vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: DE

Complaint narrative:
XXXX XXXX Equifax and XXXXXXXX XXXX are violating my consumer rights by reporting XXXX XXXX XXXXXXXX late payment for the that they have not proved to be verified as accurate. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Due to the FCRA this is a violation, which is actually Illegal Pursuant to 15 U.S.C s 1666 ( B ) see below. 

XXXX XXXX Was the reporting late date XXXX XXXXXXXX XXXX thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
My husband and I closed on a VA OTC construction loan with Cardinal Financial in XX/XX/XXXX. According to the executed draws that had been paid and a review of the XX/XX/XXXX statement showing the undisbursed construction funds, we should have had approximately {$37000.00} left over in construction funds. Our breakdown is as follows : XXXX Remaining Undisbursed Construction Funds ( as of XX/XX/XXXX mortgage statement date ) XXXX Revised Draw # 8 Amount ( Signed by XXXX XXXX XXXX XXXX on XX/XX/XXXX ) XXXX Remaining Undisbursed Construction Funds as of XX/XX/XXXX XXXX Interest Payment for XXXX ( XX/XX/XXXX ) XXXX Remaining Undisbursed Construction Funds as of XX/XX/XXXX However, our online Cardinal Financing mortgage account shows multiple payments on XX/XX/XXXX in the amount of XXXX with no detail as to where those payments went. 
Neither the XXXX XXXX XXXX XXXX  mortgage statements from Cardinal show any transcation activity in the amount {$29000.00}. 

On XX/XX/XXXX, I inquired about this via email to XXXX XXXX of Cardinal. She responded on XX/XX/XXXX that she was forwarding my, concern to her manager, XXXX. I have not heard anything from XXXX XXXX, XXXX or anyone else at Cardinal since that time. 

If these funds have improperly converted to Cardinal Financial 's own use, this is wholly inappropriate as we were forced to obtain a XXXX personal loan to pay for what was presented as a " shortage '' at the end of our construction. Had these funds not been improperly converted, no loan would have been necessary. We are seeking the return of the amount of {$29000.00} and any additional penalty imposed by the CFPB. My husband is a veteran who served his country and he should not be taken advantage of in this manner. Cardinal made the situation worse by not even responding to our very legitimate concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I noticed a credit account was opened on XX/XX/2024 on my credit report. It was used on XX/XX/2024 for {$690.00}. I submitted an identity theft report and a dispute. I then called the company of the credit cards. They said they reported it as fraud and have commenced an investigation. My only option is to wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Since XX/XX/XXXX of last year Exeter Finance has been calling me almost non stop. I've called them multiple times letting them know they have the wrong number, I'm not the one they are looking for, even emailed them and they still continue to call and leave voicemails. I have 140 calls from them in total. This is harassment at this point and I want it to stop. I will attach proof of the 140 missed calls I have from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
In XXXX of XXXX i purchased a XXXX XXXX XXXX that had engine, motor, tire, sensor issue when i pulled off the lot. the engine light kept coming back on after repair and finally the engine blew and drive time never responded to my questions onlemon laws. i rented cars because the car was always disabled

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 2024-05-22 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-05-22 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-22 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just got a copy of my credit report, I notice you are reporting this account incorrectly. This collection account is already as PAID/CLOSED, According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Timeline of Events : Purchase Date : I purchased the vehicle on XX/XX/XXXX. 
Initial Complaints : I filed complaints with the dealership in XXXX regarding the vehicle 's condition and lack of tags and plates. 
Repossession : The vehicle was repossessed without any prior knowledge or warning on XX/XX/XXXX. 

Details of the Complaint : XXXX XXXX : I was sold a vehicle that was faulty from the beginning, causing significant inconvenience and financial strain. Despite my numerous attempts to address these issues with the dealership, they refused to allow me to exchange the vehicle for a more reliable one. 

Tags and Plates : I never received the tags or plates for the vehicle. This failure to provide necessary documentation has prevented me from legally operating the vehicle. 

Repossession Without Warning : The vehicle was repossessed without any prior warning or notification. At the time of repossession, my personal belongings valued at over {$8000.00} were still inside the vehicle. These items have not been returned to me, causing significant distress and financial loss. 

Lack of Communication from Lender : After making a complaint regarding these issues, I have not received any information or updates from the lender. This lack of communication and transparency is unacceptable and leaves me without resolution or recourse.

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 2024-05-22 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: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-05-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I had a CD come due on XXXX XXXX and I called Synchrony Bank the same day requesting they close the account and send a check. I was told 2 days to process and 7 - 10 for mailing. I waited and nothing came. I called again 10 days later and was told the same story. I called on XX/XX/XXXX and the case was escalated, Synchrony admitted they had made a back o # ice error and promised a check with additional accrued interest witting a week. On XX/XX/XXXX they said I would receive a check in the mail by XX/XX/XXXX, I have received nothing. I called again on XX/XX/XXXX and they told me that the check had not yet been processed and would be tomorrow. This runaround has been going on for a whole month and I want Synchrony to send me my money back plus interest for the additional month they have screwed around and had 'back o # ice ' mistakes.

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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
On or about XX/XX/2024 Spring Oaks Capital, who I NEVER did any business with, demanded money over a FAKE loan from XXXX XXXX. In point of fact I filed and FBI report showing XXXX as a FAKE account. Spring Oaks Capital says that is NOT good enough. They are crooks, loan sharks, whatever term you want. They are ruthless in trying to collect a debt that is NOT mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I have gone through the proper procedure and contacted Navient corporate about my private student loans being discharged. They told me, I qualify for the school misconduct form. They told me I was elligible to recieve it and I filed the proper paperwork application with them. I provided ALL the proof to them. It was pages upon pages of proof, from emails with my school XXXX, to the entire course catalogue, proof from other cases and settlements, XXXX XXXX XXXXXXXX, XXXX settlement against Navient, and widespread knowledge that my school, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) has done unlawful practices. I have sent them the application with all this proof and am so disappointed it got DENIED. I want a detailed explanation as to WHY I got denied in writing, and which paperwork attachments they received from me. I want an appeal! Why have other people been approved for discharge, who attended the same school as me!? I was approved and sent the same info I did for my borrower 's defense application as my school misconduct form, with MUCH MORE proof! Please help me, I am running out of options, my loans have ballooned now to XXXX ( XXXX now after a month forbearance from the application pending ). I can not afford this, my life is destroyed from these predatory loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I continue to dispute this account on my credit report and it seems like there not doing due diligence to the consumer, they obviously take the fraudulent company word for everything. I closed this account on my own still being charged late fees, I have made three {$40.00} payments and payment for {$120.00}. The card limit is only XXXX XXXX dollars if the job was getting done correctly with the dispute they would see they forgave {$60.00} returned payment fee which obviously wasn't credited because they are still including it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-22 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: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: VA

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. 

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/year> has violated my rights. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-22 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: SC

Complaint narrative:
I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score. Please see attached documents for remedy solution.

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