vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 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:
XX/XX/2020 the debt was paid in full. My attempts to resolve this matter with the Creditor have been unsuccessful. My payment of {$100.00} was applied to the wrong account with a larger balance and refused to resolve this account. I have attempted to resolve this with the company.

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 2020-10-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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:
I never had a XXXX account nor XXXX XXXX XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new 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 2020-10-24 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 never had a XXXX account nor XXXX nor XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I viewed my credit report and saw that there was a debt in collections. I have never received any mail correspondence, phone call or anything regarding this debt. I am unsure of why it is on my credit report and no one has even contacted me about it. When talking to the company representative and then a manager. They offered me no resolve and told me there was nothing I could do but pay the debt. They have reported it to my credit and that is not fair that no one, not even the company that states I owe a debt has contacted me regarding this debt. The company is called Sequium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I tried to tell them having trouble making payments. Gotten behind and paying what ever I can. They will call 6 to 10 a day. Blowing up my cell or calling my job. I have asked both to stop no use. Won't stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24 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: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XX/XX/2020 the debt was paid in full. My attempts to resolve this matter with the Creditor have been unsuccessful. My payment of {$100.00} was applied to the wrong account with a larger balance and refused to resolve this account. I have attempted to resolve this with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I am receiving repeated, continuous robocalls from Midland Credit Management on my cellphone, harassing me on a daily basis. I have no debts and have no reason to be receiving these calls. I have also sent a cease and desist letter. 

This unnecessary harassment needs to stop interrupting me throughout the day multiple times -- and without cause. I suspect that I am on their list because mine is a common name, and the company has not taken the time to investigate fully if they have the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: OK

Complaint narrative:
From my understanding when you dispute a collection and/or pay down your credit cards your credit score stays either the same of moves up. Why is that my credit score drops drastically when there nothing but positive be changes? Transunion has the worst customer support and seems to me unfair credit reporting

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 2020-10-24 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Submitting as well to the AG and XXXX since Experian seems to not want to move on this complaint!

I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. 
They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 

You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$2500.00} XXXX XXXX ACCT : XXXX AMT : {$3500.00} XXXX XXXX ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 
The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 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 2020-10-24 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: NY

Complaint narrative:
EQUIFAX - Is not fixing the Dispute as I requested on several of my Credit card accounts. 


I DID NOT DISPUTE THE ACCOUNTS, and Yet The Statement : " Consumer Disputes This Account '' is on several Credit Card Accounts ; XXXX and XXXX XXXX and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My account has been frozen since XX/XX/XXXX. I have called multiple times they transfer me to the department that's able to unfreeze my account and it goes straight to voicemail. I left multiple messages with no return call, I need my account open asap its causing major damage to my business. I'm losing revenue!!! This is my last request before my attorney file suit for damages and loss wages!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: MI

Complaint narrative:
I checked my credit report back in XX/XX/2020 and noticed several inquires on my credit report that i had no knowledge of nor did i authorize, and came to the realization that someone may have stolen my personal information. I contacted my local police department and was told, since no fraudulent accounts were open to file an identity theft report with the FTC and submit it to the credit bureaus to bring any fraudulent activities to their attention and to get them removed. i have mailed a copy of my ftc report using certified mail to equifax and XXXX twice since XX/XX/2020, using the tracking numbers from the mail receipts i was able to verify both times that the letters were received by these agencies. still to this day ( over 3months later ) i have not received any rersults, or status updates from these agencies. i have called these agencies several of times and have got diffrent stories each time, including we never got the letters, we are still working on your disputes, and then again we never received your disputes. i will upload the receipts and tracking numbers from the united states postal service proving that i indeed mailed my forms to these agencies and that they received my documents both times, i will also upload a copy of my federal identity theft report along with my state id and social security card so that these agencies can do the jobs they are paid to do and not falsely close this complaint out due to not being able to identify me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-10-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Information received back from dispute to Credit Acceptance validates my reason for dispute. Letter from Credit Acceptance states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 2.  Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 4. One report shows paid, and other shows as derogatory thats still in collections. These are multiple inaccuracies which are in violation of my rights under FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has not provided me with proof of the follow collection accounts : 1.XXXX XXXX XXXX Original creditor : XXXX XXXX  {$450.00} Balance updated XX/XX/2020 Account Info Tap labels for more details 2. XXXX XXXX XXXX IN Original creditor : XXXX XXXX XXXX  {$100.00} 3.XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$540.00} Balance updated XX/XX/2020 4.XXXX XXXX XXXX Original creditor XXXX XXXX XXXX {$440.00} Balance updated XX/XX/2020 I have contacted them on several occasions via telephone and via written notices 3 times. All of the above accounts listed has been removed from XXXX and XXXX   and my credit reports has been updated. This is hindering my on going home purchasing process for me and my family. This has been a very stressful process with Experian and I don't know what else to do at this point.

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 2020-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ME

Complaint narrative:
I have a Toyota Financial car loan. Upon purchase, I set up automatic payments through TFS. Without informing me, TFS stopped the automatic payments. TFS does not send me paper statements even though I have called repeatedly and asked for them to be delivered. I can not access the online account even though I have called repeatedly about this issue. When TFS stopped my automatic payments, I was unaware that this had happened. TFS did call several times, but they did not leave a message. They just hung up. Because of the hang ups, I assumed that this was a scam call. They finally sent a statement for XX/XX/2020 when they had not taken out three payments. TFS charged me late fees and reported nonpayment to the credit bureaus. I did not stop payment ; they did. This is their error. If you read other complaints to XXXX  and CFPB, this is a commonplace complaint against TFS. The resolution I request is updating my credit report and refund of late payment fees. Please note : I have also filed a complaint with the XXXX. This has not resulted in a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
The selections stated are not accurate but the best answer with the selections given. 
TD Bank Retail Services is doing the financing for XXXX. 48 months no interest, minimum payments. XXXX requirements is your Billing and Mailing address must be the same. That is not possible as the community I live in does NOT receive XXXX mail. They will not accept XXXX XXXX. I call XXXX and there is nothing they could do. Also due to COVID-19 I am not in primary residence. The TV was not for my primary home either. I was told to call TD Bank and have them update my address. TD Bank Retail Services Number XXXX. You try calling to see if you can get through. How can they be in business if they don't pick up the phone and assist their customers? No email either. Only XXXX. I spoke with XXXX # XXXX. The only person I spoke with he called me and advised me to place the order and then change the address. 
from XXXX on hold each time 4-5 hours, NEVER spoke with someone, always disconnected. TD bank could no update my address until I have an account. The only way to have an account was to place the order. I was told by TD Bank to place the order and the call back to amend the address. I called and called 5 times all on hold 5-8 hours and NEVER speaking with someone from XXXX. The items were shipped before I could speak with anyone. I am 125 miles away form the shipping address and out of state. Many restrictions on leaving and entering states ( NY, NJ & PA ) Also the TV was too big to fit in my car and drive it back 125 miles. The address was finally updated after the fact. I had to get some to return the items for XXXX shipping. Not an easy task at all. Also the delivery was restricted so I could not change the delivery address nor could XXXX. I called many TD offices, and department and nobody could help me except that department " TD Bank Retail Services ''. They did not have an internal number to call so a few kind individuals called on their line while I was on hold. Again could not speak with anyone. I had to wait until the products were retuned so I could re-order. Now I have the bill with the incorrect amounts with late fee. I want a refund of the late fee. I have been on hold now for 2 1/2 and I am hanging up. I have contacted TD Bank again thought XXXX now was well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
This loan was taken on XX/XX/XXXX, I filed chapter XXXX bankruptcy in XXXX. This loan was paid off in this bankruptcy and the company was contacted by the law firm that represented me. I found out this year the loan is still open under my name, I contacted this company to find out why. The first representative was very rude but I was told the loan was closed and discharged due to bankruptcy I asked her to please forward this info to the state and I was told have a nice day and hung up on. I called again and I was told they never received information about my bankruptcy and was I sure I added them to it. I told her yes and she asked me to send over paperwork which I did. I called this morning and was told that I need additional paperwork. This is ridiculous bankruptcy is public record I have all my paperwork and should not have to jump through hopes to get them to follow the federal laws. I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: OK

Complaint narrative:
From my understanding when you dispute a collection and/or pay down your credit cards your credit score stays either the same of moves up. Why is that my credit score drops drastically when there nothing but positive be changes? XXXX has the worst customer support and seems to me unfair credit reporting

Company response to consumer: Closed with explanation