vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 explanation
Consumer complaint received 2020-05-19 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$1300.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$330.00}

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 explanation
Consumer complaint received 2020-05-19 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$330.00}

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 explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
on XX/XX/2019 i signed a contract with Lowe 's Home Improvement store in XXXX, GA to install a new roof. I was given the option of using 0 % APR for 24 months which is what i opted for as opposed to charging it to a different card and getting points. I pay off my credit card balances in full every month unless i have 0 % and sometimes even then. My wife told me that a couple of days ago that our Lowe 's balance had increased on her credit report even though we have not charged anything since the roof to keep things simple. I looked up our account and saw interest charge of about {$790.00} which shocked me. I called Lowe 's credit card company which is Synchrony bank last Saturday and i was told that the promotional rate was entered for only 6 months and that I had to get the store to call in and change it to 24 months. I called the store same day and spoke to the store manager who told me i had to call back Monday and speak to XXXX. The sales person we dealt with has left the company. I called yesterday and spoke to XXXX who told me he would get our files and call me back by same day or this morning. Never called back. My wife keep excellent record of everything we buy in separate folders and there was not any finance paperwork in the folder. We need your help to clear this up and get the 24 months as promised to us by Lowe 's. 
contact person at Lowes is XXXX and his cell number is 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 monetary relief
Consumer complaint received 2020-05-19 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: MS

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX {$270.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$350.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX l sent a letter to Toyota Financial Services Administration respectfully requesting a lower monthly payment of $ XXXX {$390.00}. 

I have a Extreme Permanent  Financial Hardship and family Members also has a Financial hardship because of Coronavirus Pandemic issues. 
I am respectfully requesting that Toyota Financial Services make my auto loan more affordable as {$480.00} is to much for me to handle. 
I respectfully request that Toyota Financial Services accommodate me on my ADA XXXX  Civil Rights Act under Department of Justice. 
I like to keep the vehicle, and continue making timely monthly payments after XX/XX/2020 of payments between {$380.00} - {$390.00} a month. 
This what l can afford on auto loan. 
Coronavirus Pandemic issues has impacted many of my family and America Citizens and Military Veterans in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Nelnet, Inc.
State: CO

Complaint narrative:
The company is Great Lakes. I did not see an XXXX payment post, and just now noticed while doing budgeting. I logged in to my Great Lakes account and they put my loans in forbearance without my knowledge or consent! This is not the first time they have done things like this. Great Lakes needs to be thoroughly investigated and shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2020. I checked my credit and found a collection debt of $ XXXX wasn't mine. I called the collection agency ( Synerprise Consulting Services ) and explained to them that the debt wasn't mine and I don't live where the fraud took place. I ask them to verify my Social Security Number, but they couldn't. They only have my name and date of Birth. I even tried to get information for a police report, but the companies are giving me the run around. The collection came from XXXX XXXX XXXX in XXXX Texas. I live XXXX hours from there. They can't provide me an address where the transaction took place so I can file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continue to report false information on my report - I have been trying to work with Experian for weeks now and have exhausted all options trying to resolve this matter. PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: MS

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$750.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX   XXXX {$270.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX  XXXX {$1800.00} XXXX XXXX {$890.00}

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 explanation
Consumer complaint received 2020-05-19 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: MS

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$750.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX {$270.00} XXXX XXXX XXXX {$200.00} XXXX XXXX   XXXX {$270.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX  XXXX {$1800.00} XXXX XXXX {$890.00}

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 explanation
Consumer complaint received 2020-05-19 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: AR

Complaint narrative:
I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
XXXX XXXX, XXXX. Sent a letter claiming they can sue me for the balance if I fail to dispute the debt. They also stated a settlement offer in the letter and threatened that they are not required to make this offer in the future. 

The balance is {$8700.00}. This letter was sent on XX/XX/2020. 

This debt has been disputed and removed from my credit report at all three bureaus under a separate debt collector company called Jefferson Capital Systems , LLC. 

The new debt collector XXXX XXXX is attempting to collect an invalid debt that has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc
State: MT

Complaint narrative:
In review my XXXX  report ; I found this debt was from a eviction from a private landlord, i.e. Original Creditor : XXXX XXXX XXXX that was over 7 years ago ; it went to court in Washington State and there was a judgement ; to which was never resolved due to major discrepancies with this landlord that was not following laws. 

On XX/XX/2019 the original creditor XXXX XXXX XXXX sent this uncollectable debt to PUGET SOUND COLLECTIONS. This can not be collected, the original creditor knows that and the collection agency should know that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with XXXX was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, XXXX reported the account as delinquent/late 30 days or more to Transunion and XXXX  on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: NV

Complaint narrative:
I received a letter from XXXX XXXX XXXX  dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with XXXX was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, XXXX reported the account as delinquent/late 30 days or more to XXXX  and Equifax on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: AR

Complaint narrative:
I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2020-05-19 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2020-05-19 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
CHRYSLRCAP should not be reporting a late payment to XXXX ; XXXX and XXXX on partial account number XXXX. I called Chrysler and specifically made arrangements to defer a payment without penalty due to a financial hardship resulting from COVID-19. The representative I spoke with at Chrysler specifically stated that my account would not be in jeopardy, that I was eligible to defer a payment and that no lates would be reported to the bureaus. The representative with Chrysler misled me and unfortunately the deferred payment I was told I was eligible for did in fact report negatively on my credit report as a late. I have tried to get back in touch with Chrysler as well as contacting the bureaus to remove this late however, I have not been successful. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had a Walmart credit card originally issued by XXXX XXXX and purchased last year by Capital One Bank for several years. Banks are always saying that we must use credit responsibly and I have used this credit card and my other cap-one cards responsibly. this card has had a XXXX {$0.00} dollar balance on it for well over a year. Before cap-one ever bought the account. it has continued to maintain a XXXX balance since they purchased my account last year. Today, I go to login to my account and i'm told the account has been closed. I did not ask for the account to be closed, I was not informed in any way the account would be closed. I called customer service and was told the account was closed because I had a XXXX balance on the card for 18 months. apparently it is CapitalOne 's policy if you don't carry a balance at least once in a 18 month period they close your account. it is absolutely irresponsible to be doing this! punishing customers that do not earn you interest should be against the law if it isn't already! i've been a capital one account holder for almost 20 years. I requested that the card be reopened immediately and was told I would have to apply all over again. This would further harm my credit by placing another hard inquiry on my report and issues with account aging. If you are legally able to force people to carry a balance, at least let your customer know 90 days before hand to give them an opportunity to use the account and restart that clock!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FIRST HERITAGE CREDIT LLC
State: MS

Complaint narrative:
Per review of my credit report recently, i happened on a discretion. It stated " Paid Collection '' but i never was a collection account. This account never went legal. And i paid it all the way out shortly after. So, the account should not appear as a " Paid Collection '' I would like this thoroughly looked into and not just pushed to the side.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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