vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a closed account with XXXX XXXX XXXX for a auto loan taken out in 2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ 8000+ due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.

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 2019-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Ive been trying to get access to my XXXX that Ive deposited a few months ago and citizens bank refuses to release the money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium Asset Solutions , LLC has harassed me by phone, mail and continued after XXXX advised them that I did not owe XXXX any money.XXXX XXXX of XXXX @ XXXX has advised them ( see attached ) and they continue to write and harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: GA

Complaint narrative:
I made my mortgage payment on time for XX/XX/2019 but Ive been reported to the credit bureau because the company failed to include an {$8.00} increase due to my interest rate fluctuations. However I continue to have this issue often whenever my rate changes. Whenever I make a payment I never state the amount but when asked I always state to make the regular payment which clearly means what ever is due. The last time I had this issue I was told that the system sometimes doesnt have the same account information before if the payment was made on the weekend and my argument was thats a company problem.XXXX XXXX doesnt allow you to speak to anyone unless you fax which makes it very difficult to resolve a problem immediately. XXXX  XXXX XXXX never treated me like this but this new trade is causing me many unnecessary stress. I pride myself in maintaining a good payment history and credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: AR

Complaint narrative:
ONCE AGAIN XXXX HAS BRACHED OUR AGREEMENT BY BE RE-INSERTRD SETTLE SETTLED BANK ONTO MY CREDIT REPORTS. THEY HAVE VIOLATED THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a closed account with XXXX XXXX XXXX for a auto loan taken out in 2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ XXXX due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a closed account with XXXX XXXX XXXX for a auto loan taken out in XX/XX/2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ 8000+ due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.

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 2019-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Notice to principal is notice to agent and notice to agent is notice to principal. This dispute is being executed on Santander as they have breached the contract without cause, citing their inability to verify XXXX XXXX Social Security Number. Santander verified XXXX XXXX 's Social Security Number at the signing of the contract and credit approval however they alledge that they are now unable to verify the Social Security Number and they want the vehicle returned which would breach the contract. 
I put {$1000.00} down and signed contract and pulled off with vehicle on XX/XX/2019 I even spoke with finance company a few days later confirming everything finance company is Santander and place I purchased car is XXXX   XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent the attached letter to Experian requested requesting that they send to me documents bearing my signature on the items I previously disputed an inaccurate. I demanded written verification of these items they were reporting. They contine to send a letter stating that they investigated and subsequently re-investigated the disputed Items on my credit report, when in FACT they never did a proper investigation. 

The law is clear, I have rights under the Fair Credit Reoprting ACT. They continue to violate the law by not sending me written verification of documents with my name and signature on them. 

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that Experian somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how their investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to Experian previously are once again attached along with this correspondence in order to help you process this request.

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 2019-06-16 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Mercedes Benz Financial Services ( " MBFS '' ) improperly reports an amount assessed after the termination of the lease, as an unpaid loan, which impacts the credit in a more harmful way than if the item would be properly reported. 

At the termination of the lease, the lessee has to return the vehicle and receives a lease termination statement, from the dealer where the vehicle is returned. The dealer reads the odometer, looks at the overall condition of the car, inputs the data into the system and generates a statement showing the amount to be paid in case of returning the car and a buyout proposal. 

In my case the value of the amount owed if returning the car was XXXX ( XXXX ) and the buyout was the residual value of the car. The dealer mentioned that any extra mileage fees will be waived. I opted for the return of the car and received a statement in writing showing a XXXX dollars owed to MBFS. 

Unbeknownst to me, the amounts were not accurate. MBFS assessed a {$5000.00} amount based on additional mileage and opted for reporting the amount to the Credit Bureaus as unpaid loan. This foreclosed any possibility for me to obtain another car lease for 7 years. 

The proper way for MBFS was to post the loan as paid in full, as showed in the document obtained at the end of the lease, and the {$5000.00}, as a collection item. The collection item would influence my overall credit, but it would allow me to obtain another car lease. 

I believe that adding the {$5000.00} at a later point is fraudulent, as the amount would have greatly influenced my decision to purchase the car rather than return it. 

By improperly reporting the item MBFS are trying to extort an amount that I believe it is not due to them. Rather than trying to adjudicate the matter in court, they are choosing to miss-report in an effort to unduly obtain the funds. 

I have contacted MBFS, but the representative was unable to understand what is issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: TFC Credit Corporation of California
State: TX

Complaint narrative:
sent ftc claim and all required documents for my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( " XXXX '' ) improperly reports an amount assessed after the termination of the lease, as an unpaid loan, which impacts the credit in a more harmful way than if the item would be properly reported. 

At the termination of the lease, the lessee has to return the vehicle and receives a lease termination statement, from the dealer where the vehicle is returned. The dealer reads the odometer, looks at the overall condition of the car, inputs the data into the system and generates a statement showing the amount to be paid in case of returning the car and a buyout proposal. 

In my case the value of the amount owed if returning the car was XXXX ( XXXX ) and the buyout was the residual value of the car. The dealer mentioned that any extra mileage fees will be waived. I opted for the return of the car and received a statement in writing showing a XXXX dollars owed to XXXX. 

Unbeknownst to me, the amounts were not accurate. XXXX assessed a {$5000.00} amount based on additional mileage and opted for reporting the amount to the Credit Bureaus as unpaid loan. This foreclosed any possibility for me to obtain another car lease for 7 years. 

The proper way for XXXX was to post the loan as paid in full, as showed in the document obtained at the end of the lease, and the {$5000.00}, as a collection item. The collection item would influence my overall credit, but it would allow me to obtain another car lease. 

I believe that adding the {$5000.00} at a later point is fraudulent, as the amount would have greatly influenced my decision to purchase the car rather than return it. 

By improperly reporting the item XXXX are trying to extort an amount that I believe it is not due to them. Rather than trying to adjudicate the matter in court, they are choosing to miss-report in an effort to unduly obtain the funds. 

I have contacted XXXX, but the representative was unable to understand what is issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
I was notified by two credit bureaus today of an alleged debt by Commonwealth Financial in the amount of {$1400.00}. I don't know who these people are or have any communication indicating what this alleged debt is about. It's pretty clear this is yet another fly by night " collection '' agency harassing an innocent citizen. 

do not release my contact information to this company. they obviously don't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: AL

Complaint narrative:
My credit report is reading that my accounts are closed and is causing harm to my reputation. I have yet to get a response about this debt after I have written letters to have it verified or removed. My account balance is showing {$10000.00} in total from all accounts. If it can not be verified, I would like the invalid information to be deleted. I have no original documents with my signature stating that I owe any collection agency any money for whatever reason. My status is reading in collections! At one point I was receiving numerous of phone calls being harassed that led me into changing my phone number. I want to be done with this for good. 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 explanation
Consumer complaint received 2019-06-16 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: AL

Complaint narrative:
My credit report is reading that my accounts are closed and is causing harm to my reputation. I have yet to get a response about this debt after I have written letters to have it verified or removed. My account balance is showing {$10000.00} in total from all accounts. If it can not be verified, I would like the invalid information to be deleted. I have no original documents with my signature stating that I owe any collection agency any money for whatever reason. My status is reading in collections! At one point I was receiving numerous of phone calls being harassed that led me into changing my phone number. I want to be done with this for good. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America still has derogatory marks on my credit reports about late payments and I would like to have it removed as it is bringing my credit score down. I dont have a account number because the account has been closed since XX/XX/2015. 

Thank you, 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 2019-06-16 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: TX

Complaint narrative:
A company did a hard inquiry on my credit report on XX/XX/2017 which I have no recollection of. I reached out to the company with a certified letter over 60 days ago stating that the hard inquiry needed to be removed. I have recently checked my credit report and the hard inquiry remains.

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 2019-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This Issue was resolved year ago and now this company is trying to collect money that i never owned before XXXX Equifax XXXX they removed and now this company put it back again on my report while XXXX XXXX XXXX did removed from my report. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was going through my Equifax credit history and noticed that on XX/XX/2018 a hard inquiry was posted on my account. I have never applied for any line of credit with the company and have never done any kind of business with them. It shows " XXXX '' as the name of the institution and " XXXX XXXX XXXX XXXX '' next to the description. After researching I found out that XXXX stands for XXXX of XXXX XXXX. The credit reporting website said to contact the creditor ( XXXX ) to dispute the inquiry. I contacted XXXX and they said that they could not help, that I had to contact Equifax directly for them to remove it from my account. I then contacted Equifax and told them what XXXX told me and they said that they are only a reporting agency and that the process must be initiated by XXXX. XXXX still does not help and I am stuck with a hard inquiry I did not initiate and 4 hours of my time wasted. None of then want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Target account has derogatory missed payments on my credit report that I would like to have removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/11 I received a letter in my account saying my account was closed by chase bank. 

Ive contacted the bank as to why my accounts was closed and explain to them that I have done nothing wrong. 

I paid all of my credit cards on time The only thing I did was use a 0 APR promotion that they were offering on my card. 

I asked the bank to re-review the closure of my bank, and they still decided to close my account without reasonable merits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There is stuff coming up that is over 7yrs old That I have no n.v idea what it is for or who it is should be taken off my cc score history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: TX

Complaint narrative:
Upon reviewing my credit report I found a couple of hard inquiries that I did not authorize. 
After finding these issues I reached out to both companies, the one that ran the hard inquiry, and the credit reporting agency that list  it. I sent certified letter to both companies over sixty days ago, asking them to remove the inquiry, but it still shows on my credit profile.

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 2019-06-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Information XXXX XXXX  Lease year XX/XX/XXXX Charge off XX/XX/XXXX Equifax lower consumer score again XX/XX/XXXX same Charge off account 6Year 1Month to date.The account information has not changed.  charge off account XX/XX/XXXX has the same meaning today XX/XX/XXXX no new information as the law states the same words charge off XX/XX/XXXX is the same word you reported new information as reason for 27 point drop.XX/XX/XXXX are you saying your reporting is wrong from XX/XX/XXXX so you up date the word to a new charge off XX/XX/XXXX first new information two weeks back 23 points the second week 4 more points 27 point same information reported as new information.

Company response to consumer: Closed with explanation