vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Four Directions Lending LLC
State: OH

Complaint narrative:
I applied for the loan, only needed {$200.00} but was given {$870.00}, there's no where to pay online, the email on their site does not work nor does their messaging service. I just want to pay back the {$870.00} as I don't need it anymore. If I want to the email I received says I have to pay the full {$15000.00} with finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to Equifax, XXXX, and XXXX credit bureaus and I have not received responses. None of the bureaus are following the laws to respond to me within the allowable timeframes. It has been over the 45 days since I sent my letters was supposed to received their investigation responses by now. This is causing me financial distress and keeping me from qualifying for a mortgage. I am deeply disappointed with the inconsistencies and plain incorrect information reflected and do not understand why it is taking so long for them to address. I demand that they immediately remove these accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: NC

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to XXXX, Experian, and XXXX credit bureaus and I have not received responses. None of the bureaus are following the laws to respond to me within the allowable timeframes. It has been over the 45 days since I sent my letters was supposed to received their investigation responses by now. This is causing me financial distress and keeping me from qualifying for a mortgage. I am deeply disappointed with the inconsistencies and plain incorrect information reflected and do not understand why it is taking so long for them to address. I demand that they immediately remove these accounts from my credit reports.

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 2022-01-09 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: LEXISNEXIS
State: GA

Complaint narrative:
I am the consumer, original creditor, and natural person. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), Lexis Nexis infringed upon my right to privacy by publishing alleged negative information from third parties on my consumer report and sold it to XXXX, XXXX, XXXX, and XXXX. 
Pursuant to 15 USC 1681b ( a ) ( 2 ), Lexis Nexis never received written instructions from me, nor does it have permissible purpose to furnish a consumer report about my alleged credit accounts with XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX. I also never provided Lexis Nexis with written instructions to furnish alleged inquiries on my consumer report for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I recently received a copy of my Experian, XXXX and XXXX consumer report and I noticed some accounts that should be EXCLUDED from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I have been trying to resolve my home loan for the last 3 years without result. I have paid extra on my loan for the past 11 years and was under the impression that I would have paid it off by now, but instead they have continued to surprise me by charging more and more each year. The previous lender filed for bankruptcy and beginning XX/XX/XXXX I noticed payments werent posting correctly. I have called and called and faxed and submitted online review requests multiple times with different answers each time. The current lender Shellpoint-division of Newrez has additionally added {$4500.00} on XX/XX/XXXX to my principal balance, supposed fees from Bankrupt fees. I have neither authorized or ever filed for bankruptcy in my life. Upon pressure I was told it was previous fees not posted correctly. I requested a payment history and review to which upon review has many years of payment history missing and has multiple prior service cost assess and unapplied payments on the ledger. I have called and been told to write a dispute and I have multiple times-on XX/XX/XXXX after review of paperwork received and finding of charges imposed without authorization I sent another request of review to what they returned the response that they had already sent a response and to refer to the letter dated XXXX. This is a nightmare and a never ending loop of payments after payments without end for almost 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: TX

Complaint narrative:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: TX

Complaint narrative:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.

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 2022-01-09 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: SC

Complaint narrative:
This Credit Reporting Agency is willfully violating the FCRA a multitude of times. They have no written permission from the consumer to furnish anything onto the consumer report. 15 usc 1681b. 

They have failed to send debt validation/Audit Trail. 

Im aware that they are using an automated system, such as XXXX to respond and are not investigating the issue in GOOD FAITH. 

15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency. 

Attachment below is PROOF that alleged debt is invalid because it was PAID!

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 2022-01-10 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: NC

Complaint narrative:
I called Transunion and XXXX, to let them know of unauthorized inquiries on my credit reports and asked them to remove these credit inquiries from my credit profile and they refused, so I sent letters asking them to look into this matter and to remove the inquiries but to date there have been no responses from the bureaus. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. These unauthorized inquiries are negatively affecting my credit standing and ability to obtain a mortgage.

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 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
USAA BANK CREDIT CARD still reports late 30 to 60 days on a card from XXXX and XXXX that is closed and will not clear from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX, Equifax and XXXX all have been grossly negligent in handling my accounts with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This situation is a big ball of confusion if you take a simple glance at the letters received from XXXX and XXXX. 
I have been damaged for years with this company on listed my consumer credit report, with the assistance of the consumer credit agencies. I have decided to take additional measures with this matter. I have asked for debt validation and most times XXXX XXXX XXXX would send me a copy of the negotiable instrument that I signed. In their reply they said they bought a defaulted loan. The credit agencies would continue to send their generic responses or nothing at all. UCC 3-603 is clear about the Tender of Payment and UCC 3-311 is clear about Accord and Satisfaction by use of instrument. I signed a negotiable instrument, if there is any problem, mail me the original note and application back. If not, I demand my account is updated, current, no missed payments and placed in a paid in full status. I have sent XXXX XXXX XXXX affidavits of fact that were not rebutted point for point, nor have they responded to any if my demands that they sign and swear that their statements are true under penalty of perjury. The most recent letter I received from XXXX XXXX dated XX/XX/2021, I was notifying me that they had sold, transferred or conveyed my account over to XXXX. In XX/XX/2021, I demanded that the CEO, Executive Director XXXX XXXX Validate the " alleged debt '' under penalty of perjury, instead his attorney, XXXX XXXX XXXX responded but still did not do as I demanded in my letter or affidavit. I also demanded in that letter that my information not be sold, transferred or conveyed to any other parties. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: GA

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) ( 4 ), Experian infringed upon my right to privacy by publishing alleged negative information from third parties on my consumer report. 
Pursuant to 15 USC 1681b ( a ) ( 2 ), Experian received written instructions from me, nor does it have permissible purpose to furnish a consumer report about my alleged credit accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also never provided Experian with written instructions to furnish alleged inquiries on my consumer report for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: KY

Complaint narrative:
I XXXX XXXX have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :

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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I recently received a copy of my XXXX, XXXX and Transunion consumer report and I noticed some accounts that should be EXCLUDED from my consumer report : XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX ( XXXX yrs, XXXX mos )

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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I recently received a copy of my XXXX, Equifax and XXXX consumer report and I noticed some accounts that should be EXCLUDED from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: SC

Complaint narrative:
This Credit Reporting Agency is willfully violating the FCRA a multitude of times. They have no written permission from the consumer to furnish anything onto the consumer report. 15 usc 1681b.

They have failed to send debt validation/Audit Trail.

Im aware that they are using an automated system, such as EOSCAR to respond and are not investigating the issue in GOOD FAITH.

15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency.

Attachment below is PROOF that alleged debt is invalid because it was PAID!

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 2022-01-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This Credit Reporting Agency is willfully violating the FCRA a multitude of times. They have no written permission from the consumer to furnish anything onto the consumer report. 15 usc 1681b. 

They have failed to send debt validation/Audit Trail. 

Im aware that they are using an automated system, such as XXXX to respond and are not investigating the issue in GOOD FAITH. 

15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency. 

Attachment below is PROOF that alleged debt is invalid because it was PAID!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

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 2022-01-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX GA XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXXXXXX XXXX XXXXXXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Name : XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Village Capital & Investment LLC
State: IN

Complaint narrative:
Village capital attempted at least 4 times to defraud me on a VA montage refinance they were violating the closing costs established by the department of veterans affairs, the origination fee established by the department of veterans affairs and charging me excessive fee for a point I shouldn't have had to pay for at all they attempted to finance my escrow into the loan or make me use it to pay down the loan they delayed closing due to incorrect information on the paperwork which was adding more interest I would be required to pay that is fraud and deliberate Village capital uses deceptive tactics against veterans the lender bragged about using the tactics against the consumers to me the lender was told by me the loan would be refinanced be another lender he then called me after I sent email to cancel refinance and was bullying me saying I would not found a lender better then him saying rates went up denying deceptive lending tactics the whole time on the phone his assistant didn't even pay attention to anything I told her or my financial institution told her regarding pay off amount by asking for 30 day payoff the lender was trying to force me to default on the loan and continue the delay causing more interest to build up they targeted me based on XXXX as I'm a XXXX veteran and that is my income even though I repeatedly told them I would provide all closing costs out of pocket not they the loan they village capital uses bullying and deceptive tactics to trick consumers into playing a higher loan amount and into accepting it thru fraud i informed them they wouldn't make the correct changes sent me incorrect paperwork 3 times and still incorrect over the phone they don't intend to correct they intend to defraud and they targeted protected classes of people who have federal protections

Company response to consumer: Closed with explanation