vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transuion Credit Burea still reporting my credit score low because of my credit balances shouldnt have anything to do with reporting my score low. I think it being bias.I can not get a decend rate for a mortage. i need help with this problem.

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 2024-07-06 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The XXXX XXXX XXXX I purchased has three different contracts. The online advertised price was {$15000.00} ( I have original images ). The price of the car changed with two of the contracts {$19000.00}, {$19000.00} and {$18000.00}. By then the car had been in my possession for 3 months. I finally have all 3 contracts after being sent the same copy repeatedly. Interest rates also changed XXXX, XXXX and XXXX. Warranty prices also changed {$3100.00} wheelz, {$3100.00} wheelz, and {$3100.00} XXXX XXXX  cash price stayed in the retail installment contract states cash price {$23000.00}, {$23000.00}, and {$22000.00}. Amount finance charges shows {$6100.00}, {$5500.00}, {$5600.00}. Amount financed change {$14000.00}, XXXX, and {$14000.00}. Total payments changed {$21000.00}, {$20000.00}, {$19000.00}. The total price of the car also changed {$30000.00}, {$28000.00}, {$29000.00}. Original contract date XX/XX/XXXX, second contract XX/XX/XXXX, and third contract was XX/XX/XXXX. Each contract deal number did not change neither did the cars odometer mileage. I was bait and swatched, manipulated, coerce and deceived. I paid XXXX in cash as a down payment and it says I financed {$14000.00}, {$14000.00} and {$14000.00}. When I initially went to complain I couldnt get all three contracts from finance company so I retrieved them from the dealership through via email with XXXX who works in the finance department. Within a month of having the car I complained about the car having issues, so I called the finance company and was told I was in the 10 day grace period to return the car. Once I told XXXX who sold me the car my plans, he threatened to use my downpayment to fix the car. I was then called by someone with more authority who told me they would offer me a better warranty for my future issues but yet charge me more for the warranty and raised my interest rate back up.I still owe a remaining balance of {$8000.00}. Furthermore I have had to invest in over {$8000.00} in repair alone in the last year which have lead me to late payments. Furthermore, the dealership is reporting inaccurate account date information after falsifying my documents.This is diminishing my character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I used the COVID forbearance program in XXXX. BSI financial received the payment from the VA for XXXX in XXXX of XXXX and BSI said I still owed XXXX. I agreed to a modification that had a 90 day trial. It raised my mortgage from XXXX to XXXX. I completed the trial XXXX of XXXX and have continued to pay the XXXX. My loan has not been modified, when I call they say that the documents are being completed and I am never able to get through to a manager. BSI is reporting to the credit bureau that I am 120 days past due and have continued to send me foreclosure notices. I have made every payment every month on time from the date BSI received the payment from the VA and it is destroying my credit. They are also not able to tell me what is going to happen to the extra money I have been paying as well as the extra payments I sent in an effort to catch my mortgage up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I tried to dispute a charge with Citi Card ; it would not do so. I called Citi Card today ; its off-shored phone service would not start the dispute. 

The disputed charge is dated XX/XX/year> for {$270.00} to is XXXX - its phone number is XXXX XXXX XXXX. 

I am also very concerned that Citi Card would not start the dispute ; its workers kept asking me for more information about myself and it was hard to understand the workers since their mother tongue is not XXXX. Since I do not have a smart phone they could not send me codes and requests for more information. 

I fear I am getting ripped off by Citi Card and XXXX. 

Please help.

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 2024-07-06 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Dispute was submitted XX/XX/year>. The dispute results were supposed to be available by XX/XX/year>. 

It is XX/XX/year> and the results of my disputes are not available. As a consumer I would like to know my results in a timely manner.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have repeatedly asked, during communications about this debt, for pertinent information related to this debt. I have asked for original proof of the debt with my original signature, which they have not been able to provide. I will not accept a photocopy ( which they can't even provide and have not even provided ) ; I need actual proof. I have also asked for proof of sale of this debt from the presumed original debtor to the collection agency, the reason they purchased it, and the amount for which they supposedly purchased it. I have also asked for proof of original dates, and they have refused to comply and give me any of the pertinent information pertaining to this debt. Yet they continue to violate law 15 USC 1692c, with rude, repeated, and threatening calls and communications pertaining to a debt they can't even show me actual proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: PA

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.

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 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 2024-07-06 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: PA

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.

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 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 2024-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Account XXXX XXXX National Credit System 15usc1692c ( c ) this law clearly states If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication. I have not done business with this company and this company has communicated a debt on my credit report which is in violation of said law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 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: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of XXXX data breach. I want these items deleted from my credit report effectively immediately. I am attaching proof that my XXXX has admitted That I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of XXXX data breach. I want these items deleted from my credit report effectively immediately. I am attaching proof that my XXXX has admitted That I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: PA

Complaint narrative:
I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XX/XX/year> : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 

XXXX XXXX XXXX this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B.

XXXX XXXX XXXX XXXX this inquiry has no permissible purpose to be on my report delete this inquiry due to violation of 15 USC 1681B

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 2024-07-06 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 with 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 explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercury Financial Intermediate LLC
State: VA

Complaint narrative:
Mercury Financial claims to be aiding individuals with their " credit score '' but has failed to mitigate my replacement card issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On or about XX/XX/2024, I spoke to multiple representatives and made a payment arrangement of {$100.00} monthly and provided authorization for automatic withdrawals from my checking account starting XXXX XXXX. I was advised my account would be closed, interest rate would be reduced to XXXX  % and after 3 payments my account would be marked current. 

My XX/XX/XXXX payment was withdrawn from my account and posted. I noticed my XX/XX/XXXX payment was not posted and I called Ally Bank. The representative stated the employee made an error and she should never have placed me on the arrangement, even though Ally sent me a letter confirming our arrangement, representative stated my account was charged off and sold to XXXX XXXX. I called XXXX XXXX and they stated they did not have the account. 

I called Ally Bank and advised the representative their employee made an error and they had to honor the arrangement. Then I spoke to a supervisor and she stated she would escalate my complaint and would have someone call me back. 

No one called me back. 

Due to being a former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted my former assistant XXXX XXXX who works for Ally Bank now. I explained what happened and the error that was made and she escalated my complaint to the Office of the President and they called me and stated they were going to conduct an investigation of why the error happened and get back to me. They stated it would take up to 30 days and I havent heard back yet.

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 2024-07-06 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: IN

Complaint narrative:
I didn't authorize these hard inquiries that are on my credit report.

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