vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I send a dispute XX/XX/XXXX to Transunion to do and investigate via letter to investigate an alleged late on the XXXX acct that says that I was late on XX/XX/XXXX. I was never late on this account. The letter asked for them to correct the information. They dis not respond and they are non compliant. By law they are suppose to respond in 30 days and it now XX/XX/XXXX with no response to my investigation. I send out a letter of Non compliance XX/XX/XXXX. I was never late on this account and I want it updated to reflect never late and remove the alleged late payment on XX/XX/XXXX and to reflect a positive never late on this 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 2020-12-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As a consumer I made Equifax aware of violations on my credit report involving XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. While the accounts and inquiries were deleted, the violations owed pursuant of 15 U.S. Code 1681n and 1681o were not mailed to me. Affidavits with instructions were sent with instructions on 3 occasions by certified mail. The amount owed for these violations is {$14000.00}. 

XX/XX/XXXX advised that XXXX XXXX XXXX XXXX was not currently reporting on the XX/XX/XXXX credit file, but in the same document shows that they were reporting as of XX/XX/2020. They also still have XXXX XXXXXX/XX/XXXX XXXX XXXX listed when they were to remove that account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Have sent notorized certified letters asking for compliance but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: OH

Complaint narrative:
This is the third time I have requested Notice for Proof of Claim for Accounts XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.

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 2020-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Early last year XXXX 2019 ) I was sent to an XXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX and my XXXX XXXX resulted in my being sold a XXXX XXXX I was told I could return the device and receive a refund if I had a problem. Synchrony Bank financed the purchase. I have had several accounts with this company in the past for Care Credit XXXX XXXX, XXXX XXXX XXXX, and a mattress company. I go to Synchrony 's website and all the accounts are posted and they send me a paper bill for each account every month. 
When I got the XXXX XXXX I expected to receive a paper bill and to see the account on line, which has been how I pay these bills. Until now I never had a problem. They never sent me a bill for the XXXX XXXX, they never listed the relevant account online. I waited for about XXXX months and finally, frustrated, I found a place on the website where I could pay " another company '' so I did that and was told it was wrong. I asked repeatedly for a paper bill, got no where and became really frustrated that the bank was so dysfunctional and unresponsive. I chose to return the XXXX XXXX and everything I had received with it. I told the bank I expected a refund. At this point they began to send me a paper bill but the account never appeared online. 
They continued to bill me. I continued to not pay them for something I no longer possessed. Finally, last year I reported them to the Attorney General of the State of California. Then I got a response. I called them on the phone and a clerk appeared to make sense of the mess and told me to expect to continue receiving bills for a little while, they wouldXX/XX/XXXXout the balance and to not worry about it, I did not have to pay anything. They refunded the money already paid by crediting another of my accounts. I thought I was done with the problem. The bills saying that nothing was owed continued to come for several months and finally bills began to appear that claimed I still owed the balance and demanding a monthly payment as well as late fees and all the rest of the XXXX typical of a credit card bill. I politely declined and ignored the bills. Now they are sending me demands by certified mail and the bills claim I owe money I do not in fact owe as I returned the object originally purchased for the refund I was promised.

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 2020-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: CA

Complaint narrative:
I received a text message on XX/XX/2020 at XXXX XX/XX/XXXXPST from ( XXXX ) XXXX saying that an application with XXXX was received. Then I received another text message from a masked number asking me to respond to the text to approve loan # XXXX for {$700.00}. I texted them back that I did not apply for any loan, so cancel the application. They responded with a PDF of a loan application that used my name, home address, phone number, and an email address that is similar to, but not my email address. It showed that an online application was made on XX/XX/2020 at XXXX XX/XX/XXXXCST from IP address XXXX, which is not my IP address. The lender on the loan agreement document is listed as WLCC Lending TLP dba WLCC TLP and in other places as WLCC Lending TLP d/b/a Rapid Title Loans, a wholly owned and operated economic arm, instrumentality, and entity of the Wakpamni Lake Community Corporation ( WLCC ), a wholly owned and operated economic arm, instrumentality, and entity of the XXXX XXXX XXXX, a federally recognized XXXX XXXX. 

I attempted to call their customer service department at XXXX XXXX XXXX XXXX, but was sent to a voicemail box. I tried calling another listed phone number, XXXX XXXX XXXX XXXX and spoke to a man who said he needed to know the last 4 digits of my social security number to verify my identity. I told him I was not comfortable doing that since my enquiry was about a fraudulent loan application, so he was unable to help me. I also tried calling Wakpamni Lake Community Consumer Complaint XXXX  Hotline at XXXX XXXX ) XXXX, but was unable to speak to a live person. 

After looking through the loan application I was sent I tried contacting all the phone numbers listed to get a live person on the phone, but was unsuccessful. 

I believe that someone fraudulently made an online loan application using my personal information. I have attempted to contact the listed lender, but have been unable to get them to cancel the loan. The different lending websites that have been listed in the loan documentation are XXXX www.rapidtitleloans.com, and www.arrowheadadvance.com. These all appear to be related entities to WLCC Lending TLP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I have written to Credit Acceptance Corporation since XX/XX/XXXX about late payments on my credit report that they stated that I would not have negative remarks for in XX/XX/XXXX. In XX/XX/XXXX, I opened up this loan for a family who needed to obtain a vehicle-XXXX XXXX XXXX. They fell upon hard times and the vehicle was picked up XXXX XXXX. I paid the recovery to get the vehicle back on track and was put in a repayment plan to catch up the past due balance. I asked specifically when I spoke with the representative on XX/XX/XXXX and they told me that as long as I kept the arrangement then I would not be reported late. I personally repossessed the vehicle from the family member to ensure the payments would be made on time. I have 5 late payments on this account because the arrangement was for 18 months and I paid it off the arrangement early while caring for my then XXXX spouse and was told that I would not have a late payment by setting up the arrangement. Every payment has been made on time for the last year and a half since my husband passed away. I keep up the maintenance on the vehicle by going to my local XXXX dealership in XXXX, XXXX XXXX XX/XX/XXXX, this vehicle left me and my XXXX kids unexpectedly on the side of the road because it was running hot and shutting off with no prior warning. I had the vehicle taken to the dealership and they stated a multitude of issues that were expensive to repair. I called Credit Acceptance on XX/XX/XXXX and spoke with XXXX and explained what occurred and asked for an arrangement in order to pay the balance and still get the vehicle repaired. I SPECIFICALLY ASKED AGAIN IF I WOULD HAVE LATE PAYMENT ON MY CREDIT REPORT WITH ME SETTING UP AN ARRANGEMENT AND SHE SAID I SHOULD NOT. The agreement was XXXX that day which I paid and XXXX a month starting XX/XX/XXXX. On Friday XX/XX/XXXX, I get a notification from the credit bureaus stating that this same organization had updated my credit report 30 days late and dropping my FICO score 37 points with XX/XX/XXXX. This company does not respond to any correspondence. They have falsified information to me on several occassions about credit reporting that are inaccurate. I want all of these late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I am reaching out to you because I have tried multiple times before to solve this issue with XX/XX/XXXXXXXX XXXX. Before the pandemic started I had a membership with them, then they closed because of COVID but they kept charging me so I called them to let them know the issue and to cancel my membership. They refused to cancel it over the phone and I was told I had to come in person to do it. Keep in mind, they are closed because of COVID, everyone was supposed to be in quarantine and they really asked me to come in person. Anyway, I did actually visit them 3 times and every time, nobody was available to cancel it. So I decided to call AGAIN and try to cancel it AGAIN while they were still charging my card. Oh, and lets not forget the time when they charged me {$420.00} by mistake and couldnt refund it back to my card so I had to dispute the transaction with my bank. Anyway, this time I told them that they needed to cancel my membership and I did everything in my power to do so but they were not helping at all and were being very difficult. It seemed to me like they did not want to do it so they could keep charging me. So apparently I finally got a hold of someone who said they had already cancelled it and that I shouldnt be charged anymore. BUT, the next month they charged me double the amount of my membership. So I called and their response was that it was an annual fee for equipment maintenance. At this point Im very frustrated already. I thought my membership had been cancelled I said, so I found out that it had not been cancelled and I was still getting charged. So, i asked again to please cancel it and refund me my money, they said they couldnt do it. So I went to my bank and disputed the charge AGAIN and called them back and CLEARLY told them they need to cancel the membership this time for real. And apparently it seems like to this day they have not done so because I received a letter from First Credit Services saying I owe {$300.00} past-due obligation. Really?? I need to speak to someone about this please because this is fraud. I dont know what else to do at this point. I have tried everything I could and this has gone way too far. I have proof of an email I sent to the manager back in XX/XX/XXXX asking them to stop charging my card and to cancel the membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I send a dispute XX/XX/XXXX to Experian to do and investigate via letter to investigate an alleged late on the XXXX acct that says that I was late on XX/XX/XXXX. I was never late on this account. The letter asked for them to correct the information. They dis not respond and they are non compliant. By law they are suppose to respond in 30 days and it now XX/XX/XXXX with no response to my investigation. I send out a letter of Non compliance XX/XX/XXXX. I was never late on this account and I want it updated to reflect never late and remove the alleged late payment on XX/XX/XXXX and to reflect a positive never late on this 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 2020-12-13 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: CA

Complaint narrative:
On XX/XX/2020 I submitted a complaint to XX/XX/XXXXXXXX and XXXX XX/XX/XXXXthat had incorrect inquiries on my credit report. The two banks have stated that they had sent a request to the credit bureaus to remove the inquiries within 60 days. The inquiries are still listed in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested an updated report, So Equifax requested identification, I sent all the documents that were requested but after 90days I havent gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I booked a car from XXXX XXXX XXXX  through a third party ( XXXX  ), and on the voucher ( terms & conditions ) of the rental it stated on page 1 that the XXXX for tolls was recommended but not mandatory to purchase through the rental company. Most rental companies don't force you to purchase the XXXX however its recommended if you choose to drive on the express way. I always reject that option with rental companies. When I arrived on the day to get my car rental from XXXX XXXX  they informed that the sunpass was mandatory since I was a young driver who would most likely drive on the express way. I told the receptionist ( XXXX ) that I would not be driving on the express way and that the voucher stated on page 1 that the sunpass was optional. She argued that it was now mandatory and that XXXX  ( travel agency ) has not updated their terms and conditions. I told the receptionist that is not my problem and not what I agreed to. I called XXXX to complain. Which was recorded by their system. I also sent them emails. XXXX told me while I was at the rental place to go ahead with the rental and they would reimburse me the difference for the sunpass charge. I have emails showing that communication with them. I also have the agreement from XXXX. XXXX failed to refund me the difference due to the fact that XXXX  lied and stated they gave me the option. Even though I have call logs and emails showing otherwise. I sent all the proof to the bank. The bank rejected my claim and stated that the charge came directly from the rental company and not XXXX. I explained to them that the company gave me the voucher to go to the rental company. The bank would not give me my money back for the XXXX  charge of {$130.00}. XXXX  and XXXX seem to be running a " bait & switch '' scheme on customers. I looked up the company on XXXX and read other reviews by customers with similar experience. These people are scammers. They need to be shut down. But the worst part of it all is that CHASE WILL NOT GIVE ME BACK THE MONEY. I tried to explain to them that XXXX gives customers the reservation ( voucher ) to your email and you go to the rental company with it. They failed to refund the difference of the XXXXscharge. My bank also failed me to give me the money back. This rental company is running a XXXX scam. I have been with chase for years and have a credit card with them as well which was open by the office of the president. After I pay it off I'm switching everything to XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-13 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: OH

Complaint narrative:
This is the third time I have requested Notice for Proof of Claim for Accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: OH

Complaint narrative:
This is the third time I have requested Notice for Proof of Claim for Accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.

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 2020-12-13 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:
On XX/XX/2020 I submitted a complaint to XXXX XXXX XXXX and XXXX XXXX that had incorrect inquiries on my credit report. The two banks have stated that they had sent a request to the credit bureaus to remove the inquiries within 60 days. The inquiries are still listed in my credit 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 2020-12-13 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: OH

Complaint narrative:
Looking over my credit report I noticed there was a late payment showing and due to the pandemic/hardship I was not able to make those payments on time. The following account that shows late payment for XX/XX/2020 XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX. Due to the Pandemic shutdown I was effected financially.

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 2020-12-13 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: TX

Complaint narrative:
Equifax was made aware that they were violating 15USC A 1681 2A ( i ) & 15 USC 1681b ( 2 ) with previous affidavits. After further investigation, I as the consumer discovered there are 90 Inquiries still appearing on my report from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation