vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: NC

Complaint narrative:
We financed a XXXX XXXX XXXX XXXX  with LendMark Financial. They hurried through the loan documents, claiming they were leaving early, or fixing to close.

They had us to review the documents by way of an XXXX which was hard to see.

And they rushed us through the signing process. They also put that XXXX income

is more than what she actually gets per month, I guess so they could get the loan to go through, They claimed we could refinance the loan with another company at a lower interest rate. Or that they could refinance at a lower rate. They knew that nobody would refinance this truck because it's
more than XXXX old. 
This is predatory lending at it's best, they send us a check for {$5000.00}, I had to pay {$1600.00} out of pocket because LendMark wouldn't loan more than {$5300.00} They also failed to tell us our first payment would be more for whatever reason. And they failed to tell us they would be charging a {$2.00} junk fee per month just to make a payment. Another issue the interest rate is 29.72 % but when I log into my account on the dashboard it states 29.29 %.? A while back they told us oh we can refinance your truck and get cash back, then they called and said
Corp said you must be a customer for at least XXXX before refinancing. 

Then they called back and said we can refinance without cash back, we said ok, then they called back and said no Corp said you must be a customer for at least XXXX. 

And the several months they didn't add any of my loan payment toward principle just to interest only

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a request to take a derogatory mark off my credit report that was not me, during the attempt to take it off it has been over 45 days. XXXX XXXX XXXX amounting in XXXX dollars was fraudulently put on my report and I want it off. According to 15 USC 1681 you can not defame me and cause damages to my 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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've always made sure to pay on time for this account, never letting payments become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.

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 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have an education loan with XXXX XXXX XXXX XXXX XXXX and it was serviced via XXXX XXXX XXXX XXXX XXXX. 

I have been flagged for a delinquent account for which I received no notice. I went into the XXXXserviced account back in XXXX to turn off the auto-pay of a bank account that we no longer use and was hoping to change to a new bank account ; however, they do not allow you to simply switch it over. So I was made to come back at a later date. Forgive me if I may have forgotten to do the new auto pay, but I did not ; however, my communication with XXXX did not change at all. My emails remained identical to had I been current with the loan. This does not seem logical, especially given the consequences of credit reporting. 

At no point did I receive an external communication stating that my account was " late '' or " delinquent. '' XXXX XXXX can confirm this and they state that these notices were posted to my XXXX account ( not my email linked to the account ). My issue is that there is nothing in the external communications to let me know that this account was late or delinquent - I have posted the email inbox here with my communications from XXXX. I do not understand how this is logical or fair. XXXX or others let one know in the headline of the external email what the communication pertains to. XXXX doesn't, nor do they ramp up communication if the account is delinquent. They flag your account ( a 10 year mark ) without any warning. 

And please can we forget phone calls - everyone in america gets a robocall every XXXX minutes, so that form of communication has been diluted down to be made completely ineffective. They suggest they " called twice '' but that is hard to believe amongst the chatter of robocalls. Email is preferred and the viable line of communication. 

I would like to dispute the flag on my account but more so to help others who deal with XXXX. Please hold these service providers responsible for clear communication so that the next customer is made aware that their account is about to be irreparably flagged.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA 605B, I believe, requires us to eliminate any inaccurate accounts from my credit report. Can you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please delete these inquiries? I'm unaware of them, and the company acted without my permission.

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I asked for a copy of my credit report since my score dropped XXXX point all recently. I have no credit card debt and then I find that this company : THD/CBNA credit card which I never had. They show that I owed {$8800.00}. 

Also, on another credit bureau online, I found my address had been changed and my phone number. There was also an outstanding balance on a Home-depot account. Several other soft inquiries to several stores and banks were discovered. I fixed the address and phone ; and froze my accounts with all credit bureaus. 

How do I get my credit score fixed now? When I need insurance, the price is based on my credit score which is XXXX. I had over XXXX something prior to this breach. 

Thanks

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 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

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 2024-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
Good afternoon, I am posting this about a loan that I never received and that they never gave me and that I am supposedly having to pay for it. How is it possible that I have been paying a loan that they never gave me and that I never receive. That is why I demand the immediate return of the payments I made as well as the repair of my credit immediately. Here I leave the loan that according to them they gave me that I made the payments on the fraudulent credit that they never gave me and that damaging my credit and demanding payments from me. I want my money and they do not have the information or the Page itself, everything is very impossible to claim both online and by phone. It is a fraud promising things that it will never deliver and that is stealing and demanding payments. So I suggest that they be investigated because I must not be the only one. so I want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX continues to ignore my dispute and failes to list or report that my acount was included in Bankruptyon my credit report and refuses to update my credit report as being " Paid In Full '' and refuses to remove the status remarks as late 120 / 150 Days Late!!! 

I've esculated my complaint to senior management for XXXX and Employee - XXXX XXXX ignores my calls, left voice messages, and fails to address my request! I have notified XXXX for more than three years and no changes have been made to address my complaints! 

I have esculated my complaint to the XXXX XXXX XXXX for the way my complaint has been handled!

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 2024-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Apparently I already had paperwork filed by them to my county Court House but haven't been notified by the court house or original debtor that I am aware of and supposedly been made payments on the account as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/XXXX They said I violated deposit regulations when Im back the deposit that I received came from with an account that was with the same bank. They put a hold on my mothers account released our phones back to her but they took over {$700.00} from me and said that I would get the money back in 30 days and that was in XXXX of last year I have not received the money and every time I call I get the runaround theyre just keep bouncing back from person to person thing I violated when looking at their rules in their protocols for their accounts I didnt know such a violation, and they refuse to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing about the dispute of the charge off of my account which I requested verification of the debt pursuant to 15 US Code 1601. I believe the charge-off was inaccurate and violates the Truth in Lending Act. 

I disputed the following : * The total amount of the debt ( {$4000.00}. ) * The interest rate * The repayment Terms I also requested a copy of the following information A copy of the original credit agreement A breakdown of the total amount of the debt A statement indicating whether the debt has been sold or transferred to another party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Paragon Revenue Group once again for the 3rd time this year, attempting to collect on another invalid / unverified alleged medical debt that I am unaware of and NO intentions on paying this agency for. 

Pursuant to HIPAA, my personal privacy and medical records should be protected from any 3rd party collection agency to include PARAGON REVENUE GROUP. And if they are in possession of my medical records, then that would be a clear violation of HIPAA. 

The alleged original creditor is : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hey hope all is well, I viewed my credit report on XX/XX/scrub>XXXX the purpose of this letter is the fact that there is inaccurate and out dated information on my credit file. I ask that ALL incorrect or outdated information listed below and may not be stated here be removed and updated to the information given in this letter.I have seen over XXXX derivatives of my name and over XXXX incorrect address. I have also attached all identification documents required for identity verification.

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 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Arbitration Forum
State: CO

Complaint narrative:
Got a call saying they will file civil charges against on behalf of another company. I did not acknowledge the debt. No debt shows up on my credit report. If it is a debt I owned many many many years ago statue of limitations is up by far. CO limitations is 6 years. This was done mainly via phone but referenced it in voice mail which I included text copy of.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was checking my credit and I saw collection account in my credit report that I don't recognize. I have been victim of identity theft and some one who has my personal information tried to open credit cards and so on. 
XXXX XXXX XXXX XX/XX/XXXX reported to my report collection account I called them I asked them to provide me a contract with my signature and they couldn't provide and I asked them to remove that collection from my account. they couldn't resolve my issue and I am submitting claim thru here. And some inquiries that I am not authorize that its shoes on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. 

And one more thing according to 15 USC 1681s-2A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachment bellow

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX opened : XXXX XXXX XXXX amount : {$1100.00}. 
I tried many times to call this company, they did not respond.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my consumer Reports and noticed that I had 2 late payments on an account that I was never late for. Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer info to the best of their ability with maximum accuracy. I have never been late on payments for the account with XXXX XXXX XXXX XXXX, the account number associated with this account is XXXX. Please investigate and provide proof with statements showering that these payments were late. If proof cant be provided I demand that these payments be updated to on time as they should be as I was NEVER LATE! Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I reviewed my consumer Reports and noticed that I had 2 late payments on an account that I was never late for. Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer info to the best of their ability with maximum accuracy. I have never been late on payments for the account with XXXX XXXX XXXX XXXX, the account number associated with this account is XXXX. Please investigate and provide proof with statements showering that these payments were late. If proof cant be provided I demand that these payments be updated to on time as they should be as I was NEVER LATE! Thank you!

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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