vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a complaint against timeshare XXXX. They had my GA license at that time. I've dealt with several of their employees namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, they introduced themselves as XXXX XXXX instead of a salesperson. They used visual film and graphs to convince us we're making a good financial investment as they also showed resale history goes up. The said it had some tax benefits similar to owning a second home. They offered gifts such as more points & vacation at XXXX location. We felt pressured to decide right away as they needed to get a " corporate '' approval to grant us the price being offered, and a manager went upstairs to talk ; telling us things like it's our last chance at the lowest price. We felt we're being rushed, they didn't inform us of the fees, they didn't even allow or gave us enough time to read through the contract. We never received an original copy of the contract as well, they provided us the first page only. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. It felt like we were profiled, XXXX - XXXX XXXX XXXX and XXXX- a veteran. We're elderly, it appears we were taken advantage of because of our age. Having this timeshare just gave us hardships than giving us a way to relieve our stress, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people our age. It only caused us financial difficulties, we declared bankruptcy again and lose apartment & car/van. We're both retired but we couldn't make payments on other existing bills. We were in the office for XXXX hours going through stuff. They told us deposit would be waived but set up vacation club credit account and showed it as a promo purchase. Asked us to sign forms we couldn't read or get copies of; made us sign forms but they didn't even advise or inform us what they were but simply telling us it's part of the process. They took advantage of our old age to defraud 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 non-monetary relief
Consumer complaint received 2022-04-06 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:
This is a complaint against timeshare XXXX. They had my GA license at that time. I've dealt with several of their employees namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, they introduced themselves as XXXX XXXX instead of a salesperson. They used visual film and graphs to convince us we're making a good financial investment as they also showed resale history goes up. The said it had some tax benefits similar to owning a second home. They offered gifts such as more points & vacation at XXXX location. We felt pressured to decide right away as they needed to get a " corporate '' approval to grant us the price being offered, and a manager went upstairs to talk ; telling us things like it's our last chance at the lowest price. We felt we're being rushed, they didn't inform us of the fees, they didn't even allow or gave us enough time to read through the contract. We never received an original copy of the contract as well, they provided us the first page only. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. It felt like we were profiled, XXXX - XXXX XXXX XXXX and XXXX- a veteran. We're elderly, it appears we were taken advantage of because of our age. Having this timeshare just gave us hardships than giving us a way to relieve our stress, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people our age. It only caused us financial difficulties, we declared bankruptcy again and lose apartment & car/van. We're both retired but we couldn't make payments on other existing bills. We were in the office for 5 hours going through stuff. They told us deposit would be waived but set up vacation club credit account and showed it as a promo purchase. Asked us to sign forms we couldn't read or get copies of; made us sign forms but they didn't even advise or inform us what they were but simply telling us it's part of the process. They took advantage of our old age to defraud us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-06 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: NH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking account with Citibank on XX/XX/22. I used to account for shopping and to pay bills and rent, never overdrawing, bouncing a check or having a check returned. I went to use my card on XX/XX/22 and the transaction was declined. Without warning or any kind of reason, Citibank closed my account and is now holding my remaining balance of {$1500.00}. Im unable to pay bills or rent and their customer service has no answers and Ive been hung up on more times than I can count. I want my funds returned ASAP

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 

XXXX account # XXXX Trans union XXXX XXXX XXXX # XXXX but on my report the number isnt provid e

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 2022-04-06 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: TX

Complaint narrative:
I'm filing a complaint on Trans Union LLC. I sent Trans Union LLC a 609 letter disputing information on my credit report and asking them to show me proof of the information on my credit report is accurate. The letter was sent back in XXXX dated XX/XX/2022. Under the federal law they have 30 days to complete an investigation and 15 days to let me know what information they have found during their investigation. It has been over 45 days and I have not receive a response from Trans Union LLC. I've sent them a 30 day to comply letter and I have not receive a response from that either.

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 2022-04-06 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo cashed a check in 2017 and didn't credit by home mortgage with XXXX Bank. The check was over XXXX and causing negative 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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Payment made to XXXXXXXX XXXX XXXX XXXX in the state of Illinois for my mortgage with BOA. The check was cashed and NOT applied to the correct account. The company STOLE money from me and caused negative 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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
In XX/XX/XXXX XXXX of my kids tested positive for XXXX  and they were out of school for a month so i had to take time out from work to care for them. My mortgage company did not care. I still had to pay on time no exceptions. I now have tested positive for XXXX  XX/XX/XXXX and i even lost my job because of the sickness and lingering issues and symptoms. Not only am I required to still pay my mortgage but my mortgage has also gone up due to escrow! Its extremely difficult and i have no idea what to do

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 2022-04-06 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: NH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-06 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: FL

Complaint narrative:
I have disputed the following items with TransUnion to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company : XXXX XXXX opened date : XXXX XXXX amount : {$980.00} company : XXXX XXXX opened date : XX/XX/XXXX amount : {$1800.00} company XXXX XXXX XXXX XXXX  opened date : XX/XX/XXXX amount : {$1900.00} company : XXXX XXXX XXXX XXXXpened date : XX/XX/XXXX amount : {$470.00} company : XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX closed date : XX/XX/XXXX amount : {$0.00} company : XXXX opened XXXX : Decemeber XXXX, XXXX amount : {$0.00} company : XXXX XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$100000.00}

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 non-monetary relief
Consumer complaint received 2022-04-06 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: NH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
According to my credit report there have been 2 attempts, in the past 3 days, to fraudulently obtain a credit card in my name. I have called XXXX XXXX XXXX and was informed the application has been shut down. However I have not been able to find anyone at Citi Bank to help me. I have put a freeze on credit file and I have written letters to all three credit bureaus.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 


Equifax # XXXX but on my report the number isnt provid XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
( CCB stands for Comenity Capital Bank ) I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Received an alert for a drop in credit score of XXXX points, in addition to a new " collection '' from XXXX XXXX XXXXMitchell D. Bluhm & Associates in the amount of {$460.00}, from Emergency Physicians of Central Florida XXXX I have NEVER done business with this company, never received ANY documentation from either company. Pursuant to 15 U.S. Code 1681c-2, this is identity theft and MUST be removed and blocked from my consumer report within 4 days. I have filed an FTC report, as required by the CRA 's. 
Correction removed, indefinitely and not to be resold or transferred or added back to my consumer reports.to ALL credit reporting agencies that company is reporting to Letter on letterhead that states the items have been Relief, monetary compensation for damages this is the ONLY collections/negative account that I have reporting. I have been denied credit due to this ERRONEOUS and Fraudulently reported information. 

Filed complaint with XXXX  : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Strategic Automotive Servicing, LLC
State: TX

Complaint narrative:
This Account Below should be closed but is reporting open on my XXXX XXXX and XXXX credit reports. The XXXX was bought back from actual dealer ship and sold. This loan is reporting open when it should be closed. 

Account STRATEGIC AUTOMOTIVE SER XXXX {$8400.00} {$400.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/2021 Payment Received {$400.00} Last Payment Made XX/XX/2021 High Balance {$9600.00} Pay Status Current ; Paid or Paying as Agreed Terms {$400.00} per month, paid Monthly for 24 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
We agreed to pay off a collection last year in XX/XX/2021 with XXXX XXXX XXXX. The agreement was with account representative XXXX XXXX. that once the amount was paid in full. XXXX XXXX will request for complete deletion from our consumer credit report and send to XXXX, XXXX and Equifax. This is a joint account in the sum of {$1200.00} was paid by me and my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We agreed to pay off a collection last year in XX/XX/2021 with XXXX XXXX XXXX. The agreement was with account representative XXXX XXXX. that once the amount was paid in full. XXXX XXXX will request for complete deletion from our consumer credit report and send to XXXX, Experian and XXXX. This is a joint account in the sum of {$1200.00} was paid by me and my husband.

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 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Please help, I have disputed these items which I DO NOT OWE. This company has 12 items listed on my XXXX credit file. This is crazy

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
On XXXX, i requested a 10 day payoff figure from Hyundai finance for my automobile. A week later, having received no response, i contacted them again. On both occasions, they requested the last four digits of my SS # as well as my birth date to ensure I was the correct party. Instead, they sent me a secured message that provided me with the information for XXXX XXXX XXXX XXXX of XXXX XXXX, Ca.First, this is an unauthorized disclosure to me by Hyundai ; but, now I wonder whether or not they in fact sent my information to some other party making for another disclosure. 
The amazing part is they also asked for my e-mail. So, i do not comprehend how they made such a foul up. 
After receiving this incorrect information, I did call again and ask for a supervisor who really didn't seem concerned that this occurred.

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