vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: UT

Complaint narrative:
I opened my XXXX billing statement dated XX/XX/XXXX and saw a principle balance due of {$3100.00} so I made a payment of {$1500.00} the same day and another payment of {$1500.00} on XX/XX/XXXX satisfying the principle amount due. To ensure everything was satisfied I contacted the Goodleap billing department on Monday XX/XX/XXXX and requested a payoff statement. The representative told me that she could not provide on at that time because my XX/XX/XXXX payment was still processing the in computer system and told me to call back later in the week. Then I received a statement 6 days after my payment on XX/XX/XXXX stating that after the two payments mentioned above were accounted for that I now have a principal balance of {$2800.00}. I contacted the company the next day XX/XX/XXXX to ask what was going on and I again asked for payoff statement. The representative stated that because my XX/XX/XXXX payment was 6 days past the " promotional period end date '' of XX/XX/XXXX that I was now assessed interest for the entire loan period and that under the circumstances, Goodleap would not offer me what amounted to a 6 day grace period to payoff a fraction of the loan. I then filed a complaint with the company to which they responded with documents that evidently were signed among a plethora of other documents in connection with my purchase of an HVAC system and denied my request to waive the penalty interest. I feel cheated and deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-04-01 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: MO

Complaint narrative:
According to The Fair Credit Reporting Act of 1970 - 15 USC 1681b - Privacy Act of 1974 - Family Educational/Privacy Act 20 USC 1232g - 34 CFR Part 99 - 15 USC 6802 and 16 CFR 313.7 I have asked XXXX XXXX XXXX XXXX, and Experian to honor these regulations and codes. My correspondence is being completely ignored. I am in the process of creating debt security disputes and settlements in relations to the Securities Exchange Acts of XXXX for several credit accounts. Also, my personal information is outdated and erroneous. I have asked for removal of non-mailable addresses, erroneous names and social security numbers to be removed to no avail. I choose to opT OUT of credit reporting practices unless notified by me, in writing. I sent Certified Mailings and have received no proof of mailing. I am considering mail fraud charges for all 3 credit bureaus. Acting on my behalf by disclosing my personal information, without permission is one definition of identity theft.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-01 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: VA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: VA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2024-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I called to settle a debt that I tried to settle directly with the rental office. When I moved out, I wasnt given a statement of accounting so I was not aware I owed this debt until the collection agency started to reach out. I went ahead and paid the debt today and asked for a receipt of payment because honestly, I could have been paying anybody. Usually when you pay someone, you get a receipt. The person I spoke with, XXXX XXXX, started yelling at the top of his voice and when I asked to speak with a supervisor because of his tone, he told me no. I ask to repeatedly ask then he finally transferred me. I spoke with a supervisor requesting the same thing and they kept saying they would send a letter, which is not what I requested. I specifically asked for something showing what I paid and who I paid it to. They kept refusing. So I let them know I would be filing a complaint. Anywhere you go and make a payment, you should receive a receipt of that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I have spoken with 3 different women working for Chrysler Capital XXXX.1st one just hung up phone..2nd talked nicely and tried to help..3rd..talked nicely and made some progress. Then car was picked up from my driveway on XX/XX/2024 in evening over night hours..it was a Voluntary reposession due to the loss of Motor/engine in car busted during normal driving conditions..it was unrepairable..so I had to leave it be. All mechanics said the motor had to be completely replaced. I could Not afford it. Now in XXXX of this year it is falsly reported as late payments..and still collecting interest as of XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: CarMax, Inc.
State: GA

Complaint narrative:
CARMAX AUTO FINANCE BREACH OF PRIVACY ACCOUNT 4003 ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information CARMAX has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy CARMAX did not clearly and conspicuously provide the disclosure forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I received a letter today XX/XX/year> from a letter claiming to be from " Transworld Systems Inc. '' with listed phone number of XXXX. The letter claims they are a " debt collector. We are trying to collect a debt that you owe to XXXX. We will use any information you give us to help collect the debt. '' It lists an amount that I had paid to XXXX ( confirmed with them today that the amount was paid in full ). I was charged this amount by XXXX only after I had closed an account with them less than a month ago ( XXXX days ago ) and switched to an account also with XXXX but under my name. I received no email notifications about this amount due, only letters via mail, and paid these in full via check immediately when I received the bills. I naturally could not pay my bills online because my account had been closed. All of my payments to XXXX have been on-time and in-full and have never had any problems with late payments, with anyone, ever. When I called the number on the debt collection letter and explained to them the amount was paid and that I didn't know how to proceed, the company couldn't provide me additional information but instead immediately transferred my call to XXXX. 

The phone number does not appear to be associated with Transworld Systems Inc. on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Documentation with my signature and any other documentation requested but not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Documentation with my signature and any other documentation requested but not received.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
*COMPLAINT FOR NO RESPONSE IN 30-DAYS REQUIRED UNDER FCRA LAW Subject : Complaint against XXXX for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Transunion regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my request for validation of incorrect information on my credit report within the mandated time frame. 

On XXXXXXXX XXXX XXXX I sent a letter to Transunion via certified mail, requesting them to validate the inaccuracies being reported on my credit. According to the FCRA, the credit reporting agency is required to respond to my request within 30 days. However, I have not received any response from Transunion, despite the certified mail receipts clearly indicating that they received my letter. 

This failure to respond within the specified timeframe constitutes a violation of the FCRA by Transunion. As a consumer, I have the right to receive timely and accurate information from credit reporting agencies, as outlined in Sections 611 ( a ) and 611 ( a ) ( 1 ) ( A ) of the FCRA.

I am now requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and taking appropriate action against Transunion. The failure to respond undermines my rights as a consumer and hinders my ability to rectify the inaccuracies on my credit report. 

I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Transunion complies with the FCRA and promptly provides me with the requested validation of inaccurate information. Furthermore, I ask that Transunion be instructed to remove the incorrect account from my credit report, as mandated by the FCRA due to their failure to respond within the required timeframe. 

Enclosed with this letter, you will find copies of the certified mail receipts as proof of Transunion 's receipt of my request for validation. If any additional documentation or information is necessary to proceed with the investigation, please let me know, and I will provide it promptly. 
Hide trimmed content Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently address this violation by XXXX and ensure that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I opened an account online with wells Fargoon XXXX XXXX and 1 day after opening my account I got an email saying they're closing my account because they can't verify my information which has to be a mistake because I provided them with all accurate information

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 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On Saturday XX/XX/XXXX my card was used over {$1700.00} fraudulently. I lost my card and did not realize it until these transactions occurred. I contacted chase to file a fraud case. On Monday XX/XX/XXXX not even a full business day, my fraud case was closed with No investigation no nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NY

Complaint narrative:
I am being affected by fraudulent activity on my credit report to which I filed a Federal Trade Commission Identity theft report to remove this fraudulent activity from my reports. I keep getting ignored and this fraudulent information is still on my 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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Requested signed documents made by me and any documentation regarding unauthorized credit card found in credit report for multiple XXXX XXXX accounts ending in : XXXX, 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 explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Requested signed documents made by me and any documentation regarding unauthorized credit card found in credit report for multiple XXXX XXXX  accounts ending in : XXXX, 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 explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I never gave permissible purpose to pull my consumer report these inquiries are fraudulent and need to be block 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 non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
After reading their nonsense, they are not telling the truth. I have both returned receipts back and both signed on XX/XX/2024, and XX/XX/2024, by XXXX. Remember a bank can not lend money. Truth in Lending Act Section 102, 15 USC Section 1601. My signature created the money. If you feel that the above law is not correct, then send me full copy of the corporate records, full booking of account records, full financial records, a copy of the check or accurate bank transaction that showed XXXX XXXX XXXX paid for the vehicle, a full copy of the promissory note wet ink signature and a promise to pay letter. If you can not produce all of these records, then my cease and desist stands and close my account until you can provide me with all the documents and especially a copy of the check during the transaction that you purchased my vehicle. I am not making payments when I know it was bought and paid for by me. Common law is the law of the land. Not contract law, it is illegal. TITLE 15 USC SEC 1 states all contracts are illegal. I never received a loan for this vehicle because I never signed a check for that loan of the vehicle or never received any money deposited into my account to pay for that loan. I signed a promissory note. Code 9-102A65 states it has no recourse to pay back. The loan was already paid for by me. That promissory note was monetized. TITLE 12 USC 83A states the promissory note that I signed was cashed in to purchase this vehicle. Who created the promissory note? I did. Prove that you loaned me the money? I need the bank transaction and a copy of the check that you purchased this vehicle. Remember, banks can not lend money. If banks can not lend money, how did you pay for this vehicle? How? I created all the money that paid for this vehicle, that is why you can't present a copy of the check and bank transactions to show that you paid for this vehicle. Look up powers and duties of banks. It does not say lend money ; it says borrow money. Who did they use to borrow the money. They used my social security number and signature and borrowed the money from me and you're trying to get me to pay it back.

Company response to consumer: Closed with explanation