vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: MECHANICS BANK
State: IL

Complaint narrative:
My aunt passed away in XXXX of XXXX and left me as the the executor to her estate. Being unfamiliar with the process of obtaining her possessions, I hired a probate attorney to handle the estate and am still waiting for the orders to be signed by the judge. 

On XX/XX/XXXX, I received my first phone call from XXXX XXXX, an employee of Mechanics Bank. He was trying to obtain information regarding the auto loan balance on my aunt 's vehicle. He called both me and my brother multiple times in the following two weeks. Our lawyer advised us not to communicate with him as everything was still in the probate process, however, my wife decided to call him back on Wednesday, XX/XX/XXXX to access the situation. 

XXXX asked her what our intentions were with the car. My wife communicated that we would like to pay off the balance and keep the car. He said that she needed to send him the death certificate and will, stating me as the executor to her estate, and then he would be able to disclose how much is owed and we could pay off the balance. My wife immediately sent an email with requested documents and we waited to hear back. 

Two days later, the car was repossessed in XXXX, IL, either late Thursday, XX/XX/XXXX or early Friday, XX/XX/XXXX. Upon discovery of missing vehicle, we contacted XXXX XXXX who informed us that, yes, the car was repossessed. Both me and my wife spent the entire day on Friday, XX/XX/XXXX, communicating with different employees, managers, and supervisors of Mechanics Bank. We received multiple different explanations as to why this happened and heard a lot of " our hands are tied ''. They would not disclose where the car was, or how we could obtain our possessions from the vehicle, or how we could pay off the balance and get the car back in our possession. They lied and screened our calls and bounced us from one person to the next, up until the office closed and it was the weekend. This continued on Monday morning, XX/XX/XXXX, with the same result - nothing. 

We have requested a release to be sent to the company where the car is being stored so we can at least go and obtain personal belongings from the car. The company will not comply. We have requested to pay off the balance and get the car back. The company will not comply. They have both the death certificate and the will, yet will not allow me to move forward. We are worried that they will sell the car or have already sold the car. We need answers and honesty and we are getting neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-14 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: TX

Complaint narrative:
I filed a dispute with Equifax on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from Equifax. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. The Equifax report is not accurate as its missing names. 

disputed accounts 1. ( missing account name ) Original creditor : {$74.00} Account number XXXX 2. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  {$240.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: AZ

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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 asked the company to send me the proof of the verification of these accounts how the were verified and the kept sending me letters of no proof of verification on there part

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 2022-02-14 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 asked the company to send me the proof of the verification of these accounts how the were verified and the kept sending me letters of no proof of verification on there part

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Throughout XXXX and into XXXX I had experienced many difficult encounters with this company. I had setup bi-weekly payments and even called them to let them know and they assured me that I could do the bi-weekly plan I had planned. It wasn't until about XXXX months in that I noticed late pays and when I called them they said that the system didn't know so it appeared as if all my payments weren't applied correctly. They fixed it and assured me that they weren't negatively reporting me to the bureaus and that it wouldn't happen again. I had to do this every few months until last year, XX/XX/XXXX, when I had enough and refinanced my mortgage with XXXX. I had a pay off letter showing I was current on all payments, and I had even talked with NewRez prior to that refi to ensure that my payments were all applied appropriately. They told me that they had applied all payments correctly and that everything with the bureaus would be fine. Additionally, my refi went thru with XXXX no issues. 

Fast forward to XXXX and I'm in the process of looking for a new house and getting a pre-approval letter and low and behold NewRez is showing me having a missed payment in XXXX of XXXX. I promptly call the company to resolve this and I'm told there is nothing they can do and that if I wanted it resolved I would have to fax them a letter or mail them a letter. Yes, you read that correctly, in XXXX I'm required to fax something to a company who reported incorrect information on my bureau and they place the burden back on me to fix my report when THEY were the ones that messed it up in the first place. 

NewRez has not only tarnished my credit score, they are now preventing me from putting offers in on houses in a very competitive housing market. This is unacceptable and I demand an answer from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXXtransunion has me at a score around XXXX. 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 XXXX 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 XXXX 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

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 2022-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
I purchased a litter robot through affirm financing in early 2021 the original order was stolen in transit or porch pirated I worked directly with litter robot to get the device blacklisted and a reshipment was ordered. The second one arrived damaged at which point I paid to ship the second unit back to litter robot and the expectation was set that the affirm financing would be refunded and I should get a refund of my original installment in 60 days from affirm 60 days came and went affirm called attempting to collect payments I informed them at that time that the merchandise had been returned outsourced fellow said a ticket was being opened and everything would be fine. They called a second time attempting to collect repeat aforementioned conversations this time I watched it closer and logged into their help center and sent a message.. the response I was given is that since 120 days had elapsed since I had returned the item and affirm didnt cancel the loan they still expected me to pay the installments.. i confirmed in writing they were asking me to pay for something I returned and no longer have. At this point I feel like their practices may be in breach of some kind of consumer protection law.. like surely its not legal to charge people for things they do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
I filed a dispute with transunion on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from transunion. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. The transunion report is not accurate as its missing name. 

disputed account XXXX Original creditor : XXXX XXXX  XXXX  {$240.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number 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 2022-02-14 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: AZ

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: AZ

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc.
State: MI

Complaint narrative:
XXXX XXXX from Credit Counsel Inc has been harassing me for a year about a collection of my fathers debit, and the phone calls started before my father had died. My father was a patient at the XXXX 's of XXXX XXXX who had fallen behind on a debit. I was listed on his contact information for the XXXX  as a Emergency Contact which was only meant for the XXXX XXXX, but XXXX somehow got that information and used my telephone number to try to contact me about my dad. I explained I hadn't spoken to my father but explained he was still at the XXXX 's where he could reach him, and XXXX still tried to contact me from time to time which I explained that the only number I had for him was the XXXX XXXX. My father died in XX/XX/2021 and in XXXX XXXX XXXX called again, to which I explained that my father had died. XXXX said that I was responsible for this debit, which I explained I was not since this debit was my fathers. He asked if my father had any estate which I responded no, my father had no land or house or any property. He then threatened me saying I was fully responsible for paying back this debit, don't I feel bad that this debit hasn't been paid, I need to find a way to pay this back before he sues me. I explained to him this wasn't my debit nor my responsibility since I wasn't as power of attorney for my father either. He was continually usually manipulation tactics to try to make me pay this, and to say he was going to come after me and my siblings to make us pay. 

Then today I get a e-mail threatening to sue me for this debit, which again isn't mine to begin with. I explained in my email attached there was no will made, I had to make last minute medical decisions for my father since his death was sudden, and this is harassment. I feel threatened and I am tired of feeling like I'm going to jail for something that isn't my fault. I am tired of the harassing phone calls, and now emails which I NEVER GAVE THEM.. This shouldn't be allowed or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
The balance on my credit account XXXX XXXX is wrong..

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 2022-02-14 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: MI

Complaint narrative:
I sent a letter to transunion which they received by certified mail XX/XX/22. Requesting the original creditor information for a collection account ( XXXX ) and also verification of this alleged debt. They sent me a letter unrelated to my request. They have violated regulation V and also 15 usc 1681c as a consumer report shouldnt include such adverse information. They were notified in writing as they never received my written consent to even publish this deragatory information about me defaming my character. Also the account was deleted by XXXX as they COULDNT verify 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 2022-02-14 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: WV

Complaint narrative:
Was informed from my credit report, someone fraudulently attempted multiple banks/credit unions loans. Contacted XXXX XXXXXXXX XXXX to report fraud. They stated since the application is pending theres nothing that can be done. Until I randomly check back days later to see if the individual got their loan on my name/social. I told them by then its too late the fraudster would have the money. They stated until the loan is approved they cant do nothing. I told them to stop the application its fraud. They refused. Also this bank is listed twice on my report with two different branch addresses. They confirmed they own both branches. My credit report show two different accounts attempting to open by both of their branches.

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 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
Called Innovis, They refuse to mail a report to me because of my current mailing address in XXXX. Also told me they can NOT generate a security freeze. - Again because of my mailing address. Even their web site is off-limits to me because of my IP number. 
Using a dead address in the USA leaves me open to ID Fraud with little recourse or knowledge. Failed to accept any Korean proof of address including Social Security 1099. 


I have a suspected compromised Debit Card and need all XXXX agencies to freeze my account. With at least XXXX other companies releasing unauthorized data about me, I need to freeze my account. I have the other XXXX credit bureaus agreeing to this, but NOT Innovis. 

Please stop this form of discrimination against XXXX XXXX!

Company response to consumer: Closed with explanation