vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In the process of removing the last incorrect items from my account. Unfortunately, despite Transunion previously removing this item from my account, this collection item, Account name XXXX XXXX, Account number XXXX, still wrongly persists. This collections agency has violated the FCRA in the following ways : 1. Knowingly disseminating incorrect info : the apartment knows the information is incorrect, as does the agency. Thats why the other two bureaus have removed this item from my report. The agency is using lowering my credit score as a way to get me to pay just so theyll go away regardless of the accuracy of the info.

2. Not stating that the bill was disputed : the underlying amount ( both in amount and the very existence of the debt ) is hotly disputed. The apartment and I have disputed the existence of this debt under applicable state law for the past year but the agency is presenting this bill as if it is undisputed. This violates FCRA 623 ( a ) ( 3 ). Transunion is similarly enjoined from reporting this information that is verifiably inaccurate.

3. The agency has failed to report a date of delinquency as required under FCRA 623 ( a ) ( 5 ) ( A ).

4. Because certain information was not reported/verified, the agency was required to modify, delete, or permanently block its reporting under FCRA 623 ( b ) ( 1 ).

5. I attempted to dispute this debt with the agency but it did not investigate as required under the FCRA, particularly Furnished Rule 660.4 ( a ), ( e ). These are just the glaring examples.

Again, this item was already removed but the collections agency submitted it again. I am reaching back out to counsel. I would appreciate it if Transunion did the right thing and removed this incorrect item, again. Thanks!

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 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The company deleted credit reporting my active account from all credit reporting agencies after six years of good payment history and an account in good standing causing my credit score to drop by 100 points causing a low credit score This loan is still active and not within seven years statue to delete hence this account have been over paid I feel by {$10000.00} this why I feel the company violated FCRA to hind the overpayment on the account Additionally I am owed the title for this Vehicle which has been overpaid

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 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The company deleted credit reporting my active account from all credit reporting agencies after six years of good payment history and an account in good standing causing my credit score to drop by 100 points causing a low credit score This loan is still active and not within seven years statue to delete hence this account have been over paid I feel by {$10000.00} this why I feel the company violated FCRA to hind the overpayment on the account Additionally I am owed the title for this Vehicle which has been overpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The company deleted credit reporting my active account from all credit reporting agencies after six years of good payment history and an account in good standing causing my credit score to drop by 100 points causing a low credit score This loan is still active and not within seven years statue to delete hence this account have been over paid I feel by {$10000.00} this why I feel the company violated FCRA to hind the overpayment on the account Additionally I am owed the title for this Vehicle which has been overpaid

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 2021-09-11 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: Self Financial Inc.
State: OH

Complaint narrative:
XX/XX/2021 {$26.00}, XX/XX/2021 {$26.00} on these dates I didnt pay an was charged a late fee. How when a finance charge is being collected under my rights have been violated under these statues 15 usc 1692d, 15 usc 1692e. Ive repeatedly told the company to remove the negative reporting from the consumer reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please help. I have always paid my bills including my mortgage, car loans, and credit cards as agreed and on time. I stay within my monthly budget. I have a good stable job with the federal government. 
My complaint is about Experian 's credit score and monitoring system is in need of a major overhaul! The system is punitive and disproptionatly calculates a consumer 's credit score that results in a negative score. 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 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
Sequim Asset Solutions are calling me and dont appear to be a company operated within the US . Sequim has not provided me with information showing that I owe them any debt. I want this information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please help. I have always paid my bills including my mortgage, car loans, and credit cards as agreed and on time. I stay within my monthly budget. I have a good stable job with the XXXX XXXX. 
My complaint is about XXXX 's credit score and monitoring system is in need of a major overhaul! The system is punitive and disproptionatly calculates a consumer 's credit score that results in a negative score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/2021 Jefferson capital systems emailed my father my entire debt account information. He is not the account holder nor has his information been provided to them. They found his email and emailed him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I received my consumer report from XXXX XXXX XXXX. I let all three credit bureaus aware of the transaction not being mine and the bank accounts. However, this is prohibiting me form opening bank accounts and it was not my fault. I lost my drivers li9cne and passport last year and I think it is catching up to me now and it is not my fault. someone has my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've contacted all 3 bureaus and they are not responding to the dispute letters that the dispute company has been disputing all negative items on my credit report. I've advised i should not have to get a police report. Aint no way they discriminating and don't want me to have good credit. I've called all 3 bureaus and advised them those negative items are not mine. Its been way over 8 months and no one has responded to none if the disputes that has been sent to them. Everything has been certified and still no communication. They are not doing their jobs. As per the fair reporting agency they supposed to respond within a reasonable time..its been way over 8 months ans I haven't got anything. Also as per the fair credit reporting act if a collection was sold it is no longer mine. So again all negative items Needs to be removed off my 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 explanation
Consumer complaint received 2021-09-11 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 — Problem with personal statement of dispute
Company: MOHELA
State: NV

Complaint narrative:
I have reached out to Mohela several times in the past few years to update my credit profile for 2 late payments across multiple balances. These late payments were reported inaccurately and they are refusing to update to current. It has adversely affected my credit and what they are doing is absolutely fraudulent. I have no other means of getting this resolved other than going through with this complaint to report them for bad practices. Ive sent letters and emails to their Executive Director, but nothing. It is criminal and a horrible practice with the things they are doing regarding student loans just to make people lives miserable because they wanted to get an education to better their lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: SC

Complaint narrative:
Accounts on my equifax credit report that does not belong to me. Open fraudulently. Requesting that accounts be investigated & removed. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  8. XXXX  ( 1 ) 9. XXXX ( 2 ) Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
PennyMac loan servicing company is committing fraud. I have completed all three of my home loan modification process trial payments. PennyMac Loan Servicing Company ( Bank ), stopped my FHA loan modification process, placed my payment on the back end of my home loan and sent a notice stating partial payment. PennyMac Loan Servicing Company is pretending like I was not in a modification trial period, pretending like I did not submit any documents to them and proceeding with my foreclosure. PennyMac is taking advantage of the Covid-19 crisis and demands and housing market crisis. They are lying to the courts too speed up foreclosure, stating I did not respond for mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have reached out to XXXX several times in the past few years to update my credit profile for 2 late payments across multiple balances. These late payments were reported inaccurately and they are refusing to update to current. It has adversely affected my credit and what they are doing is absolutely fraudulent. I have no other means of getting this resolved other than going through with this complaint to report them for bad practices. Ive sent letters and emails to their Executive Director, but nothing. It is criminal and a horrible practice with the things they are doing regarding student loans just to make people lives miserable because they wanted to get an education to better their lives.

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 2021-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Someone used my identity and information to open up a XXXX XXXX  credit card which they used one of my debit cards for the program fee.which was XXXX $ charge on m debit and they ran the credit card to the max XXXX and it still opened I spoke to that bank and told them what happened.also my new bank account where I get my unemployment alot of transactions actions where made that I didn't make that add up to {$1900.00}. I also been seeing multiple credit inquiries the inquiries that I did not make I tried applying for a credit card that I definitely qualify for qualify for and it won't approve me when I got a good credit. I noticed this All Star that happened when one of my phones were lost or possibly stolen And it had all my accounts and information such as ID social etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I made over a {$2500.00} overpayment on my Capital One WalMart credit card at the beginning of XXXX and requested a refund for the overpayment XXXX XXXX. I was told it would be sent out in a few weeks. I hadnt received it by the first week of XXXX and when I called they finally told me they put a hold on it for 12 days until XXXX XXXX for review and then finally released the funds and sent a check. They said to be patient and I would receive it by the end of that week. I did not and when I called back they said it was an automatically generated check with no tracking and to again be patient. They said to give it 15 days from when they mailed it XXXX XXXX. I still had not received it on the XXXX day which was XXXX XXXX. When I called back XXXX XXXX, I waited on the line and senior supervisor, XXXX, said he was going to check on why there was no tracking for me. I also asked him to cancel the check and send out a new one and he gave me a hard time about it After 20 minutes and holding multiple times, I was disconnected. I am having to call back over and over and fight to get money back that is owed me by the credit card company. I have a busy life and take care of people with disabilities and a sick child. I dont have time for this. This shouldnt happen. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
Amsher Collections reported a new collection to my credit report in XX/XX/XXXX for XXXX XXXX. They stated that the collection was opened on XXXX XXXX. This is incorrect and they have re-aged the debt. It was originally reported as opened in XX/XX/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 2021-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
I had a mortgage secured by a first lien on a home I owned in XXXX, Virginia. The loan was service by Lakeview Loan Servicing , LLC. I sold the home and the sale closed on XX/XX/21. The mortgage was paid in full as a result of the sale. The escrow balance associated with the loan was {$6000.00}. I have been in contact with Lakeview Loan Servicing , LLC a number of times since the payoff of the loan, requesting a refund of the escrow balance. I have received repeated assurances that the " check will be mailed to me shortly '', but it has now been 90 days since the loan payoff and I have not received a check for the escrow balance.

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 2021-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
I am in the forbearance Loss mitigation program with Loancare. I was affected by Covid 19, I loss my job and have found another job with XXXX income reduction. I have been sending in required documents. I have letters staying I am in the Loss mitigation and that no negative information would be reported. XXXX Loancare report my whole forbearance amount XXXX in late payments. I am supposed to be getting a loan modification to avoid this very thing. Now my credit drop 5-points which is hindering me more, This is unfair when I am doing all the mortgage company is telling me to do. Please help me get this corrected. I have not been denied loan modification, I am right in the middle of the process, how can they be allow to report negative against my credit. 

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 2021-09-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have accounts on my credit report older than 12 years and I have continually disputed these accounts and asked for the remove but never granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: CA

Complaint narrative:
I have accounts on my credit report older than 12 years and I have continually disputed these accounts and asked for the remove but never granted.

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 2021-09-11 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Barclays is still reporting a closed account to XXXX. This account was never delinquent. This account does not appear on the other 2 credit bureaus ( XXXX or 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 2021-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC
State: NJ

Complaint narrative:
This company JHPDE FINANCE I , LLC appears on my crdit report trying to collect an amount of a XXXX that I never open dated on XX/XX/2018 .... ( see attachment ) This company, JHPDE FINANCE I , LLC have all my personal information with out my concent.

Company response to consumer: Closed with explanation