vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 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: CA

Complaint narrative:
EQUIFAX IS REPORTING INCORRECT INFORMATION. I DISPUTED THE ERROR BUT THEY FAILED TO CORRECT THE ERROR. 



RE : ACCOUNT # XXXX XXXX XXXX Joint Installment Loan {$7600.00} Date of Loan : XX/XX/XXXX, Charge-off To EQUIFAX, The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, consumers have the right to force alleged creditors to report accurate information. The FCRA governs the behavior of consumer reporting agencies. 
EQUIFAX IS IN VIOLATION OF THE FCRA. 
VIOLATION : Furnishing and Reporting Inaccurate Information The above referenced loan is being reported inaccurately and needs to be removed immediately or I will take legal action to enforce my rights. 

In order to report this account the CRAs, must provide proof this is a valid debt and a the money is owed as alleged. Please see the California laws regarding loans. 

California Commercial Code Section 3303 ( b ) Citing UCC 3-303 ( b ) ( specifically, California Commercial Code Section 3303 ( b ) ) the Court of Appeal held that negotiable instruments, including a promissory note, are subject to the defense of lack of consideration OR proceeds. Consideration is defined as " any consideration sufficient to support a simple contract. '' Lacking Consideration Is Not Enforceable XXXX v. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  Court of Appeal, Second District, Division 3 ALL LOANS REQUIRE CONSIDERATION ( PROCEEDS ) TO BE LEGAL I have requested you to provide proof of the consideration for this alleged loan/debt. I have asked you to provide the proceeds check or disbursement check for this alleged loan of XX/XX/XXXX. Show me where you paid me the funds you are alleging I now owe. Under California state law as well as under the FCRA you must provide proof of this in order to furnish this information to the CRAs or you MUST delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CA

Complaint narrative:
XXXX IS REPORTING INCORRECT INFORMATION. I DISPUTED THE ERROR BUT THEY FAILED TO CORRECT THE ERROR. 



RE : ACCOUNT # XXXX XXXX   XXXX Joint Installment Loan {$7600.00} Date of Loan : XX/XX/XXXX, Charge-off To XXXX, The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, consumers have the right to force alleged creditors to report accurate information. The FCRA governs the behavior of consumer reporting agencies. 
XXXX IS IN VIOLATION OF THE FCRA. 
VIOLATION : Furnishing and Reporting Inaccurate Information The above referenced loan is being reported inaccurately and needs to be removed immediately or I will take legal action to enforce my rights. 

In order to report this account the CRAs, must provide proof this is a valid debt and a the money is owed as alleged. Please see the California laws regarding loans. 

California Commercial Code Section 3303 ( b ) Citing UCC 3-303 ( b ) ( specifically, California Commercial Code Section 3303 ( b ) ) the Court of Appeal held that negotiable instruments, including a promissory note, are subject to the defense of lack of consideration OR proceeds. Consideration is defined as " any consideration sufficient to support a simple contract. '' Lacking Consideration Is Not Enforceable XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX California Court of Appeal,  XXXX XXXX XXXX XXXX ALL LOANS REQUIRE CONSIDERATION ( PROCEEDS ) TO BE LEGAL I have requested you to provide proof of the consideration for this alleged loan/debt. I have asked you to provide the proceeds check or disbursement check for this alleged loan of XX/XX/XXXX. Show me where you paid me the funds you are alleging I now owe. Under California state law as well as under the FCRA you must provide proof of this in order to furnish this information to the CRAs or you MUST delete this information.

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 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
I have written to Rushmore Loan Management Services because they changed the terms of my loan when it transferred to them, which their website states they will not do. 
I am writing to dispute the late fees that I am being charged. My loan was transferred from XXXX in XXXX of 2017 where late fees were not a part of the terms. The Rushmore website states that the terms of your loan, when transferred to Rushmore, will remain the same. Initially the XXXX terms were honored but after the first few months after a false loan modification increasing my payment did not stand, suddenly I began being charged late fees. I pay my mortgage after the XXXX of each month because, as a senior citizen, that is when I receive my social security check. This was never a problem with XXXX. Rushmore not only began charging me late fees which was a departure from the terms of XXXX, but also began sending me letters stating that I was in default and threatening foreclosure before the month during which my payment was due had even ended. 
When I told the last representative about the illegitimate late fees being charged to my account, I was advised that a letter to the company was all that was needed to clear this up. I have written to the company previously but received no response. Here is the information on their website : https : //www.rushmorelm.com/faq/ Generally, the terms of your loan will not change as a result of a transfer of servicing. Rushmore will honor the terms of your loan that were in place with your prior servicer, including any existing repayment plan or loan modification to which you agreed with your prior servicer. Contact Customer Care toll-free at XXXX Monday Thursday from XXXX XXXX  to XXXX XXXX  and Friday XXXX XXXX to XXXX XXXX ( all times PT ) if you have questions. 

I believe I am being discriminated against if late fees are charged to my account. I would like this corrected and the late fees removed. 
Thank you, XXXX XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CA

Complaint narrative:
This issue is an existing problem which XXXX and Equifax, XXXX  wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation wentXXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a levy notice last year from my bank that XXXX XXXX had attempted to attach my bank account due to a levy. They followed up with a settlement letter. I contacted XXXX XXXX. They informed me that they had purchased the debt from Chase bank for a credit card I had that was charged off in XXXX. I asked the representative how they could collect on a charged off account on a credit card that was over 4 years old. He informed me that they had filed a judgement that was good for 10 years. I informed him that I was never made aware of this until the levy notice. He told me that they had sent a letter to XXXX XXXX XXXX XXXX CA. XXXX. I told him this was my parents old house, and I had not lived there since XXXX. I asked him how I was to have been legally notified of such a severe financial matter if they had mailed a letter to a residence I had not lived at for over 20 years. He put me on hold. When he returned he stated the same information previously stated and asked if I wanted to pay the debt. I informed him that I did not feel this had been handled in a legal manner and that I was going to seek more information or legal counsel. That was the last conversation I had with XXXX XXXX last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This medical bill is not mine. I have contacted several times and asked to see a billing record. It was never sent and XXXX actually removed this during my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: SECURITY FINANCE CORP
State: MO

Complaint narrative:
Every time I look I get a hard inquiry from XXXX. I never gVe them permission to do an inquiry except initially when I first started. I cant believe how many time I got hit with these. I even ask when they called me up and offered me more funds if there would be a hard inquiry and the lady said no. I am very upset with this. Also I am a little behind on bills due medical leave leading g to terminate on XX/XX/2029. Just recently started a contract job Monday before last to catch up Help!!! No more inquiries from this lender! They havnt even told me about a single one!

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 2019-06-26 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: CA

Complaint narrative:
This issue is an existing problem which XXXX and XXXX, Transunion wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. XXXX XXXX, XXXX XXXX XXXX , XXXX 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 2019-06-26 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: MO

Complaint narrative:
Please remove the following fraudulent inquiries appearing on my credit file. These inquires are unknown to me and should be considered as fraudulent. Remove these unauthorized inquires immediately. 

1 ) XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) 6 ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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: MO

Complaint narrative:
Please remove the following fraudulent inquiries appearing on my credit file. These inquires are unknown to me and should be considered as fraudulent. Remove these unauthorized inquires immediately. 

1 ) XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) 6 ) XXXX 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 2019-06-26 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: MO

Complaint narrative:
Please remove the following fraudulent inquiries appearing on my credit file. These inquires are unknown to me and should be considered as fraudulent. Remove these unauthorized inquires immediately. 

XXXX ) XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-26 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: SUNTRUST BANKS, INC.
State: MO

Complaint narrative:
Every time I look I get a hard inquiry from SunTrust. I never gVe them permission to do an inquiry except initially when I first started. I cant believe how many time I got hit with these. I even ask when they called me up and offered me more funds if there would be a hard inquiry and the lady said no. I am very upset with this. Also I am a little behind on bills due medical leave leading g to terminate on XX/XX/2029. Just recently started a contract job Monday before last to catch up Help!!! No more inquiries from this lender! They havnt even told me about a single one!

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 2019-06-26 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: MO

Complaint narrative:
I'm disputing these fraudulent inquires please remove them because I did not authorize any of the following. 

1 ) XXXX XXXX  XXXX XXXX XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) 3 ) XXXX  XXXX XXXX  XXXX  ( XXXX ) 4 ) XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXXXXXXXXXX  ( XXXX ) 7 ) XXXX XXXX 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 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My complaint doesn't fit any options you listed other than it was an attempt to collect a debt. It happened this way : I had a XXXX managed by Synchrony Bank. This matter just resurfaced over an attempt on my part to get a JC Penny credit card. I got an answer from Synchrony Bk saying my credit was not approved due to an unsatisfactory issue with the bank. So I wrote Synchrony and asked for the specific reason for the denial. An answer came back telling me I had an account with them that ended in a charge off. 1yr ago after being robbed, and having my bank acc't compromised, I called Synchrony to set up a time when the remaining balance of {$280.00} would be paid. The agent who assisted me told me he was transferring my call to someone who would handle my payment.The next agent asked me what caused my account to become delinquent? I told her, then she asked if I could pay {$93.00} that would close my acc't would I do it? I said yes, then she proceeded to set up payment arrangements with a caution, all payments must be paid by the due dates or the deal would be cancelled and I would again owe {$280.00}. There was never a time when anyone told me this was a charge off that would negatively affect my credit. Had I known that I would have paid the balance due. 
My point is Synchrony Bk while attempting to help clients like me, is actually doing great harm by not telling customers up front what a Right Off is and how it will affect their credit going forward. I feel the bank should be sued for not being truthful. I tried to go back to the notes I had at the time online but my account has been removed from their site. I will research for my personal notes for dates, and other info in case it's needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: MO

Complaint narrative:
I'm disputing these fraudulent inquires please remove them because I did not authorize any of the following. 

1 ) XXXX XXXX XXXX ( 1XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3 ) XXXX XXXX XXXX XXXXl ( XX/XX/XXXX ) 4 ) XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX (XX/XX/XXXX ) 7 ) XXXX XXXX XXXX (XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: MO

Complaint narrative:
I'm disputing these fraudulent inquires please remove them because I did not authorize any of the following. 

1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3 ) XXXX XXXX   XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX ( XX/XX/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 2019-06-26 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: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Thunderbird collections has a collection on my credit report in which I was not the patient nor the financially responsible party. 

I have disputed this with the major credit bureaus, and requested a validation of debt this and they refuse to remove the collection from my credit report. 

The validation of debt clearly shows the patient and financially responsible person is my spouse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: NV

Complaint narrative:
I had an charge off account with XXXX XXXX XXXX, I paid that account in full and as a courtesy they agreed to delete the tradeline from my credit report. XXXX, XXXX deleted the account from my credit report but Equifax still reporting the account even though XXXX XXXX XXXX  ask them to deleted from my credit report. Please remove this account from my credit report, here is the letter XXXX XXXX XXXX   gave me asking you guys to stop reporting that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TX

Complaint narrative:
The credit bureaus involved have NOT actually verified the information but instead have instead used the XXXX system to verify and have refused to remove fraudulent and erroneous information. See attached letters. Please read in detail.

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 2019-06-26 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:
The credit bureaus involved have NOT actually verified the information but instead have instead used the XXXX-XXXX system to verify and have refused to remove fraudulent and erroneous information. See attached letters. Please read in detail.

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 2019-06-26 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: TX

Complaint narrative:
The credit bureaus involved have NOT actually verified the information but instead have instead used the XXXX-XXXX system to verify and have refused to remove fraudulent and erroneous information. See attached letters. Please read in detail.

Company response to consumer: Closed with explanation