vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I WANT TO GET ME AND MY CHILD A PLACE TO STAY AND I REALIZED THAT I HAVE DAMAGES ON MY CREDIT REPORT AND ACCORDING TO THE 15 U.S.C 1681 LAW THERE SHOULD NOT BE ANY FDAMAGES ON MY CREDIT REPORT THAT IS A DEFIMATION TO MY CHARACTER

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 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC # XXXX THIS INSTITUTION IS REPORTING NEGATIVELY ON MY CREDIT REPORT! 
I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGHNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: OH

Complaint narrative:
I have multiple degrees and multiple loan groupings. I applied early to the XXXX program in XX/XX/XXXX and was confirmed by XXXX that all would be eligible for XXXX. Nelnet has kept my professional loans separate in standard repayment, despite my grace period ending XX/XX/XXXX. They have the loans marked due in XXXX and telling me that these loans will not be processed under the XXXX program until then, and that I will be responsible for the interest accumulating daily on these loans while they take the time to process. They are clearly not equipped to be servicing these loans. I have called XX/XX/XXXX, on hold for an hour and told these loans would be on XXXX by the end of XXXX. XXXX on hold for XXXX minutes and didn't get to talk to a servicer. I have sent multiple emails as well. XX/XX/XXXX, XXXX -- on hold for XXXX hours only to be told they are going to need XXXX extra days to process the application that was submitted in XX/XX/XXXX, and that I would owe interest because of their incapabilities. I made an online payment of XXXX $ on XX/XX/XXXX with the special instructions that they go towards my professional loan interest only ( AL, AM, AN ), but of course they applied it to the incorrect loans that were already in XXXX and should not have been paid. They make themselves unavailable for it to be corrected on the phone. I dont have XXXX hours to wait on hold. I have to work during business hours when they are actually open and I have my daughter to take care of at night. Every time I call in and actually do get to talk to someone after hours, nobody knows what's going on and somehow I am the expert on the loan statuses, explaining to them what the issue is. Clearly they have no interest in processing the application so they can continue collecting interest that should no longer be accumulating. They need to be held accountable for their ineptitude and wrongdoing. They are preventing access to knowledgeable servicers who can actually answer what is going on with the loans, hoping people will give up when they can't get through.. I spent years in school so that I could be helping patients, and instead of opportunities to refine my clinical skills I'm spending my time off on hold for hours because of this shady loan servicer. Shame on Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My complaint is in reference to the immediate removal of late payment entries from my Equifax credit report as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). According to the FCRA, late payments should not be reported as negative information. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. I believe these late payments are the result of a clerical error or misunderstanding. Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to change these erroneous late payments to update to paid as agreed never late or deletion of the late payment ratings. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made. 

Equifax has violated my rights by under 15 USC 1681 by reporting the following late payments on my consumer report : XXXX XXXX XXXX  : # XXXX XX/XX/XXXX, 30 days late, XXXX XXXX # XXXX XX/XX/XXXX XXXX days late, XXXX 30 days late XXXX XXXX  XXXX XXXX XXXX days late, XXXX days late, XXXX days XXXX days late XXXX  XXXX  # XXXX XX/XX/XXXX 30 days late XXXX XXXX  # XXXX XXXX days XXXX 30 days late XXXX XXXX  # XXXX days late, XXXX days late, XXXX days late XXXX  XXXX XXXX XXXX # XXXX days XXXX days late XXXX XXXX  XXXX  # XXXX XXXX XXXX days XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late, XXXX days late, XXXX days late XXXX Mortgage XXXX XXXX # XXXX XXXX days XXXX days late, XXXX days XXXX days late, XXXX XXXX XXXX XXXX XXXX days XXXX days late, XXXX days late, XXXX days late XXXX XXXX XXXX # XXXX XXXX of the following dates are showing a rating of 30 days late : XX/XX/XXXX, XXXX The following dates are showing a rating of 60 days XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  # XXXX XXXX days late, XXXX days late, XXXX days late XXXX # XXXX XXXX days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX or XXXX of 2023, BMO reduced my credit line from {$10000.00} to {$2000.00} without providing any kind of notice or reason. As a result, I would like to close my BMO credit card account and BMO checking accounts, but so far have been unable to do so.

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 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have no knowledge of these hard inquiries. The hard inquiries are result of identity theft and must be removed within four business days as per 15 usc 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Nelnet has not processed my SAVE application, which was submitted to them by the DOE on XX/XX/2023. I have confirmation from the DOE that Nelnet is my service provider, but Nelnet has made no progress on my application, and insists that I do not have an application filed with them. 

On XX/XX/2023, Nelnet sent me an account update telling me that my account was in administrative forbearance, and that I was not required to submit any payment during that time. The message had no end date, and no message of loan payment activation was sent after the message of administrative forbearance was sent. It was my understanding that, as of XX/XX/2023, my account was in forbearance and did not require repayment. My account on Nelnet 's website has no record of this message -- in fact, I have no messages in my account inbox except for my statements. 

On XX/XX/2023, I received a message from Nelnet telling me that my account was past due, and that I owed twXXXX months ' worth of bills, totaling over XXXX dollars. That bill includes both the month of XXXX and XXXX, even after the account was supposedly put in forbearance. 

I have been unable to contact Nelnet on this subject outside of automated voice messages. Their hours are incompatible with teaching hours, and their call centers have an average wait time of 2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently filed a complaint in XXXX of XXXX to no avail. I still can not access my consumer credit report on the Equifax XXXX They have continued to request that I mail and upload verifying documents such as mail, photo ID, social security card and other personal identification documents. This has been requested and sent over XXXX times in XXXX years. Since then I have noticed an increasing amount of inquiries, new accounts and phone calls from companies to verify my information for credit purposes. The website since XXXX has stopped showing me my credit report. I have requested my report by mail several times only to never receive it. The only way since XXXX that I have retrieved a copy of my report is by going to the XXXX office and paying for one in person. I believe there is something wrong with their mail and upload system. These faulty practices is what must have contributed to the data breach that I was a victim to during their scandalous breach. 

Equifax does not protect consumers information and is violating my consumer rights by not providing me with my report while charging me for the report and never releasing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: Credit Karma, LLC
State: CA

Complaint narrative:
Some one has taken out car loans in my name as well as auto insurance under my information but says the drivers name is someone totally different and has XXXX cars XXXX payed for and XXXX not with my name involved on my equafax credit report when I don't even know the individual also I have never received my covid money that was applied for and never received XXXX XXXX tax money when applied for it it tells me I need to contact someone else. I am also not being able to get on credit karma to check credit scores it denied me saying the information did not match. I am refused by IRS and they won't let me speak with them over the phone saying my information don't match and then they hang up their phones on me. Some one also had a car wreck and has used my name at the jail house saying they were me using my information now I been having trouble with the law in XXXX XXXX for breaking and entering and want me to go to court over these things ... im so confused I need someone's help badly to clear this XXXX up. I don't want to be doing time in jail for things I've never done. I have not been in XXXX XXXX but the information on the male driver who has auto insurance in my name as well as all my information lives in XXXX California because I looked the name up and this male lives in XXXX XXXX where XXXX resides.in. please help me connect the dots. I don't like what's happening with my money my information nor the foul things this person is doing to ruin my life. I need help please I'm begging u.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: CA

Complaint narrative:
Some one has taken out car loans in my name as well as auto insurance under my information but says the drivers name is someone totally different and has XXXX cars XXXX payed for and XXXX not with my name involved on my equafax credit report when I don't even know the individual also I have never received my covid money that was applied for and never received n e tax money when applied for it it tells me I need to contact someone else. I am also not being able to get on credit karma to check credit scores it denied me saying the information did not match. I am refused by IRS and they won't let me speak with them over the phone saying my information don't match and then they hang up their phones on me. Some one also had a car wreck and has used my name at the jail house saying they were me using my information now I been having trouble with the law in XXXX XXXX for breaking and entering and want me to go to court over these things ... im so confused I need someone's help badly to clear this XXXX up. I don't want to be doing time in jail for things I've never done. I have not been in XXXX XXXX but the information on the male driver who has auto insurance in my name as well as all my information lives in XXXX XXXX  because I looked the name up and this male lives in XXXX XXXX where XXXX resides.in. please help me connect the dots. I don't like what's happening with my money my information nor the foul things this person is doing to ruin my life. I need help please I'm begging u.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Received a credit card statement in the mail dated XX/XX/2023 from Wells Fargo Bank , N.A . Statement has a balance of {$0.00} and a credit limit of {$5000.00}. I did not apply for this credit card. This credit card account does not currently show up on my credit report through 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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
About a week ago, today is XX/XX/XXXX, I applied to XXXX  to purchase a vehichle online. I could not complete the aplication because XXXX  said that experian for some reason was not verifying my identity and was preventing a soft pull on my credit report this was last Saturday because I tried to talk with a human but none was available. The following Monday at the end off the day I talked with two customer service representatives at two different times throughout the day, they said to me that there was nothing blocking a soft pull and everything should be fine. But that isn't true because XXXX  still could not verify my identity or do a soft pull. So i waited a few days and tried again where as I encountered the same problems on the aplication so I ended up calling experian again and was told the same thing that everything was fine. The guy that I spoke to at experian even made a statement that XXXX  is basically lying and that they did not want to sell me a vehichle! I find it sort of strange because when I would sighn into the experian website I would have a notification stating that my report was not available because my lenders probably had information on file that differed from information experian had on file for me. I also tried financing a vehichle through XXXX XXXX  but had issues of the same kind as XXXX. There is something weird going on here with experian because less then a month ago there was a social security number being reported on my experian credit report that wasn't even mine!

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 2023-12-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following hard inquiries appear on my Experian Credit Report. I demand immediate removal. 
I demand under the Fair Credit Reporting Act ( FCRA ) Section 604 : 1. Permissible purpose 2/ My WRITTEN authorization 3. Proof that I personally initiated the inquiry Under 15 USC Section 623 Experian has 30 days to do a reasonable inquiry into this matter. Either provide me strict proof or DELETE the items immediately. If you do not delete the following inquiries within 15 days, I will take legal action. 

DELETE THE FOLLOWING UNAUTHORIZED HARD INQUIRIES : 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 explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was signing up for Experian XXXX to hopefully raise my credit score. They kept asking for names of other financial institutions where I have accounts. I gave them access to XXXX XXXX XXXX, and they omitted XXXX accounts that have {$60000.00} dollars in them.

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 2023-12-09 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I recently checked my credit report and noticed some unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: KY

Complaint narrative:
I am on active Military duty, and I canceled the card used in my gym membership since I wouldnt be home and now I am XXXX $ in debt to a gym membership I was not even home to use or have a card for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased a vehicle from US Auto Sales in XX/XX/XXXX. The first 2 months I had no issues. So, I went to try and trade my car in because US Auto Sales wanted nothing to do with me once I purchased my vehicle. If i was not calling about making a payment, they were very dismissive. I ended up taking my car to XXXX and XXXX and they stated they wouldn't be able to take the car without $ XXXX or better because the car has so much negative equity. I showed my contract that I had with US Auto Sales and almost everyone said the exact the same thing. When informed, I was overpriced and my payments are excessive, I immediately called US Auto Sales. Again, I was dismissed and actually hung up on a few times. I've always said after that experience I would NEVER refer ANYONE to them. The times I would make my payment, my car would beep and then be off by the next morning. They've turned my car off on me at gas stations, work, doctors appointments, and i wasn't even past due just a " system error '' on their end. It was always something with them. And here they are now facing a lawsuit. WELL DESERVED! I knew something was not right about them, but they were literally the only company that approved me, when I was in XXXX need of a car. They prey on vulnerable individual 's. {$480.00} sometimes when i would call it would be {$590.00} A MONTH for a XXXX XXXX XXXX and was priced for {$23000.00}. If I knew THEN, what I know now I wouldn't be filing a complaint. Thank you all for taking action against this company, I'm grateful for that alone, clearly they've been doing this for a very long time.

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