vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I entered into a lease with Chrysler Capital after the appropriate process was completed at my local XXXX  XXXX, XXXX dealer. They informed me that I would not owe anything for the first month or two. The dealership, despite having my license, telephone # and address filled out correctly BY ME, supplied the 1. Wrong phone number to Chrysler Capital 2. The Wrong Address, and 3. Supplied them with NO EMAIL. I tried to log into Chrysler Capital after not receiving any correspondence fro leasor but was unable to do so as I did not even have my account number. I was notified of a credit change and immediately called Chrysler Capital and they NOTED it was their mistakes that led to this delinquent reporting as they verified NO correspondence was sent to me via email, phone, or mail. They told me I had to contact the credit bureau 's to rectify, which I did, but this still remains as an adverse event that was not of my fault. I am current on ALL payments with every institution I am involved with. This adverse event is unjustified as I had done my due diligence in filling out correct information MULTIPLE times at dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
This is my second attempt with CFPB for issues with Navient. My student loan payments were increased when my loan was transferred from Sallie Mae to Navient. I complained on multiple occasions, but have not been able to get Navient to talk to me, they just laugh it away, literally. 

When CFPB contacted them on my behalf, they simply say they don't know me ... I pay them every month. REALLY!! you take my money every month and still say you don't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: NC

Complaint narrative:
Applied for a loan online to finance some household appliances. In the initial process, I was asked how frequently I get paid as well as debit card info. Once I get to the store to purchase appliances, I find out that the account was set up on weekly payments being drafted out of my checking account, none of which was authorized at this point. We also find out that we would not be receiving the documents in person, but rather through XXXX. In signing the documents, we were then told that there was two options on payment amount, one being for {$62.00} or option two at {$56.00} per week. The {$56.00} payment was without a limited waiver thing, to which we declined. The lady then told us we didn't have that option and I must sign to continue with paperwork. However on my contract it does present as an option. Also stated in the paperwork, is that the first payment would NOT be drafted until XX/XX/XXXX. The lady at store told us payments would be drafted on Fridays starting in XXXX. I called the customer service last night to try and change the payment due date from Friday to Saturday and found out ... they had a payment scheduled to come out XX/XX/XXXX, which is a Wednesday and XX/XX/XXXX is also a Wednesday. In calling customer service we found out the payment was set to come out in XXXX, which I knew nothing about because according to my contract sent to me via email, my payments wouldn't start till XXXX ( Still not on the day I was told in store ). In applying for the credit line, I also was never given an option on how to make payments or how often they would be due. The authorize things on their end NOT authorized by the consumer paying. XX/XX/XXXX I logged into the account online and found that they are planning on now taking a payment XX/XX/XXXX which is NOT authorized either. As stated on my contract first payment is not set to come out till XXXX. I also researched the company to find 606 complaints on the XXXX XXXX XXXX site of customers with the same complaints. I also read in the complaints that they will take random payments and as many payments as they want. As of right now I have NOT authorized anything to be drafted out of my account for the month of XXXX. Please advise what I can do about this and how to handle my bank to make sure I do not incur over draft fees because of a company who is getting away with taking payments UNAUTHROIZED out of consumer accounts. I also have documents supporting my claims. Also none of the information that was on my contract matched anything they had in their computer. We had to have them change the information from their computer to match the contract that I signed and was emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Aargon Agency, Inc.
State: TN

Complaint narrative:
I have two problematic issues with my credit there are 2 inaccurate things on my credit. 

1. Aargon Agency shows on XXXX & XXXX that {$200.00} is owed. This is NOT my account. 
XXXX. XXXX XXXX shows on XXXX XXXX XXXX that {$480.00} this account goes away then pops back on to credit profile with a different account number.

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 2021-02-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful XXXX. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have reached out to Experian on several occasions regarding XXXX credit. This company has reported inaccurate information as such as 34 charge offs. I was told that this account would be removed from my credit report by the creditor if I settled but I would not be allowed to use their services again. This account should have been deleted. I reached out to Experian and they continue to allow this company to report inaccurate information and it is hurting my credit score. Please help because no one at Experian listens or helps.

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 2021-02-10 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I traded in my vehicle on XX/XX/2020 and immediately Credit Acceptance Corporation was notified and XXXX  XXXX  XXXX took possession. There is some obligation between Credit Acceptance and XXXX that is operating outside of my deal to trade and the vehicle is still not paid off. The dealership states that Credit Acceptance owes them {$60000.00} so they refuse to send in a check to pay off the vehicle. Credit Acceptance states that dealer services is handling it ... they are not doing collection calls YET they reported me late to the credit bureaus dropping my score 109 points. The dealership also listed the vehicle within days so whatever issues they have with each other ... I am the one being negatively impacted. In addition I am owed a refund for a warranty service plan that Credit Acceptance mandates because I cancelled immediately on XX/XX/XXXX when they opened. I have a contract showing that this vehicle was traded in. Trust me if Credit Acceptance even thought I had this vehicle they would have shown up to repossess it. XXXX XXXX  XXXX is culpable also. Two companies that I hope to NEVER do business with again. Unethical, predatory and disingenuous is just a few words that describe these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account overdraft fees are turned off so that I don't get my account overdraft still i get overdrawn by the bank every time I use my XXXX. Suntrust now truist is not willing to resolve this 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 explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I entered into a lease with XXXX XXXX after the appropriate process was completed at my local XXXX, XXXX, XXXX dealer. They informed me that I would not owe anything for the first month or two. The dealership, despite having my license, telephone # and address filled out correctly BY ME, supplied the 1. Wrong phone number to XXXX XXXX 2. The Wrong Address, and 3. Supplied them with NO EMAIL. I tried to log into XXXX XXXX after not receiving any correspondence fro leasor but was unable to do so as I did not even have my account number. I was notified of a credit change and immediately called XXXX XXXX and they NOTED it was their mistakes that led to this delinquent reporting as they verified NO correspondence was sent to me via email, phone, or mail. They told me I had to contact the credit bureau 's to rectify, which I did, but this still remains as an adverse event that was not of my fault. I am current on ALL payments with every institution I am involved with. This adverse event is unjustified as I had done my due diligence in filling out correct information MULTIPLE times at dealership.

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 2021-02-10 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: FL

Complaint narrative:
As per the FCRA any unverified or unauthorized accounts or inquiries must be removed from the credit report. I have called them, sent the FTC report and the fraudulent account and disputed have still not been removed. 

Letters have been sent over the past 90 days without any response from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: KS

Complaint narrative:
XXXX XXXX sent me a debit card for an account that I did not open. When I asked them when this account was opened, they told me I had to tell them more personal information about myself which I declined. She closed the account. 

Same thing happened with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TX

Complaint narrative:
Receive a responds stating my dispute was verified. I requested a Method of Verification and it was not provided. I have proof from the courts that they don't provide any proof to credit agencies and they informed me although it's public records the courts do not report to any agencies. I was informed by a representative that your agency do receive files from a 3rd party vendor.

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 2021-02-10 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have two problematic issues with my credit there are 2 inaccurate things on my credit.

1. Aargon Agency shows on XXXX & XXXX that {$200.00} is owed. This is NOT my account.

2. Portfolio Recovery shows on XXXX  & XXXX that {$480.00} this account goes away then pops back on to credit profile with a different account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I have been trying to get assistant from RUSHMORE LOAN MANAGEMENT SERVICES for an extension of the COVID 19 for the last 2 months. On XX/XX/XXXX, th I emailed them every single document that they requested. 

They have NEVER sent any letter to me. They will not extend any COVID 19 plans unless you apply for a workout options. Every lender in America will extend your COVID 19 plan without this game that RUSHMORE plays. I am unemployed, don't have money. I sent them the pension benefit award letter, PLUS two months bank statements. The last bank statement was XX/XX/2021. I applied on XXXX It is now XX/XX/2021, and they are saying that my bank statements are over 30 days old. NOT TRUE. They were 7 days old upon application. 

Its just a joke to work with this servicer. They are legal mafia. They do not want to help. 
They are telling me my bank statement that was the MOST CURRENT ONE AVAILABLE on XX/XX/2021 is not valid. That statement was only 7 days old, and it it shows the SS deposit. My next bank statement does not even come out until later this week, which then they close your file, tell you that you did not submit documents in time, and start again. 
ZERO HELP. I am attaching the documents for you to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX of XXXX submitted a hard inquiry on my transunion credit report today, XX/XX/2021. I did not authorize them to check my credit, nor did I inquire about a car. They sent me a text message advising that I did. I advised that I did not. They stated that they had my info as part of a lead system. I did inquire about a car 2 years ago at which time they checked my credit. This hard inquiry is unwarranted and I want it removed from my credit.

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 2021-02-10 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint on behave of myself. This is not a third party company. Date XX/XX/2020 XXXX Account # XXXX Dear Sir or Madam ; I disputed the referenced accounts above on XX/XX/2020. The credit report of XX/XX/2020 and your report # XXXX shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit application with XXXX XXXX XXXX XXXX for an auto lease which I was well qualified for and received, however, shortly after receiving the vehicle I received a notification from one of my credit cards that also does credit monitoring that there was a change to my credit report. When I investigated further I saw that the dealership had done a hard pull of my credit EIGHT times. As a result my credit score dropped over 30 points. I immediately contacted my sales representative with a detailed accounting of what occurred including a screenshot of the problem and asked for him to have his financial manager contact me immediately. Instead the salesman text messaged my husband ( who was not even on the loan ) to tell him they were working on it. A week later my husband reached out to the salesman for an update as we had not heard anything. His response was they were still working on it. A week after that I wrote another very direct email to the salesman asking for them to contact me only and letting them know I would be taking harsher measures if I did not receive a communication from them as to what was happening to rectify the continued pulls to my credit. I received an email back and call from the salesman followed by a call from their credit manager stating they were working on the problem which seemed to be some glitch in their automated system that kept putting my information back into the system for a credit check. He told me it might take months for them to get it rectified with the credit agency. I told him that was completely unacceptable and I expected it would be rectified in a matter of days. I never received any more communications after even though I have emailed 2 more times asking for an update. I also called XXXX XXXX XXXX directly and they were unable to assist me as they were unaware of why this issue was occurring. It has now been a full month and I continue to receive emails from the automated system at XXXX XXXX XXXX XXXX that show I am still in this loop in their system that is causing my credit to be pulled over and over.

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