vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR

Complaint narrative:
- I am waiting on the dates PAID and no payments missed now waiting on personal bank to provide the payments was made and some payments that was said missed that I paid was actually not missed and the SPS that is the Lenders name is now putting me in foreclose in XXXX when Ive none stop since XXXX have provided checks to them proving the payments was made and taking out of the account. Then they would make me miss the next months payment cause they said the payment was PAID TOO EARLY to make the payment the same month as your payment month. I did that sent in beginning of month they would wait for the due date then couple days later they would then cash it then say was late on payment making more fees. I have called them 4 years now with none stop harassment saying I have not paid a XXXX payment from XXXX gave them that payment then it was then another month and year. its a cycle that has not stopped Ive even showed them after requesting what dates\months was misses then getting back papers showing I paid, didnt do no good they always did another form of date and years. 
Ive never had one problem with any mortgage company but this one has been since they XXXX let them take it over. I have went to my Governor and she gave me a list to go through to assist me and Ive contacted them all today saying in detail all theyve done and have done for 4 years. They allowed payments this year on XX/XX/XXXX through XX/XX/XXXX to be paid, but then XXXX they sent the payment back stating they are not accepting our payments anymore that it does not cure the debt and I have to pay in full XXXX and no personal check can be used only a WIRE TRANSFER, cashiers check or Certified Check. The numbers are not adding up at all and stopping my payment in XX/XX/XXXX has made it to where they was able to proceed with a foreclosure that theyve threatened me with many many of times and I know for a fact we have paid them many of times when I was threatened over XXXX XXXX  and to later find out through bank there was not a payment missed. I have account information from bank all the way back to XXXX from when they took the account over. I order them from the BANK so I could show proof of all payments and early payments. There is a lot of proof and the numbers of interest and my principal on home does not add up for one split second. When they first got my loan it was high XXXX owed maybe less have to get more paperwork out of file but after 4 years only with a XXXX fix rate I STILL OWE XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2024-10-19 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : EXETER FI Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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 HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 instructions

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 2024-10-19 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : BankruptcyXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX - XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX - XXXX - XXXX XXXX {$150.00} XXXX XXXX - XXXX - XXXX - {$72.00} XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX {$20.00} Blue Bird American Express XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Blue Bird American Express XXXX XXXX XXXX XXXX - {$1.00} Blue Bird American Express Card I have reached out to Blue Bird American Express as of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl ) locked debit card and contacted XXXX customer service. Replacement card ordered. My issue is this is the XXXX time this year with hackers/scammers XXXX customer service XXXX This is the latest its been more my main XXXX XXXX XXXX was compromised also mid XXXX this year. Not sure if my info is on the Dark Web or something. I just want this Nightmare to be over with. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: MI

Complaint narrative:
I made a payment to XXXX. Always pay full balance. Per my bank ( when looking at back of check ) XXXX cashed it but assigned it to the wrong account. My correct account number was typed on the front of check. It was cashed and posted before payment was due. I sent a copy of the front and back to the address they provided. They still whacked my credit score and sent another letter about them being unable to research payments sent through your banks online bill pay service. Please help. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX has discharged this debt and is still reporting it in my credit report. I attached the copy of the irs transcript for the 1099c discharge debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: CO

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
its been XXXX  months asking for the XXXX XXXX companies to update my credit report and remove all charged off accounts that's been on my credit for XXXX yrs or more based off the missed payment.. They are reporting balances on charge off accounts as well. 
FCRA - 15 1681-2-Repondsibilites of furnishers of information Charge off accounts stays on credit history for XXXX years from the date of the delinquency that led to the charge off. 
I have sent letters and more letters to get this information updates they are refusing to remove as well as to send documents from the last late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: TN

Complaint narrative:
its been XXXX  months asking for the XXXX XXXX companies to update my credit report and remove all charged off accounts that's been on my credit for XXXX yrs or more based off the missed payment.. They are reporting balances on charge off accounts as well. 
FCRA - 15 1681-2-Repondsibilites of furnishers of information Charge off accounts stays on credit history for XXXX years from the date of the delinquency that led to the charge off. 
I have sent letters and more letters to get this information updates they are refusing to remove as well as to send documents from the last late payment.

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 2024-10-19 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: CA

Complaint narrative:
Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
In XXXX, I inquired about getting a copy of my title after being told I had a rebuilt title after trying to trade in because of recent electrical issues with my vehicle.

I had no idea my car had a rebuilt title, if I had known, Id never refinanced.

So the company One Main Financial provided me with
two copies of two titles one not mentioning my car title being rebuilt and another title saying it is rebuilt?

Because of this I can not sale my car or trade in, my car has major electrical issues which would cost more than I owe.

I was told by a One Main financial employee to apply to refinance and I did so on XX/XX/XXXX, and I was denied and discriminated against due to low income, though my current payment is {$450.00}, and I was told by an employee at One Main Financial, I could refinance and pay lower than that which is the only reason I attempted to refinance.

I would greatly appreciate some type of relief from this situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: MOHELA
State: AZ

Complaint narrative:
I am submitting this complaint regarding Mohelas mishandling of my student loan account. On XX/XX/XXXX, I received official notification that I was enrolled in the SAVE Plan and placed in forbearance until my payment amount could be calculated. Under this plan, I should not have been required to make payments or accrue interest during the forbearance period.

However, without any notification via email or mail, Mohela moved me to a standard payment plan on XX/XX/XXXX, requiring payments that were four times higher than my estimated SAVE Plan amount. I was not informed of this change in advance or given the opportunity to address the issue. I was also not able to sign online to review my account for months ; now that the website is working, I see that my account is past-due, and I've made several attempts to contact MOHELA via phone.

I should still be under SAVE Plan forbearance without accruing interest or being required to make payments until my repayment amount is properly determined.

I am requesting : Immediate reinstatement of my SAVE Plan forbearance status.

Correction of any accrued interest or past-due status caused by this error.

Confirmation of my correct plan enrollment and communication going forward.

Thank you for your prompt attention to this matter. Please let me know if further information is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
EQUIFAX, XXXX CREDIT SER, XX/XX/XXXX EQUIFAX, XXXX, XX/XX/XXXX EQUIFAX, XXXX XXXX, XX/XX/XXXX EQUIFAX, XXXX XXXX AUTO, XX/XX/XXXX EQUIFAX, XXXX SYSTEMS, XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX, XX/XX/XXXX EQUIFAX, XXXX FINANCIAL, XX/XX/XXXX EQUIFAX, XXXX PROVING XXXX, XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX VIA DEALER, XX/XX/XXXX EQUIFAX, XXXX, XX/XX/XXXX EQUIFAX, XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: CITIBANK, N.A.
State: OK

Complaint narrative:
This company keeps reporting to my credit report. I have told them several times that this account was open fraudulently I have provided proof police reports XXXX reports, and also gave the name of the person who opened the account. I am not held responsible for this account they are not doing their job be advised this is not refusal to pay but a notice of pursuant to the fair debt collection practices fcra 15usc 1692g But this is the request of validation that I open this account I respectfully ask your company to send me proof that I have any legal obligation to pay you for account. I did not open I keep disputing this because my sister XXXX open this account phone number email banks account payments were all made by her using other peoples money. I am so sick and tired of having to dispute this. At this time. I will also inform you. If your office report invalid information to any XXXX credit bureaus XXXX, XXXX XXXX XXXX this action may constitute fraud under both federal and state law due to these facts if any negative marks is found on any of my credit reports by your company after submitting all proof that I did not open this account, I will not hesitate to bring legal action for legal action by the fair credit act violation if your office can prove that I open this account within 30 days and if you fail to provide proof, this account needs to be deleted from all three credit bureaus I have sent numerous proof of me not opening this account I am not held responsible to make payments on something I did not open or gave permission. To my sister to open this account has a balance of {$2000.00} with the over limit that I keep telling you guys I did not open and you guys want me to make payments on an account I did not open

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 2024-10-19 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX Consumer Financial Protection Re : Disputing error [ s ] on credit report Dear Consumer Financial Protection, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : I am a victim of identity theft, and I dont recognize one or more of the accounts on my report. There are four negative accounts on my credit profile that has been causing me financial distress XXXX, Transunion nor XXXX has yet to validate nor send proof that these accounts belong to me. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting to my credit profile that Transunion, XXXX, XXXX has failed to assist in getting the issue resolved. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief