vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: AZ

Complaint narrative:
MB Financial Services last XXXX had an accounting error in their system showing my account with them was in arrears and they charged the account off, repossessed my vehicle. I contacted them immediately and they recognized the error and gave my vehicle back to me. However they never fixed their error in reporting the account as a repossession with the XXXX credit bureaus. On multiple dates ( XX/XX/23, XX/XX/23, XX/XX/23 and finally XX/XX/23 ) I have disputed the accuracy with both the bureaus and with MB Financial Services. They did removed what they claimed as charged off debt ( {$670.00} ) but have failed to remove the repossession comments from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: AZ

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, This inquiry is unauthorized. Please DELETE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) : Account number : XXXX, This inquiry is unauthorized Please DELETE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Synovus Bank
State: DC

Complaint narrative:
I paid this company XXXX XXXX XXXX and his former partner XXXX XXXX XXXX to repair my credit on XXXX of this year ( 2021 ) until now XXXX XXXX XXXX have been convicted and banned by Federal Trade Commission for his bogus credit repair practices. I purchased {$1500.00} XXXX XXXX product and paid XXXX XXXX XXXX as well {$200.00} for two First Progress credit green colored cards that never gave me XXXX percent cash back, paying annual fees, their interest rate is expensive, and their repayment options are iffy using a third that charges a fee to sent it instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: CA

Complaint narrative:
Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, Equifax and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: NY

Complaint narrative:
I have recently pulled all my credit reports and came across these accounts that do not belong to me and FRAUDENTLY reporting to my credit profile. I have never done any business with these companies nerveless i haven't signed any contract that bind me to the ALLEGED accounts. I'm requesting that these accounts be removed from my credit profile as they are hurting my ability to obtain credit and being forced to be homeless with XXXX XXXX because of this matter.

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 2024-02-08 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: NY

Complaint narrative:
I have recently pulled all my credit reports and came across these accounts that do not belong to me and FRAUDENTLY reporting to my credit profile. I have never done any business with these companies nerveless i haven't signed any contract that bind me to the ALLEGED accounts. I'm requesting that these accounts be removed from my credit profile as they are hurting my ability to obtain credit and being forced to be homeless with XXXX  kids because of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. Transunion is violating my rights I did not give written permission to report this on my credit report Account Name 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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.

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.

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 2024-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The collector sent me a letter dated XX/XX/XXXX with an amount of {$3900.00}. The letter indicated I had a right to dispute the debt by XX/XX/XXXX. The letter also saids I can dispute this debt directly through their website XXXX. I disputed the amount on XX/XX/XXXX via their website and wrote on the letter as a reminder. 

Nearly a month had gone by and I had not heard back nor received a letter with an itemized breakdown of the charges. So, I went back to their website and filled out there contact form and submitted a request to follow up on XX/XX/XXXX. I screen recorded showing the date and time and the request I submitted just in case. 

Fast forward to XX/XX/XXXX, my mother and I received a notification that the debt was reported to the credit bureau and showing on our reports. My mother called and spoke to a XXXX XXXX, who offered to get the account paid in full for {$1900.00}. My mom asked me to call in to handle the account as I was the primary. I called and spoke to XXXX XXXX and I immediately requested to understand why the collector did not honor my dispute request to show me a breakdown of the charges and proceeded to report it to the bureaus. XXXX XXXX claimed that I never submitted anything through their website. Which was false and I was attempting to file the screenshots and recordings I took, he transferred me to his supervisor. 

I then spoke to XXXX XXXX who I went back and forth with as she did not believe me and was continuing to claim that I never submitted anything through their site. Despite all the proof I have and was working on sending to her. She sent me an email with charges, but there was an amount listed for {$2400.00} and labeled as " Other ''. I asked her to explain those charges and she could not. I also explained to her the charges I had made several attempts to dispute with the leasing company before the charges went to debt collection. She did not believe me. I told her I would respond to her email with all the proof I have and which I did as of XX/XX/XXXX at XXXX XXXX. The email she sent me was not a direct one and a standard inbox. 

It appears they are running deceptive practices with their website, telling people to dispute through their website so that when individuals do, they can claim nothing was ever submitted and proceed with collections. I never received any confirmation email for the 2 times I made submissions on their website. I was fortunate enough to record my screen at the time so that the date and time showed as I feared something like this would happen. This debt should have never been sent to the bureau until it was validated and I should have been given a timeframe to pay down any actual owed debts before sending it over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: United Shore Financial Services, LLC
State: AL

Complaint narrative:
I signed a final loan closing on XX/XX/year> and the loan term stated I was to received XXXX at closing and the closing costs would be XXXX. I closed on refinance loan on XXXX My loan closing was supposed to be at XXXX XXXX XXXX from title company called and ask if we could move time up, because her heating unit at her house was broken and the repair man was coming at the time we had scheduled. I agreed to time change. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX arrived and reiterated she was in a hurry due to home maintenance issue. XXXX XXXX rushed me through the signing. I was under the impression I would get a copy of signed documents at the end of closing. When I asked for my copy of closing documents. She informed me I need to get them from lender. I called lender and was told I had a 3 day waiting period and could not get final closing paper until after XX/XX/year>. I did not get closing papers until XX/XX/year>. That is when I discovered the amount to borrower and closing cost had changed.I contacted XXXX XXXX XXXX and was told they had my signed statement from loan closing that terms had changed. I informed them I wasn't aware due to being rushed during signing and not receiving final copy at closing. XXXX XXXX XXXX informed me they had my signature and therefore no fraud was committed. I informed XXXX XXXX XXXX if I had been aware of the terms changing from XXXX XXXX  final loan disclosure the loan would have been rejected. I feel like this was fraud committed upon me. I am a XXXX Veteran and this ordeal has aggravated my XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I, XXXX XXXX daughter of my deceased XXXX XXXX XXXX XXXX ( mortgagor ) inheritance of my mothers XXXX. Lender ; XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. Wrongful Registration of Loan Modification Agreement ( XXXX ) XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX. XXXX was transferred to XXXX XXXX XXXX XXXX, on XX/XX/XXXX,. XXXX XXXX XXXX XXXX XX/XX/XXXX. The first XXXX " Security Instrument '' and " NOTE '' Originated DEED OF TRUST { XXXX {$500000.00} } XX/XX/XXXX " Borrower '' XXXX XXXX XXXX a ( widow ) registration by XXXX XXXX XXXX XXXX XXXX  XXXX Hundreds of thousands of mortgage payments posted since XXXX up to current date has been miscalculated by XXXX ; XXXX XXXX pattern of misrepresentation, deception of unfair business practice, generated a pay off demand notice XX/XX/XXXX for an amount of {$750000.00} is incorrect. Corporate Advance fees of XXXX over {$40000.00}, XXXX XXXX fees XXXX {$44000.00}. Unfortunate, my spouse XXXX XXXX in Bankruptcy XXXX XXXX continue to make payments to the mortgage loan, over {$30000.00} paid into loan # XXXX where the full {$30000.00} are not applied to the loan. XXXX XXXX is in Violation of The Fair Debt Collection Act, all federal and state regulations for mortgage fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: CO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove account from my report, it's hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to submit a complaint in reference to the following information that Navy Federal Credit Union supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to two accounts ( XXXX open XX/XX/XXXX & XXXX opened XXXX XXXX ) Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of 3 It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act. 

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that Navy Federal remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXXcrisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: CA

Complaint narrative:
After reviewing my credit report I found that there were numerous significant errors. This has been badly affecting my mental health and in turn is affecting my everyday life. This is a gross misrepresentation of my credit and it is having an incredibly significant impact on me monetarily, on top of these errors there is the misrepresentation of my identity which is causing verification issues and fear of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
Asking for validation of debt and verification of debt be provide as i dont recall this debt. I have email them with request for more documentation but I have received no communication. Need all documentation in order to be able to verify if this is debt is valid and lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
UCCC 3.301 ( 1 ) states that the financing of an automobile by a bank is not an consumer transaction where the bank was only the Assignee of the automobile taking Security in Addition to the Purchased Automobile

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 2024-02-08 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I would like my late payments to be removed from my credit report. I was going through a tough time in which I couldnt make on time payments due to being in school and having too much going on personally. It would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NV

Complaint narrative:
Delete account. No knowledge of this account. Reported as identity theft XXXX 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
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
Hyundai is reporting that I have a closed account on a auto lease with a XXXX balance but is past due since XXXX. The account closed XX/XX/2019. When I spoke to XXXX XXXX they told me it was going to claims. Hyundai tells me they are not showing anything on all 3 of the vehicles we had with them. They told me my credit with them is great and I could walk in and get a car. My credit score went from my usual XXXX to XXXX from XXXX to 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 2024-02-08 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: CA

Complaint narrative:
After reviewing my credit report I found that there were numerous significant errors. This has been badly affecting my mental health and in turn is affecting my everyday life. This is a gross misrepresentation of my credit and it is having an incredibly significant impact on me monetarily, on top of these errors there is the misrepresentation of my identity which is causing verification issues and fear of 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