vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-13 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I paid off my lease with Ally, and the mileage fees on time. I made my last payment on XX/XX/XXXX. However I was reported late for XXXX erroneously on XXXX only. XXXX and XXXX were reported properly. I have contacted Ally since XX/XX/XXXX over a dozen times concerning correcting their error. I have disputed the error with XXXX, and have asked Ally for my payment history and for account statements proving I was never late, but they refuse to cooperate. They are a corrupt financial organization. They sent me a document dated XX/XX/XXXX that the account was paid in full. This is proof that XXXX wasn't late. I have been denied credit as I sought a place for myself and my XXXX year old to live, and my fico score dropped 60-80 points. I can't get a mortgage as I was verbally denied after my credit was examined. My online portal which allows consumers to obtain their loan documents is blocked because I mentioned an Attorney. There have been many complaints against Ally which was verified by a law firm in XXXX where Ally operates from/

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 2022-07-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: HI

Complaint narrative:
I purchased a vehicle and the car company provided myself and the loan company Westlake Financial. This was discovered by the car company after I made my first payment. Since then the loan was cancelled with no notification to me and restarted by the car company and loan company on their own. My credit rating dropped from XXXX to XXXX because of their multiple credit checks even though the loan had already been approved and I had made a payment. Now this morning I was awaken at XXXX this morning for what the supervisor said was a mistake. When I asked why I was being awaken he said it was a mistake. I asked why he called and he did seem to be able to answer that question. When asked to speak to someone with some authority I was hung up on. This borders on harassment. This company is ranked as a weak customer service loan company in their reviews. I can see why.

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 2022-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/22 I was sued by a company called Credit Corp solutions for the amount of XXXX on a XXXX account they claimed as mine. I explained to the courts and debt collector I have never opened a credit card account with XXXX. In court XXXX XXXX. Solutions had no verification of the debt or any proof the XXXX account was mine. The court ordered a continuance to be investigated for fraud and go back to court on XX/XX/22. I immediately ran my credit reports XXXX, XXXX and XXXX. I could not find the account they are claiming I owe. I also called Credit Corp solutions XX/XX/XXXX and they told me it was under fraud investigation and I needed to wait 30 days. I also asked for extra information on the account to be able to research the debt but was told is under fraud investigation. All I have is the last 4 digits of the credit card I'm missing the other XXXX digits. I still tried contacting XXXX directly and they have no record and could not help me without a full account number. I have contacted Credit Corp Solutions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They continue to tell me they don't know anything and that the account is under fraud investigation. After begin told it would only take 30 days to conclude the investigation. I feel my hands are tied I ran the credit reports as well as contacting XXXX and Credit Corp Solutions and have gotten no information on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
On XX/XX/XXXX, I tried to apply for an account with XXXX XXXX and was denied because of Chex systems. I reached out to Chex systems in regards to the matter. I was sent a letter stating that I had an account with XXXX  XXXX XXXX in the past and I owe {$350.00}. I never had an account with them but my ex husband did. He put me on the account in case if anything ever happened to him that I would be able to access anything I needed of his. I never put any money in there or did anything with the account. I was told in XXXX during the divorce that my name was removed from all his accounts. Fast forward to XXXX, I applied for this new account and now I can not open an account with them because he left a balance on that account and I had no idea. Because my name was on it when it closed they are trying to tell me I am co responsible. I contacted XXXX  XXXX XXXX on XX/XX/XXXX And was told I am responsible for something that I had no idea about and would not have known because evidently in XXXX they put this on me and if I didn't try for the XXXX account I would have never known. I feel as if I am not responsible for someone elses debt because I was told one thing and the case was something else. I would like for them to remove this from my account because I am not the primary account holder and I have never even used this bank or step foot in there except under the false pretenses that it was for if anything were to happen to someone I would be able to take care of their affairs with no issues.

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 2022-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
XX/XX/2019 a XXXX XXXX account was opened in my name. The person added an authorized user of " XXXX XXXX. '' Within the last XXXX weeks, I began the process of closing on a home. Then, a collection account from Jefferson Capital Systems appeared on my credit reports. I disputed the debt because I knew nothing of it. I then contacted XXXX, who let me know about the account that had been opened in my name, wasn't paid, and was sent to collections. The person used my name, social security number, and an outdated address. I have attempted to contact Jefferson Capital Systems by phone, to no avail. I have filed a police report and provided it to XXXX. This is a clear-cut case of identity fraud, and it is close to making my entire family XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have credit monitoring applications on my phone and noticed that my XXXX score suddenly dropped. I looked into why it had dropped as nothing should have caused that change and the other credit agency did not have a change. I noticed that XXXX suddenly started to report a closed account with negative history. They started to report Oportun XXXX account number XXXX installment loan under my closed accounts. This account does not belong to me, it was never on my credit report until XXXX. I contacted Oportun, they do not have a record in their system with my name and social security. I started the dispute with XXXX and have called them but they just inform me it is under reinvestigation. Again, this was ever on my credit report until last month and according to the XXXX it has been open since XXXX  In the past the credit agencies have mixed my name with a similar name which is noted on my credit report. I have been dealing with this for a few weeks and need to resolve as I am in the process of purchasing a home and this incident has dropped my credit score by XXXX points in just a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX ( Original Creditor : XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 non-monetary relief
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX ( Original Creditor : XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 non-monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am going through loan modification with Shellpoint mortgage. My mortgage pre pandemic was {$2300.00} with an interest rate of 3.5 %. My take home net pay is XXXX XXXX  monthly. 
My new mortgage has been modified to a monthly payment total {$3800.00}, 6 % interest and extended for another 30 years. 100 % of income applies to mortgage. 
Not only does my mortgage payment absorb my complete paycheck, it adds {$540000.00} to my mortgage payment over 30 years. 
Shellpoint can not send me any documentation on how they accessed my payment. The main answer is I could try modification again and I may not receive it and or interest rate may be worse. 
I thought the idea of modification was to help homeowners get back on track after pandemic. 
Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have credit monitoring applications on my phone and noticed that my equifax score suddenly dropped. I looked into why it had dropped as nothing should have caused that change and the other credit agency did not have a change. I noticed that equifax suddenly started to report a closed account with negative history. They started to report XXXX XXXX XXXX XXXX XXXX  installment loan under my closed accounts. This account does not belong to me, it was never on my credit report until XXXX. I contacted XXXX, they do not have a record in their system with my name and social security. I started the dispute with Equifax and have called them but they just inform me it is under reinvestigation. Again, this was ever on my credit report until last month and according to the equifax it has been open since XXXX. In the past the credit agencies have mixed my name with a similar name which is noted on my credit report. I have been dealing with this for a few weeks and need to resolve as I am in the process of purchasing a home and this incident has dropped my credit score by XXXX XXXX in just a month.

Company response to consumer: Closed with explanation