vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 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:
This account was paid in full to XXXX XXXX XXXX XXXX  upon full payment the account will not be reported to the credit bureau after being paid in full it was still reported and I asked Experian to remove it and they have not done so. This gos against my rights. Experian will not let me dispute it.

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 2021-05-22 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: PA

Complaint narrative:
I, consumer XXXX XXXX instructed TRANSUNION to remove several accounts dating back to XX/XX/2020. TRANSUNION furnished my information without my permission and without my written consent. This is fraud and its against my consumer rights 15 USC 1681b ( a ) ( 2 ) Permissible Purposes only and no other. TRANSUNION shared my alleged credit history and factual information and its supposed to be excluded by my written instructions. My rights have been continued to be violated over and over and its causing me XXXX problems and financial hardship.

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 2021-05-22 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This account was paid in full to NATIONAL CREDIT ADJUSTERS , L.L.C upon full payment the account will not be reported to the credit bureau after being paid in full it was still reported and I asked XXXXXXXX to remove it and they have not done so. This gos against my rights. XXXX will not let me dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC at XXXX XXXX  XXXX XXXX, SC XXXX has been sending me collection notice in the amount of XXXX. The collection has been reporting this past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I had XXXX  and when covid first hit we were no longer working so I disconnected my service to get the free service for low income since I was on public assistance because it was the height of the pandemic where thousands were dying a day there was no way to return equipment every the was closed and the rep that closed my account said there is nothing that can be done and that my account balance would be XXXX. Since then I've had 4 different collection agencies including the most recent that put the XXXX back on my credit reports each time it has been put on I dispute it the XXXX agencies remove it and then it passes to a new collection agencies it feels like a scam and the current one XXXX XXXX XXXX never contacted me no notice or phone calls nothing at all and less than six weeks ago it was a different collection agency I spoke with them exploit the situation and she claimed to dispute it on her end I never heard anything else from XX/XX/21 when we spoke and when I checked my credit since I was planning on moving I see that it bas now changed hands again and its this agency now I can't even move my credit is ruined and they have been doing this to me through I the entire pandemic even when I contracted XXXX  and felt like I was XXXX I had to stop and dispute this while shivering with XXXX XXXX I would really like this to stop please make these people stop doing this too me my life was destroyed by contracting XXXX losing my job and now my credit is completely ruined because I never owe anyone no matter what I was going through financially I even took loans out that I'm still paying back now to survive and make sure I pay all my bills on time

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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
They are reported negatively twice to Each credit reporting agency for the past 3 years causing a double Jeopardy and double the damage to My name as if is 2 seperate incidents causing my score to suffer double the points as it should. Yet both companys refuse to remove any negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
credit acceptance corporation paid off why is it still showing take it off XX/XX/XXXX - XX/XX/XXXX XXXX is closed take off XX/XX/XXXX closed XX/XX/XXXX To Many Inquires showing They need to be taking Off As Well any Bad Charge-off showing

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 2021-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
My wife and I filed for forbearance last year. We brought our loan current in/around XX/XX/XXXX. Our loan was modified and is supposed to reflect as current on our credit reports. There was a problem with Village Capital not reporting our loan as current, but rather, it showed 90 days past due. Ive spoken to the company several times and the issue was resolved a few months ago. Now, it seems like every month, the loan is still getting reported as late. My Equifax report shows 90 days late. The other two credit agencies show current. This is greatly affecting my ability to make a purchase. I reached out to Village Capital on XX/XX/XXXX and I have not received a response. I want my credit to reflect accurately and I want to know what ramifications Village Capital will face for constantly reporting my credit inaccurately? My wife is a co-borrower on the loan and her credit report is inaccurate as well. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: PA

Complaint narrative:
On XXXX XX/XX/2021 I received a phone call from a debt collection firm called " Reliant '' asking me to pay {$2200.00}, but offering few details. On XXXX XX/XX/XXXX I sent a debt verification letter to Reliant asking for 1. The name and address of the debtor, along with the account number and the amount of the alleged debt. 

2. Verification that there is a valid reason for demanding payment 3. Details about the age and amount of the debt, including the last billing statement from the original creditor ; an explanation of interest and payments made ; the legal authorization for any interest ; the date the original creditor claims the alleged debt became delinquent ; and evidence that I was a party to an agreement to pay any amount. 

4. Whether or not this alleged debt is within the statute of limitations, and how that determination was made. 

5. Information about Reliant 's authority to collect the debt, whether or not Reliant is licensed to collect debt in my state, including the date of the license, the license number, the name on the license, and the name, address, and phone number of the state agency issuing the license, and the same information from Reliant 's state if Reliant is contacting me from another state. 

As of today, XXXX XX/XX/2021, Reliant had not responded. Today I was notified via the XXXX XXXX website that this debt has appeared on my XXXX  credit record. 

Please help me resolve this matter. If there are additional steps I need to take, your advice will be appreciated. Thank you. 

Respectfully, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I have disputed my credit acceptance account multiple times, experian has not completed my request at all. This vehicle is not my vehicle and is not on XXXX & XXXX just experian. I need this account removed. It's an truck and need it removed.

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 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
My Binance.US account has been locked since XX/XX/2021 I have settled all amounts owed to Binance.US and they still have not unlocked my account it has been suspended due to risk management I would like my account to be unlocked so I may withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2021 I received an email and a bill stating I had ordered an XXXX XXXX XXXX and it was being shipped to Florida. I live in CT. I called the phone number on what appeared to be XXXX XXXX, on the statement and was connected to Mr. XXXX XXXX stating my account had been hacked. There were several issues : 1 ) the IP address hacked & now toxic 2 ) email compromised 3 ) tiny banker and spyeye malware noted 4 ) security level only 7 % ; if had fallen to 5 % or lower they could not help. I granted remote access to view what seemed like a legit employee ID. Also, they had me check my accounts to see if the bank had issued a fraud charge, so they had access to my personal banking information. 
I was directed to purchase two ( 2 ) XXXX gift cards, each for {$500.00} from XXXX and two ( 2 ) different XXXX XXXX XXXX stores. This was for a total of {$3000.00}. Then I was told to read the numbers and access codes so that could 'update the security ' on my account. I was sent what appeared to be legit 'refund ' to each of my checking accounts from XXXX for each {$1000.00} card purchase. This took place over a 2-1/2 hour time period. At times there were conversations with the 'floor manager ', Mr.XXXX  XXXX as well. Finally about XXXX XXXX, the manager said the security was @ 95 % and XXXX would take care of the rest from there and I was not to worry. They would call me in the morning to finalize and update the security level. I have had multiple phone calls from them today ; same number I called yesterday to cancel the original order. That # is : XXXX XXXX XXXX XXXX. I have not answered any of these calls. 
When I went to check for those texts this morning ( XX/XX/2021 ) they were not to be found. Also, checking my accounts there was no deposits to either one, just the debits made to purchase the gift cared. 
This obviously an on line SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC
State: NJ

Complaint narrative:
In XX/XX/2020, XXXX XXXX secured a finance loan on our behalf for windows and doors for {$13000.00}. The windows and doors were installed in XX/XX/2020. The finance company called to verify the installation went well and if they can began billing us. We told them no. That there were numerous issues and that all the windows and door needed to be taken out and replaced ( XXXX XXXX XXXX XXXX ). Service Finance company agreed and said they will continue to follow up. They did not bill us. They call every couple of weeks to ask. We told them the situation. We also asked them if they could follow up with XXXX XXXX. Time goes on and our windows and door are still not done. In XXXX, we received a letter from the finance company telling us that our 1st payment was due in XXXX. We called them and asked them how they can bill for a service that has not been completed? The representative told us that this has been going on over a 6 months and they paid XXXX XXXX so we need to pay them. She also said that since XXXX XXXX had installed the windows than it was our responsibility to pay even if it is not complete. I asked her why then have they not charged for the last six months when they repeatedly called and we told them the work was not done? She said all she can do is open the complaint but we need to pay the bill as they will mark it against our credit. So now we are stuck paying a monthly bill of {$170.00} for a service that has not been complete. We have not receive any communication regarding the complaint from the Finance Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: NJ

Complaint narrative:
I was a victim of identity theft before and now the situation has occurred again. I have not opened any credit card accounts since the last time I had this issue.

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 2021-05-22 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: NJ

Complaint narrative:
I was a victim of identity theft before and now the situation has occurred again. I have not opened any credit card accounts since the last time I had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: PA

Complaint narrative:
I had the chance to go over my payment history letter sent from The Department of EducationXXXX on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from XXXX. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an XXXX  screenshot of the late payments from The Department of EducationXXXX 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by XXXX, XXXX XXXX, and TransUnion that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATIONXXXX EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATIONXXXX  within this complaint so you can see for yourself that I NEVER had a late payment.

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 2021-05-22 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: PA

Complaint narrative:
I had the chance to go over my payment history letter sent from The Department of EducationXXXX on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from XXXX. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an XXXX screenshot of the late payments from The Department of EducationXXXX 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by XXXX, XXXX Equifax, and XXXX that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATIONXXXX EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATIONXXXX  within this complaint so you can see for yourself that I NEVER had a late payment.

Company response to consumer: Closed with explanation