vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-05 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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-05 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: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I just got paid this morning. I called Rocket Mortgage to make 1 payment. As of the first I became 4 payments past due. The rep advised that due to FHA guidelines they can not accept 1 payment to get me back to only owing 3 payments until I can get paid again. Unfortunately I dont make enough to make 2 payments today. However not allowing me to make a payment today is only continuing to keep me further behind. My company is not allowing overtime which plays a significant role concerning my paycheck

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX XXXX claims still unpaid and unresolved. And XXXXXXXX XXXX  assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed XXXX, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX  XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of XXXX violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a XXXX or longer. I am owed roughly XXXX XXXX XXXX in unemployment money. I wound up homeless and lost my XXXX XXXX backed mortgage waiting on nothing to happen. And my XXXX sent the XXXX to my home to have me arrested and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received XXXX of letters, emails, calls, etc., from me and NOBODY responded over a XXXX period. Which prompted a congressional XXXX complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this! 

I have XXXX years of job experience. Length of job portion of this was due to the COVID lockdowns and unavailable jobs. And delayed unemployment. And you can see the rest in the details above. I was XXXX from XX/XX/XXXX to XX/XX/XXXX and just reestablished myself XXXX months ago. Without any agency designed to assist help. They denied me too. You give it drug addicts, drunks, prostitutes, criminals, and people who steal from others. Not legitimate people who do what they are supposed to do that you hawk for something to get them on versus looking at yourself as the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I have tried to reach Lakeview or XXXX or XXXX, whatever their name is. Hold times are beyond unacceptable and they have not taken the steps promised by their agent on XX/XX/XXXX. This entire mortgage was setup so that a large pricipal payment could be made shortly after closing. Lakeview is simply unresponsive and unable to be reached. My first non-professional experience with Lakeview is disappointing.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me arrested and committed for a mental evaluation versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I pay all of my bills at the same time every month. I go through a checklist and mark each paid as I go. I have zero late payments on my credit history and am very meticulous about my credit. 

I had a loan with Chrysler Capital for a car lease. I've been with them for almost 6 years and you can see my history with them is impeccable. I'm always on time. 

I'm not sure exactly what happened in XXXX, but I paid my bills like usual and for some reason this payment did not go through. I'm assuming a technical error on their end. It did not have to do with the money in my account as I maintain more than enough in my account to cover XXXX payments. 

I did not notice this happened at the time. I found out when it was reported to a credit bureau and my credit monitoring alerted me. 

In that time, Chrysler Capital did not email me ( even though they email me for everything else ), send me a letter, or call my correct number. I literally changed my number with Chrysler Capital 5 times over the last 5 years. They called my old number that I keep trying to delete, even with them on the phone. They are completely incompetent. 

So they can't do something as simple as call the correct number that I changed 5 times, or email me, even though I have been a loyal customer to them for many years. 

I have called them several times and spoke to several people that were very rude ( I was nice as pie ) that all told me they can not remove this blemish from my report. 

On top of this, I am trying to move my family out of a bad area and buy a new home and now my mortgage rating dropped from this one blemish and I am unable to buy a home. With the new rate because of the drop in my credit score, it is unaffordable. 

Chrysler Capital has been horrendous through this entire process and can care less that they ruined someones life because of an error on their side and their incompetence to inform me of the error and late payment. 

Because of this, I will never purchase a Chrysler, XXXX, XXXX again and I will make it my duty to make sure anyone I know stays away from this terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of the Equifax data breach. I have been harmed in various ways and have been fighting to remove multiple collections, inquiries and accounts that are not mine. Recently I had a fraudulent account added to my credit report which I had come back verified from ethe company " XXXX '' that this was a fraudulent account. XXXX has removed the account and alleged debt from my XXXX report, as well as, erased the debt. Yesterday XX/XX/2023 I submitted a dispute to Equifax letting them know I have been effected by their security breach and that the XXXX account was not mine and needed to be removed. Today XX/XX/2023 I was told by Equifax that the " looked into the account and it came back verified ''. This lets me know my information is NOT being protected and they failed to do their GRAVE duty of actually looking into this account and making sure my report reflects " maximum accuracy ''. I would think that after I have already suffered harm because of this data breach they would be more careful to be sure I didnt suffer additional harm, yet that clearly DID NOT. this is abusive practices and it is unacceptable. If I asked for you to investigate something on MY credit report, that effect mine and my children 's livelihood, that's what I expect to happen and you have WILLFULLY not done that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-05 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: Westlake Services, LLC
State: CA

Complaint narrative:
in according with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting angency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I contacted Wells Fargo for a payoff letter XXXX weeks ago, they said they would provide within XXXX days. When I did not receive one, I called back. They then told me I would need to get it from XXXX XXXX XXXX XXXX in North Carolina. I called and requested a payoff letter from them. After XXXX  days I did not receive one. I called them again. They did prepare a pay off letter for XX/XX/XXXX and I received that yesterday. I emailed and requested XXXX for XX/XX/XXXX. 

In addition the payoff they sent me for XX/XX/XXXX was much higher than Wells Fargo quoted in their automated system and representatives I spoke to. Nobody seems to be able to tell me where the extra costs accrued and I don't even have a letter for XX/XX/XXXX. In addition after my call to Wells Fargo informing them I had a qualified buyer who wants to close XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX scheduled a foreclosure auction and sent Sheriffs to serve me with foreclosure paperwork. 

I am trying my absolute best to payoff this loan, but am being blocked at every turn. 

I was also notified I was in Covid Forbearance but it was not in any way reflected in what I owe. I need some help ascertaining if the house I bought for XXXX XXXX years ago will actually be almost XXXX to pay off now. I'm in a time crunch because my buyer wants to close on XX/XX/XXXX and right now I don't know or understand why the cost got so big, how I could owe this much money on this house. 

I have XXXX and XXXX XXXX exacerbated by the Covid isolation and really need some help getting out of this loan and landing on my feet. Ive applied for XXXX and am hoping that decision will be soon, but currently I'm looking at homelessness and a default on the loan despite my best efforts to repay my debt with a little left over so that I can move closer to family members and get the health care I need. XXXX XXXX  wait lists for XXXX  are in years now.

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