vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 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: FL

Complaint narrative:
I've never been late on my accounts. Remove all late payment entries IMMEDIATELY!!!! 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 However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. Thank you for your assistance.

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 2023-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have never contracted with this company and I no knowledge of this a ledge loan. I dispute this debt, and its entirety. I have requested debt validation. Ive also sent interrogatories for them to answer, and they. I dispute this debt, and its entirety. I have requested debt validation. Ive also sent interrogatories for them to answer, and they have not responded to any of my correspondence. I also responded requested proof of claim. They didnt comply with FCRA law. I never received In information about this matter before it was reported on my credit I filed a complaint with the Georgia state Attorney General about this company for violation Federal Law in respect to FCRA and the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Urgent Rectification Required : Discrepancy in Credit Reporting with TransUnion To Whom It May Concern, I wish to express my unequivocal concern and dissatisfaction regarding an incorrect derogatory entry on my credit report, as documented by TransUnion. Possessing an in-depth knowledge of the Fair Credit Reporting Act ( FCRA ), I insist that this discrepancy be addressed immediately. 

On XX/XX/2022, Destiny wrongly reported a late payment on my account, numbered XXXX This notation, as conveyed to TransUnion, starkly conflicts with my personal records and infringes upon my rights under 15 U.S.C. 1681m ( a ) as I received no mandated notice of this adverse information.

Drawing upon 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I now demand, not request, an immediate investigation into this egregious error. If you can not validate this derogatory entry within the statutory 30-day period, I expect without delay its complete removal from my TransUnion credit report. Anything less would be a blatant disregard for the regulations that govern your operations.

Furthermore, during the course of this investigation, any and all references to this dubious entry on my TransUnion report should be amended to " paid as agreed. '' This provisional action is not only logical but essential to shield my reputation from unwarranted damage.

Enclosed, you'll find the contested segment of my TransUnion credit report. I suggest you treat this as priority.

The importance of accurate credit reporting can not be over emphasized. Understand this : I am prepared to take every necessary action to ensure my rights under the FCRA are staunchly defended. The onus now rests on you to promptly rectify this issue with TransUnion. 

Your immediate attention and decisive action are not only anticipated but demanded. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Enclosure XXXX TransUnion credit report segment dated 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 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Wallet came up missing and resurfaced after a few days then I got the bills from chase banking, credit one and premier credit all over drafted adding up to about XXXX dollars. Mainly hurt my credit which I have been diligently trying to rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting these inquiries be removed from my Equifax Credit Report XXXX XXXX XXXX - XX/XX/XXXX The ran my credit, and I told them not to run it. I called and made a complaint. They stated they were going to remove it, but no one has called me back. I would like this removed. 

XXXX - XX/XX/XXXX They ran my credit, and it showed up as a inquiry. I did not agree to this, and would like this removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize this. A inquiry was made, and I would like it removed. 

XXXX - XX/XX/XXXX and XX/XX/XXXX This company did a inquiry within a two week period. I did not approve this. I would like both of these removed. This being done twice is a mistake on their part. 

XXXX - XX/XX/XXXX I have no idea what this is, and requesting this inquiry to be removed. 

XXXX - XX/XX/XXXX Again, XXXX is running my credit. I would like this inquiry to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Disputed 3 Times with equifax, also send a letter to XXXX XXXX  for a copy of the signed agreement and purchase agreement with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian allowed inquiries to be placed on my report without my consent. After several disputes challenging the inquiries, the company stated that the inquiries were valid, but DID NOT provide an original document/application with my signature. The company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of Experian investigations, they stated in writing that the items were verified and are being reported correctly. The company did not state who verified the accounts. Experian DID NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it which is required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally, Experian has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

There are numerous inquiries on my credit report that I do NOT authorize. I am a victim of identity theft through the XXXX XXXX XXXX Furthermore, unscrupulous characters recently stole my information to tried claim unemployment benefits under my name. I learned how to freeze my reports and since have frozen them. 
The following are the unauthorized inquiries that have hit my credit report that need to be removed. 

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 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

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 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase card company keep call me and harassment me well I'm at work..They never told me I can opt out. Please to this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
Citizens Bank grossly miscalculated my required escrow balance for the past year which caused me to suffer severe financial distress. My mortgage payment increased by XXXX  XXXX because they stated that I had a shortage in my account. I called them to clarify last year and I was told that I had to pay taxes in arrears because my property had just been assessed by the tax assessor. When I looked at my escrow statement for this up coming year, Citizens Bank stated they owed me a {$11000.00} surplus for the overpayment of escrow. They grossly miscalculated the City tax I had to pay and have never provided me with my City real estate tax statement. They estimated that I had a shortage of over {$7000.00} and also would have to pay approximately XXXX  XXXX in City property tax in future years. Their error was because they failed to consider the XXXX tax abatement that I had due. When I applied for the loan, I asked the loan XXXX repeatedly to provide me with a realistic estimate of the property taxes and he constantly gave me the runaround and also said he was unsure if I would qualify for the XXXX. I also have concerns about the income tax implications from Citizen Bank 's error. 

Citizens Bank has caused me severe emotional distress during the loan application process and now from miscalculating the escrow. I had trouble all year keeping up with paying bills and incurred significant credit card debt because of the unnecessary financial burden that this bank placed upon me. They need to be held accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

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 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 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 disputed all these unauthorized open accounts*

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: NY

Complaint narrative:
Let me explain my circumstances. 
I have a low 700s Fico credit score on all 3 bureaus, it never goes above XXXX on all bureaus. 
All my accounts are current and have never been late. I have a perfect revolving payment history, and a perfect installment mortgage loan. 
Zero Inquires on Experian, 1 Inquiry on XXXX, 2 inquires on XXXX. My credit age goes back to XXXX, with a 4 % overall credit utilization. 
This all can be verified through the platform http : //www.experian.com. With all that being my credit score should be in the 800s. Minimally high 700s. XXXX XXXX XXXX  which uses a vantage score has me in the 800s. XXXX XXXX however is not the source mortgage companies ; auto dealerships and bank lenders use. They all use the trusted, more accurate fico system. 
My credit score never rises above 700s, and I just recently found out why when applying for a business line of credit and an auto loan and to my surprise was declined for both by primary lenders. I was forced to take a 16 % subprime auto loan, which is insane with my credit profile and score. 
in the http : //www.experian.com and XXXX platforms there is a section in http : //www.experian.com called " key factors ''. in the key factors and " additional scores '' section the langue used in both sections in bold red pertaining to my credit profile is below and the exact language used in the decline. Somehow this erroneous information is incorrect, somehow in my credit profile, and preventing me from getting and type of funding. This is also the reason why my credit score will not go above XXXX on none of the bureaus.

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 2023-10-22 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: CA

Complaint narrative:
When purchasing my vehicle I made an agreement with the car dealership whom claimed they were in direct contact with Capital One Auto Finance about the interest rate rate of my auto loan to be 6 % and for no longer than 48 months. Once I started making my car payments I was being charged 12 % apr and a 72 month auto loan. I put {$6000.00} cash as a down-payment to keep my payments low and interest at a lower rate. Even with a 12 % apr with the amount financed I have paid more than I should have for the entire lemgth of the loan. I put {$6000.00} cash as a down payment. the amount of the loan should have been for less than {$10000.00} with my down-payment. The original loan amount shows much more than {$10000.00}. Where did my down-payment go if it was not put towards my loan as it should have been?? Capital One Auto Finance charges accessive interest rates and are not as what was agreed to at the start of the loan and is double the amount than what was agreed to when purchasing the vehicle from XXXX of XXXX. For what should have been a {$9000.00} loan with 6 % annual percentage interest rate and paying on my loan for 3 years now and it still shows I owe {$7000.00} to pay my car off and that I have paid {$7000.00} in interest already does not add up. Contacting Capital one auto finance is a joke as nobody resolves the problem. Somebody needs to audit Capital one auto finance because I am sure that I am not the only one that is being deceived by Capital one auto finance. This is a fraudulent act on Capital one auto finance and quite possibly even XXXX of XXXX. Capital one is being extremely deceptive in their practices by collecting more interest in payments from consumers than what they should be collecting. more than 50 % of every payment has gone to interest. even on 12 % interest ( although that is suppose to be 6 % as agreed to ) the amount of interest collected during an entire 72 month ( which is suppose to be 36 month ) loan term should be no more approximately {$3000.00} throughout the entire length of the loan. How is it I have paid double that in interest and the loan amount in total should have only been {$9000.00}??? This is fraudulent and wrong and Capital one auto finance is taking advantage of consumers with unfair practices and should be held accountable for their fraudulent actions to the full extend of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: SC

Complaint narrative:
My loan for my car was with XXXX XXXX. All of a sudden it goes to XXXX XXXX without my knowledge and I tried to trade it in to get another car, however XXXX XXXX wont do it. Someone told me this is against the law. I need some answers because Im trying to trade the car in for another cheaper car with a lower interest rate. Please point me in the right direction

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 2023-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I was a Sandy-impacted homeowner, and I was found to be eligible by the DCA for a term of forbearance under state law P.L.2017, c15 which provides for a temporary suspension of principal and interest payments on your mortgage. Exhibit M - NJ Statue From XX/XX/XXXX to XX/XX/XXXX, I was under the forbearance program with my mortgage company, Nationstar/Mr.Cooper/RightPath Servicing. The outstanding balance of my mortgage at the beginning of the forbearance ( XX/XX/XXXX ) was {$84000.00}. As required per the NJ Statue, I resumed making my regular monthly loan payments of {$1300.00} once the forbearance period ended, XX/XX/XXXX. I have made a total of 13 payments of {$1300.00} and 1 payment of {$2800.00} XXXX XXXX XXXX XXXX ) a total of {$20000.00}.

Resolution Letter from Mr. Cooper dated XX/XX/XXXX - During the forbearance period Mr. Cooper ( mortgage co ) made deferred payments to my account to the sum of {$83000.00}. At the end of the forbearance period, they want this deferred amount to be paid in a lump sum or I would have to do a modification loan. Mr. Cooper/RightPath Servicing did not follow the Hurricane Sandy NJ Forbearance Statue. 

XXXX Filed complaint against Mr. Cooper with the State of Jersey Department of Banking and Insurance . 
XXXX The State of NJ Division of Banking and Insurance closed complaint against Mr. Cooper after receiving Mr. Coopers resolution letter dated XX/XX/XXXX. 

I do not believe that the NJ Department of Banking and Insurance should had closed the case as Mr. Cooper did not follow the Hurricane Sandy Forbearance NJ Statue. There should not have been any deferred payments, or any modification done to my loan while in forbearance.

All the explanation of what they did to my loan during the forbearance period for their accounting purposes and/or their investors should not have affected what I owe on my loan. The terms of my loan should not have change ; no deferred payments nor modifications should had been done while in forbearance.

All I want is to have my payments so far of {$20000.00} be applied to my outstanding loan balance of {$84000.00} and for the repayment period to be extended by the number of months the forbearance was in effect ( 5 years ) as per the NJ Statue.

Company response to consumer: Closed with explanation