vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Truth-in-Lending Act ( TILA ) is a federal law that is apart of the Consumer Credit Protection Act. 

Fact, the purpose of the Truth-in-Lending Act ( TILA ) is to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to her and avoid the uniformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices, and I have been abused and deceived so be it. 

Fact, affiant is aware and has proof in attachment labeled as Exhibit B that GM Financial is in violation of 15 U.S. Code 1605a ( c ). This transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligor loss, and or property damage. GM Financial did not include my insurance in my finance charge.

Fact, affiant is aware and has proof in attachment labeled Exhibit B and Exhibit C that GM Financial is in violation of 15 U.S. Code 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. GM Financial in fact took a {$1500.00} cash payment as shown in Exhibit C. 

Fact, affiant is aware and has proof in attachment labelled Exhibit A-G that GM Financial is in violation of 15 U.S. Code 1611. GM Financial willfully and knowingly failed to provide/disclose information required under 15 U.S. Code 1601. GM Financial is now civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MI

Complaint narrative:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items and authorized inquiries for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$97.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good Afternoon I applied for a credit card with XXXX and was denied so I called for reconsideration as I have a long standing banking relationship with XXXX. After talking to a representative, I was approved for a card but was hit with an unnecessary hard inquiry as an initial one was already done when I first applied for the card. 

I am seeking to have one of the inquiries removed. 

Thank 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 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had 2 unauthorized charges happen on my account over night. Wells Fargo are saying they will fix it but I dont have the money back in my account. This is ubsurd. I dont even have my card in my possession.

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 2022-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: NY

Complaint narrative:
An unknown hacker did a SIM swap and took over my SIM card with my cell phone number. This hacker used my phone number to call my Discover Bank pretending it was me and did 2 fradulent wire transfers of {$150000.00} to an external bank named XXXX XXXX XXXX XXXX and {$100000.00} to external bank XXXX XXXX XXXX XXXX XXXX. Both wire transfers took place on XX/XX/22 which was the time that my phone stopped working. I couldn't text or call anyone starting from the afternoon of XXXX to the evening of XX/XX/22. I changed my SIM card on the evening of XX/XX/22 where there was weird call forwarding set up. When my husband called me, an angry XXXX man with an XXXX accent picked up. We have the cell phone records proving these fraudulent phone calls were made using my phone number. I reported this grand larceny crime to the FBI and with the XXXX. Discover has submitted the 2 recalls to get these funds back. However, due to the regulations XXXX, Discover is telling me that if the recalls are unsuccessful, Discover will NOT reimburse me the funds. 

I never knew this fraudster/hacker. This fraudster hacked my SIM card and used my identity to do XXXX fraudulent wire transfers. And Discover Bank was negligent in not doing a thorough verification process to ensure my identity and negligently approved and processed XXXX outbound wire transfers of {$100000.00} and {$150000.00} to another person to XXXX external banks. 

If the wire recalls are not successful in retrieving all of the funds or only receiving the partial funds, Discover should reimburse me until I get the full {$250000.00} with fees back to my account. 

Federal Regulations e protect against unauthorized electronic funds transfers ( EFT ). And wire transfers are EFT. Therefore, I should recover the full amount of {$250000.00} even if these are domestic wire transfers. 

Discover refuses to cooperate with me in recovering the funds by refusing to give me the account numbers of the external that these funds went to. Discover has been uncooperative and are not making their best efforts to retrieving these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D&A Services, LLC
State: GA

Complaint narrative:
I'm struggling with identity theft. I really didn't expect this to happen to me. As a result, they are suffering financially and psychologically. It's very scary and terrifying to see someone use a card that I haven't used yet. I sincerely hope that you will promptly correct the incorrect information and show the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting, act Receivable XXXX XXXX  XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX  with a credit limit of XXXX my payment due date is the XXXX of every month. I made payment with representative on the XXXX of XX/XX/2022, I also reported my card lost on on XX/XX/2022 and they issued a new card that same day as I made my payment. XXXX XXXX canceled my payment of XXXX without my knowledge and reported 2x 30days late on my consumer report. I spoke to a representative and he admitted it was there fault but was nothing they couldn't do about it on there end. they suggested I dispute the 2x 30 days late with the credit reporting agencies myself. I would like the false 2x 30days late 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 non-monetary relief
Consumer complaint received 2022-03-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX  with a credit limit of XXXX my payment due date is the XXXX of every month. I made payment with representative on the XXXX of XX/XX/2022, I also reported my card lost on on XX/XX/2022 and they issued a new card that same day as I made my payment. XXXX XXXX canceled my payment of XXXX without my knowledge and reported 2x 30days late on my consumer report. I spoke to a representative and he admitted it was there fault but was nothing they couldn't do about it on there end. they suggested I dispute the 2x 30 days late with the credit reporting agencies myself. I would like the false 2x 30days late removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy 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 2022-03-09 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: MI

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
In XXXX of XXXX my divorce was finalized and my ex-wife was awarded a vehicle in the agreement that she later in XXXX didn't want, stopped making payments on it and voluntary surrendered it even though both of our names were on the loan. There was over {$16000.00} still owed on the loan and now I'm being sued for the balance plus court fees and filing fees which is now around $ XXXX even though the vehicle was awarded to her in the divorce decree signed by the XXXX XXXX Clerks office . I had to seek legal council to represent me since the XXXX XXXX, who is suing me, stated she could not be located or served, even though I gave them her home address, work address, phone number and new maiden name. Before I acquired representation in XXXX of XXXX I was getting calls every other day to rectify the debt saying they were going to sue, maybe even liquidate assets or contact my company and put a garnish on my wages even though the automobile that had the debt on it was awarded to her which includes all debt involved with the vehicle, its in the divorce decree. I am now in a holding pattern with my lawyers and the lawyers representing XXXX XXXX. This has negatively impacted my credit enormously and caused me significant stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MI

Complaint narrative:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items and authorized inquiry, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items and authorized inquiry or have Equifax get back to me with regards to the issue. Here are the items and inquiries that concern me : XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Siggi LLC
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX I entered into an agreement with OMNI XXXX XXXX  for personal loan that required an allotment to be setup for payment and bank account information submitted for backup payment. 

On XX/XX/XXXX I learned that OMNI XXXX XXXX were potentially violating the Military Lending Act by doing this. 

This is still the method that they use today and I was never notified that it was not a requirement or not allowed in accordance with 10 U.S.C. 987 ( e ) ( 6 ). Also that having my bank account information for repayment was in violation of 15 U.S.C. 1693k ( 1 ). 

My loan was finally paid off on XX/XX/XXXX and I have stopped the allotment and now feel comfortable to report their practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/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 2022-03-09 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: MI

Complaint narrative:
I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2, a furnisher has a duty to provide accurate15 information to CRAs and a duty to conduct an investigation into the completeness and accuracy of the information furnished. An individual may assert a private cause of action for violations 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy 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 non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo continues to send the same response not answering any questions se ding valid proof of accounting records and book keeping. They remain in default and will remain in void untill litigation occurs. Your contract is null and void, and you have been paid for the account 5 times with tenders of payment and refuses to accept form of payment. They are committing fraud as described in the affidavit of truth please send this correspondence to your legal department I won't no further communication with Wells Fargo complaint department. Also please send over the lawyer contact information so he can be forwarded the legal documents

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