vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 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: LA

Complaint narrative:
I, XXXX XXXX XXXX, have not had an updated Experian credit score/file since XX/XX/2018. I have asked for updates with the company directly and no one contacts me back as they say they will. I am trying to buy a house and my credit score is the same as it was 2 years ago when I have been working diligently on my credit. I have not been able to keep up with debts and they have now grown as I found out today.

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 2020-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
National credit systems management collaborative of Alabama keep reporting a collection of XXXX to credit bureaus in the name of XXXX XXXX my name is XXXX XXXX XXXX and I've never rented apartment ..The apartment don't belong to me.. I been trying for 2 yrs to resolve this issue..im not sure who rented apartment using my information but it wasn't me.cant file theft of property.im not sure..i have a idea but I don't want to say because I could be wrong ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Midland credit funding has collection of XXXX from one of three credit loans that was taken out fraudulently. On XX/XX/2016. I had two security breeches that are one record I just found out this was fraud I never looked into my credit until now that I found out someone was taking out loans. I filed a dispute which I attached and my security breeches and my theft.gov report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 Systems International, Inc.
State: FL

Complaint narrative:
CREDIT SYSTEMS INTL IN is incorrectly reporting information on the following two accounts : Account # XXXX Original Creditor : XXXX XXXX XXXX Balance : {$410.00} Original Balance : {$500.00} Account # XXXX Original Creditor : XXXX XXXX XXXX Balance {$330.00} Original Balance {$330.00} I mailed XXXX  a letter on XX/XX/XXXX. In the letter, I explained that I had been living in XXXX since XXXX of XXXX and just returned to live in the USA in XXXX of XXXX. Previously, I had only returned to the USA in XXXX, for business purposes. 

I included copies of my US Passport with my XX/XX/XXXXXX/XX/XXXX. They show every entry and exit out of XXXX. 

The letter further states that I never opened nor authorized any of the above accounts to be opened. I enclosed the copies of my passport XXXX  pages which supported my position and asked the company to reinvestigate the matters and to delete the disputed information. 

In addition to providing the inforamtion to XXXX, I called Credit Systems Intl IN, around XX/XX/XXXX. I explained that I sent my XX/XX/XXXXand proof that I was living overseas and did not open the accounts. 

I have recently purchased a new truck and my interest is much higher due to the negative credit reporting provided by Credit Systems Intl IN. Their inaction to address incorrect informaiton has resulted in financial harm and damage by requiring me to pay a much higher interest rate. The policies and practices employed by this company are contrary to Fair Credit Reporting Act ( FCRA ) laws and they should be reprimanded for the financial harm they have caused to myself and to many others. 

if this is not resolved, my next course of action will be to hire an attorney to sue them for the financial damages which have resulted from their noncompliance with FCRA laws. I hope that I do not have to waste time and money with this approach and hope that your office can assist in remedying this situation as well as place a note in their file indicating that their business does not comply with the Fair Credit Reporting Act laws. They are likely causing financial harm to many customers by their intentional inaction. 

I look forward to help from your agency with this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I contacted XXXX since it was an unpaid balance with them, after updating my mailing address and phone number I made a payment of {$50.00} towards the balance because I could not afford the full balance at the time. 



When I contacted XXXX for second time, after a short period of time, I was told my account was sent to a collection agency, they were clear to dont worry about it because the collection agency would contact me via XXXX XXXX or phone call and I would have the chance to pay it before it pop-up in my credit report. Since I didnt get anything in the mail, I contacted XXXX again and they wont to provide the contact information of the agency. 



Time goes by, I did not receive a call or letter and now I checked my credit report and I realized that the account was placed in to collection agency name Southwest Credit System. As I called the collection agency, I was told that they had tried to reach out to me but turns out that XXXX gave them my old address even though I had given XXXX my P.O. Box address the last time I made my payment to them because I am in a XXXX  situation. 



My husband requested the supervisor a courtesy deletion since I was waiting for the letter in the mail and they received inaccurate information that prevented me to dispute or pay the bill before its pop-up in my credit report but they just refuse, Is a very unfair situation since as I said I am in a XXXX  situation and I need to clear this account from my credit to apply for an affordable housing. I am just asking for the fair thing, have the chance to pay it or dispute before it damages my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: IL

Complaint narrative:
I SENT DISPUTING LETTER TO EXPERIAN AND NOTHING HAS BEEN CHANGED ON MY REPORT. 
AND ONLY EXPERIAN HAS REPORTED I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Mistaken Identity XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

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 2020-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX I made a payment towards my school loan in the amount of {$22000.00} to Sallie Mae at the time now they are Navient. I thought this was the total amount to be paid to the loan. However, there was still a balance of {$110.00}. Rather than applying my payment to the entire loan, they held the entire {$22000.00} in an account of their own and pulled payments from it till XX/XX/XXXX. Keep in mind, I had no idea this was being done nor did I ever receive one statement in the mail. They said they emailed statements but that probably went to SPAM because I never heard of Navient. Not until XX/XX/XXXX did I get something in the mail stating I was delinquent on my account. Once I received that notice I immediately contacted them to find out what the problem was. Once I validated their claim I made a payment to them to settle the account. Now after 13 years of holding my money and charging me interest they then made a negative reporting to the credit agency. I had a rating of almost 800 and now it is at XXXX! I don't know how they can legally hold XXXX of money, probably in an interest bearing account that I saw nothing of, and then charge me interest. And never send me anything in writing stating that fact. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

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 2020-10-13 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

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 2020-10-13 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

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 2020-10-13 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XXXX of XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XXXX of XX/XX/XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

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 2020-10-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX Ditech began reporting a higher principal balance than was due through the time servicing was transferred in XX/XX/XXXX damaging my credit score. I disputed this with all three bureaus but Ditech would not correct it. Having filed a claim against their bankruptcy for another issue, I have disputed their information again. Now, Ditech has removed their account from my XXXX  and XXXX  report further damaging my credit score as this was my oldest trade line. But they partially corrected principal balances in my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XXXX of XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
My loan was paid off XX/XX/2020. I have been in contact with the lender several times since trying to get money owed to me from escrow overage. They owe me a total of {$2600.00}. They have stated on several ocasions that they would be sending me the check. I have not recieved anything from them yet. I am just looking for help. 

company name : AmeriHome Mortgage, NMLSID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Last year I disputed an alleged account from XXXX for {$710.00}. This account wasn't mine and after debt validation and countless disputes, it was proven the account was not mine. Company didn't have proper documentation to tie me to the debt. As a result, the account was deleted from my credit report and I have the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There are multiple parts to my problem but I am submitting a complaint based on an over payment of bill, because I had a XXXX $ credit limit and when I swipe a card anywhere if its XXXX $ over I will get declined but when XXXX submits a charge of XXXX $ to go through its no questions asked they are open to approve me then on a payment I didnt agree to that was supposed to be around XXXX $ and I even while Im asking to pay from a different form of payment I dont understand how a XXXX $ charge can go through for that company and the credit card company just approves that, when this happened I called immediately and the credit company said dont worry I have protection but 6 months later my credit is ruined I got denied on a loan I was already approved for to start a business and Im in debt close to XXXX $ and cost me a loan that I was approved for XXXX $ on and it cost me I only had a XXXX $ credit limit. I also was not the person driving the car that was rented I should of had a XXXX $ charge but the car was taken without my permission and driven across the country, when I tried to report it stolen to the police department they would not let me since I was not the owner of the car and after the close to XXXX  $ charge posted on my credit card I was so in shock knowing I couldnt make a payment like that I didnt even think until now what was that even approved on a XXXX $ credit card. Im sure there is some reason this is aloud or why thats possible but I do not think it should be, that is way beyond my level of cash income for that time now I am even worse off but then I was not good either. This happened in XXXX around Covid also the last time I had a steady job and was the beginning of a spiral downwards of bad things happening. I would like to add that my girlfriend was the one who stole or took without my consent the vehicle, I tried to stay nice with her at first hoping she would just return it on time but she instead ruined my life. I submitted a complaint on identity theft. Org over this too but I dont want to accidentally vomit perjury and get myself into trouble also the reason I delayed on contacting anyone, the budget car rental company still has not been informed, but I would almost rather get in trouble for that then. Have my whole life destroyed any longer if there is anyone reading this with any knowledge base of resources I could possible use so that I am not stuck paying off a bill my now ex girlfriend made for the next decade please help, also if I am in the wrong area to make a complaint over a situation like this I apologize I did not know about the FTC until last week. The suspects my ex

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BELMONT FINANCE LLC
State: NC

Complaint narrative:
I need this ( Belmont financial Account # XXXX ) account remove because its showing different dates of last activity to all three credit bureaus the dates are wrong and its just showing In accurate account info payments is also wrong and I thought by law the creditors suppose to report the right information all 3 creditors is showing inaccurate info XXXX XXXX 3 different dates and I dont have a balance so why is it still on my report & XXXX XXXX showing 3 different dates and inaccurate info as well ... I need them remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: NJ

Complaint narrative:
experian has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX   XXXX Balance Owed : {$4100.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil

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 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo closed my credit card ( account ending XXXX ), stating no activity in 12 months. This is untrue, in XXXX I made a payment bringing the account to a {$0.00} balance. They closed the account without notice, and refused to open the account - wanting me to reapply for a NEW CARD. This is fraudulent and deceptive behavior. They knowingly closed an account that would have an adverse affect on my credit score ( less available credit ), for a reason or policy that I had not met.

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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I need this ( XXXX  XXXX  Account # XXXX ) account remove because its showing different dates of last activity to all three credit bureaus the dates are wrong and its just showing In accurate account info payments is also wrong and I thought by law the creditors suppose to report the right information all 3 creditors is showing inaccurate info Helvey Assoc 3 different dates and I dont have a balance so why is it still on my report & XXXX XXXX showing 3 different dates and inaccurate info as well ... I need them remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation