vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 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: NJ

Complaint narrative:
Im writing this letter to dispute the following 3 reporting agency in which they did not respond to my disputes. These agency are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.

JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ** ** Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences **

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX has a Pre-Qualifying tool online that advertises that you can prequalify without affecting your credit score. Unfortunately for me, I was using this tool for over 1 year. I pulled my credit report recently and noticed I had several inquiries on my report from XXXX XXXX from using their qualifications tool. I contacted XXXX  XXXX with my concerns and was told maybe l used the tool incorrectly. It is impossible for anyone to use this tool incorrectly. When prequalifying, you must enter your information into the fields presented. This tool will then populate what you are qualified for. Once qualified, you select the card and then you select Apply. Unfortunately for me, I was only prequalified for the secured card which I accepted on XX/XX/2021. Each time my score goes up, I always try again but still only qualify for the secured. My issue is all these inquiries that are not supposed to be on my report is appearing when its not supposed to affect your credit score. These inquiries need to be removed because this is real bad practice

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 2021-08-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX has a Pre-Qualifying tool online that advertises that you can prequalify without affecting your credit score. Unfortunately for me, I was using this tool for over 1 year. I pulled my credit report recently and noticed I had several inquiries on my report from XXXX XXXX from using their qualifications tool. I contacted XXXX  XXXX with my concerns and was told maybe l used the tool incorrectly. It is impossible for anyone to use this tool incorrectly. When prequalifying, you must enter your information into the fields presented. This tool will then populate what you are qualified for. Once qualified, you select the card and then you select Apply. Unfortunately for me, I was only prequalified for the secured card which I accepted on XX/XX/2021. Each time my score goes up, I always try again but still only qualify for the secured. My issue is all these inquiries that are not supposed to be on my report is appearing when its not supposed to affect your credit score. These inquiries need to be removed because this is real bad practice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX has a Pre-Qualifying tool online that advertises that you can prequalify without affecting your credit score. Unfortunately for me, I was using this tool for over 1 year. I pulled my credit report recently and noticed I had several inquiries on my report from XXXX XXXX from using their qualifications tool. I contacted XXXX  XXXX with my concerns and was told maybe l used the tool incorrectly. It is impossible for anyone to use this tool incorrectly. When prequalifying, you must enter your information into the fields presented. This tool will then populate what you are qualified for. Once qualified, you select the card and then you select Apply. Unfortunately for me, I was only prequalified for the secured card which I accepted on XX/XX/2021. Each time my score goes up, I always try again but still only qualify for the secured. My issue is all these inquiries that are not supposed to be on my report is appearing when its not supposed to affect your credit score. These inquiries need to be removed because this is real bad practice

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 2021-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
On XXXX, I purchased a XXXX XXXXXXXX XXXX from XXXX XXXXThe purchase price was {$14000.00} in XXXX, NC. I went ahead and put down $ XXXX.My credit score is over XXXXIncluding the warranties that I signed for, the amount to be financed for $ XXXXWhen I realized that, I went to my bank to refinance the loan.XXXX XXXX XXXX sent a check of {$10000.00} to Bridgescrest the finance company that they would not apply to my account until I paid them th entire amount financed. 
On XXXX I paid {$1000.00} to Bridgescrest. I was told today that I needed to pay {$7000.00} to apply the XXXX XXXX XXXX check to my account to close it.I made the payment but believe that I was greatly overcharged.Bridgescrest had a 16.553 % interest rate and XXXX XXXX XXXX was offering 2.84 % rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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:
On several occasions I have tried to have my consumer report free from all negative things reflecting on my report each time Equifax have utterly disrespected me by failing to respond to my dispute letters, failing to provide proof of method of verification and allowing companies to place inaccurate information on my report without furnishing proof. They has violated several of my consumer rights. Specifically, they failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not they have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. I have proof Equifax have received and accepted through registered mail my dispute letter dated XX/XX/XXXX, and XX/XX/XXXX but failed to respond or provide proof of method used to verify this allege debt. I even reached out to these companies and they did not respond to any of my communications. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES, XXXX DISPUTE OF ILLEGAL INACCURATE INFORMATION Re : Account XXXX Portfolio Recovery Associates is reporting illegal inaccuracies on my credit report. The amounts and the legal removal date being reported is illegal inaccurate information. These accounts have been written off by the original company many years ago ; however, Portfolio Recovery continues to report inaccurate amounts and disregards the legal date of removal and has failed to provide legal documentation necessary to determine legal accurate information. 

I have sent several written requests certified mail requesting Portfolio Recovery Associates to provide legal documentation of the complete account history needed to legally determine accurate information. 

The documented proof I have requested has not been provided. I have only received random billing statements without sequenced dates and without payment history and late payment date. 

The billing statements do show the large {$500.00}. Payments I have made on the account that Portfolio Recovery did not credit to the account ; nor is there any indication of late payment dates that are needed to determine legal date of removal of the accounts. 

Portfolio Recovery is reporting illegal inaccuracies of amounts and date of legal right of removal. Portfolio Recovery has failed to provide the legal documentation information requested of the complete account history needed to determine legal and accurate information ; therefore by law these inaccurate accounts must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/2021, i sent CREDIT COLLECTION SERVICES, XXXX to rescind all payments on the above-listed alleged debt that were paid to you as they were in error. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You illegally collected the above-listed alleged debt and took payment on a debt that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. Finally, send a check payable to me for the {$50.00} paid to you in error.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Hello, On two occasions, JPMC chase bank sent me pre-approval offers for credit cards. I had a car loan with them, and they provided my credit score and credit information through the loan on their credit journey site. Chase denied my credit card application citing a XX/XX/XXXX rule that they do not advertise on the mailers they send or on their website. I had to find it on XXXX XXXX  after they used it against me to deny me credit and drop my credit score. I feel chase uses predatory lending tactics to entice customers to submit applications knowing they will later deny them. Chase bank could see that I did not qualify for theirXX/XX/XXXX rule but still sent two offers in subsequent months, making it appear that they had already vetted my report. I want them to remove the inquiry from XXXX and XXXX. The report they provide through their website is XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: GA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: NC

Complaint narrative:
I have a major problem with Trans Union for allowing two companies to continue to report an inaccurate payment history on my credit report. The inaccurate payment history of these accounts continue to persist, and Trans Union will do nothing to correct the issues. That is why I am contacting your office today. 

First of all, I had an account with XXXX XXXX in the past. The account number on this account was XXXX. This account was clearly closed in XXXX of XXXX. So since the account was closed in XXXX of XXXX, they should not have reported any active delinquencies after that date. But despite that, they reported that my account was actively late in XXXX, XXXX, and XXXX of XXXX ; nearly two years after this account was closed. So those unfounded delinquencies that XXXX XXXX reported are needlessly and negligently continuing to degrade my credit scores. I have made repeated requests for Trans Union to correct the inaccurate payment history, but they allow XXXX XXXX to continue to do this. 

Secondly, the same thing is happening on a separate account with XXXX XXXX Credit card. The account number on this account starts with XXXX, and ends with XXXX. This account was clearly closed in XXXX of XXXX. So since the account was closed in XXXX of XXXX, they should not have reported any active delinquencies after that date. But despite that, they reported that my account was actively late in XXXX and XXXX of XXXX, as well as XXXX of XXXX. So those unfounded delinquencies that XXXX XXXX reported are needlessly and negligently continuing to degrade my credit scores. I have made repeated requests for Trans Union to correct the inaccurate payment history, but they allow XXXX XXXX to continue to do this. 

I have been patient up to this point, to give Trans Union time to do the correct and right thing here. But the errors continue to persist on my Trans Union credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TN

Complaint narrative:
Dear XXXX and Transunion, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXX XXXX. I've never missed a payment ever since opening the account, and my payment history reflects my good standing and faithfulness. 

I previously tried correcting this mistake, and as a consumer, I trusted you to fix the information. Please note that I have opted out in writing to your forced arbitration terms and seek legal relief if this is not resolved appropriately. 

I demand you provide legal validation, but please remove the late payments from my account. Since I know you can not legally validate these late payments, please remove the late payments from my account / update them to current. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Account ending in XXXX I have a bank of America reward credit card for many years. I receive {$30.00} every quarter for making more than the minimum payment every month. Every month my payment is paid through auto pay. In the 1st quarter of this year, I changed my bank account for auto pay, but due to Bank websites problem that change didnt occur and my payment was not deducted and I did not receive the quarterly reward of {$30.00}. The bank is refusing to give the {$30.00}. It is not my fault that the change of bank account did not go through. Ive contacted the bank several times but theyre refusing to help. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
please review the following accounts that appear on my credit report, without any authorization, they are not mine, it is hurting me Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXX**** This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine.

5. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine. 

Identity Theft NAVY FCU Account Number : XXXX This is not mine. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Auto loan settlement was paid in full, as agreed. 
30 days later a new bill, under the same acct number was mailed to me. Now stating there is a past due amount. The account has been paid in full, a month early. 

Radius global continues to verify the account is paid in full, yet continues to bill and report to credit bureaus that the account is defaulted and past due. 
On XX/XX/21, spoke to Mrs XXXX ( original contact person ) she stated it is an error and the account is in fact paid. She stated an email would be sent showing no payment is due. 
The company refuses to send me verificattion of a paid account, is reporting to the 3 major credit bureaus and continues to add late fees and unpaid amounts to a closed account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX XXXX acct # 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 2021-08-04 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: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
AMERICAN CREDIT ACCEPT, late payments who were never made. XXXX REMOVE THEM NOW. 



XXXX XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 


XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 



Two inquiries who are - XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX Utilities and Fuel XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
I have consolidated federal loans from medical school that I have been paying on an income driven repayment plan since XXXX. I am currently a XXXX XXXX XXXX and have been working towards Public Service Loan Forgiveness. I have been making payments through the automatic debit system for the interest rate deduction. My XXXX XXXX XXXX is 7 years long, 2 years of which are dedicated to research. These two research years spanned from XXXX XXXX XXXX. During this time, under a 100 % institutional scholarship, I completed coursework toward a XXXX XXXX. As a XXXX, I was still employed and salaried by the hospital, and thus in XXXX as usual I submitted my yearly employment certification form as well as my yearly income based repayment recertification form, both of which were approved and a new payment amount calculated. Despite maintaining and recertifying my salary and making no tuition payments, my loans went into automatic in-school deferment from XXXX. I was not aware of this and assumed my payments were getting automatically deducted as usual until months later in XX/XX/XXXX when I noted that they were not and filled out a form to cancel the unnecessary deferment. I asked Fedloans to please bill me for those months and allow me to make the payments as I had submitted my ECF and IBR recertification forms and those had been approved, and was not making any tuition payments with the scholarship, thus a deferment that I did not request and was applied automatically did not even make sense, however they have not allowed me to do so. Furthermore, when processing the deferment cancellation request my account went into " administrative forebearance '' until XX/XX/XXXX while they processed the form and therefore I missed out on two more potential PSLF qualifying payments. Despite the deferment beginning in XX/XX/XXXX, my XX/XX/XXXX payment also did not get billed. There are therefore 9 unbilled payments ( XXXX XXXX XXXX  ) that I feel I am unfairly not being allowed to pay that would qualify towards PSLF, when I demonstrated clear intent to continue to make payments by submitting my employment certification form and income based repayment recertification forms on time that year.

Company response to consumer: Closed with non-monetary relief