vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: TX

Complaint narrative:
Audi Financial Services is trying to collect property tax, on a non-producing leased motor vehicle, leased by me and my business jointly as reported to the credit bureaus by them. 

Pursuant to XXXX  XXXX XXXX / XXXX XXXX / Part XXXX / XXXX  XXXX / Sub-chapter C / Rule XXXX which refers to XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, I strongly claim the application of the law, after submitting Form XXXX as described on paragraph XXXX ( Lessees Affidavit Motor Vehicle Use other than Production of Income sent to Audi Financial Services on XX/XX/XXXX. 
In Texas where I reside, and where the XXXX XXXX XXXX XXXX XXXX was contracted, Leased vehicles are not subject to property taxes unless they are used primarily to generate income. While Texas starts with the premise that all property is taxable, unless exempt by state or federal law, Texas exempts leased vehicles from property tax, unless they are used primarily to generate income. 
Texas does exempt leased vehicles that are not held for the primary purpose of income production by the lessee. These vehicles include passenger cars or trucks with a shipping weight of not more than XXXX pounds and leased for personal use. Personal use would mean using the vehicle for more than XXXX percent of its use ( based on mileage ) for activities that do not involve the production of income. The exemption applies only to vehicles subject to a lease entered on or after XXXX XXXX, XXXX. 
The law does not specify in any sense the type of lessee, and only mentions non-producing vehicle based on mileage like this this case is clearly qualified having just XXXX miles after more than XXXX years by my wife. 
On XX/XX/XXXX I received a telephone call by one of your customer service representatives days after I communicated the facts to Audi Financial Services, and she exposed a completely erroneous situation, with a lack of foundation and which is a breach to the law by the area handling this Affidavits. The lady on the phone exposed confirmed that the area did not have the Affidavit, since it was lost potentially, by them. She also exposed that in any case this vehicle was not subject to the exemption since the contract executed, by my business and myself was merely intended, as a benefit from the business to an XXXX. 
The later is completely non-sense, since the Texas XXXX XXXX addresses the vehicle and in no way limits a non-producing vehicle to the type of client. Therefore to qualify for the exemption, the XXXX XXXX XXXX could be leased by a business, and assigned for personal use as a benefit, or by an individual and used for personal purpose. 

Audi Financial Services is trying to collect the tax from the client after loosing the Affidavit I sent months ago, and after even offering them to replace it if they lost it since it looks they mishandled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/22 at XXXX XXXX, a buyer calling herself XXXX XXXX attempted to buy my camera from XXXX XXXX for {$800.00}. She wanted to pay through XXXX. She claimed to send the money and at XXXX XXXX  I received an error message from a fake XXXX account, noting that the {$800.00} could not be processed until I upgraded to business. The message said I could upgrade by accepting {$1000.00}. The buyer offered to pay the extra {$200.00} if I refunded her after receiving payment. She claimed to send the money and I received another email from the fake XXXX account notifying me that I had been upgraded to business and that the money went through. I sent her the {$200.00} at XXXX XXXX  before noticing that the money was not in my bank account. I ceased speaking to her at XXXX XXXX. At XXXX XXXX, I notified PNC Bank over my messaging app that I had been scammed and that I would like them to reverse the charge. PNC Bank responded at XXXX XXXX  that they could not reverse the charge because sending money over XXXX is like sending cash. I also chatted with PNC customer service and was informed that they could not reverse the charges and I am not entitled to any protections. Additionally, I emailed XXXX at XXXX XXXX  requesting that the charges be reversed, along with the most recent email from the fake XXXX account requesting more money. PNC responded that they could not look into my case. 

I reached out to XXXX on XX/XX/22 and was told that the charges could not be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX XXXX, XXXX : # XXXX XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-04 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-04 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: Mercedes Benz Financial Services
State: NC

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

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Elevate Recoveries, LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
On XX/XX/2022 i was contacted by a debt collector named Southwest credit syste, was insistently harassing me, yelling at me during calls when i simply told them by law they are not allowed to call me before XXXX XXXX since i work in XXXX  now, im no longer in eastern time .They violated my right consumer right since they called me before the legal time which is XXXX AM, in XXXX XXXX is central time which is one behind of XXXX XXXXime.In addition to that, they tried to collect a debt that already written off in taxes of the original company .By law any charged off debts sold to a collection agency, its a violation and illegal to charge off a debt then trying to retrieve the payment from it. Any charged off debts become a taxable income to me, therefore .Since the collection agency violated my consumer right, i request to delete the negative report from my credit file.Also i request to provide documents bearing my signature to validate if that account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: PA

Complaint narrative:
According to FCRA section 605B which details your responsibily to block fraudulent information on my credit report resulting from identity theft.

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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please Help! I recently received a notice from XXXX XXXX that I was denied of credit. I called them to inform them that I didn't apply for any line of credit with them. I told them that an inquiry was placed on my consumer files and I didn't authorize. I have already filed a FTC report Exhibit A and the company stated that they have verified my information and that they would not be removing this unauthorized inquiry. They stated that the address on my application matches my information as if someone who may know my address can't apply for a line of credit with my information.The things is they also stated in this letter that I received that they were unable to to verify the identity of the personal guarantor. Exhibit B. As stated before that I didn't authorize this inquiry or apply for a line of credit. Exhibit C & XXXX are letters I have sent to the company to inform them that I never authorized this inquiry and they continue to report this unauthorized inquiry on my consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CT

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I first ordered a clothing set from the XXXX x XXXX company in XX/XX/2020. Unknowingly, I was enrolled in a XXXX  account where I would be charged {$49.00} a month for a subscription. I attempted to cancel it but there is no clear way to do so. I contacted customer service when I receive XX/XX/2020 charge and was told I had to wait 90 days to cancel but if I logged into the website, accessed my profile, and then hit skip this month, I wouldnt be charged. I was charged XXXX times. I reached out again in XX/XX/2020 and was told there was no cancellation support due to the pandemic. I have contacted customer support for almost XXXX years now. I have to set a reminder to skip or in charged. Ive tried reversing it and filing a claim with my bank, but because I signed up they could not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

| 15 USC 1681 Section 604 A Section 2 : It also states consumer rep furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
waXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX works. I d gov so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back

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 2022-12-04 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: TX

Complaint narrative:
I have asked the 3 major credit agencies to verify the information on the accounts listed on the attached 2 letters. XXXX removed all the same accounts because the information could not be verified. TransUnion and XXXX have told me after multiple letters the information is verified, but will not send me any detailed information on each investigation. TransUnion and XXXX just ignore sending me what they are required to do.

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 2022-12-04 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 in a dispute letter on XX/XX/14/2022 and didn't receive the desired results. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report. No consent is Identity Theft. 

How are these items still on my report if I never gave any written consent for them to be on there?

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 2022-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
this debt is not mine this account was unauthorized to be used or opened be me. I did not give any third party access to open this account. the original creditor ( XXXX XXXX ) has been contacted before posted date XX/XX/XXXX and has failed to contact me with any resolution to this issue. as of XX/XX/XXXX no updates has been made no contact from original creditor. 

account # : xxxx xxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: PA

Complaint narrative:
According to FCRA section 605B which details your responsibily to block fraudulent information on my credit report resulting from identity theft.

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 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fraud was reported to the Account on XX/XX/XXXX at approximately XXXX. On XX/XX/XXXX ( the same day ) Capital One determined quote believe you or another account user benefited from the transactions which could not be farther from the truth. 
As I explained to the multiple representatives I spoke with, I have a proven track record of paying my account in full and on time. I have never missed a payment. Why would I all of the sudden have bounced payments and charge up a $ XXXX balance on a card with a XXXX limit? 
I am not benefiting from this because it is affecting my credit report and Im being liable for charges that I did not approve. 
Capital One advertises a XXXX XXXX XXXX program yet doesnt even look into a fraud report for more than 24 hours from a valuable customer who has a PROVEN track record of responsible credit use and timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: GA

Complaint narrative:
Upon taking a closer look at Consumer Reports I've realized that there are inaccuracies reporting that's damaging my credit worthiness and hindering my ability to be able to adequately provide for my family. XXXX XXXX XXXX account has been consolidated and been paid in full of a XXXX balance. However, it's also reporting that I have a 90-day late payment on multiple accounts with them which is inaccurate. I got the Loan in 2009 and has never made a late payment. My loans were also in forbearance the time frame that those inaccurate derogatory missed payment were furnished. I reached out to in reference to the matter and they mailed me a correspondence stating account was paid in full they have not record of payment history because the account was closed and paid off. I uploaded documents if you could please do what's fair and equitable to me as a consumer and reinvestigate, remove and or update the accounts in questions.

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 2022-12-04 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: GA

Complaint narrative:
Upon taking a closer look at Consumer Reports I've realized that there are inaccuracies reporting that's damaging my credit worthiness and hindering my ability to be able to adequately provide for my family. XXXX XXXX XXXX  account has been consolidated and been paid in full of a XXXX balance. However, it's also reporting that I have a 90-day late payment on multiple accounts with them which is inaccurate. I got the Loan in 2009 and has never made a late payment. My loans were also in forbearance the time frame that those inaccurate derogatory missed payment were furnished. I reached out to in reference to the matter and they mailed me a correspondence stating account was paid in full they have not record of payment history because the account was closed and paid off. I uploaded documents if you could please do what's fair and equitable to me as a consumer and reinvestigate, remove and or update the accounts in questions.

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