vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The XXXX XXXX  was repossessed on XX/XX/XXXX according to Capital One Finance. This repossession has been reporting on my credit report as a collection/ charge off. 
I first called them in XXXX asking for these documents and they told me that they didn't have the 1099-C because they hadn't written the debt off yet even though it's reporting as a charge off. 
I also asked for a copy of the Notices to sell and resell letters and they said they don't have that. 

I sent my first letter to them dated XX/XX/XXXX asking them for ; 1. the original contract with signatures on it. 
2. Audit trail. 
3. Auction Information 4. 1099C They responded with a account history and a unreadable copy of the contract. 
I called them on XX/XX/XXXX and asked for the same documents again and for them to include a readable ( Larger Copy ) of the original contract and was told they would send all the information. On XX/XX/XXXX I received a letter titled Confirmation of repossession. On XX/XX/XXXX I received a letter titled YOUR CREDIT BUREA REVIEW REQUEST, another one titled YOUR REQUESTED DOCUMENTS, EXPLANATION OF CALCULATIO OF DEFICIENCY, EXPLANATION OF CALCULATION OF DEFICIENCY WITH NO READABLE CONTRACT. I also followed up with my 2nd letter to them dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-05-24 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:
In accordance with the Fair Credit Reporting Act XXXX  Account below have violated my rights : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX Date opened : XX/XX/2018 XXXX U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 166b Timing of Payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-05-24 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account 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 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 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I do not owe a debt. If you answer the phone it disconnects. If they leave a voicemail and you call the number back it disconnects. After reading similar complaints this is a scam and they just won't stop the robocalling. This is getting very annoying and needs to be stopped. The message says : " This is receivables management partners LLC calling this call is from a debt collector please call us back at XXXX again the number is XXXX ''. Message left XX/XX/22 - XXXX The same message but with the phone number of XXXX on XX/XX/22 XXXX Same message from XXXX left XX/XX/22 XXXX Same message from XXXX left XX/XX/22 at XXXX Please let me know how to get this scammer to quit calling my cell phone number. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: CA

Complaint narrative:
I have a claim regarding 22 unauthorized transactions on my child support government bank debit card they XXXX  program thru XXXX XXXX. I've opened a police report and have provided and indicated statements reflecting all 22 unauthorized transactions totaling over {$1700.00}. These transactions are going thru merchants XXXX  gas stations and a XXXX convenient store located in XXXX  California XXXX This is a product of identity theft. I will assist in the investigation however, they, XXXX, are not doing anything about the claim to prove that there's transactions were NOT made by me. They believe it was me and this is certainly not true. I need assistance in reopening the claim and approving my claim so that my son 's monies are returned to him. I have no other recourse. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: CA

Complaint narrative:
I purchased Gap Insurance for my XXXX XXXX XXXX. My car was a total lost by XXXX insured : XXXX XXXX ( Claim number : XXXX ) Date of loss : XX/XX/XXXX Date of mailing : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX to submit salvage amount. XXXX has completed request last year. XXXX XXXX XXXX XXXX , XXXX has not made the adjustment to my credit report. They have the police report and has allowed the car to remain at the tow yard since XXXX. 

I can provide correspondence of me asking what next and schedule phone calls. XXXX XXXX XXXX XXXX , XXXX has not reached out. 

" Dear XXXX XXXX XXXX, XXXX : Per our conversation today XX/XX/XXXX I am confirming XXXX XXXX XXXX did `` not '' owner retain the XXXX XXXX XXXX Vin # XXXX. There was a Policy Limits issue. Our insured 's policy limits was a policy max of {$5000.00}. We did " not '' pick up the vehicle from XXXX XXXX XXXX. The settlement letter reflects a salvage amount, however XXXX XXXX did " not '' retain the vehicle, and XXXX did not salvage the vehicle. This vehicle was not picked up due to avoiding any of the {$5000.00} being reduced from CarMax 's amount. The max was paid to CarMax. No salvage was taken, I do understand it is listed in my breakdown, it is listed to show what the salvage " could have been '' only. 

Sincerely, XXXX XXXX Claims Team XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credova Holdings Inc
State: VA

Complaint narrative:
I made a payment of {$480.00} to pay off this {$510.00} loan. XX/XX/XXXX XXXX on the XXXX of XXXX XXXX on the XXXX of XXXX XXXX on the XXXX of XXXX. 

Total {$600.00}... The {$480.00}. was balance due. This company never sends emails, mail or phone calls... There call is for you to default. We had 90 no-interest. Not getting information on a due date, I missed the 90 day window. I overpaid with interest XXXX.. then for the next 7 months, I get referred to their collection side. They say now I owe {$45.00}. Again, we never got a phone call, email, text, mail or anything that there was a balance. They say they are FDIC. They are not. They are making money based on customers miss the 90 day window as I did.. I would have never used if I had to {$80.00} in interest. 

I received a phone call at the beginning of XX/XX/XXXX. From XXXX XXXX. They say they are part of Credova. I didn't know what this was.. After 7 months of no contact.. They say I am to log into their app and make sure I am up to date.. I have never downloaded their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am attempting to remove my pmi after 4+years with freedom mortgage. I am currently below the 78 % to have pmi removed. They will not do it without my paying more money to have an appraisal done by thier " 3rd party '' vendor or waiting another year.

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 2022-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account below have violated my rights : XXXX XXXX XXXX XXXX ( XXXX XXXXe XXXX XXXX ) Account # XXXX Date opened : XX/XX/2018 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 166b Timing of Payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-05-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account below have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Date opened : XX/XX/2018 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 166b Timing of Payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION deleted and blocked my XXXX XXXX  account. This was not my request. I requested for TRANSUNION to DELETE all late payments and UPDATED to PAID AS AGREED. After I submitted that complaint, the late payments were deleted. When TRANSUNION closed out the complaint, they deleted the whole XXXX XXXX account.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX i was informed via Email that a XXXXXXXX XXXX credit card account was past due and had several returned payments. I never authorized the opening of the account. i have XXXX XXXX XXXX loans and that all. This account was fraudulently opened and abused using my personal information. Im a victim of identity theft. my personal information is being sold online for fraud. this has been confirmand by dark web surveillance.

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 2022-05-24 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: NY

Complaint narrative:
Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus XXXX, XXXX, and Experian in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have contacted each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : 1 ) XXXX XXXX XXXX XXXX {$410.00} DATE : XX/XX/XXXX 2 ) XXXX XXXX {$470.00} XXXX 3 ) XXXX XXXX XXXX  {$710.00} DATE : XX/XX/XXXX 4 ) XXXX XXXX {$1000.00} XXXX 5 ) XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) {$38000.00} 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 2022-05-24 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: FL

Complaint narrative:
I sent a letter on XXXXXXXX XXXX to remove ; XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after theXXXXXXXX XXXX. Ive already included this in my previous Complaint # & I am including it again.,

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 2022-05-24 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:
I sent a letter on XXXX XXXX to remove ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after theXXXX XXXX. Ive already included this in my previous Complaint # & I am including it again.,

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 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Starting on XX/XX/XXXX there were unauthorized charges on my account with Chime. I live in Texas and the charges made are in XXXX XXXX, NV. Below I will be listing dates and amounts. 

XXXX XXXX- {$26.00} XXXX XXXX XXXX- {$13.00} XXXX XXXX XXXX XXXX XXXX- {$14.00} XXXX XXXX- {$86.00} XXXX XXXX- {$200.00} XXXX XXXX- {$11.00} XXXX XXXX XXXX- {$120.00} XXXX XXXX XXXX- {$41.00} XXXX XXXX- {$11.00} XXXX XXXX- {$11.00} XXXX XXXX XXXX XXXX XXXX- {$17.00} XXXX XXXX XXXX XXXX XXXX {$21.00} XXXX XXXX XXXX- {$9.00} XXXX XXXX- {$24.00} XXXX XXXX- {$22.00} These are all the charges that I did not authorize and Chime will not help me. I disputed them all and a day later they denied my claim. I spoke with another supervisor who said I provided more evidence for my claim and they denied it again. I have yet to receive documents showing me why they declined my claim and every time I talk to someone they say it can take up to ten business days. Can someone please help me with this unlawful bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: CO

Complaint narrative:
back n XXXX of 2020 i saw two accounts that i didnt open with XXXX XXXX bank and reached out to get it removed to no avail now said account is on my credit report still and has been charged off due to someone making purchase on accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never open a business account with Capital One i never own a business. And now i been charged XXXX. I have report identity theft and now submit this report this is hurting my life and my future for a business i didnt own and a account i never open.

Company response to consumer: Closed with explanation