vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed under 15 USC 1681. And they violated my rights several times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: FL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-20 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: FL

Complaint narrative:
Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Since XX/XX/XXXX I have paid my XXXX XXXX account in full. It is still showing that I owe over {$80000.00}. And it is reporting to my credit as of XX/XX/XXXX. I need this to be taken off of my account so that I can get an FHA loan. And I will not be able to get it with that delinquent account sitting on my 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 2022-09-20 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:
-- Applied via XXXX for an auto loan refinance on XX/XX/2022. Application ID XXXX. 

-- On XX/XX/2022 I received two hard inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX without my authorization. These two companies are network lenders with XXXX XXXX 

-- Per XXXX website & FAQ section, they will NOT allow lenders within their network to check your credit via hard inquiry. They will provide their network lenders with the information obtained via XXXX XXXX hard inquiry. Network lenders will NOT pull hard inquires. 

-- XX/XX/2022 I received a piece of mail from XXXX XXXX stating my application was denied and clearly lists XXXX XXXX as the dealer. 

-- Only XXXX XXXX was authorized to do a hard pull on my credit. One company. These other two inquiries are unathorized and are a violation of my rights under FCRA 604 and violation of my rights to privacy. I now have 3 hard inquiries on my credit. 

-- Monday XX/XX/2022 I reached out to XXXX and requested copy of any documents authorizing a credit inquiry from myself specifically to *XXXX XXXX XXXX XXXX* and *XXXX XXXX* signed on my behalf so I may verify its validity and XXXX XXXX will not provide any supporting documentation. 

-- XX/XX/2022 I mailed letters out to TransUnion as well for XXXX XXXX XXXX XXXX and XXXX XXXX in attempt to remove these unlawful and unathorized inquiries.

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 2022-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
The company NCB MANAGEMENT SERVICE has been harassing me with letters, phone calls, etc. with numbers that are from my area code to get me to answer. Each time it has been worse and worse with the debt collectors being rude and demanding to setup payment plans. 

On top of this their collection agency is not eligible to be collecting in my state! They dont even hold a license to debt collect in Texas and are illegally collecting debt as well. They have been reporting my debt to the credit bureaus as well. I have just recently been updated that they are reporting false information to my credit history and continue to report falsely via XXXX. 

Not only are they reporting as collection but DOUBLE reporting so it shows on my credit as debt I am not associated with or had a connection with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had opened a credit card with bank Of America back in 2017. I fell behind in which I was completely OK with repaying my debt I received a Court order about garnishments Which for one was confusing enough but I knew I owed the amount. My wages started to get held so I decided to get a loan to pay this off and so my other bills would not fall behind. The total debt was less then XXXX. No one wanted to help explain what was going on or communicate even though I told them my electric was getting shut off and all my other bills were falling behind. They held XXXX dollars from me. I would have to call and they would tell me they cant speak to me or give me a different number to call. All the while I had a sick child I couldnt feed and my electric ( which I work from home ) was getting g shut off. This whole process was brutal all because of greed. I cant even describe what this has done to me. And reality is, it was all for no reason.

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 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act the following XXXX  accounts have violated my rights under the following laws : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Texas # XXXX XXXX # XXXX XXXX  XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was in Lowes was going to open credit card over the phone, and they said they would send me text on my cell phone. I told them to " Do not proceed with this. I'll pay cash for these items. '' The person on the phone ran my credit. I got a letter in the mail telling me that my application wasn't approved. I told them not to run my application. 
The people that answer the phone have run me my around, and have hung up on me. 
I cussed them out big time, because they did something I told them not to do. 
I'm sure you won't do anything because you kiss the XXXX of big corporations, and banks. 
Tell the XXXX to listen to the recording. 
SICK OF THE XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: IN

Complaint narrative:
Since XX/XX/XXXX I have paid my XXXX XXXX account in full. It is still showing that I owe over {$80000.00}. And it is reporting to my credit as of XX/XX/XXXX. I need this to be taken off of my account so that I can get an FHA loan. And I will not be able to get it with that delinquent account sitting on my 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 2022-09-20 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: IN

Complaint narrative:
Since XX/XX/XXXX I have paid my XXXX XXXX account in full. It is still showing that I owe over {$80000.00}. And it is reporting to my credit as of XX/XX/XXXX. I need this to be taken off of my account so that I can get an FHA loan. And I will not be able to get it with that delinquent account sitting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act the following XXXX  accounts have violated my rights under the following laws : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 


XXXX XXXX Account # XXXX XXXX XXXX XXXX Texas # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
The below Loan Servicing Company is taking payments for my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are telling me that they can not find my loan. 

I spoke to employee XXXX XXXX in Customer Service and he was very rude, not helpful, and could not find my loan. Also he refused to transfer me to a manager. 




SPECIALIZED LOAN SPECIALIZE XXXX XXXX XXXX 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 2022-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
There are what I believe to be numerous violation of the Fair Debt Collections act by this agency. I do indeed have a valid debit with XXXX XXXX XXXX XXXX XXXX XXXX for an ER visit my child needed in late XXXX. After my insurance, I still owed close to {$3000.00} and set up a payment plan with the hospital. Thru the hospital, I continue to make monthly payments and it shows my balance. About 7 months ago I began getting phone calls from " Harris and Harris ''. They do not identify themselves as a debt collector or trying to collect a debt. Just a general message to call their office. About 4 months ago I was able to connect the dots after getting a letter about the debt. I rote them that it was not valid and I was paying the hospital as agreed and to stop calling. They did briefly. I did get a single call to my work phone ( which is accessible and can be heard by others ) where they did identify as a collector. I have not had that message since. Things stopped after I complained directly to XXXX XXXX 's but not long ago it started up and I began recording ( note and audio recordings ) of the messages I get. The timeline on those are as follows and each recording simply states : " This XXXX XXXX calling from Harris and Harris limited, please contact me or any of our representatives at XXXX '' and the recording ends, each time. Since I started tracking this, calls have occurred on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, I grew tired of their tactics and send a formal letter certified mail that was received and signed for by their office in XXXX. USPS Tracking # XXXX. In the letter I again explain, dispute, and ask they cease contacting me via phone and to only communicate in writing, I have not received a single written communication but 4 calls now since. 

I know there are wose debt collectors out there, but you'd think any reputiable collector would understand the basics of the law and at least identify themselves in their calls as a collector, which they dont, and supports they're anything but credible and why it seems they are collecting on a bogus account/debt. 

Please help me make this end. Copies of the letter to this company and the recordings of the calls can be provided. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: NJ

Complaint narrative:
I am submitting this complaint against Experian because I have had it with their nonsense. I have submitted 2 complaints about their unlawful reporting of a bankruptcy on my credit report. Twice they have sent responses saying I am not me AFTER I submitted confirmation that I was sending in my own disputes. I can foresee all of their stalling responses. Bankruptcy is NOT public record, it is private because I deem it to be. They will probably respond that they get the info from a 3rd party which would be false because I am opted out of all 3rd party consumer reporting agencies and have been for years. I also have had contact with the US Bankruptcy court and confirmed they DO NOT provide information to ANY reporting agencies because it is PRIVATE. It sounds to me like Experian committed identity theft but using my information to furnish a report without my permission. Before I pursue legally and seek to be compensated for their violations of the FCRA, which will and can be done before the month is over, I am demanding this damaging private information be removed. If not please expect to be served with a formal complaint. If the response is they can still not allegedly verify me, I will also move forward with a complaint. Enough is enough.

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 2022-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AZ

Complaint narrative:
On XX/XX/XXXX I paid off my student loan balance of {$8000.00}. I did a lump sum payment to clear the debt. 

On XX/XX/XXXX I read about the COVID relief program and how any payments made towards a federal student loan after XX/XX/XXXX could be refunded. I then called EdFinancial on XX/XX/XXXX and requested a refund for my payment. They told me I was not allowed to receive a refund since I paid off my debt. I asked for an email copy of the policy they were following and they would not provide it to me. 

I called again on XX/XX/XXXX after Biden announced the loan forgiveness program. I requested the exact same thing, a refund of my payment made on XX/XX/XXXX. The representative told me she submitted it for me and it would be processed. 

I am frustrated that I was told no and treated extremely poorly on XX/XX/XXXX only to have it done two weeks later. The representatives are not knowledgeable on the policies and are telling people mixed answers. I could possibly not receive my refund in time for loan forgiveness due to having to find a representative who would actually process my refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I noticed an alert on my credit report last week and I flagged it that there was a credit inquiry. 

Today I got a letter from Bank of America that someone attempted to open a card in my name. However, according to the letter that Bank of America needed more information to continue with the application. The application was filed online. 

Bank of America told me to notify you and the credit reporting agency of attempted fraud.

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 2022-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: OH

Complaint narrative:
From the beginning of the mortgage process the company told me I had enough VA eligibility for both homes ( until I sold the home I was living in ). Through the months of the build process we were told we were fine. The loan went through underwriting and everything no problem. Two days before we closed they told us they made a mistake and never put in the VA eligibility into the loan. This meant in order for us to close two days always we had to put down XXXX dollars on top of the XXXX we already had to start the build process. This pushed back our closing date and cause huge issues with closing on the house we are selling. This institution told me that I would only have to pay XXXX XXXXXXXX XXXX if I wanted to close on the actual date then came back a day later and said XXXX. This wasnt the only issue we had with the lender NVR multiple communication issues and errors happened throughout the process.

Company response to consumer: Closed with explanation