vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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:
I am writing to dispute the following information in my file. The items I dispute are listed below. The bureaus have been ignoring my requests.

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 2021-01-29 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:
I am writing to dispute the following information in my file. The items I dispute are listed below. The bureaus have been ignoring my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPSERVICING is charging {$15.00} fees when making payment online on there website, that was never happen before. I thinks thats a lot. It's should {$5.00} or free. My income is less and its seems a lot. I there any rules how much a motortage company should charge a fee when making a-payment online on there website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I took a personal loan out with Ally Bank through XXXX XXXX XXXX in the beginning of XXXX. I received an email on XX/XX/XXXX that my first payment was due on XX/XX/XXXX. I made my first payment on that date. A few days later I received an email that there was an error and my first payment was due on XX/XX/XXXX XXXX I made my payment of the due date that I was told. The end of XXXX I received notification that my payment was late. I called and explained the situation and was told the late fee will be reversed. XXXX I made my normal payment and a few days later I received another notification that my payment was late. When I called customer service I was told my request was denied and i will have to pay the late payment. I explained that is is a financial burden because i am on a fixed income. I work part time but because of Covid my job is shut down. Now the late payment is doubled since I did not make the first late payment. I tried to explain that this was an error on their part so why should i be punished But they dont want to listen. I am at my wits end. If you can help I would greatly appreciate it.

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 2021-01-29 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: ID

Complaint narrative:
I was a victim of Identity Theft and Fraud. I had sent in a police report in the previous filing. Please not this, and remove these accounts immediately. I shouldn't have to keep doing this to protect my credit.

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 2021-01-29 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and XXXX! I can not accept this!

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 2021-01-29 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:
I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX  XXXX, XXXX. ; XXXX XXXX ( C.E.O. ), XXXX XXXX ( C.E.O. ) and XXXX XXXX ( C.F.O. ), for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.

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 2021-01-29 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: NC

Complaint narrative:
I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX  XXXX, XXXX. ; XXXX XXXX ( C.E.O. ), XXXX XXXX ( C.E.O. ) and XXXX XXXX ( C.F.O. ), for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: NC

Complaint narrative:
I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX  XXXX, XXXX. ; XXXX XXXX ( C.E.O. ), XXXX XXXX ( C.E.O. ) and XXXX XXXX ( C.F.O. ), for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.

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 2021-01-29 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: MN

Complaint narrative:
I am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my XXXX, XXXX  and Trans Union credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.

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 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021, I requested TD Bank to close my checking account ( account # XXXX XXXX and move my remaining funds to my savings account via tdbank.com account secure message, but they never did it, and charged me {$25.00} account maintenance fee later on the same day. 

TD bank even limited my eligible transfer amount so I can not transfer the remaining amount to elsewhere, my balance thus stay low and TD Bank would keep charging me fees. And during covid-19, I can not go to a branch to withdraw the remaining funds. 

This is unfair and unethical, I need TD bank to refund my {$25.00} fee immediately and close my account as requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29 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: AL

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only XXXX XXXX XXXX XXXX  only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX  {$720.00} XX/XX/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 2021-01-29 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: OneMain Finance Corporation
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/, XX/XX/, ONEMAIN FINANCIAL add a hard inquiry on my credit reports. 
On XX/XX/2020, XX/XX/2020, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I purchased a car on XX/XX/XXXX for {$20000.00} and financed through Bank of America. 

Less than one month later I paid off the full balance of the loan on XX/XX/XXXX as shown in the attached document. Ending principal balance is {$0.00} and includes the {$20000.00} principal payment and a {$76.00} finance charge for a total payment of {$20000.00}. The Bank of America website showed the account with a {$0.00} balance and no indication that any further payment was due. 

I began to get emails from Bank of America requesting another {$76.00} finance charge while the website said {$0.00} was due. I did not pay this amount. I called the bank asking where this charge was coming from and could not get an answer. 

Bank of America admitted on the phone that it was an improper double charge and told me they would waive the charge. This was unsatisfactory as I wanted the error corrected, so I filed a CFPB complaint on XX/XX/XXXX, ID XXXX. I did not make a payment on this date. 

In XX/XX/XXXX I received information that my credit score declined 100 points. On investigation Bank of America is reporting the account as more than 30 days past due. 

In addition, the credit report shows a {$76.00} payment on XX/XX/XXXX. I did not make this payment and assume that Bank of America made this payment instead of waiving the erroneous charge. 

I filed a dispute with XXXX and have tried to contact Bank of America to resolve this. Both without success.

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 2021-01-29 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: NC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Requested On : XX/XX/2019, SUNTRUST AUTO DEALER FIN Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these 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 2021-01-29 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my Equifax, XXXX  and XXXX XXXX credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my XXXX, Experian and XXXX XXXX credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.

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 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
I have tried on several attempts with no avail to get the payments lowered and/or get a feasible payment plan. Therefore, the car was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These items are erroneous and imprecise for I have not remembered having these items. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the items be DELETED to correct the 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 2021-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These items are erroneous and imprecise for I have not remembered having these items. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the items be DELETED to correct the information.

Company response to consumer: Closed with explanation