vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now

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 2022-03-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I traded in my XXXX XXXX for a XXXX on XX/XX/XXXX. The payoff was done late by the dealership causing a negative mark on my credit and over XXXX points being removed. XXXX corrected the problem partially. I should have my XXXXpoints added back plus points for the payoff. In addition the account should be shown in a positive not negative way like it is. Account was paid in full due to a trade in.

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 2022-03-17 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now

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 2022-03-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2022-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: HI

Complaint narrative:
In XX/XX/XXXX, I requested and was approved for a mortgage forbearance under the CARES ACT with my mortgage company, XXXX XXXX XXXX. It was my understanding that my account with XXXX XXXX XXXX  while in the forbearance would remain in good standing and not affect my credit score/report. The forbearance period I was approved for was XX/XX/XXXX through XX/XX/XXXX and requested and approved for the balance of the amount owed during the forbearance period be deferred to the back of my loan. I resumed my regular, consistent monthly mortgage payments in XX/XX/XXXX. 
In XX/XX/XXXX, I inquired about re-financing with a local mortgage broker and was told that my XXXX XXXX XXXX  account was appearing on my credit report as delinquent and showed an inconsistent payment history, mainly during the approved forbearance period and subsequently thereafter. It is apparent that XXXX XXXX XXXX  have been incorrectly applying my monthly payments and had failed to recognize the period of forbearance. Upon learning this I contacted XXXX XXXX XXXX  on XX/XX/XXXX and opened a credit dispute. I have been in contact with XXXX XXXX XXXX  on many occasions since then and have been continually told that my credit dispute is being " worked on ''. On XX/XX/XXXX I opened a credit dispute with XXXX. The results of XXXX 's 'investigation ' deemed a correct reporting, which is totally false. I am currently awaiting the results of open credit disputes with XXXX and XXXX. 

In summary, it is my understanding that under the CARES ACT any amounts owed during a mortgage forbearance period should NOT negatively affect my credit score/report. XXXX XXXX XXXX  has acknowledged this to be true yet I am still waiting for my credit report to be rectified and reflect an account in good standing, with regular on-time monthly payments. Because of this I was unable to pursue other beneficial financial opportunities and feel this is extremely unfair and careless on XXXX XXXX XXXX XXXX part. 

I am humbly requesting some assistance with my situation. I also believe there are many others experiencing this same problem ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
In XXXX I did a forbearance with Lakeview LoanCare LLC and I was harassed my phone calls, emails, certified mail and regular mail from this company stating I would lose my home if I did not make a payment. I have proof that I made mortgage payments the entire time that I was on forebearance even though by law I was not required to do so. Even at the end of my forebearance my mortgage payment was never behind nor missed. I have never been late on my mortgage payment. I was harassed by Lakeview Loancare to the point where I was afraid, stressed and depressed the entire time I was under the forebearance all due to the fact that this company emailed, called, sent letters stating that I would lose my home if I did not make mortgage payments. I would call the company ask them to stop harassing emails, calls and mailers when I did this I started receiving certified mail from the mortgage company threatening to take my home if I did not make payments to them. I would call have them to check my account to make sure that they were receiving and applying my many many payments correctly because there was no reason for be to harassed for payments while under forebearance and everyone I spoke with say where I was making payments and saw that I was under forebearance but no one could explain why I was being harassed for payments by the mortgage company. I would speak with supervisors have them to check my account and them to spend me payment history statements and nothing absolutely nothing and no reason reflected under the forebearance why I was being harassed by this company. The harassment finally stopped after I threaten to sue the company for harassing 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 2022-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio along with XXXX and XXXX are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX XXXX illegally. The first problem, SPS does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. SPS, Inc claims to work on behalf of XXXX XXXX XXXX XXXX XXXX  XXXX ( the alleged creditor ). XXXX and XXXX claims to work as a Power of Attorney for The XXXX XXXX XXXX XXXX XXXXXXXX on behalf of SPS. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The XXXX XXXX XXXX XXXX XXXXXXXX is not the secured creditor, nor have they invoked SPS or XXXX and XXXX to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. SPS has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. SPS and XXXX and XXXX are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. SPS, Inc refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. SPS, Inc in connection with XXXX and XXXX are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Original creditorEMERGENCY PHYSICIANS OF TIDEWATERAccount # XXXX OpenedXX/XX/XXXXXXXXCREDIT CONTROL CORPAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MS

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2022-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
I have been harassed by this Collection Agency via text, email, and now they are harassing relatives & neighbors that were NOT a part of my application process. This is an old account/debt from 7-8 years ago. I have not been able to speak with a XXXXive Representative of the Collection Agency, XXXX XXXX ( phone # XXXX ). With so many scammers and fraudulent activity on the rise, this is NOT a good practice that this agency is using that your information is being identified using IVR technology.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I am trying to pay my monthly bill for my lease and also set up XXXX. Mini Financial Services is not able to accept my bank. The website, and evidentially their internal systems, say that my bank routing number is invalid. Actually, the routing number is valid and works with every other financial institution. I want XXXX to take this seriously and address their issue.

Company response to consumer: Closed with explanation