXXX XXXX XXXX XXXX and the store club number is XXXX. There should be no " running charges '' or " annual fees '' for a credit card I did not activate and requested to be closed. The only charge that should be incurred is the club membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
while checking my most recent credit report i noticed inquiries and accounts i did not authorize ....

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 2019-12-15 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:
while checking my most recent credit report i noticed inquiries and accounts i did not authorize ....

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 2019-12-15 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:
while checking my most recent credit report i noticed inquiries and accounts i did not authorize ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Risecredit, LLC
State: CA

Complaint narrative:
RISE/XXXX initiated a loan with me in XX/XX/2018.The loan interest rate exceeds 150 per cent APR. 
The CALIFORNIA SUPREME COURT RULED IN XXXX OF 2018 that this loan 's interest rate was " unconscionable '' violates California 's UCL ; Bus.and Professions Code 22302.The court ruled that this lenders unconscionable interest rate along with other behavior displayed by Rise made the loan UNENFORCEABLE. 
AN UNENFORCEABLE LOAN CAN NOT BE DISPLAYED ON A CREDIT REPORT AS THAT DISPLAY IS '' AN ATTEMPT TO COLLECT A DEBT '' .THIS LOAN, IF NOT DELETED BY ALL CREDIT BUREAUS CAN SUBJECT BOTH BUREAUS AND THE FURNISHER TO CIVIL DAMAGES IN CA SUPERIOR COURT SHOULD SUIT BE BROUGHT BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Submitted information via experian upload more than two months ago.I am writing to dispute the following information that appears on my Experian consumer report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I've attached the documents with this complaint.

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 2019-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial Services reported a collection on my credit report effective XX/XX/2019 in the amount of {$730.00}. 

I do not know who this company is. I sent them a debt validation letter via mail and I have not received a response. 

Please assist in getting this account removed from my credit report as I have no known written knowledge of this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
DATED XX/XX/2019

XXXX/FORTIVA 
XXXX XXXX XXXX
XXXX XXXX XXXX


I WANT MY CREDIT SCORE TO REFLECT THAT I DO NO OWE OR WAS EVER LATE ON ANY ACCOUNT WITH FORTIVA.

I WANT A REFUND OF MY XXXX AND FOR FORTIVA TO STOP, REPORT FALSE INFORMATION TO THE CREDIT BUREAU.

I WANT FORTIVA TO STOP REPORT FALSE INFORMATION ABOUT LATE PAYMENTS. I DO NOT HAVE ANY ACCOUNT WITH FORTIVA, THE ACCOUNT WAS CLOSED ONXX/XX/2019


I WOULD GREATLY APPRECIATE FORTIVA TO IMMEDIATELY DISCONTINUE REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS.  AGAIN I DO NOT HAVE ANY ACCOUNT WITH  FORTIVA. 


AGAIN I AM REQUESTING YOU DISCONTINUE TO REPORT FALSE INFORMATION TO THE CREDIT BUREAUS IMMEDIATELY AND INFORMED THEM THAT THOSE 2 MONTHS THAT THEY FRAUDULENTLY REPORTED AS LATE ON MY CREDIT WAS FALSE, THAT THEY BE REMOVE IMMEDIATELY AND HAVE MY CREDIT SCORES RESTORED. 
 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Over the past few months, XX/XX/2019 to XX/XX/2019, Experian has lowered my credit score 21 points. It NEVER updates my score when balances are lowered. It constantly drops my score when balances show an increase, any minuscule increase. 
None of the other two agencies lowered my score below 800.  The discrepancy between the way all 3 report is appalling! There's a 30 point difference between XXXX and Experian..that 's 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 2019-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Summer XX/XX/2017 my account was hacked and I contacted the bank explaining the fraud situation. They left me liable for it and I haven't been able to open a new account since. I have talked to countless reps over the years. I even made a trip to another state where the physical branches are located and still no help. The balance is {$570.00} and being a veteran never having an issue with the company alarms me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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:
I filed a direct dispute using XXXX XXXX concerning a matter on my TransUnion credit report. I filed on XX/XX/XXXX and it is now XX/XX/2019. 10 days have passed since the 30 day deadline and I have not received any communication, electronic or otherwise concerning my case.

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 2019-12-15 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Hello, and thank you so much for this website. I have been a long time customer with Macy 's Department Store, and recently started to have an issue with them. I had received a notification from XXXX XXXX about my credit score. I have and XXXX credit score, my credit score dropped 200 points, because Macy 's reported me 170 days late for non-payment, when I never received a bill from them. I called the credit line I was informed by XXXX, that the bill was sent to an address that I moved from in XXXX. He than advised me that in order to get the derogatory statement removed from my credit report, I would need a confirmation number from the post office. I advised him, I have several other store department credit cards, and never had to do this. I advised nothing could be done until I get a confirmation number. I ask to speak with a manager, this was on XX/XX/XXXX I was transferred to XXXX, she advised me of the same thing. I advised her to date I had not received a bill from Macy 's, she advised me that it was my responsibility to call them, and advise about the change of address, and that they weren't going to correct my credit report. I then called the Executive Office on XX/XX/XXXX, spoke with a representative named XXXX. I advised her of the situation, she basically told me the name thing. I advised her whenever I made a purchase at Macy 's they always verified my information at the the register, such as is you email still the same and your phone number. My information was always correct, so I advised XXXX of that, she told me they called me over 41 times in XXXX of XXXX at a number that I used for my business fax machine, that I never gave out. I advised her when I was ask if my info was correct at the register, that they had my current information, XXXX advised me that, that information doesn't filter down to them, and that I should have called. How am I as a customer suppose to know that the information I gave at the register doesn't filter down? Then she tells me that they didnt report me a a 170 days late it was only 30 days, I then I advised her if she can see that, she could also see that date that I moved in XXXX, it was also on the credit report. XXXX refused to correct my credit report, stating all this was my fault, and that I should have contacted them. Macy 's messed up my credit report, over something that could have been corrected, I have had the same phone number for 30 years, I always pay my bills on time, my credit score dropped 200 points. I want my credit score corrected, I had to end up closing my Macy 's credit card account over this. Thanks

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