vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I scheduled a payment to XXXX XXXX XXXX. The payment returned due to reasons beyond my control. I called XXXX to recover the payment via debit card in which they would not accept. A rep even advised me XXXX or Toyota Motor Credit were going to run my check again so therefore I did not have to schedule a payment to avoid having a duplicate payment. I called my bank to confirm XXXX only attempted the payment once and XXXX did. I assumed XXXX was going to run the payment again that day or the following day since I was told they were going to by a XXXX XXXX rep. I diligently called XXXX to get this payment recovered before the payment reversed in their system. I received conflicting information about their attempts and process. The information they provided was very misleading and deceptive which prevented me from recovering my payment in time to stop the reporting of the delinquency. I 've always made my payments on time including this one time. They allowed me to make a double payment the following day after they determined they were not going to make that attempt again. So now my credit is ruined because of their negligence and inconsistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: CA

Complaint narrative:
We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXX but when the mortgage lenders tried to get my credit report nothing would show up. I have called XXXX, and trans union and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.

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 2017-10-05 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: CA

Complaint narrative:
We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXX but when the mortgage lenders tried to get my credit report nothing would show up. I have  called XXXX, and XXXX XXXX and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.

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 2017-10-05 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I hired a credit repair company to help me remove some things of my credit report from all three credit agencys in which they did help but, I have one of {$600.00} that 's keep coming back after it was removed a couple time but reappear. I sent letters every 90 days and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX - Initiated letter to Legal department of all 3 Credit bureaus. All three credit bureaus show different amount of this debt. Registered mail.
XX/XX/XXXX - Registered mail to creditor asking them to validate debt through audit certification of debt education to debt entry in accordance with g.a.a.p, I.f.r.s., in accordance with basel 3 accord an u.n.c.i.t.r.a.l conventions. And requested copy of creditor 's Tax Registration certificate.Creditor never validated debt. 

XX/XX/XXXX - Requested creditor ask creditor to validate debt via registered mail.
XX/XX/XXXX - Requested credit bureaus validate debt and amounts via registered mail. 

So forth

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX we put a stop payment on all transactions from XXXX XXXX. We then have our stop payment request refunded back to us on XX/XX/XXXX to then allow a check from XXXX XXXX for {$340.00} to go through putting our account into the negative big time. We never even were notified they were taking the stop payment off and then letting the payment from XXXX XXXX to go through. Talk about being crooked big time. this is very unacceptable.

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 monetary relief
Consumer complaint received 2017-10-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed in my credit report have several hard inquiries I do not inquired or authorize. They put negative image on my credit score and it need to come out of my score as soon as possible. They are as follows : XXXX XXXX XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX XXXX cred inquiry from XXXX XXXX never inquired or applied anything with them ; XXXX-inquiry from XXXX XXXX, XXXX not authorize or inquired anything from them ; XXXX XXXX XXXX XXXX XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX inquiry XXXX XXXX, XXXX never inquired or applied anything with them. These are the companies I found made inquiry in my credit report without my consent or my approval and I want them remove from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: FACTUAL DATA CORP.
State: NV

Complaint narrative:
On XXXX/XXXX/XXXX a hard inquiry was pulled on my credit report. I did not give permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Risecredit, LLC
State: MO

Complaint narrative:
Receive a loan from Rise Credit online. Ran into further financial troubles and the bank account the payments were drafted from was closed by the bank. I have opened another account at a different bank and Rise has somehow found that information and continued to make unauthorized automatic withdrawals from this new back account causing overdrafts and new financial issues. I HAVE NOT provided Rise with this bank account information nor authorized them to perform automatic funds transfers from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I sent this via email on XX/XX/XXXX RE : Loan ID : XXXX /Revocation of ACH Credit and Debit Authorization TO WHOM IT MAY CONCERN : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. 

Please confirm receipt of this revocation, and your intention to honor it, no later than ( Monday, XX/XX/XXXX ). Confirmation may be made via email at : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made a prior complaint regarding the same issue and they tried to fix it than fixed it partially. 

I have tried over and over again to have the bank fix my mailing address issue. To date they still have not fixed this issue. 

I simply asked them to send my mail for all my accounts with Td Bank to my XXXX XXXX XXXX but some accounts they fixed while others they still have not fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 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: Rent Recovery Solutions
State: GA

Complaint narrative:
I am currently under bankruptcy and both the collection agency and XXXX have been notified by my attorney. They are still reporting as an open collection on my report which is a clear violation of my rights and are refusing to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent transunion the proper signed documentation acknowledging there are several inquiries on my report not authorized as well as my social and drivers license. I asked for proper documentation proving I authorized these inquiries as I had not given permission. In response, they ignored my complaint/dispute/request and sent a copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: FL

Complaint narrative:
Experian, XXXX, and XXXX all have previously incorrectly reported my account on Florida Child Support. I made XXXX payments directly to my former wife of XXXX per month. On XXXX XXXX I went to XXXX Court and provided proof of payments to XXXX XXXX. 
The court amended my child support ledger to zero owed. This is a matter of record in the Florida Dept. of Revenue Website and the court which supervises same. 
The Credit bureaus refuse to correct their record, or add a statement from me which does same. They are required to delete disputed information within 30 days. They failed to comply. 
The years of inaccurate reporting caused me damage in threats to take my drivers license by the state, the actual taking of my passport ( which took all year and legal fees to rectify ), and a loss of several job opportunities abroad which we substantial. 
Perhaps a fine or sanction for them would deter future abuse of credit reportees? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl. XXXX 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 2017-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I called GM Financial starting the day after XXXX XXXX to let them know that I need a deferment due to being impacted by the hurricane. Called since XXXX to get my due date changed that was never done..I was approved for a deferment for the month of XXXX XXXX. However after i esigned all documents my credit report was hit with a XXXX late reporting for XXXX and XXXX. I have called GM financial every other day since XXXX XXXX. Every XXXX has lied to me promising me things would be corrected. And not XXXX management person has kept their promise it 's almost like my issue is a joke. Not only has this dropped my XXXX XXXX over XXXX points it has also impacted my ability to get a natural disaster loan to fix my house. I have begged this company to corrected it and not XXXX person has cared enough for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with Credit Acceptance how can I have a missed payment. 
Credit acceptance need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

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 2017-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
A reported debt for XXXX from XXXX/XXXX/XXXX for XXXX  Never received a medical bill let a lone a notice that an account was being sent to collections or had been placed to collections. I never received a letter that I had a chance to dispute the collection. There is no way I could even have a medical bill for XXXX as I have MILITARY HEALTH INSURANCE. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with XXXX XXXX how can I have a missed payment. 

XXXX XXXX need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

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 2017-10-05 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: NC

Complaint narrative:
This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with XXXX XXXX how can I have a missed payment. 

XXXX XXXX need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with XXXX XXXX how can I have a missed payment. 

XXXX XXXX need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

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 2017-10-05 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: WV

Complaint narrative:
I have contacted all 3 credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current.

It is just not right that one of the three agencies responsible for maintaining consumer personal credit information ( XXXX ) can have a major breach ( affecting millions ) and NO repercussions. My son was late ONE time and this stays on MY credit report for SEVEN YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had 4 credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. SEVEN years is just not right. XXXX will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: WV

Complaint narrative:
I have contacted all 3 credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current. 

It is just not right that one of the three agencies responsible for maintaining consumer personal credit information ( XXXX ) can have a major breach ( affecting millions ) and NO repercussions. My son was late ONE time and this stays on MY credit report for SEVEN YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had 4 credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. SEVEN years is just not right. XXXX will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: WV

Complaint narrative:
I have contacted all XXXX credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current. 

It is just not right that XXXX of the XXXX agencies responsible for maintaining consumer personal credit information ( Equifax ) can have a major breach ( affecting millions ) and NO repercussions. My son was late XXXX time and this stays on MY credit report for XXXX YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had XXXX credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. XXXX years is just not right. Equifax will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report immediately.

Company response to consumer: Closed with explanation