vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I lost my job in early XXXX due to the pandemic I struggled to make payments however I made them. Kia Motor Finance has refused to help when I finally spoke to them it took them over 4 weeks to send me documentation for the modification of the loan. Through no fault of Mines even though I contacted them before my payments showed late and due to their continued lack of urgency they sent all documentation late and have refused to help when they finally. Sent documentation I was over 30 days late due to their lack of trying. Then they continued to report me late even though we have a current agreement signed of my modification of the loan. This has impacted me negatively they arw charging me for late payments and reported late 's even though a fully executed modification agreement was signed on time. 

I need help they will not assist nor answer in a timely manner. This is plain out consumer ripout.

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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: AR

Complaint narrative:
RECENTLY APPLIED FOR AUTO INSURANCE WITH XXXX XXXX AND WAS INFORMED THAT XXXX AND XXXX HAVE PLACED A SECURITY FREEZE ON MY CREDIT FILES WITHOUT PERMISSION SINCE XX/XX/2015, THEY ARE TRYING TO COVER UP FROM SECURITY BREACHES OF THE PAST! THEY BOTH ARE AWARE OF BREAKING THE F.C.R.A. U.S.C. 15 Section 1681g and the DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EFFECTIVE TODAY ALL PARTIES LISTED MUST CEASE REPORTING ANY OF MY DATA IN DATA BASES, NO AUDIT TRAILS NO MORE CREDIT REPORTING AT ALL OR FACE A XXXX DOLLAR LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EFFECTIVE TODAY ALL PARTIES LISTED MUST CEASE REPORTING ANY OF MY DATA IN DATA BASES, NO AUDIT TRAILS NO MORE CREDIT REPORTING AT ALL OR FACE A XXXX DOLLAR LAWSUIT.

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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is continuously reporting inaccurate and fraudulent information on my credit file. I have called on numerous occasions and sent letters that requested debt validation to confirm debt and Equifax has failed to do so. If and when Equifax respond they state verified without sending validation as I requested. Documentation is needed to verify debts contacts etc. I have no contracts with any of the said companies below and never have. I demand Equifax to remove immediately since they can not validate with documentation. Not to mention Texas has a 4 yr statue limitation and these accounts are well over 4 yrs old and need to be deleted indefinitely!! Below is how its showing on my credit file!! Equifax is violating FDCPA as I reported to them as well. Ive requested debt validation in writing for months and have yet to receive validation!! Its been over 90 days Equifax has yet to respond!! Equifax is reporting these accounts as charge-offs and collections this is against the law. 

XXXX XXXX XXXX XXXX # XXXX Last reported XXXX. {$960.00} Balance Charge-off ( closed ) Date opened XXXX Last Payment XXXX. 4 yr statue limitations in Texas delete indefinitely XXXX XXXX XXXX # XXXX Last reported XXXX {$0.00} balance Date opened XXXX Last payment XXXX Closed/Transferred/Charge-off 7 yrs old 4 yr statue limitation in Texas delete indefinitely XXXX   XXXX # XXXX Last reported XXXX Closed {$880.00} balance charge-off/collection Opened XXXX No date of last payment Past Due {$1500.00} 4 yr statue limitation in Texas delete indefinitely XXXX No account number listed Last reported XXXX Its reporting for both the collection agency and original creditor. Status Open XXXX No last payment reported Balance {$11000.00} Showing 3 yr 5 months old Account was deleted XXXX due to being unable to validate in writing and was reinserted in my credit file without my knowledge. Ive attached the documents from XXXX as you can see its not me. Not my name address phone number ID or social delete immediately and indefinitely!! Ive also attached report from XX/XX/XXXX when I disputed said fraudulent account and Equifax claimed it wasnt on my credit file reporting and it was reporting!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Truck was stolen, when insurance paid truck in full, they charged my 2 late payments on my vehicle not allowing me now to get another one

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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I called pheonix financial services to ask over the phone when the debt on my credit report in collections was incurred. I spoke to XXXX. They told me over the phone what it was and I never disputed the charges. Later, I saw a mark on my credit report saying a dispute was opened. I called them back and spoke to XXXX again and told her I was not disputing the charges. She told me when I called to request a letter, they automatically dispute it and told me they sent a letter to the wrong address ( one I have never lived at, so I am unsure of where they got that address ). I never requested a letter. I asked her to review the recorded phone call to see I never asked for a letter. She did, called me back and agreed, I did not ask for one. She spoke to her manager, named XXXX and they said they are unable to remove the dispute. I called multiple times with the same answer. They said it should have automatically fallen off and they don't know why it has not. I never diaputed this collection and they are reporting false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was denied credit at a furniture store and now a mortgage company. What happened is 2 of my reports show XXXX and XXXX with 8 or more open accounts. Experian shows no open accounts although back in XXXX I had open accounts at Experian and they reported my score. So I finally got a representative at Experian it was not easy, he researched the problem and said that when I used the boost my credit product on Experian it some how created another account with XXXX on it and blanked out my credit report. 

This is a huge problem I can't get credit I can't get a mortgage. I am suffering mental distress over this. I called on XX/XX/XXXX for help I was told this would be fixed in 3 to 5 days its still not fixed. I just want them to report my credit score like they do for everyone else. I feel discriminated against by this product.

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 2020-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
I have filed several complaints against Nationstar over the past year because of their mishandling of my escrow account that has led to serious credit reporting problems. Nationstar has denied my allegations and CFPB has failed to investigate my complaints. I now have definitive proof of Nationstar 's lies, operational errors and financial mismanagement which has been fraudulent and malicious. 

I am attaching the records that I have sent recently but represent Nationstar 's lies. The cover page is a copy of a letter from XXXX, my former homeowner 's insurance policy that is the basis of my complaint. Nationstar has denied that it mishandling the processing of my escrow account for more than one year. In fact, Nationstar 's operation malfeasance has been going on for almost 3 years. 

The letter from XXXX is a homeowner 's policy renewal one year AFTER that policy was cancelled and replaced with XXXX XXXX. When I received the policy renewal I called my former insurance company, XXXX, to inquire why that were sending me a renewal. XXXX told the me the policy was still in force and had been paid for by Nationstar out of escrow. A copy of the renewal dated XXXX is attached. Nationstar has denied that it has double counted my escrow account. Nationstar lied to CFPB and to me for more than one year and knew that they had mishandled my escrow and refused to address the problem. 

I paid for XXXX XXXX insurance policy out of my own funds and Nationstar began escrow for XXXX XXXX as well creating a severe negative and erroneous balance in my escrow account. Nationstar has also lied to credit reporting agencies that I missed my mortgage payment. They know that is also a lie! Nationstar must make amends to my credit report, reconcile my escrow account and ensure that all payments and accounting has been reimbursed to me. I will be reporting financial accounting fraud to the SEC and will be filing a lawsuit to investigate Nationstar which may result in a class action lawsuit that may involve CFPB as well given CFPB has failed to perform its most basic duty ... .investigate consumer complaints. 

Nationstar is a corrupt, fraudulent, lying company and I will not stand for this XXXX. I will not stop until Nationstar has been sued, sanctioned by regulatory agencies and hopefully bankrupt because if they can't figure out my simple problem there is a systemic operation problem or outright fraud in this firm. You lying XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 Convergent Outsourcing Inc. added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Convergent Outsourcing Inc. has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.

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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have accounts appearing on my credit file that are from my identity theft case and they should be deleted immediately.

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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have accounts appearing on my credit file that are from my identity theft case and they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I have accounts appearing on my credit file that are from my identity theft case and they should be deleted immediately.

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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
On XX/XX/2020 Merchants Credit Guide added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Merchants Credit Guide has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Had a bad car loan with XXXX they took the car charged it off while i was still making payments. I then called XXXX XXXX they offered me to settle for a paid to delete in which i paid $ XXXX.Big mistakes! i was not aware that XXXX had a lawsuit of {$500.00} XXXX settlement lawsuit. I have try to call them they refused to help. 

I called all 3 agencies, mail out letters, faxe 's neither equifax, XXXX, XXXX is responding back in which i know they have from 30 to 45 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the accuracy of a bankruptcy showing on my credit Report. Experian claim The company that reported the information has certified to Experian that the information is accurate. Experian is reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating they do not provide any information to any credit reporting agency regarding bankruptcies. I demand Experian provide the name, date, and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2020 Phoenix Financial Services LLC added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Phoenix Financial Services LLC has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I am writing in regard to the above referenced accounts and transactions. 
The vehicle was repossessed by CAC in the State of ALABAMA on or about, XX/XX/2017, and resold on or about unknown.Under the laws of the State of Alabama UCC Alabama Code Title 7. Commercial Code 7-9A-205 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.As per the law, cease and desist all collection activity, including credit reporting.

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 2020-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a cash transfer to my friend XXXX XXXX ( $ XXXX  ) in the amount of {$100.00}. The money was not received by Mr. XXXX and the app actually displayed the word " refunding '' and showed a refund by date of XX/XX/XXXX. The amount shown to be refunded is {$100.00}. That money was to be returned to my Visa Debit card ending in the numbers XXXX. The Cash App identifier for that refund is # XXXX. 
I submitted a request for help with this transaction from Cash App Support because XX/XX/XXXX came and went and my money is still in limbo. I have also not heard any response from Cash App Support about this matter. I attempted to reach Cash App by telephone and that was impossible. 
I am still awaiting the return of my money. Any help that you can provide to me will be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Navient loan is reporting an incorrect amount on my TransUnion credit report. On XX/XX/2020 I submitted a dispute to correct the information and TransUnion has now completed their investigation but nothing has changed. This clearly shows that they did not investigate the dispute and now is a violation of the FCRA as items are to be accurate on a credit report. I want this item to be deleted. 

Account is DPT ED/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