vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 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  and Transunion are reporting incorrectly a collection in the amount of {$850.00} on the XXXX XXXX XXXX XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Several years ago I had a XXXX account. I followed the cancellation policy outlined by XXXX and the representative I spoke with assured me the account was in fact closed and in good standing. I did not receive any documentation from XXXX indicating that this account was in jeopardy. XXXX, even after the account was closed, continued to charge fees. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XX/XX/2020 I disputed with XXXX, Experian, and XXXX  about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XX/XX/2020 I disputed with XXXX  and XXXX  Experian about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra

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 2020-03-13 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: CA

Complaint narrative:
Ive reviewed my credit report and happened to come across some information that must be deleted

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 2020-03-13 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: CA

Complaint narrative:
Ive reviewed my credit report and happened to come across some information that must be deleted

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 2020-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: NC

Complaint narrative:
We took a title loan on our XXXX XXXX last year. We were toldat the time of the sale we would receive any overage within 30 days. The car was autioned XX/XX/2019. Time went by and we heard nothing from LoanMax/XXXXXXXX XXXX. Not a phone call, letter, emailb text message. We called for information and were told we did not receive our overage because we did not request it. We owed money and our car was sold per the terms of the loan. Fair enough. 
We needed less than 1 week and {$200.00} to pay the loan in full. LM would not accept partial payment nor hold the car for 5 days. We are now due in excess of {$9000.00} and have not received a response even close to acceptable. My husband left 3 messages for a supervisor with no response. He called again last week and was told we had to wait another 120 days for the check to be issued from XXXX  to LM and another 60 days for LM to issue the overage to us. Unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I applied for a mortgage loan with Loan Depot. I have a series of e-mails with Loan Depot 's representative assuring me that the payments could be made bi-weekly. After closing, Loan Depot is unable to set-up bi-weekly payments. I was first told it would be a few weeks, then up to 90 days, and today, speaking with Loan Depot 's VP, Customer Experience, XXXX XXXX, I was told that she could not give me an outside date for when Loan Depot would be able to set-up bi-weekly payments. Loan Depot 's voice mail system states that correspondence is monitored, but VP XXXX is not able to access historical emails or phone messages. I was required to send her the correspondence with her company. Her resolution was that she could apologize to me and better train her staff to provide non-fraudulent information. She also advised that although her title is VP, she is the highest officer at Loan Depot who can be reached by the public/customers. All of the President 's correspondence is funneled to her. She could not resolve the misrepresentation made in multiple emails by the employees of Loan Depot. Loan Depot 's voice mail message states " we strive to provide the best possible customer experience ''. This is not what I have have experienced. I would never do business again with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: CA

Complaint narrative:
I pulled my annual credit report and noticed errors reported on my credit file.

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 2020-03-13 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: CA

Complaint narrative:
I pulled my annual credit report and noticed errors reported on my credit file.

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I was coerced into buying a time share with company through COMENITY BANK / XXXX LOAN NUMBER XXXX. I have been paying for the timeshare ; but later I realized that I was reported late for payment when I had been paying faithfully, I called them to find out why, and then they told me that a credit card was opened on the account and they ( timeshare company ) uses it to pay for other services, I was wrought because I was not properly explained to me, I told them I did not want a credit card but that it should be closed, and they did close the card and reported me late 92 -120 days, on the card, even though I am paying my monthly time share account religiously and faithfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : OHIO DEPT OF HUMAN SERVICES {$2800.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately

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 2020-03-13 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: LEXISNEXIS
State: OH

Complaint narrative:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : OHIO DEPT OF HUMAN SERVICES {$2800.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items listed below are not deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: MS

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charged off debt to my credit that I do not owe. My car was totaled and GAP insurance is supposed to be paying for it. I have been fighting with them for a while and they have not paid it. The lates and charge off on this account are not my fault and it should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charged off debt to my credit that I do not owe. My car was totaled and GAP insurance is supposed to be paying for it. I have been fighting with them for a while and they have not paid it. The lates and charge off on this account are not my fault and it should not be on my credit.

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 2020-03-13 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charged off debt to my credit that I do not owe. My car was totaled and GAP insurance is supposed to be paying for it. I have been fighting with them for a while and they have not paid it. The lates and charge off on this account are not my fault and it should not be on my credit.

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 2020-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I always paid my account on time, and yet they closed it. 
it does not seem fair that I pay my bills on time and still get treated so poorly.

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 2020-03-13 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: NY

Complaint narrative:
I have 1 hard Inquiry that I never did. Was not authorized by me. This was fraud. I have tried calling XXXX XXXX and kept getting the run around. I never applied for there cards. Which is the following they claim is the date I applied -- -> XXXX XXXX XX/XX/2018

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 2020-03-13 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 several items on my credit report that are not mine including a XXXX XXXX XXXX. I have never been put on XXXX XXXX. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXX  XXXX XXXX {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: OK

Complaint narrative:
XX/XX/20 they have called 6 times XX/XX/20 they called three times and I advised them a payment would be made on XX/XX/20 XX/XX/20 they called 5 times XX/XX/20 they called one time and I advised I would make a payment XX/XX/20 XX/XX/20 they called 5 times XX/XX/20 they called 2 times XX/XX/20 they called 4 times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XX/XX/2020 I disputed with XXXX, XXXX, and Transunion about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XX/XX/2020 I disputed with XXXX  and Transunion XXXX  about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra

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 2020-03-13 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: AL

Complaint narrative:
In XXXX and XXXX  of 2020 I disputed with Equifax, XXXX, and XXXX about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XXXX  of 2020 I disputed with Equifax and XXXX XXXX   about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra

Company response to consumer: Closed with explanation