vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I went into XXXX car dealership in XXXX  Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX and XXXX dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX  that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!

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 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I went into XXXX car dealership in XXXX Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX and XXXX dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!

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 2018-08-18 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: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
BMW finance is on my credit report for a car that was solely in my mothers name. Its affecting my score. I do not owe them any money. What happened is, I had a car financed through them but I wanted a bigger model. My mom and I went in to trade the car, but I was told I couldnt because of my score. So my mom bought the car, in her name only. They took the trade of the car in my name and financed the new Car ... although the car was in my moms name I drove the car and made the payments monthly. Well not quite a year later my mom filed bankruptcy and her car was included. But BMW wan na come after me and I never signed for the car. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian credit bureau has 3 " soft '' credit inquiries listed on my Experian credit report, which are outdated and need to be deleted. One is from XXXX XXXX and is dated XX/XX/2016 The other two are from XXXX XXXX and are dated XX/XX/2016. Under the provisions of the Fair Credit Reporting Act, passed by Congress, any credit inquiries over 2 years old must be deleted from a consumer 's credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit Bureau incorrectly lists my name on my Experian credit report as : XXXX XXXX. I do not spell my name that way and have never legally gone by that name. They need to delete this name from my credit report. The last name is correct, but the first name is spelled incorrectly. It should only be listed as XXXX, not 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 non-monetary relief
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit Bureau lists one of my previous addresses as : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. This is incorrect. I have never lived there before. It was an old work address, not my residential address. Experian needs to delete this address from 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 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit Bureau incorrectly list the wrong last 4 digits of my Social Security Number on my Experian 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 2018-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Heritage Finance Company, Inc.
State: NC

Complaint narrative:
Starting in 2007 my father knowingly recieved loans using his birthdate and my social security number. I was only XXXX. I later then applied for a loavn at my bank and was told that there was numerous loans with my dads birthdate and my social security number. I went to the company to resolve the issue. I showed them my identification proving I was a minor and my correct date of birth. they told me there was nothing they could do and It was up to me to get a copy of my dads ss #. I contacted my dad and he says the company is lying. I Want THIS FIXED

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had to take my car for inspection and it failed costing me over 300.00 to fix. I was unable to make the monthly payment to XXXX XXXX and reached out to them for help and I was told I could not defer the payment for XX/XX/XXXXand was informed I would receive late fees. The was explained to them several times. On Friday XX/XX/XXXX I received 21 phone calls from XXXX XXXX. I stopped taking their calls because I informed them that as soon as I was able to make the payment I would do so and that since the account was opened I have made all my monthly payments on time. I have gone as far as blocking their number and they would just call from another number. I dont know how many times I have to explain why the payment was not made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2018 PayPal advised me that Id have access to my available balance of {$500.00} 72 hours after I withdrew {$250.00} in two separate withdrawals to the same bank.

It was cancelled and reversed for no apparent reason but them gaining interest on holding the funds in reserve and not instantly transferring them like the advertise on there website. So I tried to withdraw my balance again a few days later for {$430.00} and the same exact experience that was happening to me, happened again, now I filed a dispute and then they decided to close my account and tell me I have to wait 180 days and theyll let me know when I can withdraw my property of money earned by me as a small business owner, Im fed up, I want them held accountable for false business practices and scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This all started about 3 years ago.I ordered phones from XXXX  and mailed them right back.I do not owe anything because the phones were returned right away and not opened as per our agreement. I have contacted XXXX numerous times and the companies that it has been transferred to I think it was two times. 
The amount owed shows {$1200.00}.

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 2018-08-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am currently in the process of trying to repair my credit and find I am unable to obtain my Equifax credit report. There have been major changes to my file, according to credit monitoring services I have, and Equifax is denying my right to see the changes. I have tried on 3 occasions to order my credit report online and get a message saying I need to order through the mail and produce several forms of ID. This is unacceptable. The changes are derogatory and urgent in nature and I do not have time to go through these ridiculous procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: DISCOVER BANK
State: MD

Complaint narrative:
Recently, I disputed a charge for XXXX XXXX during layover in XXXX, GA. I ordered food and signed for the food. However, I had to leave very quickly, as they changed when and where my flight would take off. I told them this and they said that they would refund my money. When they didn't refund my money as promised, I contacted Discover. Discover did not do their job under the FCBA and is still holding the charge on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this morning and found late payment on the dates below :XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements, which might of been applied to the wrong card as I have 2 of them. I specifically got this card to start building my credit systematically. My only thought is that my monthly statement did not get to me for the correct card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute a chapter XXXX bankruptcy ID # XXXX listed o my credit for over a year now. I keep getting notifications from XXXX Equifax and XXXX stating the information has been verified from XXXX XXXX and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to dispute a chapter XXXX bankruptcy ID # XXXX listed o my credit for over a year now. I keep getting notifications from XXXX, XXXX  and Transunion stating the information has been verified from XXXX XXXX and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.

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 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to dispute a chapter XXXX  bankruptcy ID # XXXX  listed o my credit for over a year now. I keep getting notifications from Experian, XXXX and XXXX stating the information has been verified from XXXX XXXX  and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX  about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.

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 2018-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I've disputed with Experian on XX/XX/18. I did a follow up with dispute letters and a call on XX/XX/18. I explained to the representative that the collection accounts were not mine, but I received no help. I sent this letter and made the call in regards to the inaccurate information reporting on my report. Today 's date is XX/XX/18. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. I have collections on my account that have been hurting my credit score and I want them removed immediately. The FCRA gives the company 30 days to respond, I have not gotten a response.

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 2018-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
choice recovery inc reported on XX/XX/XXXX. In amount of {$650.00} XXXX XXXX company reported on XX/XX/XXXX in amount of {$88.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC.
State: AR

Complaint narrative:
AFNI DEBT Collectors are saying this XXXX XXXX XXXX BILL FOR {$1700.00} is a new debt and it is not. Im sure that it was written off in my Chapter XXXX. And this debt is about 3 years old its back from 2015.

Company response to consumer: Closed with explanation