vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMA Credit Association
State: LA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have previously reported these accounts as inaccurate and they were remove. Now they are reporting as closed negative accounts on my credit please help me resolve this issue for a final time. The following accounts need to be BLOCKED AND DELETED from my credit file please. 

XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00}

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have previously reported these accounts as inaccurate and they were remove. Now they are reporting as closed negative accounts on my credit please help me resolve this issue for a final time. The following accounts need to be BLOCKED AND DELETED from my credit file please. 

XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and E-Oscar and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. XXXX, Equifax, and XXXX  continues to validate propagated errors throughout E-Oscar. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Management Control, Inc.
State: TN

Complaint narrative:
I have reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. 

Credit Management Cntrl XXXX {$480.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Great American Finance Co
State: GA

Complaint narrative:
The collector who is the original creditors, has continued to report inaccurate information pertaining to this charge of account. The date of the my last payment for this account XX/XX/2014 and the remaining principal balance is {$440.00}, This should be the balance showing on the last statement from the lender. The same amount should also be shown on my credit report as the balance due for the delinquent account. creditor continued to add interest without providing a monthly statement or the original contract so that I may verify what that rate should be. the debt collector is claiming about 60 % more than the principal balance at the time of last payment. I am not able to verify what that rate is because the collector has not provided any statements, the state of Georgia max interest on a charge off account is 6 %. If the collector intends to add interest please provide statements reflecting such charges, and refrain from unfair debt collection practices. I have multiple copies of credit reports where the collector continues to charge the dates, amounts, status of charge off,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have 6 paid collection accounts on my report with XXXX  ( formally XXXX XXXX ),  two with XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. I have sent each collector a letter asking for proof that it was paid. I have also disputed the accounts with XXXX, Equifax and XXXX  to try and get the paid collections removed from my report. I am currently out of a place to live and I'm trying to get a house. I paid the collections in hopes that would get them removed from my report, but they are still reporting negatively and I am out of options, but to file with you. Below I have included letters I have sent to XXXX, XXXX, Equifax, as well as the creditors of all of the collection accounts. I have also included pictures of how my accounts are reporting to the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have 6 paid collection accounts on my report with XXXX ( formally XXXX XXXX ),  two with XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. I have sent each collector a letter asking for proof that it was paid. I have also disputed the accounts with XXXX, XXXX  and Experian to try and get the paid collections removed from my report. I am currently out of a place to live and I'm trying to get a house. I paid the collections in hopes that would get them removed from my report, but they are still reporting negatively and I am out of options, but to file with you. Below I have included letters I have sent to XXXX, Experian, XXXX, as well as the creditors of all of the collection accounts. I have also included pictures of how my accounts are reporting to the bureaus.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit score went from XXXX ( good ) down to XXXX ( bad ) in one month. 
Absolutely nothing changed in that month to have caused this drop. 
I spoke with Transunion and they would not help or explain it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BYL Collection Services
State: NV

Complaint narrative:
Per FTC sec.609 credit agencies are not validating my credit they are simply verifying my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: NV

Complaint narrative:
Per FTC sec.609 credit agencies are not validating my credit they are simply verifying my information.

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 2020-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I have made multiple calls to Credit Acceptance at XXXX to obtain the release of a lien on my deceased mother 's car. She died in XXXX and I have provided them with her SSN, the letters Testamentary and my appointment as executor from the Court in XXXX. The car was paid off many years ago. My mother 's name was XXXX XXXX. XXXX, and the account number was provided by Credit Acceptance as XXXX. 
The company called me in XX/XX/XXXX while I was out of the country, and and said they were mailing the lien release. It did not arrive, even though they had my address. When I contacted them after the first of the year, they claimed to have mailed it to my deceased mother 's address ( the  family sold the property and we do not receive mail there. ) Then On or about XX/XX/XXXX, Credit Acceptance promised to mail the item to my address in XXXX, VA. When it did not arrive by XX/XX/XXXX I contacted them again. They admitted sending it to an incomplete address in XXXX. I called them the next day and provided a fax number. They company alleged they sent the fax on XX/XX/XXXX at the end of the business day. They did not provide a confirmation number, and the fax was not received. This is causing a real hardship, because without the lien release, I can not sell my deceased mother 's car. 
I think this company is engaged in deceptive practices and they have been provided sufficient information to comply with my request on multiple occasions. My auctioneer who sold my mother 's personal property also had 0 success dealing with Credit Acceptance. At the time of her death my mother was XXXX and suffered from XXXX. There is no way that any person with any kind of impairment ( or even without impairment ) can get this company to provide requested information even when all the necessary information is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As of Complaint # XXXX, have it been corrected at XXXX  and closed both at XXXX and XXXX  now both Equifax and XXXX  decided to to lower my score 60+ points, because of the same complaint. 
My mistake was only adding one of the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing ( SLS ) acquired my mortgage about a year ago. They sent me a letter on XX/XX/XXXX stating that my interest was going from 2 % to 3 % starting XX/XX/XXXX because of a loan modification. I was with XXXX XXXX XXXX  XXXX  for 5 years and there was no modification done. On XX/XX/XXXX I spoke with XXXX at SLS and requested documentation for this modification, he could not find anything nor could he find a note and said he would get back with me, never did. On XX/XX/XXXX Spoke to XXXX at SLS and he transferred me to CA dept got disconnected. Called back and spoke to XXXX he created ticket # XXXX and said they have until XX/XX/XXXX to get the documents to me. On XX/XX/XXXX spoke to XXXX at SLS and he said they found note and will mail but no documents to support the modification. On XX/XX/XXXX spoke to XXXX and I requested to speak to a supervisor, she said a supervisor will get back to me within 24-48 hours, no call back. On XX/XX/XXXX spoke to XXXX transferred me to a loan specialist, was on hold for approx. 10 mins and then a recording came on saying they were all in a meeting. Called back later and spoke to XXXX again and he transferred me to a loan specialist and I received another message letting me know they were still in a meeting. On XX/XX/XXXX I spoke to XXXX and he said we are still reaching out to XXXX XXXX, my old mortgage company. He also said I have a revolving loan which I do not. He was very rude and told me just deal with it. At this point I reached out to XXXX at XXXX XXXX XXXX, she was my case worker for XXXX XXXX XXXX XXXX. She is trying to reach out to them as well. I finally received the Note in the mail and it still has the original mortgage company on it from XXXX when I bought the house. I realize that everyone that acquires your loan should have the Note modified with there name on it and I have had several mortgage companies since XXXX and no one has done that. I would appreciate some help with getting the loan modification documents as well as resolving this note issue. I may be almost XXXX XXXX XXXX but I will not be taken by any company. I have attached SLS documents and apologize for all my notes written on them. 
Please let me know when you hear something. 
Sincerely, 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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing this complaint because EQUIFAX refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/19 there was fraud on my XXXX Mastercard. I called as soon as I noticed it and the Fraud DepXXXX removed it along with the interest charge, finance charge and late fee charge right away. However, XXXX Mastercard has reported to the credit agencies that I was late on paying that statement, which is not correct.I tried calling their call center and emailing to no avail. I want this removed from my credit history immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I  have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit Acceptance offered me a horrible loan. This led to repossession of my car. They sent the repossession amount to a law office in XXXX, Ohio. Law office sent me paperwork allowing me to make payments on the loan. The day after I received the paperwork they started garnishing my wages before the date stated on the paperwork. Ive paid at least {$3000.00} off of the loan. This is not reflected on my credit report. Ive disputed the amount with XXXX. Credit Acceptance is reporting to XXXX  that the amount on my credit report is accurate. This is not true and I have court documents stating otherwise.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and XXXX and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. XXXX, XXXX, and Transunion continues to validate propagated errors throughout XXXXXXXX. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and E-Oscar and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. Experian, XXXX, and XXXX continues to validate propagated errors throughout E-Oscar. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.

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