vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My complaint is about my personal information. I have contacted the credit bureaus several times about updating my personal information. Putting the correct address as Current and removing all other addresses that doesn't contain to me. 

They are not my addresses and I do not want to mix and merge my files or want the wrong information being sent to those addresses they have on file which I do not want no one to have any of my information because of all the scam and Fruad stuff that's going on. 

Please update my correct address on file and remove all others which they are not mine and never lived at those addresses. 

I also contacted the company by phone XX/XX/2022 as well as writing a letter like they told me and still haven't fixed the issue.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My complaint is about my personal information. I have contacted the credit bureaus several times about updating my personal information. Putting the correct address as Current and removing all other addresses that doesn't contain to me. 

They are not my addresses and I do not want to mix and merge my files or want the wrong information being sent to those addresses they have on file which I do not want no one to have any of my information because of all the scam and Fruad stuff that's going on. 

Please update my correct address on file and remove all others which they are not mine and never lived at those addresses. 

I also contacted the company by phone XX/XX/2022 as well as writing a letter like they told me and still haven't fixed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX. Account # XXXX, XXXX XXXX Account # 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 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
M & T Bank did a forbearance with me for 6 months. when it ended, I sent in my monthly payment, for XXXX, they send it back stating in order for me to keep my house, it would cost me XXXX in order to keep me house. Otherwise, they would start foreclosure. 
I am XXXX, have been in my house for nearly 30 years, I don't want to lose my house. 

I need some help 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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Roadrunner Account Services, LLC
State: IN

Complaint narrative:
on XX/XX/2022 I called roadrunner account services and i Spoke with XXXX XXXX Supervisor about a 30 day late payment for XXXX  and asked her to removed it because it was not reporting accurately the l was paid in full and was never 30 days late in XXXX which is reporting on my Credit report. Car sold to XXXX XXXX in XXXX see attachments so how was I late on this account in XXXX XXXX XXXX Supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I contacted the company to request the documents be sent to me to validate this debt and have yet to be sent any information. Then I contacted the cras XXXX and XXXX and reported the fraud. XXXX told me that it does not meet the guidelines. This account is not mine ALSO this account is 60 month terms that would have ended XX/XX/2021 but still reporting late payments. The balance continues to fluctuate going up and down. Last month XXXX they reported a {$310.00} payment due. This account is incorrect unfair and becoming a burden on my credit. Also the date opened, payment status, date last active, and date last reported are not the same. Under fcra guidelines I have the right to a fair and accurate credit file..Please remove this account from XXXX AND XXXX ASAP!

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 2022-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX mislead me to believe that I needed to help out XXXX XXXX, a friend that worked there, to secure a better rate on an auto. I went to the dealership and signed paperwork but was never shown the loan rate, mileage, cost of the add ons and the total price that I was financing. I trusted my friend and her boss XXXX XXXX. After signing paperwork on XX/XX/XXXX, I was not given copies. I called the dealership on Monday, XX/XX/XXXX to cancel the deal and they said they would try but I would lose my {$2000.00} down payment. On Wednesday, I went by dealership to check on progress and they wanted another {$750.00} to cancel the deal. At that time, I asked for copies of the paperwork and was given page 1 of the Retail Installment Contract. I have still not been given pages 2-5. I was also given the Bill of Sale. I also noticed that paperwork was dated XX/XX/XXXX and I signed XX/XX/XXXX. XXXX showed rate of 27.72 % with my XXXX credit score. The whole reason I went down there was to secure a better rate for my friend. Today, I will call the finance company Credit Acceptance and see if they will decline the loan because of the deceit and trickery used. I did not take possession of car and the dealership does not have trade in. Credit Acceptance said loan had not been processed. I asked rep to block loan but she was unable. I was going to pursue through usuary channels but found out the retail installment loan does not have same caps as usury laws in Florida. XXXX XXXX XXXX XXXX also told me they were purchasing car on Saturday evening through an auction site so it would have been impossible to know how much car was going to cost to input the figures into the contract. Basically after down payment and trade in the car should have been {$2500.00} but then the {$6400.00} of gap insurance and warranty increased sales price of car to {$8900.00} on bill of sale. The car was not {$8900.00}. The car was only {$5700.00}. So I am getting charged interest on all of the warranty and gap protection.

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 2022-08-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Considering recent investigations brough upon Equifax, I find that my consumer file is being irresponsibly tampered with. Congress made it clear that you the consumer reporting agency assumed this role to operate in fairness, impartiality, and respect my rights to privacy as a consumer pursuant 15 USC 1681a ( 3 ). Equifax was unfair, partial, and failed to respect my rights to privacy as the consumer pursuant 15 USC 1681a ( 4 ). I never instructed Equifax or any other Credit reporting agency to furnish my report or to even create an account on my behalf pursuant 15 USC 1681b ( 2 ). Again, you never had permissible purpose and I never consented to this report in the first place and the fact Equifax didn't exercise their grave responsibility

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 XXXXXXXX XXXX account was originally XXXX XXXX XXXX. It was removed previously for being inaccurate and was reinserted by XXXX XXXX. They violated my rights by doing so and also did not inform me or ask my permission to reinsert the account within 5 days in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Received a phone call at XXXXXXXX XXXX XXXX last night on my cell phone, from the following number : ( XXXX ) XXXX the caller ID said SWC Group XXXX It rang 4-6 times, then stopped. Did not leave any kind of message. When I dialed the number back, I got an automated message, that says Your call could not be completed as dialed. Please check the number and dial again. I looked up the name of this company online, on XXXX XXXX, as well as on XXXX, and found numerous complaints against it as a collection agency. I noticed that much of what they do collections for, is for things like utilities, education loans, etc. To my knowledge the things that they do collections for I have never been involved in, and any student loans that I have had, are 100 % paid off! 
I have gotten ahold of an attorney in regards to this, in an attempt to find out why theyve contacted me, and to get them to stop. I've even submitted a complaint form to the XXXX XXXX XXXX ( case ID # XXXX ) contacting this company by e-mail, with a cease-and-desist letter to get them to stop contacting me. I have absolutely no idea who this company is, and I have checked all my financial records, as well as credit reporting sites, and have absolutely no outstanding debt. As I stated before, the complaints have seen on XXXX XXXX, and elsewhere online or that they're trying to get people personal information, financial information, and have been accused of violating the FDCPA. 
I want it stated again, that to my knowledge, I have nothing, and I mean nothing in the way of any outstanding debt, and I want this company to not have ANY contact with me whatsoever!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX ACCT XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$5000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2022-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
iv called and tryed to fix this. However did not help these are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HomeTown Lenders, LLC
State: CA

Complaint narrative:
on XXXX XXXX I appied for loan with hometown lenders aka XXXX XXXX XXXX XXXX ... my loan for a mortgage was denied XXXX XXXX would not give me any other information other than I was denied ... I find it hard to believe I have a XXXX XXXX XXXX ... I believe I qualify for a usda or conventional loan..street home lending group XXXX XXXX, XXXXXXXX XXXX XXXX or XXXX XXXX acted in very bad faith I was wrongfully denied DISCRIMINATED... I am a single women person of XXXX and I qualified for a mortage for {$240000.00} with XXXX  ( XXXX XXXX ) XX/XX/2020...

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist 's website doesn't clearly display pending payments, so it's difficult to determine whether you've paid your mortgage. I accidentally paid mine twice this month because the pending transaction wasn't under " Upcoming Payments '' but rather under " Transfers from External Accounts '' which made me overdrawn on my checking account. This occurred even though I was using Truist to schedule the transaction ( e.g. I didn't use my bank 's Bill Pay option but rather I scheduled the transaction as an ACH directly with Truist itself ).

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 2022-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I financed XXXX product and was directed to TD Retail Card Services. I applied and got credit for my purchaseI was directed to set up XXXX portal to make payments etc. Payments are due on the XXXX if each month. If payment is late you incur a late fee. Their terminology is misleading because it states up to a certain amount. Its very confusing the wording in the contract and it wasnt until much searching I found TD retail card XXXX  is associated with TD bank, Im a XXXX  on a fixed income and my SSA payments arent deposited until second week of each month. This was very difficult to budget for as TD card services is not flexible in adjusting the due date. I explained situation to several CS reps who handle the myonlineaccount.net that they have set up, Ive had to incur multiple {$40.00} late fees because company is unreasonable and will not work with consumers. This is becoming a hardship because with outrageously high late fee its difficult to pay down balance. This company is unyielding and greedy and taking advantage of people struggling to pay bills. This company is not willing to work with consumers, theyre simply lining their own pockets with greedy practices. XXXX and other large companies use TD Bank. Buyer Beware

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
called XXXX XXXX on XX/XX/XXXX, to buy XXXX Car which my lease will end in XXXX, informed me will send contract to email which will include all remaining payments and residual.on XX/XX/XXXX got contract fill it and send it back on XXXX XXXX XXXX  paid {$130.00} fees. 
XX/XX/XXXX called to ask about contract lady told me you need to pay {$2400.00} told her its included in contract she said you have to pay it, ask her if i am late she told me DUE DATE IS XX/XX/XXXX, SO I SCHEDULED PAYMENT ON XXXX XXXX XXXX my lender informed me that XXXX reported me late and my credit fell XXXX points, escrow is off.on XX/XX/XXXX SINCE XXXX XXXX  TILL XX/XX/XXXX XXXX XXXX TRYING TO REACH A SUPERVISOR AFTER CALLING ALMOST 11 TIMES BUT NO HOPE, MY LIFE IS RUINED ALTHOUGH I HAVE XXXX CARS FROM XXXX FAILED TO GET ANYONE TO SOLVE MY ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: MN

Complaint narrative:
On XX/XX/2022 I requested to have, Continental Exchange Solutions , Inc. XXXX XE USA, exchange USD to JPY, I needed to send my supplier in XXXX XXXX Yen. 
The contract number for this exchange with XE is XXXX, On XX/XX/2033 I innated a wire from my bank XXXX XXXX to XE in the amount of {$37000.00}, on XX/XX/XXXX They confirmed receipt of my funds and on XX/XX/2022 they confirmed to me that the funds were sent to my Supplier in XXXX and the transaction was complete. 
-- I have had a many year relationship with my supplier and they do not worry about funds from our company, but on XX/XX/XXXX they contacted me to ask if I had sent payment, I sent them a copy of my confirmation from XE and they rechecked with their bank, the funds were never received. 
-- On the morning of XX/XX/XXXX I opened a case with XE, they have had my funds for XXXX weeks at this point with no indication to me that there were any issues. Due to the already extensive delay and holding of my funds I expected to have a fast resolution, I still have nothing but sideways talk from XE. The funds were sent to a supplier I have sent to many times in the past, XE has sent funds to the same supplier 7 times in the last year, the suppliers bank information is the same as it was the last 7 times. 
-- My number one priority is to find my funds and get them to my supplier, but inn addition Looking at other reviews on line, it seems that XE has a pattern of doing the same thing to many customers, I feel as thought I should receive interest payments on the money they have been holding

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$110.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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