vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am writing to request your help. My rights and credit have been affected by this issue on a late payment for XX/XX/XXXX with Honda Financial. My account information is AMERICAN HONDA FINANCE. Account # XXXX. Opened XXXX XX/XX/XXXX. Original balance : {$11000.00}. 

I did not receive any statement with a due date at all, I called their customer service on XX/XX/XXXX and they stated they only allow XXXX method at a time. They said that my, account got enrolled in email statements back in XXXX. I dont remember enrolling the account online. I have not been able to access my email since XXXX of XXXX because it was hacked. 

I have already tried to fix this with them in different ways including a goodwill letter I sent to them on XX/XX/XXXX, they did not even investigate or mark the account as disputed per FCRA regulations. This is preventing me to purchase a home and it is not even my fault, nor a financial issue. I really would appreciate your help since this is causing a big impact on my Credit Report. 

I demand a deletion letter from Honda. If they refuse to provide me this, I will not hesitate filing a lawsuit for the following violations : unfair business practices, negligence, failing to provide late notice and some other violation that will come once I talk to my attorneys.

See attached : - Documents sent to Honda - Proof of funds ( this was not a money issue ) - Proof of email hacked Thanks to whomever reads my complait.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: ID Analytics, Inc.
State: FL

Complaint narrative:
sagestream has some inquiries on my report that are not mine. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX, XXXX- XXXX   XXXX  XXXX  XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX- Mortgage Cos. 
XXXX Inquiry from XX/XX/XXXX, XXXX- Real Estate Sales/Rent XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX, XXXX- Auto Financing XXXX XXXX Dealer S Inquiry from XX/XX/XXXX, XXXX- Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX- Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX- Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX # Inquiry from XX/XX/XXXX, XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, XXXX XXXX   XXXX  XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX- National Credit Card Cos . 
Factual Data Inquiry from XX/XX/XXXX, XXXX- Miscellaneous Reptg.  Agencies Ccb/ppc Inquiry from XX/XX/XXXX, XXXX- National Credit Card Cos . 
XXXX XX/XX/XXXXInquiry from XX/XX/XXXX, XXXX National Credit Card Cos . 
XXXX XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX- All Banks XXXX XX/XX/XXXXInquiry from XX/XX/XXXX, XXXX- these inquires are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: OK

Complaint narrative:
Consumer reporting agency report State denial due to criminal background record as a part of my adverse action I was under the impression that criminal record can not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-14 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I completed an extension with Ally Auto Finance on or around the XX/XX/XXXX I  was told to pay a total amount of {$230.00} on or before the XX/XX/XXXX. I also was advised that i would receive a document confirming this in the mail. To simply sign the document and send it back and no payment will be due until XX/XX/XXXX. which then only a partial payment would be due. I received the document on XX/XX/XXXX us mail and i signed and returned this back via us mail. I then began getting collection calls shortly after. I then spoke to them 3 times via telephone and advised i sent the document back and have made the payment and i do not understand why they keep calling and reporting i owe them a payment. They said the extension has not been processed and that i would need to pay more money and do another extension. I advised i am not going to do that it is not my fault that they have not processed it. I paid what i was advised to pay and yet they keep calling. I then reached out twice via chat and confirmed the department has been notified to update this information. however they still do not show that i have the extension done. I then was told that they will continue to collect and call until it is processed. They keep telling me to call back in 2 days and now i feel that they are doing something unethical and wrong. They were paid as agreed to and now they are not holding up their end of the deal.

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 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
Got two calls from XXXX XXXX  XXXX. I then got a notification from my credit report saying they placed a collection on my report. I never got a letter of dispute which is against fair debt collection practices. 
I then called XXXX XXXX XXXX and they state that I do not and have not had a balance of XXXX with them for the date of XX/XX/2015. I also checked with any other physician I saw and I do not have a bill for XXXX with the er at XXXX XXXX. They confirmed this. 
This company I called back and they said they were collecting for cascade Capitol LLC. 

There is no bill due for XXXX all of my bills with XXXX XXXX as of this date have been paid in full. This is a fraudulent bill collection attempt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: NY

Complaint narrative:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.

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 2020-01-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2019 I contacted the following credit bureaus : Equifax, XXXX  and XXXX. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : XXXX   loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
The card was closed abruptly and I was not allowed to communicate with them. Nor have I received a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
We have received multiple letters saying we need to have more flood insurance. We have provided multiple documents showing that we have more flood insurance than the loan amount. 
They bought more flood insurance and billed us for it. They just send a generic rejection without giving us guidance as to what amounts we need and WHY.

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 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have spent 2 hours typing this and this webpage just reset itself and your upload wont let me upload so I cant send everything through upload. I will send everything thought the document upload. M & T did not change my account like I asked to have done before I went in for XXXX. I was never informed of there being 2 different free checking accounts and neither was my husband when he went into change his account and our joint account before his XXXX. Because M & T Banks associate was either neglectful or the associate or M & T was extremely deceitful. M & T bank says oops were sorry its a misunderstanding. A misunderstanding where I lost a lot and they gained it. M & T was not up front about their account types or explained what changes were made when my husband changed over the 2 accounts. My husband was unaware that the 2 accounts had been changed to a completely new account type. I am sorry if this doesnt make a lot of sense. I am trying to be fast because the website resets and clears everything and I have to start over and the upload wont let me upload. Only update since that is M & T Bank completely wiped out all the money my husband had put in there for bills. When my husband went to talk to them they pretty much told him ol well we can do what we want If XXXX name is on it. Really? This account has been being disputed since XX/XX/19. Now M & T has taken every account that has my name on it into the negative. They didnt even leave money in the joint to cover the pending transaction. I am guessing every account in my name is in the negative because I have been fighting this since XX/XX/19 and Im not sure who can help me so Im sending it everywhere. M & T has now stolen $ XXXX from us.

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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I have made several attempts to resolve this issue with Southwest Credit but no avail. Southwest has called me countless times threatening to pursue action on a debt that doesn't belong to me. Upon talking with Southwest I ask them to send me a validated correspondence of said debt with my signature and, yet I have not received anything stating that I am the owner of said. I have also asked for Southwest to stop calling me but they continue to call all day long. According to the FCRA and the FDCPA it's my lawful right to have validity of said debt. I have also called XXXX and asked about said debt and they informed me that, the debt was a fraudulent account and they don't have any other information on file that can be shared with me. I asked XXXX how can you place fraudulent account with a credit agency? And again XXXX said they couldn't give me any answers other than it's not my account. Again, no one has sent me out any paperwork or a contract stating that they serviced me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CW Financial
State: CA

Complaint narrative:
On XX/XX/18 i contacted XXXX XXXX at crest wood XXXX   apartments regarding forfeit my lease due to an family emergency which resulted into me having to move back to XXXX. I was given a pay off balance of XXXX to forfeit my lease. I was given a payment plan which i also gave a date when i was moving out. On XX/XX/2018 i contacted XXXX XXXX via phone stating i had already moved out and i had sent my payment via money order with the keys by mail. I also contacted XXXX XXXX asking for a copy of my pay off plus a copy of my forfeit agreement however leaving numerous of voicemails XXXX nor XXXX never called back. We communicated a lil thru email, where XXXX stayed she had received my money order of XXXX. She never contacted me back after. So i felt everything was done and paid off until i was placed in collections stating they never received anything from me and i have every money order & email that was sent between the three of us. Ive tried contacting XXXX XXXX myself to resolve the issue and no one called me back or anything. Ive been trying to get this removed from my credit for a year now Ive paid them and gave the keys back to the unit. By me not being an XXXX  native i feel like they mistreated and placed it on my credit to keep me from moving back home to XXXX. Ive been homeless since behind XXXX and XXXX unprofessional behavior with me.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
DiscoverCard contacted me at XXXX on XX/XX/XXXX to inform me that they needed to verify my personal information with the IRS  and that I needed to immediately sign a form allowing them access to my tax returns if I wanted to keep my account open. As a Discover cardmember at the time I complied with their request as I was a Discover cardholder in perfect standing with them, never a late payment, never a missed payment ). My account had been open approximately 3+ years without a negative issue occurring at any time. 

Discover shortly thereafter closed my account upon informing me that they could not verify my information with the IRS. I contacted the IRS  and they informed me that all of my information was correct. Discover representative informed me that the IRS did not verify the information and if they did she would not know any longer because they just closed my account without finding out if my information matched the information with the IRS. She very snarkily mentioned that I should have filed my XXXX tax returns by now ( XX/XX/XXXX ) and if I didn't it wasn't Discovers fault. This will have a serious negative impact on my credit score and my belief is that Discover acted with malicious intent. The IRS  confirmed that the information they have is correct. 

I had recorded the conversation with the representative at Discover and it is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT IS REPORTING ON MY CREDIT. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO IDEA AS TO HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: IN

Complaint narrative:
On XX/XX/2019 I contacted the following credit bureaus : XXXX, XXXX and Transunion. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : XXXX loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}

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 2020-01-14 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: IN

Complaint narrative:
On XX/XX/2019 I contacted the following credit bureaus : XXXX, Experian and XXXX. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : Student loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}

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 2020-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I paid {$16000.00} to Ditech after I was told in front of witnesses that my balance was about {$13000.00}. I knew that I owed a fee from the past so I overpaid them thinking that I was going to get a refund as I had before when I paid my house the 1st time. Time had past and I contacted Ditech about refund and paperwork on my house stating that my house was paid in full but instead they told me that I still had a balance. I didn't understand and no information was given to me due to the fact I was in bankruptcy. I check on my account every day to check the balance and it showed that I paid {$16000.00} but they would not apply the funds to the principal amount instead they kept it in suspense and would not apply until a year later XXXX. Now they tell me that I owe over {$17000.00} what in the XXXX is going on. Nobody can explain to me what all the new fees are for and my house is in foreclosure. I feel that they did not apply all my payments to my account. I see a XXXX  balance and now neg and don't know where they came from. Now XXXX has my account and they are confused. Money was added to my account. Please Help me. When I requested my payment history they would never give it to me until they sold my account. I guess they didn't know I knew my rights. Everything on my account is mess up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
AMERICOLLECT INC. 
has an account on my credit report thats not mine and that is not owed to them. 
sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } americollect does NOT have PROOF ( VALIDATION ) of a writing contract between me and them stating i owe.Furthermore, { AMERICOLLECT } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. THERE ACTS ARE A VIOLATION OF Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation