vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dealer License Number : XXXX I went into dealership to pick up my new vehicle and to trade in my other vehicle went through all the paperwork and numbers and it all looked good. come to find out later after looking at paperwork numbers were changed and moved around to give me a higher payment and in doing so, I also received a higher APR on my auto loan. After reading my loan paperwork and running the numbers I found that the dealership kept {$31000.00} of my {$54000.00} down payment as well as my {$1500.00} Deposit. That being said as you will find in my statement below the dealership has made multiple violations in consumer law and i am requesting that things be made right according to all UCC, USC and CFR codes that have been violated on behalf of me as a consumer. 


As the law of Consumer Credit Transactions states, it is a direct violation of Consumer Law to form a contract without the Sum of all charges which is first violation in my loan as there are undefined charges as in the sum of all charge 's requirement was not met as well as the dealership keeping {$31000.00} in down payment for themselves and not placing on the overall down payment of the vehicle loan. With this being said there are multiple violations according to the Consumer laws in which I as a consumer am supposed to be protected against. That being said per violation of the consumer law I am requesting that I be reimburse the full amount of my down payment as well as {$1000.00} per violation and to keep property as well as my credit be fixed and all or any said delinquent marks be removed and noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
The Last Time before XX/XX/XXXX that I took out a payday loan with them was in XXXX. XXXX was going on. So, on XX/XX/XXXX I ran into a little financial trouble and put in online for a payday loan. It was approved. Only problem was they had my old banking information. On an XXXX XXXX Account that's been closed since XX/XX/XXXX. They had an option to add a debit card. But, none to change the banking information. So, I added my debit card. Thinking the funds would be deposited there. Then no funds were deposited on the Card and XXXX XXXX said. They never would get the funds because with the account being closed. It would reverse ACH back to XXXX XXXX. I called XXXX XXXX on XXXX XXXX to inform them. They agreed to what XXXX XXXX Said. Then on XX/XX/XXXX. Early XXXX XXXX. in the morning they debited my Card for {$240.00}. The {$200.00} That I never received. Plus {$40.00} interest on funds never received. Then I called in XXXX  times. The Customer Service Reps were rude. The last one claimed her Supervisor said that the Bank Statement from the closed account showing closed. Where no deposit could be made. Because, it was closed was not good enough. Sir, Ma'am I'm XXXX and on a fixed income. These folks are being very preditory and thievish. They're robbing people without a XXXX. I need my {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
As of XX/XX/2020 XXXX and TransUnion has not reported on 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I'm XXXX XXXX and I need your help in reaching this company, I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is an serious matter, it is affecting my life, my mental health and my credit score. I did not and never have I let anyone use my name, date of birth, and any other personal information. They need to figure out who established the account in my name and give those details to them rather then myself. Please help me resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I'm trying to purchase a house andI realized my account information has not been changed nor updated to correct information. FICo score and Credit Score was not updated along with balance and correct information making it hard for me to purchase loan or mortgage loan.

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 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Brightfunders, LLC
State: TX

Complaint narrative:
Began loan process in XXXX with XXXX XXXX AMSW Lending. She didn't lock in the rate. She requested and received all the paperwork required to begin the process. Money was requested and received by ASMW. XXXX failed to inform me of any difficulties with the loan but continued to ask for additional money. There was no communication with her after repeated phone calls, texts, and emails. In XXXX XXXX XXXX took over my application and we basically had to begin the process all over again. Requesting the same paperwork and additional funds from us to close on our house. We submitted the paperwork and funds that were requested. We had to buy down the interest rate because they failed to lock in a lower rate. We were delayed several times on the closing because they asked for more information and more money. When we were finally given a closing date after XXXX on XXXX, XX/XX/XXXX to close on XXXX, XX/XX/XXXX. XXXX paperwork should have been sent 3 days prior to closing and that didn't happen. During the closing process we were informed that our first payment would be due on XX/XX/XXXX, less than 30 days from close. We questioned whether or not there was a mistake and the closing officer ( XXXX XXXX ) asked me to call the loan officer ( XXXX XXXX ) to confirm or correct the information. I placed the call in the presence of the closing agents and I was told by XXXX XXXX that if I wanted the due date changed that I would have to give her an additional {$2100.00}. She went on to say that she knew I couldn't do that because ASMW had taken all the money from our accounts. We had no choice but to sign the paperwork or start the process over again. This company is disreputable and the entire process was done in a unprofessional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting 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:
I am writing to dispute fraudulent inquiries on my credit report, which I firmly believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ), a federal law designed to ensure the accuracy and fairness of credit reporting. Upon reviewing my credit report, I have identified several unauthorized inquiries that I did not authorize or consent to. 
The FCRA, under Section 604, grants consumers the right to receive disclosure of information in their credit files upon request. As such, I am formally requesting a complete and accurate disclosure of all the information in my credit file, including the nature and details of the fraudulent inquiries, as required by Section 609 ( a ) of the FCRA.

Furthermore, Section 611 of the FCRA allows consumers to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and requesting a thorough investigation into the fraudulent inquiries in question.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand that you promptly conduct a diligent investigation into the legitimacy of these inquiries. This investigation should include verification of the authorization obtained from me or any other appropriate documentation proving the legitimacy of these inquiries.

In accordance with Section 611 ( a ) ( 1 ) ( B ), I request that, upon verification of these inquiries ' fraudulent nature, you remove them from my credit report immediately. Additionally, I expect you to notify all three major credit bureaus, namely XXXX, XXXX, and TransUnion, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. 
I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ).

Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.

I have enclosed a copy of my credit report with the suspicious inquiries highlighted for your reference. If any additional information or documents are required to facilitate the investigation, please inform me promptly.

I trust that you will handle this dispute with the utmost seriousness and in strict adherence to the provisions of the FCRA. I expect a comprehensive investigation and a swift resolution to correct my credit report accurately.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute fraudulent inquiries on my credit report, which I firmly believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ), a federal law designed to ensure the accuracy and fairness of credit reporting. Upon reviewing my credit report, I have identified several unauthorized inquiries that I did not authorize or consent to. 
The FCRA, under Section 604, grants consumers the right to receive disclosure of information in their credit files upon request. As such, I am formally requesting a complete and accurate disclosure of all the information in my credit file, including the nature and details of the fraudulent inquiries, as required by Section 609 ( a ) of the FCRA.

Furthermore, Section 611 of the FCRA allows consumers to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and requesting a thorough investigation into the fraudulent inquiries in question.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand that you promptly conduct a diligent investigation into the legitimacy of these inquiries. This investigation should include verification of the authorization obtained from me or any other appropriate documentation proving the legitimacy of these inquiries.

In accordance with Section 611 ( a ) ( 1 ) ( B ), I request that, upon verification of these inquiries ' fraudulent nature, you remove them from my credit report immediately. Additionally, I expect you to notify all three major credit bureaus, namely Equifax, XXXX, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. 
I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ).

Please be advised that any failure to comply with the FCRA 's provisions

may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.

I have enclosed a copy of my credit report with the suspicious inquiries highlighted for your reference. If any additional information or documents are required to facilitate the investigation, please inform me promptly.

I trust that you will handle this dispute with the utmost seriousness and in strict adherence to the provisions of the FCRA. I expect a comprehensive investigation and a swift resolution to correct my credit report accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
requested debt vaiidation from XXXX of wthis year, all payments was to stop until i get my information requested, but they still billed me which is a violation of the comsumer law. they have ignored my notarized letters requesting this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I am writing to follow up on my recent dispute with an ID XXXX regarding unauthorized and inaccurate inquiry on my credit report that was submitted last XX/XX/2023 that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiry from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/2022, I selected to setup Autopay for minimum payment. XXXX Bank system configurations disregarded my selection and replaced it with pay statement balance. In XX/XX/2022, the electronic payment was executed, and funds were taken from my account. Not only were funds deducted from my bank account, derogatory information was reported to all three credit bureaus. 

I contacted XXXX to correct the error. Synchrony processes would not correct the matter immediately ; therefore, I requested a stop payment against the electronic payment. Later, XXXX sent a check which made things more complicated. After this transaction, statements showed my balance to be {$11000.00}. In addition, credit reports reflected that I exceeded my credit limit of $ XXXX, which resulted in my credit score dropping drastically. 

Still today, they are reporting the incorrect high credit balance on all three credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX XXXX I selected to setup Autopay for minimum payment. XXXX XXXX  system configurations disregarded my selection and replaced it with pay statement balance. In XX/XX/2022, the electronic payment was executed, and funds were taken from my account. Not only were funds deducted from my bank account, derogatory information was reported to all three credit bureaus. 

I contacted XXXX to correct the error. XXXX processes would not correct the matter immediately ; therefore, I requested a stop payment against the electronic payment. Later, XXXX sent a check which made things more complicated. After this transaction, statements showed my balance to be {$11000.00}. In addition, credit reports reflected that I exceeded my credit limit of $ XXXX, which resulted in my credit score dropping drastically. 

Still today, they are reporting the incorrect high credit balance on all three credit reports.

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 2023-11-06 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: Nelnet, Inc.
State: MA

Complaint narrative:
The following is an email I sent to XXXX and contains a description of the issues I have been attempting to have resolved : " I was transferred to Nelnet for GLBS and when interest resumed XXXX I Enrolled in auto debit ( XX/XX/XXXX ). An administrative forbearance was applied and I was told through a letter in my Nelnet inbox that there was no action needed. 

During the beginning of XXXX I decided to make a supplementary payment toward my loans of XX/XX/XXXX of {$230.00} ( Confirmation XXXX ). 

On XX/XX/XXXX I received a message in my nelnet inbox that my " financial institution was unable to process the transaction ''. 

I decided to re-enter my payment information and created " checking 2 '' and used this method to make a payment of {$500.00} on XX/XX/XXXX ( confirmation XXXX ). 

On XXXX I received an email from Nelnet stating that my payment from the XXXX was returned due to " Insufficient funds ''. 

After a phone call with the bank and a look at my account it became clear that there was never a time in XXXX or XXXX that my account was insufficiently funded to make these payments. Not only that but they informed me that there had not been any requests for payment from nelnet. 

I called Nelnet customer service and after a 3 hour wait, they informed me that there was no way to confirm the account or routing number that the Nelnet system was attempting to use to collect payment. 

Today I Input my bank information on the Nelnet website again and made 2 more payments but I'm being told that my missed payment will affect my credit. 

I feel as the borrower I have fulfilled every reasonable obligation to make payments and it is unacceptable for my credit to be affected by a fault in the Nelnet payment system. 

Please advise on a course of action to correct this error. 

Account : XXXX '' I received and automated response to this email which read : Thank you for your email. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). We apologize that we arent able to answer your individual email, but we believe that one of these options may be the fastest way to answer your question : '' Below the phone number that I had already called was listed. Before sending the above email I had spent 3 hours on hold only to be told to send an email to XXXX. I other words, I was being sent in circles from one brach of Customer service to the other with neither willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

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