vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I leased a XXXX XXXX from GM Financial made all payments on time and return truck on maturity date, Due to pandemic I had to purchase vehicle from out of state and dealership i purchased from drove new vehicle to my place of employment and drove my lease return back on XX/XX/XXXX. Approx. 2 months after lease I began to receive harassing phone calls from GM Financial stating i owned money for damage to vehicle that was not on vehicle when dealership picked up and inspected. When returned vehicle there was now damage anywhere and I had just installed 4 brand new tires and had vehicle detailed to ensure there would not be a problem. I asked them repeatedly to send me copy of report as I had pictures to show vehicle condition when dropped off. I also asked them why it took months for them to inspect and sell vehicle and what was price of sale of vehicle at auction as I am certain it was over residual value. GM never send bill but continued to rob call me at my employers number even though asked not to be contacted on that number on at least 5 occasions. Now I just received an alert on my credit that GM has submitted account to collections without sending me documents requested as I was disputing charges as they were fraudulently or may have occurred in the two months it took them to inspect vehicle in dealers possession. Their was also mileage charges that were approx. XXXX miles higher than when dealership took my lease back so evidentially either dealership or GM drove the vehicle somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: NY

Complaint narrative:
Im accordance with the fair credit reporting act XXXX XXXX  Original creditor : XXXX XXXX Account number XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX. 
Account number XXXX has violated my rights XXXXXXXX XXXX Account number 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 a 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 non-monetary relief
Consumer complaint received 2022-04-22 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:
I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I been back and forth with Experian over many inaccurate information on my report their investigation says it accurate when i call the creditor most cant even verify the information due to being over 7 yrs of age Experian keeps reporting inaccurate information causing financial hardship on me this compliant is my last attempts to have this correct without proceeding with legal actions against Experian and the creditors for hardship damage

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 2022-04-22 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:
I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.

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 2022-04-22 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: NY

Complaint narrative:
I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.

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 2022-04-22 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: NY

Complaint narrative:
Im accordance with the fair credit reporting act XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX has violated my rights XXXX XXXX  Account number 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 a 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 non-monetary relief
Consumer complaint received 2022-04-22 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: NY

Complaint narrative:
Im accordance with the fair credit reporting act XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX has violated my rights XXXX XXXX  Account number 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
In the past I have written to XXXX XXXX, XXXX XXXX, Department of Education, and the XXXX XXXX XXXX. In all my efforts to obtain resolution I have failed. I borrowed roughly {$10000.00} in XXXX loans from XXXX. I did rehabilitate my loans and have been paying for 28 years now. I have paid already more than {$28000.00}. I am almost finished. Yet, I am not finished with the fight. I was an incarcerated individual for a period exceeding 10 years. During that time I was sent many many bills from Sallie Mae which is now Navient. Though I was pushed into forbearance and financial hardship conditions, never was I told that I couldve applied for public service loan forgiveness as I was incarcerated and working the entire time. It would have been an impossibility to make payments and continue correspondence with the company. During incarceration there a long stretches where an individual makes anywhere from $ XXXX {$.00} an hour. It would take months just to buy a book of stamps. Though my life has completely changed and I have achieved a successful status Im still facing debt with the embattled Navient company. On the Internet I found terms that state, from federal student loan.org-the government will write off loans if the borrower is to be incarcerated for a period exceeding 10 years and the debts can be reinstated when the individual is released. I was never informed of this condition and my loans were sold from company to company before landing with Navient. I watched the interest to get capitalized and fees accrue while I remained helpless. I am confident there is more than just me that face this. And, it is an incredible burden to be faced with as soon as you step out of a long-term incarceration. I should like to see this group of people get some resolution where college debt is concerned. Currently, there is much talk about loan forgiveness and pause in payments, but no one talks about those who have paid the price and changed their lives. It has been personally, as if I am being punished forever and I dont think thats fair. Im confident that I am not alone. And I am also confident that no one has yet addressed this group of indebted folks. Please, take the time to look into this kind of situation and if you need any of my records I have saved everything. Feel free to contact me. Thank you for your time. I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: OH

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

15 U.S.C 1681 Section 604 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 a 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 2022-04-22 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: NY

Complaint narrative:
I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reached out and that's when I found out it was a medical bill and that is when I submitted information that I receive XXXX XXXX. I submitted proof. I have been under XXXX XXXX  all my life. I don't know this company that is asking me for some monies. I keep disputing these actions and equifax is just asking them is the info correct. Noone is running the proof sent by me to see the corrections that should be made here. Equifax is poorly judging this dispute. This company reported the same amount after I disputed it the first time with a different date. This is not right. It's a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX  account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

15 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX  account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

XXXX5 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My mortgage company is Shellpoint. I went into the forbearance plan with the Covid In XX/XX/2020. Since XXXX Ive been trying to get out of the forbearance and resume my payments, they send me a partial claim paperwork to sign fo the total amount XXXX. Since XXXX Ive been trying to sign the paperwork but they keep refusing to letting me know where my partial claim funds are going to be applied to. The only thing they keep telling me, you I didnt pay it on the front and when I finish paying the house to sell it I would pay it in the back. That attitude make me believe that they are just trying to keep the money and then apply to my account. My biggest fear is not me because I am an informed consumer and I keep fighting until I get what I know its right, but most people are not as feisty as I am and I will get that signed the papers and forget about it. I am sending these complain and ask him for a solution, not only for my own personal benefit but for the other people that might be in The same situation, I dont know how to go about it. This company has to be investigated, and I need some answers about my partial claim. I said certainly hope that you can help me to solve this situation. Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a home equity line of credit with Wells Fargo Bank. I owe about {$18000.00} on this loan. I recently had a salary increase and I'm trying to pay this loan down at an expedited rate. I find it best to make payments as money flows into my bank account, however, after making 3 payments in a calendar month, Wells Fargo will not allow me to make additional payments. In other words, I am trying to pay them what I owe, but they refuse to accept the payment. They claim I can pay additional payments but only if I have a Wels Fargo bank account, which I do not want or have. I have sent them messages via email and XXXX. I usually get a canned response like " We are looking into this '' but no other reply.

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 2022-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: CT

Complaint narrative:
I have paid off the loan terms, and I have not received my remaining balance. I havent received any communication from Self lender in regards to where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I requested validation on this alleged debt a day they continue to report it on my credit. I have not done or agreed to do any business with IC SYSTEMS nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. This is a direct and blatant violation of my rights under15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE IC SYSTEM ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY REPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Law Attached for reference 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 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mullooly Jeffrey Rooney & Flynn
State: NJ

Complaint narrative:
I have a letter dating back to XXXX of XXXX from a debt collector by the name of XXXX and after filing a complaint and sending a debt validation dispute letter back to the company they cease collection activity. Then, XXXX of XXXX I received another letter about the same debt from XXXX XXXX XXXX, and after disputing they cease communication about the alleged debt. In XXXX of XXXX I received another letter about the same debt from a law office by the name of XXXX, XXXX, XXXX XXXX XXXX attempting to collect on the same debt. I sent them another dispute and a Cease and Desist which they have now violated. These debt collectors have violated my PRIVACY RIGHTS, MY CONSUMER CREDIT RIGHTS, AND THE LAWS OF THE FDCPA. I never consented to my personal information being passed around or sold or shared with any of these THIRD-PARTY DEBT COLLECTOR AND ATTORNEY 'S. This is harassment and detrimental to my personal information. XXXX  XXXX XXXX was to issue a 1099C not sale my information to the HIGHEST BIDDER. I have no contractual obligation to none of these debt collectors. XXXX  XXXX XXXX violated the Truth in Lending act and never properly credited my account under 12CFR open ended credit plans. I DEMAND THIS INFRINGEMENT ON MY INTELLECTUAL PROPERTY CEASE IMMEDIATELY. I HAVE ALERTED THE FTC THE FDIC AND THE NEW YORK XXXX XXXX.

Company response to consumer: Closed with explanation