vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: MA

Complaint narrative:
I have been renting the same apartment for the last 10 years, however have been recently looking for elsewhere to live because of the rising cost of living, it is a strain to pay rent and to be closer to work. As a background, I have an excellent credit score ( but very little history ), no criminal history and no evictions or court appearances. On XX/XX/2023, I applied for affordable ( section 40B ) housing through a property management company, we'll call XXXX XXXX. The move in date was to be XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me that I was denied the apartment because of a check that was run on me through their renter screener company ; we'll call it XXXX XXXX. I called XXXX company for clarification. They provided me with a report and explanations. These reports showed that indeed, I have no criminal history, great credit score and good rental history. However, they assign an aggregate score. This score was quite low. When pressed for clarification as to how they got this score, XXXX XXXX stated that they aren't responsible for the parameters of denial and I would need to contact the property management company. XXXX XXXX said that they don't know how the score is calculated. Based on a score which can't be explained, I was denied more affordable and convenient housing.

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 2023-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: NJ

Complaint narrative:
on XXXX XXXX this company through another part contacted my aunt about a invalidated charge. When the other party furnished their number I called them back and they said they would send my social security number to a foreign company to further harass me. The epresentative also called me a XXXX over the phone and said i was XXXX to have a XXXX  vehicle. which i recorded te phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
SYNCHRONY
FINANCIAL
Inquiry: Feb. 09, 2023
Finance/Personal
(800) 924-2927

FEB DESTINY
Inquiry: Feb. 07, 2023
Bank
(503) 222-9960
REGIONAL ACCEPTANCE
Inquiry: Jul. 28, 2022
Bank
(919) 766-1388
SYNCB CHEVRON DC
Inquiry: Mar. 17, 2022
Bank +
(866) 448-4367
CAPITAL ONE
Inquiry: Mar. 16, 2022
Bank
(800) 955-7070
+
FIRST PREMIER BANK
Inquiry: Mar. 03, 2022
Bank
(605) 357-3440
ONEMAIN FINANCIAL
Inquiry: Feb. 17, 2022
Finance/Personal
(844) 298-9773

JPMCB - CARD SERVICE
Inquiry: Feb. 15, 2023
National Credit +
Card Cos.
ALLY FINANCIAL
Inquiry: Jul. 28, 2022
Auto Financing +
(800) 200-4622
GLOBAL LENDING SERVI
Inquiry: Jul. 28, 2022
Auto Financing +
(877) 298-1345
HYUNDAI MOTOR FINANC
Inquiry: Jul. 28, 2022
Auto Financing +
(800) 523-4030
WELLS FARGO DEALER S
Inquiry: Jul. 28, 2022
Auto Financing +
SOUTHTOWNE MOTORS
IN
Inquiry: Jul. 28, 2022
CBNA
Inquiry: Mar. 21, 2022
ONEMAIN
Inquiry: Feb. 17, 2022

Today
Credit
Cards
Automobile
Dealers, New
National Credit +
Card Cos.
Personal Loans

Account name
BK OF MISSOURI/TOTAL CARD
Account number
405731XXXXXXXXXX
Account type
NA
Responsibility
Individual
Date opened
09/10/2019
Status
NO STATUS.
Status updated
Jan 2021
Balance
-
Balance updated
-
Recent payment
-
Monthly payment
NA
Credit limit
-
Highest balance
$0
Terms

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 2023-04-08 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: MD

Complaint narrative:
Upon my investigation, I discovered that the issue was not corrected but worsened. XXXX XXXX tradeline listed on has the following issues. Equifax has the following issues. 

Incorrect data has been furnished. In addition that Equifax has not been authorized to provide this information to my CRA. According to 15 USC 1681, section 604 states the CRA must provide correct information.

I also have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency must furnish an account with written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XXXX some time I opened an account and an unauthorized charges was in there and my password was changed and couldn't get into my account

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following accounts are not mine and need to be deleted from my consumer report. 

The following accounts are against law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts are in violation of this law and needs to be deleted from consumer report. 

XXXX XXXX inquiry XXXX XXXX XXXX  XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX ACCOUNT # XXXX XXXX OPENED XX/XX/XXXX is not mine.please delete from consumer 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 non-monetary relief
Consumer complaint received 2023-04-08 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: Receivables Management Partners, LLC
State: CA

Complaint narrative:
RMP Services LLC. is a 3rd party collection agency for medical bills or shall I say physician bills that are unpaid due to either a lapse of insurance or no insurance. I am a XXXX XXXX and was shown to have been covered by my provider which they had already confirmed they had the information for. This predatory form of balance billing has been detrimental to my not only my credit score but it has damaged my credit profile and has altered my life in a very negative way. This defamation of character promotes the idea to lenders that I am a irresponsible borrower and not worthy for accounts or services that I've applied for. 

This clearly being some sort of error I spoke with both companies on recorded conversations. I provided both XXXX ans RMP Services with all the necessary information to conduct a thorough investigation to the facts. In my dispute neither of the companies conducted any type of investigation and they simply just updated my credit file as verified and accurate. 

I was even able to get both representatives of the company on the phone with each other in a conference call and they continue to be reluctant to remove it from my report. 
It feel like they are being very discriminative in their approach to remove it from my report and are attempting to punish me for speaking up and pointing out there error and violations of federal law by reporting inaccurate information on purpose out of spite. 

I've asked very kindly for them to correct this information immediately and they still after XXXX XXXX today admitted that they made a mistake and this was duplicate billing and that it was their mistake. I was still advised it could take another 2 months before it can be corrected. 

I spoke with XXXX in the company of also XXXX XXXX on XX/XX/2022 who were said to be supervisors as they confessed and confirmed the mistake on their behalf. I was advised that the conversation was monitored and recorded for the purposes of still collecting a debt that I did not owe. 

Please assist me with this account and prevent this company and XXXX from further damaging my credit and preventing me access to fair credit reporting information. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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:
XXXX XXXX XXXX. is a 3rd party collection agency for medical bills or shall I say physician bills that are unpaid due to either a lapse of insurance or no insurance. I am a Medi-cal beneficiary and was shown to have been covered by my provider which they had already confirmed they had the information for. This predatory form of balance billing has been detrimental to my not only my credit score but it has damaged my credit profile and has altered my life in a very negative way. This defamation of character promotes the idea to lenders that I am a irresponsible borrower and not worthy for accounts or services that I've applied for.

This clearly being some sort of error I spoke with both companies on recorded conversations. I provided both experian ans XXXX XXXX  with all the necessary information to conduct a thorough investigation to the facts. In my dispute neither of the companies conducted any type of investigation and they simply just updated my credit file as verified and accurate. 

I was even able to get both representatives of the company on the phone with each other in a conference call and they continue to be reluctant to remove it from my report. 
It feel like they are being very discriminative in their approach to remove it from my report and are attempting to punish me for speaking up and pointing out there error and violations of federal law by reporting inaccurate information on purpose out of spite. 

I've asked very kindly for them to correct this information immediately and they still after XXXX XXXX today admitted that they made a mistake and this was duplicate billing and that it was their mistake. I was still advised it could take another 2 months before it can be corrected. 

I spoke with XXXX in the company of also XXXX XXXX on XX/XX/2022 who were said to be supervisors as they confessed and confirmed the mistake on their behalf. I was advised that the conversation was monitored and recorded for the purposes of still collecting a debt that I did not owe. 

Please assist me with this account and prevent this company and Experian from further damaging my credit and preventing me access to fair credit reporting information. 

Thanks

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 2023-04-08 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: PA

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may fumish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates mas nights as a federal protected consumer NO CONSENI IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed 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 2023-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Caliber home loan has been processing mortgage payments that were sent on time from the DEO of Florida! Caliber Home loans know that these payments are in the building sitting in an understaffed department waiting to be processed. XXXX, XXXX, XXXX and XXXX caliber home loan received my mortgage payment within the allotted timeframes to be deemed on time. I called Caliber Home loans everyday of the week begging them to apply the payment to the account. Caliber Home loans rep explained that they have thousands to go thru but that payment will be applied. Now caliber home loans has ruined my credit and caliber home loans wants me to dispute the mark when all they had to do was protect the consumer from this terrible credit marking. My XXXX payment was in the building on time and now caliber home loans has the nerve to damage my stellar credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Its been more than 30 days since the credit bureaus tried to resolve my problem with the account XXXX  ; XXXX Not only that but upon checking more detailed this account. I see that date of last activity is different. If its the same account everything should be 100 % ACCURATE. Furthermore, Experian never marked the account as being under dispute I have circled the errors in my consumer report. XXXX also has this account as open when its been years that is closed. Please delete this account under the fair credit reporting act. This is a violation and its costing me time and money.

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 2023-04-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Its been more than 30 days since the credit bureaus tried to resolve my problem with the account XXXX  ; XXXX Not only that but upon checking more detailed this account. I see that date of last activity is different. If its the same account everything should be 100 % ACCURATE. Furthermore, XXXX never marked the account as being under dispute I have circled the errors in my consumer report. Equifax also has this account as open when its been years that is closed. Please delete this account under the fair credit reporting act. This is a violation and its costing me time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting at the list of account below has violated my federally protected consumer rights to privacy and confidentially Collection company name : XXXX XXXX XXXX Account number XXXX Account number XXXX Collection company name : XXXX XXXX  Account number XXXX XXXX Collection Company name : XXXX  XXXX XXXX XXXX 
Account number XXXX Collection company name : XXXX XXXX  Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX Collection company name : XXXX XXXX XXXX  Account number XXXX Account number XXXX 15 USC 1681 section 602.a States I have the right to privacy. Section 604a also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( A ) 5 section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes wish antedates the report by more than seven years 15 USC 1681s2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable calls to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
This is my 5th inquiry about my savings account at Ally Bank. I have 4 messages about my previous inquiries that state the issue has been resolved, but now I can't log in to my account to see my balance and see if they ever paid me my {$500.00} bonus and what they are compensating me for all of the time I have spent getting them to resolve this matter. What did they do? Steal my money and close my account?

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 2023-04-08 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: PA

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may fumish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates mas nights as a federal protected consumer NO CONSENI IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed 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 2023-04-08 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: Kriya Capital, LLC
State: IL

Complaint narrative:
Requested an itemized bill due to company telling me the balance was high due to me owning on a phone. Although I never purchased a phone with the company. I only got phone service from the company. I never purchased a phone. Attempts to request an itemized bill was never given after multiple calls and visits to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I alerted chime of suspicious activity since my identity was stolen last year they assured me no funds would be taken and that they blocked the transactions. Thousands were stolen out of my account and during the POLICE investigation chime just closed the account without reimbursement of the funds they were supposed to return. I've called several times and they keep telling me the account didn't qualify I'm confused and now have to file something for hardship. I don't understand how they were fully aware of the issue and did nothing to stop it, blatantly lied about my protection then said XXXX me and just closed it! The rep Said she actually experienced the same thing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TX

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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