vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-08 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: OH

Complaint narrative:
I have sent numerous letters to this specific credit bureau, and have not gotten the results I've asked for. I have a significant amount of delinquent accounts on my credit file that does not belong to me due to identity theft in 2012, I have asked them to investigate and remove these items from my credit file but they are not holding back. I have also asked for PROOF OF DOCUMENTATION THAT BEARS MY PHYSICAL SIGNATURE once the investigation is complete and they have not sent me that proof either. 

I'm in desperate need of help from the CFPB, due to the fact that this has been hendering my life and I cant get approved for a home loan that I've applied for do to these negative items on my credit file, and the credit bureau won't do anything about it. 

The accounts below that are listed, I'm asking that you do a final reinvestigation and if you say the accounts belong to me, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX  XXXX - XXXX - XXX XXXX  - XXXX XXXX XXXX - XXXXXXX PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

THIS IS MY LAST RESORT, IF I DON'T HAVE THESE ITEMS DELETED, YOU CAN CONTACT MY LAWYER TO WORK OUT A SOLUTION TO AVIOD LITIGATION. MY LAWYER CONTACT INFORMATION IS LISTED BELOW. 

XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX

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 2019-12-08 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
i do not know how someone gained my information, i saw the following accounts on my credit last month when I checked it: 

Accounts:
Credit Acceptance Corp

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Inquiries:

XXXX XXXX XXXX XXXX
XX/XX/XXXX

CREDIT ACCEPTANCE
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX


XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

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 2019-12-08 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: AFNI INC.
State: IL

Complaint narrative:
i do not know how this individual obtained my personal information
Accounts:
XXXX XXXX XXXX
Account number XXXX

XXXX XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX 
Account number XXXX

AFNI Inc
Account number XXXX

XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX
ACCOUNT NUMBER XXXX

XXXX XXXX
Account number XXXX


Inquiries:

XXXX XXXX/XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX/XXXX XXXX XXXX
XX/XX/XXXXXXXX XXXX
XX/XX/XXXX


XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX

XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX

XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: NY

Complaint narrative:
My credit score dropped from XXXX to XXXX for no apparent rason with Equifax and XXXX on XXXX. I have just recently uncoveed the culprit behind these egrigous errors. That culprit is XXXX. Apparently XXXX has erroneously put my account into collections without my knowledge back in XXXX when I had disputed a final bill they sent me. XXXX sent me a false bill of {$590.00} in XX/XX/2019. I disputed this bill beause it was wrong. I filed a complaint with the New York State Attorneys office in XXXX showing XXXX   corrupt actions. In XX/XX/2019 I received an email from XXXX where they made the final adjustments to the bill leaving a balance of {$220.00}. I paid this bill on XX/XX/2019. The bill should never have been sent to collections. This illegal action was retaliation from XXXX because I filed a complaint with the New York State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
i do not know how this individual obtained my personal information Accounts : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Convergent outsourcing Account number XXXX XXXX XXXX XXXX XXXX   Account number XXXX XXXX XXXX, XXXX  ACCOUNT NUMBER XXXX XXXX  XXXX  Account number XXXX Inquiries : XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

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 2019-12-08 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: SC

Complaint narrative:
Since XX/XX/XXXX-XX/XX/XXXX I've sent 4 separate letters to each credit bureau XX/XX/XXXX, Transunion, and XX/XX/XXXX asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.

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 2019-12-08 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: SC

Complaint narrative:
Since XXXX XXXX-XXXX XXXX I've sent 4 separate letters to each credit bureau Experian, XXXX, and XXXX  asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.

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 2019-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was charged for a service I did not receive in the amount of {$560.00}. I requested service from a mechanic company and they failed to provide it on 2 occasions. Even having failed to provide me the service they still charged me. I attempted to resolve it with the merchant and they refused. I disputed the charge with my credit card company and they required me to send a number of documents by specific deadlines with specific guidelines. The last deadline was for XX/XX/XXXX. Even though I met all of these guidelines the credit card company still charged me for what I didn't receive and did not chargeback the merchant like I was promised. I spoke with many different agents on the phone and they said that even though I provided all that they required that it was not sufficient enough. I have written documentation of what they required of me and I provided it however they voided their own policy by not sending the chargeback to the company. According to the Fair Credit Billing Act this would be categorized as a " Billing error '' or " charges for goods and services you didn't accept or that weren't delivered as agreed '' For me, the service was not delivered as agreed and I provided ample evidence to prove this and met every guideline in every letter that was sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, On Thursday, XX/XX/XXXX, Experian responded, but it is not satisfactory. Experian must MANUALLY investigate my credit - worthiness for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to accurately record my FICO score. I monitor my credit regularly. My FICO score has not moved and remains dormant since XX/XX/XXXX/XX/XX/XXXXbecause of their product failure. I joined the Experian product brand XXXX   to digitally access my utility bill payments to XXXX XXXXy credit score. Experian 's product has failed. Over the past several months, I contacted Experian several times, but I am unable to reach a representative to no avail.

Experian is falsely advertising a product that does not work and failed. I want my credit score updated for the past several months mentioned and to terminate from XXXX  without losing my FICO score accumulated to date. Exactly a year ago, I logged a complaint against Experian because they removed over 20 FICO points from my credit report and I still do not understand why. 

Thank you.

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 2019-12-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon checking my credit, I noticed 2 accounts reporting from XXXX XXXX XXXX. Subsequent to noticing these accounts, I sent over validation of debt request to this agency for accounts : Account- XXXX {$700.00} Account XXXX {$670.00} I was not sent validation of debt from this company. As a consumer I then disputed this account with Equifax on dispute confirmation # XXXX, on XX/XX/2019 I received back the results of this dispute and the collection agency stated on these 2 accounts that the " The information you disputed has been verified as accurate. '' As a consumer I find this peculiar because the collections agency was unable to validate the debt. I then sent the credit reporting agency request outlining my rights as a consumer under 15U.S.C 1681, FCRA 611 ( a ) ( 7 ) in this letter I requested that the credit reporting agency send me a complete description of how this account was validated. I requested to names and contact information for whom the reporting agency spoke with, as well as a copy of all documents provided to them from the collection agency to which they are still reporting. I received nothing but a generic letter that basically stated the very same thing that the erroneous dispute did, just that the account was verified. As a consumer I am following up on my next course of action which is to file a complaint with you in regards to this issue in hopes this will get resolved and I do not have to move to the next step of filing a lawsuit which I completely intend to do as these accounts are having a negative effect on me as a consumer and these accounts are in error and the credit reporting agency is not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: AZ

Complaint narrative:
I submitted documents to all three credit bureaus reporting the XXXX XXXX account is paid in full. Transunion just sent me my disputed credit report saying I still owe {$140.00} on this credit card. The correct balance is {$0.00}. I mailed my documents to all three credit bureaus via certified mail at my cost, and they still do not get it correct.

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 2019-12-08 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: TN

Complaint narrative:
On XX/XX/2019, I mailed the attached documents to TransUnion, LLC. and asked that they provide an original, signed contract from The Key car company. 
If they couldn't provide me the information, I demanded they remove the item under FCRA 609 ( a ) ( 1 ) ( A ). They returned my investigation results as the account being verified without providing me the original, signed contract.

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 2019-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
My issue is with Paypal being complicit in allowing scammers to take money from a buyer and offering no real forms of protection. 

I tried to purchase concert tickets to a sold out show through a normal human being, not a vendor, not a business. Just a guy I met. The person suggested I use paypal to complete the transaction and that he would electronically send me the tickets ( XX/XX/19 @ XXXX ). 

I sent him {$200.00}, tickets never come. The default paypal option for all transactions is friends/family. Which seems like a logical option considering you are not sending $ to an actual business. What paypal actually means when you use this option is that the buyer not relinquishes any protection paypal once considered offering them. 

I then call paypal to see what I can do to stop the scam from taking place, and they begin to interrogate me and accuse me of trying to beat the system by not using their other payment option ( I paid paypal a service fee regardless, and they get their cut as always, so this should really be a moot point ). I then ask the agent after they basically tell me they wont do anything for me, to at least block this person 's account so they can not continue to scam people and they could honestly of cared less. Its starting to look as if paypal is aiding these scams in growing in scale and efficiency and consumers like myself that don't have complete knowledge of exactly how these systems work get conned. 

How can your governmental agency sit back and allow this type of complacency in law when one of the biggest world banks now ( paypal ) is actively allowing this type of fraud daily, and then blaming their consumers for being ignorant or trying to cheat the system? As if the extra {$3.00} I would have paid to " ACTUALLY '' be protected was somehow my determining factor in getting XXXX over. 

It's XXXX, you need to do something about it as an entity that can, and I am stating my case here so that when the 100,000 's of people that are getting XXXX  over everyday sue paypal for negligence I will be utilizing this as part of my class action lawsuit and deposition against their utter lack of effort when people are being robbed daily due to their software loopholes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-08 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: NJ

Complaint narrative:
I have recently checked my TransUnion credit report and there are credit inquiries that do not belong to me. I have contact both the creditor and TransUnion over 30 days ago and I havent gotten any response. I have sent letters listing the inquiries and dates of inquiry. Could someone please help me? 


Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

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 2019-12-08 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: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
After several disputes with BBVA Compass and bureaus, finally it was clear there was a late paytment that became a charge off. I paid this late paytment as soon I found out and tried to clarify if there was mine. BBVA provided the requested information, and there was a late paytment that I found out too late, but it was paid in full.

For some reason, XXXX and XXXX are showing a 'remark' or 'comment' where you can read settle less that full balance or paid for less than full balance.

In previous disputes with XXXX and XXXX it is clear it was paid in full, and BBVA Compass confirmed time ago by phone, they sent this comment by error, and they sent againg the information assuring it was paid in full after charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a payment to CITI of {$30.00} on XX/XX/2019 and another of {$50.00} on XX/XX/2019 and was never given credit for them. I provided my bank statement and also the tracer numbers from my XXXX account 3 times and they still say they did not receive it. They then told me they sent the {$80.00} back to my bank, but there is no record of that happening. I have closed the account and still get late fees and the {$80.00} added to my statement.

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 2019-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I am writing on behalf of my father who does not speak English. He was tricked into filling his information on this site that made it look like a loan application that he expected to follow the natural approval process followed by disclosure of rates etc. There was no declaration on interest rate or anything, not even a declaration that money will automatically be deposited. After he hit apply, he did not get any email of agreement or approval. He later found out more than a month after that this site withdrew {$380.00} from his account twice within a month. He was not aware that they deposited {$600.00} without any notification and started withdrawing money as payments. The APR rate they are charging him is 863.95 % which was never ever disclosed anywhere in the application process. This site is clearly a scam that is deceiving people and they are now sending collection notices as we stopped bank payments and asked the company to clear this loan but they are not co-operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Moved out of an apartment XX/XX/2019. Charged a cleaning fee of {$170.00} by the complex. Provided written proof that the apartment was professionally cleaned. Never received a written notice from the collection agency. Received a copy of what is claimed to be owed from the agency after filing a complaint with the credit bureaus XX/XX/2019. The claim was placed on my credit report XX/XX/2019 without any written notice. Wrote a certified letter with the proof that the money owed is invalid XX/XX/2019. Have received no response after 30 days and no action has been done to correct the situation. 

Company : Genesis XXXX XXXX XXXX XXXX, WA XXXX XXXX

Company response to consumer: Closed with explanation