vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I went to XX/XX/2021 with my childs mother as a cosigner. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was hesitating on the purchase my child 's mother is not forethcoming this was her pick. Supposedly Credit Accepatance supposedly picked up as the lenders. I put down {$6000.00} with {$800.00} a month. XXXX XXXX is only a cosigner and expected me to share my vehicle yet I pay. I stopped paying the truck the second month because XXXX XXXX was destroying it. I have been trying to contact this dealership since XXXX  they answer then play phone tag the tell me to call Credit Acceptance, then when I call credit Acceptance they refer me back to the dealership. This has been gooing on for two years ith the vehicle in my possession. I tried to give the vehicle back if they give me my {$6000.00} and my stolen check that was sent to them with two peole name on it yet I just found this out this week from Credit Acceptance. I tried calling repeatedly they will answer then put me on hold forever then come on and say call credit acceptance, they said the gave two months of money back because the vehicle could not get a title, so thats {$1600.00} ( XXXX XXXX stole the check and forged my signature ) XXXX XXXX has been the only one this car dealership talks with yet my name is first she is a cosigner. I believe the dealership is practicing bad behavior along with XXXX XXXX I tried to ask how I could buy the truck out NOTHING

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 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing this letter to lodge a complaint against Wells Fargo Bank for abusing their position by setting a trap to disable my linked payment card on the due date, allowing them to profit from daily interest rates of over 20 %. I am deeply concerned about this matter. 

On XX/XX/XXXX, which is the interest-free due date for my credit card, I made a timely payment using my linked payment card, which had been successfully used for payments multiple times before. Astonishingly, Wells Fargo chose this moment to unlink my payment card, revealing a sinister side of capitalism that sets traps to extract exorbitant interest rates of over 20 %, all while preventing me from making a manual payment. 

I have consistently made on-time payments, and my statements confirm the success of these payments. On XX/XX/XXXX, I contacted the bank via telephone, and they informed me that an explanation would be provided by the Office of the President. My XXXX XXXX savings payment card has more than sufficient funds, and I made no alterations to its settings. 

I hereby file this complaint and request that the bank promptly restore my linked card so that I can make manual payments once again. Additionally, any interest or adverse effects on my credit score resulting from Wells Fargos error must be rectified by Wells Fargo. 

I implore the relevant authorities to oversee and manage this situation, as this is the second occurrence of the same issue. 

Sincerely, 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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I contacted CREDIT ACCEPTANCE CORPORATION back in XXXX  to have them remove the incorrect information that's hurting my credit report/score and my ability to obtain a new car loan. And further my credit building progression.

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 2023-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accondance with the fair credit reporting act the list of accounts below has been viotated my federally protected consumer right to privacy and cinfidentiaty under 15usc 168115 U.S.C. 1681 section 602 A states that individuals have the right to privacy. The Fair Credit Reporting Act ( FCRA ) governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information. 15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C. 1681 Section 604 A Section 2 states that consumer reporting agencies ( CRAs ) can not furnish a consumer report without the consumer 's written instructions.

The Fair Credit Reporting Act ( FCRA ) requires that CRAs adopt procedures that are fair and equitable to consumers. The FCRA also requires that CRAs provide notice to users of consumer reports of their legal obligations.

The FCRA states that inaccurate credit reports can impair the efficiency of the banking system. Unfair credit reporting methods can undermine public confidence, which is essential to the banking systeI And item repreat by more then seven years XXXX XXXX XXXX XXXX account number XXXX last acitivty date is inaccuate XXXX XXXX XXXX XXXX XXXX remarks are inaccuate XXXX XXXX XXXX court is inaccuate show up on two of the credit reporting but the thrid XXXX XXXX XXXX XXXXXXXX the amount due is wrong And the rest are either showing up on one and not the other This has really put stop on me getting a houses or car I need and you can see all the inaccurates on 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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Several valid requests, accompanying factual documentation, were forwarded to Equifax requesting a thorough investigation be completed to address inaccurate reporting from XXXX XXXX  billing. The university is reporting that I owe an amount of {$4500.00}. This is clearly incorrect and I have attached more documentation to confirm Equifax is simply dismissing any of the documents that I send. They are simply receiving the complaint and closing the issue. XXXX XXXX  has communicated multiple balances owed on XXXX student account and 3 different collection efforts are taking place on one account with multiple unverified balances. These are conspicuous or clear red flags whenever multiple collection parties are communicating multiple balances owed ( which differ in amount ). I am seeing several FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: DC

Complaint narrative:
Does the interest rate of XXXX percent on my Avant installment loan violate the usary laws in Washington DC where I reside of a maximum XXXX percent for loans? 

Can I ask them to lower my interest rate based on the usary laws in Washington DC where I reside? 

I got this loan online

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Went through XXXX with Bank, and according too the XXXX company myself nore XXXX. We're supposed too be able too be represented by a Attorney, or Law Firm. As an XXXX is like a small claims case. But for some reasons XXXX, was allowed too not only be represented by both. But was allowed too present false, and tampered with documents in the case. Where when I disputed the evidence and documents. The hearing Judge. Said, for me to provide copies of my original documents where I sent statements, receipts of funds from me being put in the accounts and documents that the accounts were indeed, mine. But according too XXXX, supposedly Attorneys. At first they claim XXXX, said the accounts were not there's. Then a week before the Judge ruling XXXX through their Attorneys claimed that they had found the accounts and numbers. But that the accounts nore the account numbers were under my profile. So when I asked, the Judge about why would the accounts be under my name, social security number and address and it shows I was placing funds in these accounts. The Judge said " XXXX Attorneys, if it turns out that these accounts are indeed XXXX XXXX, I will have too rule in his favor and award him the amount he is requesting are you all sure that you don't want too try settling this before I make my ruling? XXXX Attorneys said NO. These accounts have nothing to do with XXXX XXXX. Where I was giving the final statement where I said " Your honor, once again if these accounts were not mine why would I have been paying the accounts, why would I be putting money in these accounts and why would these accounts be sent too me under my personal information? " After the XXXX, I was told I could get a copy of the audio tape of the hearing. When I called the XXXX company, they claim that they could not find any information on the case. Which was strange, because they sent me the ruling document. But then claim that they couldn't find anything on the case in their system. Then I seen your company went after them and won.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I report that the information was not accurate on my credit report has payment history and the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: TN

Complaint narrative:
I report that the information was not accurate on my credit report has payment history and the balance

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 2023-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Notice, That XXXX XXXX is Trying to Collect on an Alleged Debt thats Not even a Debt from XXXX. The Amounts they Claim I Owe them Have been filed with Taxes and Makes that Account Income and Income Doesnt Report to My Consumer File. Ive Never Authorized or Gave them Any Permission to Furnish or Communicate With Non Affiliates Regarding my non public information they Breached my Privacy and Now I dont know who Has my Personal Information. Delete and Remove the Account from my Consumer File immediately From Experian, XXXX XXXX XXXX. They even tried to collect on this Account and they havent produced any Documentation of a Legal Claim Nor have I Validate the Accoutrements

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 2023-09-10 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: U.S. BANCORP
State: OR

Complaint narrative:
I opened a U.S. Bank Credit Card in XXXX. They offered a fraudulent promotion that few people could use. It was an Altitude Connect Visa CarXXXX for which I was offered a XXXX limit and had to spend XXXX in three months to get their offer. I realized that I couldn't get the offer without going over my usage. So in XXXX, I had a bill for which I had to pay. The bill was for roughly XXXX I paid for bill with the credit card XX/XX/XXXX. Because I knew my due date was XX/XX/XXXX and statement date was XX/XX/XXXX, I knew I had to pay off that balance immediately. I paid XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I received an XXXX alert thar my usage has increase. I call on the phone to resolve the matter. Nothing was resolved. My current balance is XXXX and has been that way since XXXX. I am disputing the amount reported by US Bank and for them advertising something clearly would cost a consumer to use. A XXXX point drop on a credit report takes years to address.

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 2023-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : AgencyXXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 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 explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 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 2023-09-10 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have three debts on my credit report that are not mine. 
XXXX XXXX for XXXX dollar amounts of {$470.00} {$510.00} The third one is XXXX XXXX XXXXXXXX ( Apple Card ) {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our home mortgage is with Nationstar Mortgage, dba " Mr. Cooper '' ( " XXXX '' ). There is an extensive history of XXXX cheating its customers, including XXXX recently brought by CFPB that resulted in XXXX paying out $ XXXX in restitution ( Case Number XXXX ). Looks like they are at it again. Maybe CFPB is already aware of this scam. 

The brief History is that I recently Re-Fied, and my loan went thru a couple of sales, finally winding up with XXXX about a year and a half ago. Starting 6 months ago XXXX initiated a cyclical process of asserting that " their records showed '' my insurance to be lapsed of deficient. I would respond, submitting complete evidence of insurance, and after a bit of back and forth, I would receive a statement that the matter had been resolved and " no further action was needed at this time ''. After a couple of weeks, the cycle would repeat. This happened 3 times, and then XXXX 's suddenly purchased unnecessary insurance, and did this immediately after one of its " all is resolved '' letters. This resulted in a substantial increase in my principle, by the cost of the insurance, and the funding of a bogus escrow account. My monthly mortgage invoice has increased by a bit over {$100.00}. 

I submitted a very detailed and documented complaint. XXXX responded, and in my opinion just dug their hole deeper, doubling down on their fraudulent assertions and threats of extortion. I have answered that with an even more detailed response. 

I will do my best to submit all the relevant files as ZIPs, which should preserve folder structure. But given the 10MB size limit, it might be several zips. I hope I don't time out while I am putting all that together. OK ... 6 ZIP files ( of PDFs ) coming... 

FIRST COMPLAINT zip files : Demand Letter Exhibit ABCEF Exhibit D -- ( Insurance Purchase ) Part 1 Exhibit D -- Part 2 Exhibit D -- Part 3 SECOND COMPLAINT zip file : Second Complaint Thank you kindly for taking this matter on, and I eagerly look forward to your response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructio

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 2023-09-10 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructio

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Syncrony continues to check my credit report without autorization. They continue to close accounts that are in good standing, they increase interest amounts even with a good payment history. They want to contiue to raise the credit interst without notifying me or addressing the problem. They are loan sharks-in America!!

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 2023-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
State has submitted wire funds transfer to the bank on XXXX and approved on XX/XX/XXXX with bank transaction XXXX and then for XXXX payment on XX/XX/XXXX and received on XX/XX/XXXX with bank transaction XXXX and process to applying payment to my XXXX XXXX XXXX  account has been extremely slow, in which, it has made my account delinquent, and the mortgage company has reported the late payment to the credit bureau as a past due payment, which is not my fault and has now affected my credit. I have not seen any resolution from XXXX XXXX and I keep being informed that it will be escalated because they do not have any information on these payments, but when I checked with the state, I was informed that it was submitted to Dovenmuehle mortgage in Texas. Both payments for XXXX and XXXX are still not applied to my account and not being deposited to my account on time. I have been stressed and frustrated with not funds being posted in my account when these issues have never occurred in the past. I am concerned that when XXXX payment is sent that I will have the same issue. I have been getting runarounds from XXXX XXXX when I speak to the Loss mitigation department that they do not know where the payment is and stating that it was received, but they are not applying the funds to my account. My account online has been blocked from making any additional payments because I depend on the amount that state has been depositing of {$1600.00} to be applied so I can pay the additional amount and be current with my mortgage. I have never been late on my mortgage payment, and this is affecting me mentally. I have not received any callback as I requested each representative to do with an update and response of what is happening with these funds.

Company response to consumer: Closed with explanation